International Payments and Business Activities

Last updated: 8 June 2026
Effective date: 8 June 2026

This page explains the international payment activities, business projects, digital products, online services, and customer support information connected with:

SERGEI KONOVALOV, trading as S.K.

This page is intended to help customers, payment providers, banks, and card issuers understand what types of products and services may be sold through official S.K. projects and websites.

1. Seller / Business Owner

International card payments may be processed by:

SERGEI KONOVALOV, trading as S.K.
Legal form: Entrepreneur individuel / Micro-entreprise
SIREN: 989 827 043
SIRET: 989 827 043 00013
APE / Main activity code: 62.01Z — Programmation informatique
VAT status: Franchise en base de TVA
Business address: 8 Rue des Platanes, 67810 Holtzheim, France
Business email: sergeinfrance@gmail.com
Business website: https://sergeikonovalov.com/

SERGEI KONOVALOV / S.K. may act as the seller, merchant of record, service provider, technical provider, or international payment processor for the projects and services described on this page.

2. Main Business Activities

S.K. business activities may include:

website design and development;
web application design and development;
UI/UX design;
frontend and backend development;
SaaS product development and operation;
digital product infrastructure;
payment integration setup;
technical consulting;
website maintenance;
online platform setup and support;
international card payment processing for selected digital projects;
digital access management;
support for online educational content and digital delivery.

S.K. may also process international card payments for digital products, online memberships, educational digital content, and digital access products connected with Olga Ugrymova’s content.

3. Official Projects and Websites

International payments processed by S.K. may relate to the following official websites, products, or services.

3.1. S.K. Web Design and Development Services

Official website:
https://sergeikonovalov.com/

S.K. provides website and web application design and development services for entrepreneurs, small businesses, creators, and digital projects.

Services may include UI/UX design, website development, frontend and backend development, landing pages, SaaS interfaces, technical consulting, payment setup, website maintenance, and related digital services.

Customers may pay for these services by card, invoice, payment link, checkout page, or another agreed payment method.

3.2. Olga Ugrymova Culinary Club

Official website:
https://club.ugrymova.ru/

International payments page:
https://club.ugrymova.ru/en/international-payments

The Culinary Club may provide paid access to private educational content, recipes, culinary materials, nutrition-related content, private community access, online materials, and related digital content authored by Olga Ugrymova.

Access may be provided through a website, Telegram channel, private digital platform, USPAS, email, or another official access method displayed before payment.

3.3. Ugrymova Digital Shop

Official shop website:
https://shop.ugrymova.ru/

International payments page:
https://shop.ugrymova.ru/international-payments

The shop may sell digital products including PDF files, e-books, recipe books, digital guides, webinars, video materials, online programs, educational materials, nutrition-related materials, women’s health and wellness programs, weight management materials, sleep and recovery materials, and other digital content authored by Olga Ugrymova.

Unless a product page clearly states otherwise, products sold through the shop are digital products only and no physical goods are shipped.

3.4. USPAS

Official website / platform:
https://uspas.ru/

USPAS is a digital creator platform / SaaS product that may provide access to creator channels, private content, digital memberships, paid channels, digital materials, and related online services.

International card payments may be processed for access to selected digital products, creator content, memberships, or platform services where S.K. is the relevant seller, provider, or payment processor.

3.5. Channly

Channly is a digital service / SaaS project connected with paid access, creator content, Telegram-based access flows, digital membership management, and related online services.

International card payments may be processed for access to selected digital products, memberships, platform services, or creator content where S.K. is the relevant seller, provider, or payment processor.

The official access page, payment page, or product page provided before payment should be considered the applicable project page for a specific Channly purchase.

4. Types of Products and Services

Depending on the project, customers may purchase:

website design and development services;
web application development services;
UI/UX design services;
SaaS access;
platform access;
paid memberships;
paid channel access;
digital subscriptions where clearly displayed before payment;
one-time digital products;
PDF files;
e-books;
recipe books;
digital guides;
webinars;
video materials;
online lessons;
online programs;
nutrition and lifestyle educational materials;
women’s health and wellness educational materials;
weight management educational materials;
sleep, recovery, and wellbeing educational materials;
digital access to private content;
technical consulting and implementation services.

The exact product, service, price, currency, payment method, delivery method, access period, and applicable legal terms are displayed before payment on the relevant product page, checkout page, payment page, invoice, or payment link.

5. Payment Processing

International card payments may be processed through Stripe or another available international payment provider.

Payment methods may include card payments, checkout pages, payment links, invoices, or platform checkout flows.

Card details are entered through the secure payment interface of the relevant payment provider. S.K. does not store full bank card numbers, CVC codes, or full payment card details.

Stripe or another payment provider may process payment data, authentication checks, fraud-prevention checks, payment confirmation, refunds, disputes, chargebacks, and related payment information according to its own terms and privacy practices.

6. How Customers Receive Access or Delivery

Depending on the product or service, delivery may be provided through one or more of the following methods:

download link;
email;
customer account;
private page;
private digital platform;
video access;
webinar access;
Telegram access;
SaaS account;
creator platform access;
payment confirmation page;
manual service delivery;
project work delivered according to an agreement, invoice, or project scope;
another official delivery or access method displayed before or after payment.

Digital products are usually delivered after successful payment confirmation.

Custom web design, web development, consulting, and technical services may be delivered according to the agreed project scope, timeline, invoice, proposal, or written communication with the customer.

7. Project-Specific Legal Documents

Different products and services may have different legal terms.

For Olga Ugrymova Culinary Club, please review:

International Payments:
https://club.ugrymova.ru/en/international-payments

Terms:
https://club.ugrymova.ru/en/terms

Refund Policy:
https://club.ugrymova.ru/en/refund-policy

Legal Notice:
https://club.ugrymova.ru/en/legal-notice

For Ugrymova Digital Shop, please review:

International Payments:
https://shop.ugrymova.ru/international-payments

Terms and Conditions:
https://shop.ugrymova.ru/terms-and-conditions

Refund Policy:
https://shop.ugrymova.ru/refund-policy-international

Digital Delivery Policy:
https://shop.ugrymova.ru/digital-delivery-policy

Legal Notice:
https://shop.ugrymova.ru/legal-notice-international

For S.K. web design, web development, consulting, and technical services, the applicable terms may be provided through the invoice, proposal, written agreement, email communication, or general S.K. terms published on:

https://sergeikonovalov.com/

If there is any inconsistency between this general page and a specific product page, checkout page, payment page, invoice, agreement, or project-specific legal document, the information clearly displayed for the specific purchase applies to that purchase.

8. Refunds, Cancellations, and Disputes

Refund and cancellation rules depend on the product or service purchased.

For digital products, immediate access, downloaded files, online memberships, private content, SaaS access, or digital materials, refunds may be limited after access has been provided, a file has been downloaded, or materials have been opened.

For custom web design, web development, consulting, or implementation services, refund and cancellation conditions may depend on the agreed project scope, invoice, work already performed, written agreement, or applicable law.

Customers should review the relevant product-specific Refund Policy, Terms, checkout information, invoice, or agreement before payment.

If a customer has a payment, access, delivery, or service issue, the customer should contact support before opening a bank dispute or chargeback.

9. Educational and Health Disclaimer

Some digital materials connected with Olga Ugrymova may relate to nutrition, recipes, lifestyle, wellness, women’s health, weight management, sleep, recovery, and related educational topics.

Such materials are provided for informational and educational purposes only.

They are not medical advice, diagnosis, treatment, individual nutrition consultation, dietary prescription, psychological advice, therapy, or a substitute for consultation with a qualified doctor, dietitian, nutritionist, psychologist, or other healthcare professional.

Customers are responsible for considering personal health conditions, allergies, food intolerances, contraindications, pregnancy, breastfeeding, medication use, medical restrictions, and any other individual circumstances before applying any information, recipe, recommendation, program, or material.

S.K. and the content author do not guarantee individual health, nutrition, weight, lifestyle, sleep, wellbeing, or wellness results.

10. Intellectual Property

Digital products, educational materials, designs, websites, software, SaaS interfaces, text, images, videos, PDF files, e-books, recipes, guides, programs, branding, layouts, and other materials may be protected by copyright and intellectual property laws.

Purchasing a digital product, membership, platform access, or service does not transfer ownership or intellectual property rights unless expressly agreed in writing.

Customers may not copy, reproduce, resell, publish, share, distribute, sublicense, transfer, or commercially exploit purchased materials, private content, software, platform access, or project deliverables unless expressly permitted in writing.

11. Customer Support

For questions about international payments, Stripe payments, card charges, payment receipts, refunds, digital access, product delivery, order issues, or S.K. services, please contact:

SERGEI KONOVALOV / S.K.
Email: sergeinfrance@gmail.com
Website: https://sergeikonovalov.com/

For support requests related to Olga Ugrymova digital content, customers may also contact:

General support email: artsimpo@mail.ru
Main author website: https://ugrymova.ru/

When contacting support, please include:

customer name;
email used for payment;
order number, invoice number, payment link, or payment reference;
product or service name;
payment date;
amount and currency;
payment method;
Stripe receipt or payment ID, if available;
clear description of the issue;
screenshots or error messages, if relevant.

12. Contact Details

Business owner / seller / service provider:

This page may be updated from time to time to reflect new projects, payment flows, legal documents, products, services, or support information.