Platform documents

About the platform operator

Information about the VDole platform operator, its activities, requisites, Bank of Russia registry number and the sole executive body.

Persons controlling the operator

List of persons entitled to dispose of at least 10 percent of voting rights in the operator.

Investment risk declaration

List of risks assumed by the investor when investing via the VDole platform. Mandatory acknowledgement before first investment.

Personal data processing policy

Purposes, legal grounds, methods and terms of processing of personal data of VDole platform users under Federal Law 152-FZ.

Conflict of interest management policy

Principles for identifying, preventing and resolving conflicts of interest in the operation of the investment platform.

Qualified investor information

Definition of a qualified investor, recognition requirements and significance of the status.

Qualified investor recognition procedure

Grounds and procedure for recognition of a natural person as a qualified investor by the VDole operator.

Other operator services

List and terms of additional services provided by the operator beyond investment facilitation.

Investor actions in case of default

Steps available to the investor when the borrower defaults on obligations.

Offer acceptance procedure

Steps an investor takes on the VDole platform to accept an investment offer.

Procedure for joining the platform agreement

Steps required to join the platform service agreement.

Summary of material changes to platform rules

Revision history of the platform rules and material changes between revisions.

VDole investment platform rules, revision 1

Core regulating document: rights and obligations of investors, borrowers, and the operator.

Investment (loan) agreement

Standard form of investment (loan) agreement between investor and borrower on the VDole platform.

Pledge agreement (movable property)

Standard form of pledge agreement for movable property and property rights.

Mortgage agreement (real estate)

Standard form of real estate pledge agreement registered in the Unified State Real Estate Register.

Collection-cession agreement

Agreement by which the investor authorises the operator to administer payments and collect overdue debt.

Software license agreement

License agreement governing user access to the VDole platform software.

Guarantee agreement

Standard form of guarantee agreement securing the borrower's obligations.

Pledge management agreement

Agreement under which the operator manages a common pledge on behalf of multiple investors.

Mortgage bond

Registered security certifying the mortgagee's rights.

Investor offer acceptance application

Form confirming the investor's acceptance of the borrower's offer.

Investor platform joining application

Form confirming joining the platform agreement as an investor.

Borrower platform joining application

Form for a legal entity or sole proprietor to join the platform.

Borrower obligation fulfillment statement

Form confirming borrower's fulfillment of investment agreement obligations.

Investment offer

Form of investment offer published by the borrower for investor acceptance.

Loan payment schedule

Payment schedule form, an integral part of the investment (loan) agreement.

Operator annual report (placeholder)

Placeholder for the annual report, financial statements and audit opinions. Will be published after the first reporting period.