terms of servic

1.1. Lotus Finance Inc. (hereinafter referred to as the "Contractor") hereby offers to provide consulting services in the field of distance learning (hereinafter referred to as the "Services") in accordance with the information posted on the Internet at https://it-jane.com to any individual who expresses a willingness to use the Contractor's Services (hereinafter referred to as the "Client").

1.2. Acceptance of this Offer is payment for the Services ordered by the Client by transferring funds as a prepayment for the Services of the Performer. By clicking the "pay" button, the Client agrees to the terms of this Agreement.

1.3. By accepting this Offer in the manner specified in clause 1.2. of this Agreement, the Client agrees to all the terms of the Agreement as set forth in the text of this Agreement.

1.4. This Agreement is considered concluded and enters into force for the Parties from the moment of payment for the Services by the Client.


2.1. The Performer undertakes to provide the Client with services in the form of remote classes with the client through the Internet, using the online platform for classes https://it-jane.com, Telegram software, mobile devices, email, and other suitable means for learning.

2.2. The Performer shall not give preference to one person over another in relation to the conclusion of this Agreement, except in cases provided by law and other legal acts.

2.3. The methodology and format of distance learning are determined by the Performer.


The client has the right to:

3.1. Demand from the Performer the timely and proper fulfillment of his obligations under this Agreement.

3.2. Undergo training in the terms and manner established by the Performer, achieve results and implement the knowledge gained in practice.

3.3. The client is obliged to register an account on the website https://it-jane.com within 10 calendar days. Online access to educational materials is provided within 3 working days after the Client's registration on the website https://it-jane.com, provided that the Performer's Services are fully paid.

3.4. Refuse to fulfill the conditions of this Agreement if the Performer has not started to fulfill his obligations under this Agreement within 10 calendar days from the moment of payment for the Services.
The client agrees to:

3.5. In case of acceptance of all the terms and conditions of this Agreement - offer, timely and fully pay the Contractor for the cost of the Services provided in the manner, terms and amount established by this Agreement.

3.6. Provide the Contractor with all the information and data necessary to fulfill its obligations under this Agreement.

3.7. Report to the Contractor during the training process on the completion of homework and achieved learning outcomes.

3.8. The client undertakes to independently monitor the updating of information in their personal account at https://it-jane.com.


The performer has the right to:

4.1. Attract third parties who are highly qualified specialists in the fields of knowledge necessary for the successful fulfillment of the conditions of the Agreement to perform the Agreement, while the Performer is responsible for the actions of the third parties he attracts, as for his own.

4.2. Demand timely and full payment of the cost of the Services from the Client in accordance with the terms of this Agreement.

4.3. Demand timely completion of homework by the Client during the learning process.

4.4. Publish the results of the Client's learning in the Internet for advertising purposes of the Services provided by the Performer.

4.5. Refuse to provide Services to the Client if the Client makes offensive statements towards other participants in the educational process. In this case, the Performer does not refund the full cost of the Services in accordance with the Refund Policy.
The performer is obliged to:

4.6. Provide the Services specified in clause 3.3 of this Agreement to the Client in a proper manner within the agreed upon timeframe, in accordance with the terms of this Agreement.

4.7. Not disclose confidential information and data provided by the Client in connection with the performance of this Agreement without their consent. The surname, name, city of residence, age, and other information that the Client has published on social networks and various websites, and therefore is publicly available, is not considered confidential by the Parties.


5.1. Services may be provided both directly by the Contractor and by third parties engaged by the Contractor.

5.2. The Contractor contacts the Client through email, Skype, mobile communication, publishing information on the website https://it-jane.com, and other available means to optimize the process of providing Services.

5.3. The Client agrees to have gradual access to educational materials, which implies familiarization with the first educational material, sequential completion of the first task within the educational material, its verification by the Contractor, transition to the second educational material, and so on.

5.4. Services are considered provided at the moment of providing access to educational materials to the Client by the Contractor, namely, at the moment of the Client's registration on the platform and approval of their account by the Contractor.


6.1. The cost of the services provided by the Performer, the names of the courses, and the possible payment methods are published on the website at https://it-jane.com, on the public pages of the Performer on social networks and other internet resources used by the Performer as advertising platforms for promoting services. The cost of services in this case refers to the amount without taking into account payment system commissions. The size of the commission is specified by the specific payment system for each type of payment method, and the Client has the right to choose a suitable payment method from the list offered by the Performer.

6.2. Payment is made in the amount of 100% prepayment (other payment arrangements are possible in accordance with the terms of promotions (special offers), as well as in cases after additional agreement with the Performer, or in accordance with the terms of partner banks when using borrowed funds).

6.3. The Performer cannot change the cost of paid services for a specific Client if the Client has already accepted the Performer's terms and made payment for the services in accordance with the terms of this Agreement.

6.4. The moment of payment is considered to be the receipt of funds into the Performer's account.

6.5. The Client is solely responsible for the correctness of the payments made by him.

6.6. The Client independently pays for all services of communication companies necessary for the provision of services by the Performer, as well as payment system commissions.

In case of the Contractor's breach of obligations provided for by this agreement, the Client is entitled to demand the return of the paid funds.

7.1. The refund of funds to the Client is made upon their written request, which must contain:
• Full name of the Client
• Date and account number on which the payment was made
• Amount and currency of payment
• Name of the Service for which a refund is required
• Specific reason for the refund
• Details of the Client's ruble account to which the funds should be returned (recipient's full name, name and city of the recipient's bank, BIC of the recipient's bank, correspondent account of the recipient's bank, settlement account of the recipient)
• Client's TIN
• Date of the application
• Client's signature.
The Client attaches to the statement a copy of the page of the general civil passport with a photo, as well as a copy of the receipt for payment of the Contractor's Services.

7.2. In case of absence in the Client's statement of any information specified in clause 7.1 of this Agreement, the Contractor has the right to refuse the refund of funds to the Client.

7.3. The statement must be signed by the Client, scanned and sent to the Contractor by e-mail to the e-mail address mail@lotusfinanceinc.com from the e-mail box specified by the Client when ordering the Service. This is necessary for the correct identification of the Client.

7.4. The Contractor has the right to request documents confirming the fact of payment for the Service (scan, screenshot, copies of checks, receipts, etc.)

7.5. All information on the refund of funds to the Client is accepted by the Contractor in jpg or pdf formats. Other formats must be agreed with the Contractor in writing by e-mail.

7.6. The funds are returned to the person who directly made the payment for the Service. Refunds to the bank account of a third party are not made.

7.7. The funds are returned to the Client's bank account within 30 calendar days.

7.8. If the Service is paid (being paid) by the Client in installments, only the last payment can be refunded.

7.9. If the Client purchases a set of Services, a refund is possible only for the least expensive Service in the set.

7.10. Funds are returned only for the last paid Service. If the Client purchases several Services, a refund is possible only for the Service paid last.

7.11. For Services paid with a certificate, funds are not refunded.

7.12. Refusal of training after the moment of registration of the Client's account on the website https://it-jane.com and its approval by the Contractor is not a reason for a refund. The training service is considered fully provided and of proper quality from the moment the Client is granted access to the educational internet platform (the first block of educational materials).

7.13. After receiving the Client's statement on the refund of funds, the Contractor has the right to restrict the Client's access to the Contractor's internet resources without prior notice.

7.14. Funds for participation in master groups, conferences, trainings (both live and online) and for all other services (including coaching and consulting) are not refunded.


8.1. This Agreement - offer comes into force from the moment of its acceptance by the Client and is valid until the Parties fully fulfill their obligations. The date of acceptance is the date of payment by the Client for the Services of the Contractor.

8.2. This Agreement may be terminated early by mutual agreement of the Parties.


9.1. Disputes arising in the course of the implementation of this Agreement, the Parties will try to resolve through negotiations. If the negotiations did not give a positive result, further resolution of the dispute is carried out in accordance with the current legislation of the Russian Federation.

9.2. In case of non-fulfillment or improper fulfillment of obligations under this Agreement, the Parties shall be liable in accordance with the current legislation of the Russian Federation.


10.1. At the request of the Client, the Agreement may be concluded in writing and sealed with the signatures of the Parties and the seal of the Contractor. In this case, the transfer of the Agreement from one party to another is made only by registered mail. The Client undertakes to compensate the Contractor for postage.

10.2. Any changes or additions to this Agreement can be made only on the basis of the written consent of each of the parties.

10.3. Publication (placement) of the text of a public contract on the official website of the company is a public offer (offer) of the company, addressed to a wide range of people in order to provide certain types of Services

10.4. A public contract made in the manner described above is considered concluded in a simple written form, and accordingly does not require mandatory execution on paper and has full legal force.

10.5. This agreement is recognized as concluded at the location of the Contractor.

Lotus Finance Inc.
1210 E.Suffield Dr, Arlington Heights,IL
EIN: 88-3398795
Bank details:
Bank name: CITIBANK, N.A.
San Antonio,TX 78245
Account Number: 802001304
Routing Number: 271070801
Swift Code: CITI US 33