Discover two innovative electronic calculators designed to make complex choices simple and objective. One helps assess the real economics of the “credit vs. rent” decision, while the other supports family budget planning through clear, structured financial analysis.
Both tools go beyond surface-level comparisons. They reveal the underlying cost structure, reduce uncertainty, and help users choose the most economically sound path with confidence. Built on transparent models and practical logic, these calculators turn difficult financial decisions into clear, measurable, and manageable choices.
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(Terms of Service for Online Analytical Tool Access)
Last updated: «___» ________ 2026
Minsk, Republic of Belarus
This document is an official public offer (in accordance with Articles 405 and 407 of the Civil Code of the Republic of Belarus) by the self-employed individual Lemeh Vladimir Viktorovich (Taxpayer ID / UNP: АВ1552984), hereinafter referred to as the “Service Provider”, and sets forth the terms and conditions for providing digital services to any capable natural person, hereinafter referred to as the “Customer”.
The full and unconditional acceptance of the terms of this Offer is the payment for the services made by the Customer in accordance with the terms of this Agreement.
1. DEFINITIONS
1.1. Website — the online platform located at https://lab.antieconomy.com/.
1.2. Service / Tool — an online analytical tool (electronic calculator) designed for economic modeling, scenario evaluation, and analytical computations available on the Website.
1.3. Access Code — a unique alphanumeric key generated by the Service Provider and delivered to the Customer via e-mail, granting access to perform up to 100 (one hundred) calculation iterations within the Service.
1.4. Customer — an individual who has accepted this Public Offer.
1.5. Payment Gateway (WebPay) — the payment processing service (https://www.webpay.by) that securely handles bank card transactions.
2. SUBJECT OF THE AGREEMENT
2.1. The Service Provider undertakes to provide the Customer with access to the analytical tool by delivering an Access Code to the Customer’s e-mail address, and the Customer undertakes to pay for this service under the terms of this Offer.
2.2. One Access Code grants the right to use the online calculator independently for up to 100 calculation iterations.
3. ORDERING AND SERVICE DELIVERY PROCEDURE
3.1. To gain access to the Service, the Customer selects the required calculator and completes the form on the Website, providing accurate information (including a valid email address).
3.2. After completing the form, the Customer is automatically redirected to the secure payment page of the “WebPay” service to make the payment.
3.3. Payment for the services is made by the Customer in cashless form using a bank card via the payment system.
3.4. Upon successful confirmation of payment by the payment system, the Access Code is generated automatically and instantly sent to the email address specified by the Customer during registration.
3.5. The Customer independently uses the received Access Code to log in to the selected calculator at any time convenient for them.
3.6. The Service is deemed to have been fully and properly rendered by the Provider and accepted by the Customer at the moment the Access Code is automatically sent to the Customer’s email address. The Parties agree that signing a bilateral paper acceptance certificate for the services rendered is not required.
4. PRICING AND PAYMENT TERMS
4.1. The cost of access (one Access Code for 100 iterations) is 7 USD (seven US Dollars).
4.2. Payment is made by bank card via the WebPay online processing system. Depending on the currency of the Customer’s card account, conversion rates set by the Customer’s issuing bank may apply.
4.3. The Customer’s payment obligation is considered fulfilled upon receipt of a successful transaction confirmation from the payment processing system.
5. PAYMENT SECURITY (WEBPAY)
5.1. The secure WEBPAY server establishes an encrypted TLS connection and confidentially receives the Customer’s payment card data (card number, cardholder name, expiration date, and CVC/CVC2 card security code).
5.2. After completing a payment by card, please save and keep the transaction receipts (card slips) for reconciliation with your card account statement in case of any disputes.
5.3. If you did not receive your order (the service was not rendered / the Access Code was not received), please contact our customer support team:
- Phone: +375 29 678 42 52
- E-mail: lemekh@antieconomy.com
6. REFUND POLICY
6.1. When payment is made by bank card, any applicable refund is issued strictly to the same card that was used for the initial transaction.
6.2. Since the service represents digital content and is deemed fully delivered once the Access Code is issued, refunds are generally not provided after the Access Code has been dispatched.
6.3. A refund is only possible if the Customer’s card was charged, but the Access Code was not delivered due to a technical error on the Service Provider’s side, and the issue was not resolved within 48 hours following the Customer’s written notice.
7. TECHNICAL COMPLIANCE & DISCLAIMER
7.1. The Service is provided on an “as is” and “as available” basis. The Service Provider does not guarantee that the calculations will meet subjective expectations or commercial business targets.
7.2. The Service serves computational and informational purposes only and does not constitute individual investment, financial, or legal advice.
7.3. The information resource is officially registered in the State Register of Information Networks, Systems, and Resources of the Republic of Belarus (BelGIE):
- Registration Date: 11.06.2024 (please verify date)
- Registration Number: 216356
7.4. The website is hosted on a server physically located in the Republic of Belarus.
8. LEGAL DETAILS AND CONTACT INFORMATION
- Service Provider: Self-employed Lemeh Vladimir Viktorovich (taxpayer under the professional income tax regime)
- UNP (Tax Identification Number): АВ1552984
- Legal Address: Minsk, Republic of Belarus
- Working Hours: 09:00 – 22:00 (UTC+3, daily)
- Contact E-mail: lemekh@antieconomy.com
- Contact Phone: +375 29 678 42 52
- Official Website: https://lab.antieconomy.com
- Payment Processor Website: https://www.webpay.by
