Terms of Use
SkillSwap (also referred to as Skill Connect)
Version: 2.0
Last updated: 24 August 2026
Status: Draft for production (Russia market, YooKassa Safe Deal) — requires review by qualified legal counsel before publication.
Important notice
These Terms of Use (“Terms”) govern access to and use of the SkillSwap platform delivered primarily as a Telegram Mini App and related services (collectively, the “Platform” or “Service”).
The Platform is operated by OOO «Kvantum» (Quantum LLC) (“we”, “us”, “our”), with registered address at 195269, Saint Petersburg, Prosveshcheniya Ave., 69, building A, apt. 113, contact email: support@redskill.online.
By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
Nothing in these Terms constitutes legal, tax, or financial advice. Replace bracketed placeholders before production use.
Primary launch market: Russian Federation, currency RUB, payments via YooKassa (Safe Deal).
1. Definitions
- Seeker — a user who searches for, books, and pays for Expert Sessions.
- Expert — a user who offers paid consultations and may receive payouts for completed services.
- Session — a scheduled one-to-one digital consultation (including video), typically time-boxed.
- Public Session — an Expert listing available in in-app search.
- Individual invite — a personal Expert link for a specific time slot; Booking is confirmed after the Seeker pays.
- Booking — a reservation of Session time between a Seeker and an Expert (including after payment or while awaiting payment).
- Session notes (insights) — optional feature: Session audio capture, transcript, and AI summary after the video call.
- YooKassa / Safe Deal — payment service used for accepting payments and Expert payouts under a safe-deal model (Russia market).
- SkillCoin — where available, a non-transferable promotional or legacy in-app unit with no cash value outside the Platform; not legal tender.
- Report (Complaint) — a moderation report about conduct, safety, or Platform use related to a Booking; it does not by itself pause settlement unless treated as a Session Dispute.
- Session Dispute — a report requesting payment review for a Booking. While open, automatic settlement may be paused.
2. Nature of the Service
2.1. SkillSwap is a marketplace that helps Seekers discover Experts and book paid Sessions. Experts are independent providers, not employees, agents, or partners of the Platform Operator unless expressly agreed in writing.
2.2. We provide technology (scheduling, video session access, notifications, payment orchestration, optional Session notes). We do not guarantee the quality, legality, or outcome of any Session.
2.3. The Service is not a bank, payment institution, or e-money issuer. Movement of funds to and from cards and bank accounts is performed by the payment provider (YooKassa), subject to that provider’s terms and applicable law.
2.4. On the Russia market, settlements are in RUB. Other currencies may be available only when expressly shown in the app for the relevant market.
3. Eligibility
3.1. You must be at least 18 years old (or the age of majority in your jurisdiction, if higher) and have legal capacity to enter into binding contracts.
3.2. You must use the Service in compliance with applicable laws, including sanctions, export controls, and marketplace rules in your country of residence.
3.3. Experts must complete financial onboarding and compliance (including tax status information, TIN/INN where required, and payout card linking via YooKassa) before receiving payouts, where required by us or the payment provider.
3.4. We may refuse, suspend, or terminate access at our discretion, including for fraud, abuse, chargebacks, or violation of these Terms.
4. Accounts and access
4.1. Access is primarily through Telegram. User identity is based on Telegram ID (Telegram Web App data). You are responsible for securing your Telegram account and device.
4.2. Profile data (name, photo, language, timezone, and similar settings) must be accurate and kept up to date.
4.3. You may operate in Seeker and/or Expert mode where the app allows. Financial and compliance rules apply per role.
4.4. We may link your Platform account to your Telegram user ID and maintain activity logs for security, support, and reconciliation.
4.5. An Expert may invite a Seeker via an invite link. A Telegram account is sufficient; no separate registration on third-party websites is required.
5. Expert listings and Sessions
5.1. Experts create public Sessions (discoverable in search) and/or individual invites (a link to a specific slot), set price, duration, category, and schedule parameters within app limits.
5.2. On the Russia market, Session prices are typically between 500 RUB and 50,000 RUB, unless otherwise shown in the app.
5.3. Availability is generated automatically from Expert parameters and current load. The Platform aims to prevent overlapping Expert slots (public and individual); conflicting create/book actions may be rejected.
5.4. For an individual invite, the slot is not finally confirmed for the Expert until the Seeker has paid (subject to payment statuses in the app).
5.5. Experts represent that they are entitled to offer the described services and that Session content complies with applicable law.
5.6. We may moderate, hide, pause, or remove listings that violate these Terms.
5.7. Session delivery may use third-party video infrastructure (e.g. Daily.co). Additional third-party terms may apply.
6. Booking and payment
6.1. Booking. The Seeker selects a slot (or follows an invite), starts payment, and confirms the Booking. Until payment succeeds, a Booking may remain awaiting payment and may be auto-cancelled after a timeout (typically about 30 minutes, unless otherwise shown).
6.2. Payment methods (Russia). Typically:
- card or SBP payment at booking via YooKassa (Safe Deal); and/or
- SkillCoin, where available in the app.
6.3. Prices and fees. At Booking, a financial snapshot is recorded, including the Seeker price, platform fee, and Expert earnings. Currently:
- base platform fee — 10% of the Session price;
- if Session notes are enabled on the listing — an extra +3% (13% total).
The Seeker price does not increase because of Session notes: the extra fee is deducted from Expert earnings. Taxes are each party’s responsibility under applicable law.
6.4. No completion guarantee. Payment does not guarantee attendance, uninterrupted technology, or any particular Session outcome.
6.5. Currency (Russia). Settlements are in RUB, unless otherwise shown in the app.
7. Payment provider (YooKassa)
7.1. On the Russia market, payments and Expert payouts are processed by YooKassa (Safe Deal). By paying or receiving payouts, you also accept YooKassa / YooMoney terms.
7.2. We are not responsible for payment-provider outages, account restrictions, bank delays, or compliance checks.
7.3. Reconciliation. Payment statuses are updated from provider webhooks and internal accounting. In case of discrepancies, for Service access we rely on internal records and review results; external money movement follows the provider’s data.
7.4. Expert payouts. After a successful Session and completed financial compliance, funds are typically held in escrow for about 24 hours (unless a dispute is open), then automatically paid to the Expert’s card via YooKassa when product criteria are met.
7.5. Full card numbers are not stored on our servers; they are handled by the payment provider.
8. Session notes (insights)
8.1. An Expert may enable Session notes for a public Session or individual invite (typically for video Sessions from 500 RUB).
8.2. When enabled, after the video call the Platform may:
- capture audio (video is not retained as part of the notes product);
- create a transcript and AI summary (topics, action items, recommendations, etc.);
- show notes in Session history for participants;
- on Expert request, send the summary to the Expert via Telegram.
8.3. Notes text and transcript are typically retained for up to 90 days from readiness, then deleted or marked expired.
8.4. If notes are not delivered due to a technical failure, the extra Session-notes fee (+3%) may be refunded to the Expert under product rules.
8.5. By enabling Session notes, the Expert confirms they are entitled to use audio capture and processing under applicable law. By booking a Session marked with notes, the Seeker accepts that Session audio may be processed to produce notes. (A dedicated Seeker consent UI may be added later.)
9. Cancellation, rescheduling, and refunds
9.1. Cancellation deadline. Cancellation is generally unavailable later than 5 minutes before Session start, unless the app expressly allows otherwise.
9.2. Seeker cancellation — more than 1 hour before start. If cancelled at least one (1) hour before start (and within the allowed window), funds are usually refunded to the Seeker (to the card / under YooKassa rules or to internal accounting, depending on payment method).
9.3. Late Seeker cancellation — less than 1 hour. If cancelled less than one hour before start, funds are usually not refunded to the Seeker and may be paid to the Expert (net of platform fee) under product rules.
9.4. Expert cancellation. If the Expert cancels, the Seeker usually receives a full refund.
9.5. Rescheduling. A Seeker may reschedule no later than 1 hour before start if allowed by the app, a free slot exists, and there is no schedule conflict. An Expert may move an individual Session; the invite link usually remains the same.
9.6. Individual invites. After payment, the link is usually unavailable to others. Cancellation and payment timeout affect reuse of the link.
9.7. Card refunds may take several business days depending on YooKassa and the card network.
10. Session completion, no-show, and settlement
10.1. After a Session, funds are settled under internal rules, typically after slot end and an escrow period of about 24 hours (unless a dispute is open).
10.2. Successful completion. A Session is successful if both participants spent at least 5 minutes total in the video call during the official slot while the SkillSwap app was open and active (background / minimized Telegram time is not counted; reconnections are summed). Expert earnings (price minus platform fee) then become payable; Seeker payment is settled accordingly.
10.3. No-show. After slot end, the Platform determines outcomes from total video time in the slot window (active app only). A participant is a no-show if they spent less than 5 minutes in video. Typical outcomes:
- Seeker no-show — funds may be paid to the Expert (net of platform fee);
- Expert no-show — full refund to the Seeker;
- both no-show — platform fee is retained, remainder refunded to the Seeker.
10.4. Ratings and reviews after no-show or cancellation are voluntary where available.
10.5. Settlement and payout rights depend on system records, completion status, open Session Disputes, payment challenges, and Expert compliance status.
10.6. Session Disputes. If a participant opens a payment dispute before settlement, automatic settlement may be paused until resolution. Settlement may be extended up to seventy-two (72) hours from dispute opening (or longer if further review is needed).
11. Expert payouts
11.1. Payouts require completed financial compliance (profile, tax status, TIN/INN, payout card, and other app / YooKassa requirements).
11.2. When successful-Session criteria are met and there are no blockers (dispute, account restrictions, invalid payout details), payout is typically automatic via YooKassa Safe Deal to the Expert’s linked card.
11.3. We may delay payout for suspected fraud, disputes, legal requirements, or incorrect details.
11.4. Experts are solely responsible for tax reporting on income received through the Platform.
12. Chargebacks, reports, and Session Disputes
12.1. Card chargebacks
12.1.1. A Seeker may dispute a charge with their card issuer. We and the payment provider may reverse amounts, cancel settlement, pause payouts, or restrict accounts.
12.1.2. A chargeback does not replace an in-app report. Abuse may lead to account suspension.
12.2. In-app reports and complaints
12.2.1. Only a Seeker or Expert who participated in the Booking may file a report for that Booking.
12.2.2. Each participant may file one report per Booking. To add information, contact support with the Booking ID.
12.2.3. Reports are available in-app during or after the video Session, from history, after review, and via support / emergency contact.
12.2.4. Categories include: Expert no-show, Seeker no-show, consultation quality, technical issues, payment/refund, conduct/safety, other.
12.2.5. A conduct complaint does not by itself pause automatic settlement unless we reclassify it as a Session Dispute.
12.2.6. You must provide accurate information and reasonably cooperate with evidence requests (Session metadata, join logs, chat, etc.).
12.3. Session Dispute (payment review)
12.3.1. If you request payment review, the report is a Session Dispute.
12.3.2. While a dispute is pending, we may pause automatic settlement until resolution.
12.3.3. We aim to resolve disputes within 72 hours. Complex cases may take longer.
12.3.4. Both participants may be notified of opening and resolution. Status appears in Session history.
12.3.5. If funds were already settled or paid out before the dispute, in-app review may be limited; support contact and external consumer/bank procedures remain available as applicable.
12.4. Moderation decisions
12.4.1. Outcomes may include: full Seeker refund; Expert payout (net of fee); rejection; closure with no financial change.
12.4.2. In-app decisions are final for Platform purposes (access, internal accounting, settlement). They do not waive mandatory consumer rights where applicable law so requires.
12.4.3. We may warn, restrict, suspend, or terminate access for reports, repeated disputes, fraud, or abuse of the reporting system.
13. SkillCoin and promotional credits
13.1. SkillCoin and similar units have no cash value outside the Platform, are non-transferable, and may be changed or discontinued.
13.2. Promotional credits are not redeemable for cash unless expressly stated.
14. Prohibited conduct
You must not:
- violate law or third-party rights;
- offer or request illegal, harmful, abusive, or discriminatory services;
- divert payment off-Platform where prohibited;
- impersonate others or provide false compliance data;
- abuse refunds, chargebacks, or cancellation rules;
- hack, scrape, or overload the Service;
- use the Service where prohibited by the payment provider, Telegram, or sanctions.
15. Reviews and content
15.1. Reviews must be made in good faith and must not be defamatory.
15.2. You grant us a non-exclusive licence to use submitted content to operate and promote the Service.
15.3. We may remove content that violates these Terms.
16. Privacy
Personal data is processed under the Privacy Policy. Payment data is processed by the payment provider (YooKassa). Audio processing for Session notes is governed by Section 8 and the Privacy Policy.
17. Intellectual property
SkillSwap name, logos, software, and design belong to the operator or licensors. You receive a limited, revocable licence to use the app under these Terms.
18. Disclaimer of warranties
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT UNINTERRUPTED OPERATION, EXPERT CONSULTATION QUALITY, AI NOTES ACCURACY, OR ANY PARTICULAR SESSION OUTCOME.
19. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, LOST PROFITS, LOSS OF DATA, OR LOSS OF GOODWILL.
- OUR AGGREGATE LIABILITY ARISING FROM THE TERMS OR SERVICE SHALL NOT EXCEED THE GREATER OF: (A) 10,000 RUB (or equivalent), OR (B) FEES PAID TO US IN THE THREE (3) MONTHS BEFORE THE EVENT.
Where local law does not allow full limitations, liability is limited to the maximum extent permitted.
20. Indemnity
You agree to indemnify the Platform Operator, affiliates, and personnel against claims arising from your use of the Service, Sessions, or breach of these Terms or law.
21. Suspension and termination
We may suspend or terminate access at any time. You may stop using the Service at any time.
Provisions that by nature should survive (payments, liability limits, indemnity, governing law) survive termination.
22. Changes
We may update these Terms. We will notify of material changes in the app, Telegram, or by email. Continued use after the effective date constitutes acceptance unless prohibited by law.
23. Governing law and disputes
23.1. For Russia-market users, these Terms are governed by the laws of the Russian Federation, unless the operator states otherwise.
23.2. Disputes shall be heard by courts at the operator’s location, unless mandatory consumer-protection rules require otherwise.
23.3. For users in other markets, governing law and venue may differ (as stated in the Terms version for that market).
24. Contact
Support: support@redskill.online
Legal / privacy: privacy@redskill.online
Operator: OOO «Kvantum», OGRN 1247800024647, INN 7804707480
Appendix A — Product rules summary (not a contract)
| Topic | Rule (as implemented in the product) |
|---|---|
| Primary market | Russia, RUB, Telegram Mini App |
| Identity | Telegram ID |
| Session types | Public (search) and individual (invite link) |
| Individual invite | Slot confirmed after payment |
| Scheduling | Auto-generated slots; no Expert overlaps |
| Platform fee | 10%; with Session notes — 13% (10% + 3%) |
| Seeker price for notes | Unchanged |
| Session notes | Audio → transcript → AI summary; ~90-day retention |
| Notes failure | +3% refunded to Expert |
| Payment (RU) | YooKassa Safe Deal (card / SBP) |
| Escrow / payout | ~24h after slot → auto payout if compliant |
| Cancel deadline | No later than 5 minutes before start |
| Late Seeker cancel | < 1 hour → usually no Seeker refund |
| Expert cancel | Usually full Seeker refund |
| Seeker reschedule | No later than 1 hour before start |
| Video participation | ≥ 5 minutes total in slot (app active) |
| Both no-show | Platform fee retained; remainder to Seeker |
| Session Dispute | Payment review; settlement may pause up to ~72h |
| Session price (RU) | Typically 500–50,000 RUB |
End of Terms of Use