Public Offer

User agreement of the insurance service on yrin.com

Version of 18 October 2026

1. Parties and subject matter of the Offer

1.1. This document is a public offer (a proposal to conclude an agreement) within the meaning of Articles 633, 641 and 642 of the Civil Code of Ukraine and is addressed to an indefinite range of persons.

1.2. This Offer is published by the Service Operator, whose details, particulars and contact information are set out in section 18 of this Offer.

1.3. The other party is an individual, an individual entrepreneur or a legal entity that uses the insurance service at https://yrin.com/insurance/ (hereinafter: "Service") in its own interests or through a duly authorised representative (hereinafter: "User").

1.4. The subject matter of this Offer is the rules for using the Service and the terms on which the User is given technological access to the calculation of the cost and the submission of an application for the conclusion of a medical insurance contract, as listed in section 5 of this Offer.

1.5. This Offer is not an insurance contract. The insurance contract is concluded directly between the User and the Insurer chosen by the User and is governed by the Insurer's own terms, insurance rules and the legislation of Ukraine.

1.6. This Offer applies to the Service only. Other sections of the website https://yrin.com are not covered by this Offer.

2. Definitions

Service: the online form and the related software tools at https://yrin.com/insurance/, by means of which the User calculates the cost and submits an application for the conclusion of an insurance contract.

Service Operator: individual entrepreneur Ihor Andriiovych Balaban, who ensures the operation of the Service, provides Users with the services envisaged by this Offer and is a party to this Offer.

Insurance intermediary: an insurance agent and/or insurance sub-agent who, in accordance with the legislation of Ukraine and the authority granted to them, sells an insurance product. The Service Operator is an insurance intermediary with the status of sub-agent (section 4).

Insurance agent: an insurance intermediary with which the Service Operator has concluded a sub-agency agreement. Information on insurance agents is provided in the Insurance Intermediary Information.

Insurer: an insurance company that holds a licence of the National Bank of Ukraine to carry out insurance activity and is the direct party to the insurance contract with the User.

Insurance contract (Policy): a contract concluded between the Policyholder and the Insurer in accordance with the legislation of Ukraine.

Policyholder: the User or another person who concludes an insurance contract with the Insurer, including through the use of the Service.

Order: an application generated by the User in the Service for the issue of a specific insurance contract on specified terms.

Insurance Intermediary Information: a separate information document published at https://yrin.com/en/immigration-prawo/temporary-residence-permit-in-ukraine/insurance-agent.

Acceptance: the actions of the User provided for in section 3 of this Offer, which constitute full and unconditional acceptance of its terms.

3. Acceptance procedure

3.1. Contractual obligations under this Offer arise from the moment the Order is placed: by the User ticking the relevant box (the "checkbox") to accept the terms of this Offer and clicking the button to submit the application. Ticking the box is an active and unambiguous action of the User.

3.2. Ticking the box and clicking the button to submit the application are actions by the User that demonstrate acceptance of the terms of the Offer within the meaning of the second part of Article 642 of the Civil Code of Ukraine, and are equivalent to signing the Offer.

3.3. Before the box is ticked, the User is given the technical ability to read the full texts of this Offer and of the Privacy Policy by means of active links placed next to the relevant field.

3.4. Consent to the processing of personal data is given by a separate tick, independent of the tick referred to in clause 3.1, on the terms and to the extent set out in the Privacy Policy.

3.5. If the User does not agree with the terms of this Offer in whole or in part, the User must refrain from placing an Order and stop using the Service.

3.6. The Privacy Policy, published at https://yrin.com/en/immigration-prawo/temporary-residence-permit-in-ukraine/insurance-privacy, is an integral part of this Offer.

3.7. The Insurance Intermediary Information is a separate information document and is provided to the User before the insurance contract is concluded, in accordance with the requirements of the legislation of Ukraine. It may be updated in connection with a change in the list of insurance agents, Insurers, powers and/or schemes for the sale of insurance products. Such an update does not in itself constitute a change to the terms of this Offer.

3.8. By placing an Order, a User who is an individual confirms that they are of full age and have legal capacity, and a person acting on behalf of or in the interests of another individual or legal entity confirms that they have the necessary authority to do so.

4. Status of the Service Operator and of the insurance intermediaries

4.1. The Service Operator ensures the operation of the Service and the provision to Users of the services envisaged by this Offer.

4.2. The Service Operator simultaneously carries out activity as an insurance intermediary. Its registration details are set out in section 18 of this Offer.

4.3. The Service Operator acts as an insurance sub-agent on the basis of sub-agency agreements with insurance agents. The insurance agent through which the products of a particular Insurer are sold is indicated in the Insurance Intermediary Information, which is disclosed to the User before the insurance contract is concluded.

4.4. Neither the Service Operator nor the insurance agent is an Insurer. They do not assume insurance risks, do not form insurance reserves, do not decide whether an event is an insured event, do not make insurance payments and do not consider claims for insurance compensation.

4.5. No fee is charged to the User for using the Service. The services of the insurance intermediary are free of charge for the client: the client pays the intermediary no payments. The intermediary receives remuneration for the sale of insurance products from the Insurers (through the relevant insurance agent) on the basis of sub-agency agreements; such remuneration is included in the insurance premium under the insurance contract.

4.6. The current list of Insurers whose insurance products are available through the Service is set out in the Insurance Intermediary Information and may change without amendments to this Offer.

5. Services of the Service

5.1. Through the Service, the User is given the opportunity to calculate the cost of and to submit an application for a medical insurance contract for foreigners of the following types: a policy for a D/C visa and a policy for a temporary residence permit (TRP). The available products, terms and conditions are determined directly in the Service and may change.

5.2. The cost of the policy is calculated in the Service according to the tariffs of the relevant product and depends on the conditions chosen by the User (type and term of the policy, start date, citizenship, etc.). A surcharge may apply for certain citizenships, of which the User is informed in the Service before the application is submitted. The final amount payable is indicated in the draft insurance contract and on the Insurer's payment page.

5.3. On the basis of the Order data, the Service Operator prepares a draft insurance contract in the Insurer's information system and sends the User, to the e-mail address indicated by the User, a draft policy in PDF format and a payment link on the Insurer's website.

5.4. Submitting an application does not create an obligation to conclude an insurance contract until the User makes payment using the Insurer's link.

6. Procedure for issuing an insurance contract

6.1. To obtain a calculation, the User enters in the relevant fields of the Service the data necessary to determine the insurance terms, confirms the price, gives the consents, confirms that the data entered is correct and submits the application.

6.2. The User bears full and sole responsibility for the accuracy, currency and completeness of the information provided. The Service Operator has neither the technical nor the legal ability to verify the data entered by the User.

6.3. The User is warned that entering inaccurate or incomplete information may result in the Insurer refusing an insurance payment, reducing its amount, or the insurance contract being declared invalid in the manner established by the legislation of Ukraine.

6.4. After the application is submitted, the User receives at the e-mail address indicated by the User a letter with a draft policy in PDF format and a payment link. The User must check the correctness of the personal data in the draft policy before making payment. The validity period of the payment link is stated in the letter.

6.5. If the User has chosen delivery of the policy by Nova Poshta (for a TRP policy), the item is dispatched using the recipient details indicated by the User. The delivery terms and procedure are stated in the Service Operator's letter.

6.6. The Service Operator performs its obligations under this Offer from the moment the draft insurance contract and the payment link are sent to the User.

7. Conclusion of the insurance contract

7.1. The insurance contract is concluded in electronic form between the User and the Insurer in accordance with the Civil Code of Ukraine and the Laws of Ukraine "On Electronic Commerce", "On Electronic Documents and Electronic Document Circulation" and "On Electronic Trust Services".

7.2. The insurance contract is concluded in the Insurer's information system: the User follows the link received from the Service Operator to the Insurer's website. The payment procedure, the moment the contract takes effect, the method of confirming the User's will and the receipt of the electronic policy are determined by the Insurer in the insurance contract, in the draft policy and on its website.

7.3. After the policy is paid for on the Insurer's website, the electronic version of the policy is, as a rule, sent automatically by the Insurer to the e-mail address indicated by the User.

7.4. Neither the Service Operator nor the insurance agent applies an electronic signature on behalf of the User or signs contracts in the User's place.

7.5. If the User acts on behalf of another person, the User must provide documents confirming the User's authority. In the absence of such documents or if the authority cannot be confirmed, the issue of the insurance contract may be refused.

7.6. Until payment is made, the User has the right to decline to conclude the contract without any consequences, by not making payment.

8. Payment and refunds

8.1. The insurance premium is paid by the User directly to the Insurer, to its current account, using the payment link on the Insurer's website. The Service does not accept payments.

8.2. The Service Operator and the insurance agent are not authorised to receive insurance premiums (insurance payments) from clients and are not recipients of the insurance premium. This provision corresponds to the Insurance Intermediary Information.

8.3. The procedure for early termination of the insurance contract, the possibility of a refund and the determination of the amount to be returned to the Policyholder are governed by the legislation of Ukraine, the terms of the relevant insurance contract and the Insurer's rules and procedures.

8.4. To initiate early termination of the insurance contract and/or a refund, the User may contact the Insurer directly, the relevant insurance intermediary or the Service Operator using the contact details given in section 18. If the User contacts the Service Operator, the Service Operator, within the authority granted to it, assists in forwarding and processing the relevant request.

8.5. The decision on whether the insurance contract may be terminated early, on the amount to be refunded and on the other consequences of termination is made by the Insurer in accordance with the legislation of Ukraine and the terms of the insurance contract. Neither the Service Operator nor the insurance agent determines the amount to be refunded independently.

8.6. Neither the Service Operator nor the insurance agent is liable for the amount determined for refund under the terms of the insurance contract, or for the refund periods to the extent that they depend on the actions or omissions of the Insurer, a bank or another third party, provided that those parties duly perform their obligations.

9. Combating fraud and abuse

9.1. The Service Operator takes measures to prevent fraud, abuse and other unlawful acts in the use of the Service.

9.2. The Service Operator has the right to restrict certain functions of the Service for the period necessary to verify the relevant circumstances if signs are detected of:

• the provision of knowingly inaccurate personal data;
• automated data collection, an abnormal number of requests or other activity that threatens the stability of the Service;
• other actions that show signs of fraud or breach of the law.

9.3. The Service Operator has the right to refuse to accept an Order, or to cancel an Order that has already been generated but not performed, if the signs referred to in clause 9.2 are present, in the cases provided for by the legislation of Ukraine, or if the Insurer so requires. A refusal to accept an Order does not require justification to the User if disclosing the grounds could harm the prevention of fraud.

9.4. Restriction of access or refusal to accept an Order does not affect the validity of insurance contracts already concluded: the User retains all rights under such contracts and exercises them directly through the Insurer.

10. Cookies

10.1. The Service uses one technically necessary session cookie, which ensures the operation of the form and protection against forged requests. It is not used for analytics or advertising and is deleted when the browser is closed.

10.2. The Service does not use analytics or marketing cookies, or scripts, fonts or other resources of third parties.

10.3. The User may restrict the use of cookies or delete them using the settings of their web browser. Blocking the technical cookie may make it impossible to submit an application.

10.4. Information on the processing of personal data is set out in the Privacy Policy.

11. Rights and obligations of the User

11.1. The User has the right to:

• use the Service free of charge to calculate the cost and submit an application;
• receive insurance contracts in electronic form;
• make enquiries about the operation of the Service and disputed situations in accordance with section 14;
• demand that the processing of their personal data be stopped in accordance with the procedure established by the Privacy Policy.

11.2. The User undertakes to:

• provide accurate, current and complete information;
• independently read the terms of the insurance contract and the Insurer's insurance rules before payment is made;
• not commit acts aimed at disrupting the operation of the Service, in particular attempts at unauthorised access, the use of malicious software or DDoS attacks;
• not use automated data collection tools ("robots", "parsers", screen scraping technologies) without the written permission of the Service Operator;
• not use the Service for business or intermediary activity without a separate written agreement with the Service Operator.

11.3. If an abnormal number of requests is detected that places excessive load on the Service, the Service Operator has the right to restrict or block access for such a User or from the relevant IP address.

12. Rights and obligations of the Service Operator

12.1. The Service Operator undertakes to:

• ensure the technical ability to submit an application for an insurance contract through the Service;
• use the Order data to prepare the draft insurance contract without distortion;
• process the User's personal data in accordance with the Privacy Policy and the Law of Ukraine "On Protection of Personal Data";
• consider Users' enquiries in accordance with section 14;
• disclose to the User information about the insurance intermediary and its status before the insurance contract is concluded.

12.2. The Service Operator has the right to:

• carry out scheduled and unscheduled maintenance, including without prior notice; temporary unavailability of the Service is not a ground for compensation of losses;
• change the design, structure and functionality of the Service;
• change the list of Insurers, insurance agents and available insurance products;
• send the User notices connected with the performance of the Order (service notices).

13. Limitation of liability

13.1. The Service Operator ensures the operation of the Service and carries out the activity of an insurance intermediary within the authority granted to it.

13.2. Neither the Service Operator nor the insurance agent is liable for the actions, omissions and financial condition of the Insurers, including their failure to perform obligations under insurance contracts, or for the periods and amounts of refunds made by them.

13.3. The Service Operator is not liable for the unavailability, failures, delays, errors or incorrectness of data of external systems and services that do not belong to it, in particular:

• the information systems of Insurers and insurance agents, their websites and payment pages;
• banks and payment systems through which the User pays the insurance premium;
• e-mail, messaging and delivery services, including Nova Poshta;
• hosting services, communications operators and the Internet network in general.

13.4. Temporary unavailability of any of the services referred to in clause 13.3 is not a ground for compensation of losses to the User and is not regarded as a breach of the obligations of the Service Operator.

13.5. Neither the Service Operator nor the insurance agent is liable for the consequences of:

• the User entering inaccurate or erroneous data, in particular errors in passport data, surname and first name, date of birth or e-mail address;
• the User's independent choice of an insurance product that does not meet the User's needs;
• the User's failure to check the draft policy before making payment.

13.6. The results of automatic calculations are for information purposes only. The User makes the final decision to conclude an insurance contract independently.

13.7. The Service may contain links to third-party resources. The Service Operator does not control such resources and is not responsible for their content or data processing policy.

13.8. The limitations of liability established by this section apply to the extent permitted by the legislation of Ukraine and do not limit the User's rights as a consumer established by the Law of Ukraine "On Consumer Rights Protection".

14. Procedure for considering enquiries

14.1. On matters concerning the operation of the Service, the User contacts the Service Operator using the contact details given in section 18 of this Offer.

14.2. On matters concerning the sale of the insurance product, consultation and the issue of the contract, the User may contact the relevant insurance intermediary. Its name and contact details are given in the Insurance Intermediary Information.

14.3. On matters concerning the recognition of an event as an insured event and the amount and making of an insurance payment, the User contacts the Insurer directly. The Insurer's contact details are stated in the insurance contract and on its website.

14.4. An enquiry to the Service Operator is considered within 30 calendar days from the date of its receipt. If information is needed from the Insurer or the insurance agent in order to consider it, the User is notified of the extension of the period.

14.5. The User may file a complaint about the actions of an insurance intermediary in sequence with: the Insurer with which the contract was concluded; the insurance agent through which the contract was concluded; the National Bank of Ukraine as the regulator of the financial services market; and may also apply to a court. The procedure for making a complaint is set out in detail in the Insurance Intermediary Information.

14.6. Enquiries concerning the processing of personal data are considered in accordance with the procedure established by the Privacy Policy.

15. Intellectual property

15.1. The intellectual property objects used in the Service, in particular texts, images, design elements, software code and other materials, belong to their respective rights holders and are used by the Service Operator on lawful grounds.

15.2. The User has the right to view and save the materials of the Service solely for personal non-commercial use. Copying, reproduction, distribution and other use of the materials of the Service for commercial purposes without the permission of the relevant rights holder is prohibited.

15.3. Quotation of the materials of the Service is permitted provided that the source is indicated and a direct hyperlink to https://yrin.com is placed.

16. Force majeure

16.1. The parties are released from liability for non-performance or improper performance of obligations under this Offer if it is caused by force majeure circumstances, in particular military action, the introduction of or a change in the conditions of martial law, missile attacks, emergency power and communications outages, decisions of public authorities and natural phenomena.

16.2. The existence of such circumstances and their duration are confirmed in the manner established by the legislation of Ukraine.

17. Final provisions

17.1. The Offer takes effect for the User from the moment of Acceptance in accordance with clause 3.1 and remains in force until the parties have fully performed their obligations.

17.2. The Service Operator has the right to amend this Offer. Amendments take effect from the moment they are published, unless otherwise stated at the time of publication.

17.3. Amendments to the Offer have no retroactive effect and do not change the terms of insurance contracts concluded by the User before such amendments took effect.

17.4. The current version of the Offer is permanently available at https://yrin.com/en/immigration-prawo/temporary-residence-permit-in-ukraine/insurance-offer.

17.5. Before each Order is placed, the User is given the opportunity to read the current version of this Offer. The terms of the Offer accepted by the User at the time of placing the Order apply to the relevant Order.

17.6. Disputes arising from this Offer are resolved by negotiation. If agreement is not reached, the dispute is referred to a court in accordance with the legislation of Ukraine. This Offer does not limit the User's rights as a consumer established by the Law of Ukraine "On Consumer Rights Protection".

17.7. If any provision of this Offer is held invalid, this does not make its other provisions invalid.

17.8. This document is drawn up in Ukrainian. If versions in other languages are published, the Ukrainian version prevails.

18. Information about the Service Operator