Sigortayeri User Agreement

Anyone who visits or uses the website 'www.sigortayeri.com' (hereinafter referred to as the 'Site') or requests to benefit from the services offered on this Site (hereinafter referred to as the 'User') accepts all of the terms and conditions contained in this User Agreement (hereinafter referred to as the 'Agreement'). The User accepts and undertakes that all of the terms and conditions contained in this Agreement, as well as the provisions of the 'Privacy Policy', which is an integral part of this Agreement, and other instructions on this Site are binding. In the event that the User does not accept the terms and conditions contained on this Site, she/he must not access and use the Site, and if she/he has started to use it, she/he must immediately stop using it.

Sigortayeri.com reserves the right to make changes to this Agreement, Privacy Policy and other instructions on this Site at any time. Such changes shall be valid and binding as of the date of publication on this Site. It is the User's responsibility to follow the changes. Sigortayeri.com has no obligation to notify the User of any changes. The User shall be deemed to have accepted these changes by continuing to benefit from Sigortayeri.com services.

Sigortayeri.com and the User may be referred to separately as 'Party' or together as 'Parties' under this Agreement.

Article 1. Sigortayeri.com

1.1. Sigortayeri.com, which is owned by Aktif Yatırım Bankası A.Ş., is an organization that represents those who wish to conclude insurance or reinsurance contracts, acts completely impartially and independently in the selection of companies to conclude these contracts, protects the rights and interests of those who wish to obtain assurance, brings together those who wish to conclude insurance contracts with insurance companies and acts as an intermediary in insurance contracts. Sigortayeri.com carries out the preparatory work prior to the conclusion of the insurance contract and, when necessary, assists in the implementation of these agreements or the payment of compensation.

1.2. Sigortayeri.com carries out its activities under the license granted by the Republic of Turkey Prime Ministry Undersecretariat of Treasury in accordance with the provisions of the relevant legislation.

Article 2. Beneficiaries of the Service

All natural and legal persons capable of exercising civil rights can benefit from the services offered by Sigortayeri.com. Users who are under 18 years of age or who are minors, restricted or who do not have the power of appeal can only make transactions through their parents or legal representatives. Users are required to enter their real name or title, address, telephone number and valid credit card information into the system in order to obtain insurance on behalf of the Users. Within the scope of this Agreement, Users may request insurance on their own behalf but also for the benefit of others.

Article 3. Enforcement and Subject Matter of the Agreement

This Agreement shall enter into force when the User logs in to the website 'www.sigortayeri.com' and checks the box 'I have read and accept the user agreement' in the 'Become Member' step on this Site. This Agreement regulates the rights and obligations of the Parties regarding the services to be provided by Sigortayeri.com.

Article 4. Commencement of Insurance Coverage

The insurance coverage starts with the issuance of the insurance policy by Sigortayeri.com under the agreed conditions, the payment of the agreed insurance premium amount in advance and/or in installments to the credit card and becomes valid with the conditions in the special and general terms of the policy. A 'covering' (couvert) may be given by the insurance company before the policy is issued.

Article 5. Responsibilities of Sigortayeri.com

5.1. Sigortayeri.com's liability under this Agreement is limited to providing the services specified on the website and the services it agrees to provide and to provide services for the execution of the insurance contract and to assist in the payment of damage fees when necessary. The rights and responsibilities arising from the insurance policy belong to the parties of the contract in question, and Sigortayeri.com has no responsibility for their performance. Receiving service from Sigortayeri.com does not mean that Sigortayeri.com, the insurance company or the insured/insured's performance is guaranteed. Therefore, Sigortayeri.com has no responsibility for the debts in the insurance policy. Insurance coverage is provided only by insurance companies. Sigortayeri.com does not provide insurance coverage, but only mediates the agreement between the insurance companies and the insurer / insured.

5.2. The User accepts and declares that the Site is in no way responsible for the defects in the goods and services obtained from third parties by making use of the information provided by Sigortayeri.com and accepts and declares that it has already released Sigortayeri.com against any liability that may be attributed to Sigortayeri.com within the provisions of the Law No. 4077 on the Protection of Consumers and the relevant legislation.

5.3. All information on the Site regarding policy terms, guarantees, insurance premium rates and amounts are information obtained from insurance companies. In the event that insurance companies change these terms and conditions, Sigortayeri.com will not be able to make any request in this regard. Sigortayeri.com also does not guarantee that insurance companies will provide policies with the terms stated on this Site. Valid policy terms shall be the terms in the policy to be issued.

5.4. Sigortayeri.com is not obliged and responsible for investigating the accuracy of the information and content transmitted by the User or uploaded, modified or provided through the website, undertaking and guaranteeing that this information and content is safe, accurate and lawful, and cannot be held responsible for any material or moral damages that may arise due to the incorrect or incorrect information and content.

5.5. The security of the information entered on the Site is protected by the Global Sign SSL certificate. Therefore, the information provided cannot be seen by other people on the internet.

5.6. Sigortayeri.com has taken the necessary measures to protect the Site against viruses but does not provide any guarantee in this regard. The user is obliged to take the necessary measures to protect against viruses.

5.7. Sigortayeri.com and/or its employees cannot be held liable for any damages, including, but not limited to, damages, losses and expenses arising directly or indirectly as a result of any malfunction, error, deficiency, interruption, delay in transfer, computer virus, line or system failure or Force Majeure during the use of the Site, even if they have been informed of the possibility of such damage. In line with this information, Sigortayeri.com shall not be liable in any way for any errors, material or immaterial damages that may arise from the information and visual material contained in the content of this Site.

5.8. The links established on the Site do not mean that Sigortayeri.com is in a legal relationship with other persons and organizations or that Sigortayeri.com undertakes the acts and reliability of these persons and organizations, acts on their behalf or authorizes them in any matter or is responsible for their actions and transactions. Any commitment not given directly by Sigortayeri.com is not binding for Sigortayeri.com.

5.9. Sigortayeri.com does not guarantee that the information contained in this Site is complete and accurate or that uninterrupted access to the page will be provided. The statements contained on this Site shall not be considered as a legal commitment and shall not be binding. Sigortayeri.com does not give any warranty, expressly, tacitly or legally, including but not limited to warranties of non-infringement of the rights of third parties, title, merchantability, fitness for a particular purpose and/or absence of computer virus with this information.

5.10. Sigortayeri.com is completely free to accept or refuse to provide a service requested under this Agreement.

5.11. Sigortayeri.com may temporarily suspend or completely stop the services / Site within the scope of the Site when it deems necessary. Sigortayeri.com shall not have any liability to the users due to the temporary suspension or complete cessation of the services or the closure of the Site.

Article 6. Responsibilities of the User

6.1. The User is responsible for all transactions made using the account name/number and password provided to the User. The User is obliged to keep the account name/number and password given to him/her securely and not to share it with third parties in any way. The User may request Sigortayeri.com to change the account number and password when necessary.

6.2. The Site may only be used legally and in accordance with the law. By using this Site, the User undertakes to act in accordance with the law. The User is liable for actions such as making untrue statements to obtain unfair advantage, concealing existing damages and showing them as if they occurred at a later date, using false names and credit cards. Sigortayeri.com is authorized to prohibit the User from accessing the Site, to file a complaint, etc. to prevent such behavior. is authorized to take measures it deems appropriate.

6.3. Users who use the content and various services offered by using the Site may only make transactions through the Site for lawful, personal or corporate purposes. The legal and criminal liability for the transactions made by the Users on the Site belongs to them. Each User accepts, declares and undertakes that he/she will not engage in any business or action that may infringe the rights of Sigortayeri.com and/or any other third party, that he/she will not disclose any written, visual and audio information, and that Sigortayeri.com has the exclusive right to use, process, store, disclose and disclose to third parties any written, visual and audio information that he/she discloses to Sigortayeri.com.

6.4. The User accepts, declares and undertakes that he/she will provide all information requested from him/her on the Site in full and accurately.

6.5. The User is responsible for updating all information, including contact information, provided to Sigortayeri.com for the duration of his/her membership. In case of any problems arising from the information not being up to date, complete and/or accurate, all kinds of responsibility shall belong to the User.

Article 7. Intellectual Property Rights

7.1. All registered or unregistered intellectual property rights such as title, business name, trademark, patent, logo, design, information and method on this Site belong to Sigortayeri.com or the person concerned and are under the protection of national and international law. Visiting this Site or utilizing the services on this Site does not give any rights to the intellectual property rights in question.

7.2. The intellectual property and all other copyrights on the reports, specifications and all kinds of documents produced by making use of Sigortayeri.com's commercial knowledge, experience and know-how prepared in accordance with the Agreement and during the performance of this Agreement are reserved.

7.3. By sending their opinions and suggestions to Sigortayeri.com through the Site or by e-mail, Users shall be deemed to have accepted in advance that Sigortayeri.com has the right to use such opinions and suggestions as it wishes and that it will not make any claim for this reason.

7.4. Any use of the information contained on the Site, including reproduction, translation into another language, storage or processing, requires the prior written consent and approval of Sigortayeri.com. For this reason, the information contained on this Site may not be reproduced, published, copied, presented and/or transferred in any way without the written permission of Sigortayeri.com. The whole or part of the Site may not be used on any other website without permission. It is also prohibited to link to this Site without the written permission of Sigortayeri.com.

Article 8. Confidential Information

8.1. Sigortayeri.com shall not disclose to third parties the personal information transmitted electronically by Users through the Site. This information can only be accessed by Sigortayeri.com personnel and the personnel of insurance companies in order to fulfill the service requested by the User and to the extent required by the service. Personal information; It includes all kinds of other information to identify the User such as name-surname, address, telephone number, mobile phone, e-mail address and will be briefly referred to as 'Confidential Information'.

8.2. The User may provide the contact, portfolio status and demographic information (excluding health status and damage information) of Aktif Yatırım Bankası A.Ş., the owner of the Site, to its direct or indirect partners N Kolay Ödeme Kuruluşu ve Finansal Mağazacılık A.Ş., E-Kent Teknoloji ve Ödeme Sistemleri San. ve Tic. A.Ş., E-Post Elektronik Perakende Otomasyon Satış Tic. A.Ş., Asset Aktif Sportif ve Sanatsal Etkinlik Hizmetleri Tic. A.Ş., Upt Elektronik Para Transferi ve Ödeme Hizmetleri A.Ş., accepts and declares that he/she consents to the sharing of his/her consent.

8.3. Sigortayeri.com shall not disclose personal information to any company or third parties except for the cases specified in this Agreement. Sigortayeri.com may use personal information within its own organization to determine the customer profile, to offer promotions and campaigns in accordance with the customer profile and to conduct statistical studies.

8.4. Sigortayeri.com undertakes to keep Confidential Information strictly private and confidential, to regard this as a confidentiality obligation, to take the necessary measures and to exercise due diligence to ensure and maintain confidentiality, to prevent all or any part of the confidential information from entering the public domain or unauthorized use or disclosure to a third party. Although Sigortayeri.com has taken the necessary information security measures, Sigortayeri.com shall not be liable in the event that confidential information is damaged or disclosed to third parties as a result of attacks on the Site and the system. Confidential Information may be disclosed to the official authorities only if such information is duly requested by the official authorities and in cases where disclosure to the official authorities is mandatory in accordance with the provisions of the mandatory legislation in force.

8.5. The provisions of the 'Privacy Policy' shall apply to matters not covered in this Agreement regarding the confidentiality obligation.

Article 9. Force Majeure

9.1. Neither of the Parties shall be liable to the other party for any loss or damage arising out of causes beyond its control, such as natural disasters, fire, explosions, civil wars, wars, riots, popular movements, declaration of mobilization, strikes, lockouts and epidemics, infrastructure and internet failures, power outages, etc. (hereinafter collectively referred to as 'Force Majeure'.) arising directly and directly making it impossible to fulfill its contractual obligations and/or preventing the activities of the Parties under this Agreement, shall not be liable for failure or delay in the performance of its obligations under this Agreement during the continuation of such reasons.

9.2. The Party subject to Force Majeure shall promptly notify the other Party in writing of the Force Majeure, its effects and its estimated duration, and shall promptly take such actions as are necessary to eliminate the adverse effects of the Force Majeure, to perform its obligations as before and to comply with its commitments. During the Force Majeure, the rights and obligations of the Parties arising from this Agreement shall be suspended.

9.3. Due to Force Majeure, Sigortayeri.com shall not be held liable or deemed to be in default for delay, incomplete performance or non-performance, nor shall any compensation be claimed from Sigortayeri.com under any name due to these circumstances.

Article 10. Completeness and Applicability of the Agreement

10.1. The partial or total invalidity and/or unenforceability of any of the provisions of this Agreement shall not result in the invalidity of the entire Agreement.

10.2. If any of the provisions of this Agreement is invalid or illegal for legal or other reasons, this shall not affect the validity and legality of the other provisions and the other provisions shall remain in force.

Article 11. Amendments to the Agreement

11.1. Sigortayeri.com reserves the right to make changes to this Agreement and other instructions on this Site at any time. Such changes shall be valid and binding from the date of publication on this Site. It is the User's responsibility to follow the changes. Sigortayeri.com has no obligation to notify the User of any changes. The User is deemed to have accepted these changes by continuing to benefit from Sigortayeri.com services.

11.2. Sigortayeri.com may cancel or change any part of the Site at any time or limit access to some features and information on the Site or to some parts of the Site without notice.

Article 12. Waiver

The failure to exercise any right arising under this Agreement, in whole or in part, within the time limit shall not constitute a waiver of that right. Similarly, the failure or incomplete performance by one Party of any of its obligations arising out of this Agreement shall not constitute an admission of such failure by the other Party or a waiver of the performance of such obligations.

Article 13. Evidence Agreement

In all disputes that may arise for all transactions carried out in accordance with this Agreement, the Parties' books, records and documents, microfilm and computer records and fax records shall be accepted as evidence in accordance with Article 193 of the Code of Civil Procedure No. 6100.

Article 14. Dispute Resolution

Istanbul (Central) Courthouse Courts and Enforcement Offices are authorized to resolve any disputes arising from the implementation or interpretation of this Agreement.

Broker Authorization Certificate

With this Broker Authorization Certificate, I declare that I have appointed Sigortayeri Insurance and Reinsurance Brokerage Inc. as my sole authorized insurance broker in accordance with the Insurance Law No. 5684, the Insurance and Reinsurance Brokers Regulation published in the Official Gazette dated 27.05.2015 and numbered 29368 and the relevant legislation.

Within this framework, Sigortayeri Insurance and Reinsurance Brokerage Inc., representing me, to receive offers for the insurance products I have requested, to accept the offers it finds appropriate, to conclude an insurance contract, to receive the insurance policy, information form, addendum or other documents issued by the insurance company, to transfer the premiums I have paid on my behalf if the company has been authorized by the insurance company to transfer premiums, to accept the insurance premiums to be returned to me, to carry out all actions related to the implementation of insurance contracts, including cancellation and/or amendment requests for existing policies, damage notifications, to assist in the collection of insurance compensation, and to transmit all documents and information related to the insurance contract such as proposal, information form, policy, addendum, etc. to me via e-mail and/or other means of communication.

The duration of this Broker Authorization Certificate is 1 year from the date of signature. Unless otherwise specified by me, the authorization certificate shall remain valid at the end of the duration. With this Certificate of Authorization, all previous Certificates of Authorization shall expire on the same day.

PDPL Clarification Text

Pursuant to the Law No. 6698 on the Protection of Personal Data ('Law') published in the Official Gazette dated April 7, 2016 and numbered 29677, we would like to inform you as SİGORTAYERİ SİGORTA VE REASÜRANS BROKERLİĞİ A.Ş. as the data controller.

Purposes and legal reasons for processing personal data:

Our Company processes your personal data based on one or more of the following legal reasons: your explicit consent to the processing of this data, the establishment and performance of various contracts, especially insurance contracts, the fulfillment of a legal obligation of our Company, the existence of a legitimate interest of the Company in the processing of personal data, the establishment, exercise or protection of a right, or your publicizing your personal data.

Within the scope of the Law and other relevant legislation, personal data that we will obtain a limited number of personal data and personal data of special nature (refers to the race, ethnic origin, political opinion, philosophical belief, religion, sect or other beliefs, appearance and dress, association, foundation or trade union membership, health, sexual life, criminal conviction and security measures, and biometric and genetic data of persons) in accordance with the insurance legislation and all other legislation to which our Company is subject; carrying out insurance processes such as creating insurance offers, establishing insurance contracts, editing and correcting policies, making policy renewals, performing transactions regarding the implementation of insurance contracts, collecting your insurance compensation; in the event that you have also given your consent, providing you with appropriate marketing and campaign services and developing insurance products specific to you; contacting you regarding the services we offer or will offer; conducting product studies and market research and determining the target customer group, determining and recording the identity information of persons and visitors who make transactions with our Company; creating all records and documents that will be the basis for transactions in electronic or physical environment; Complying with the information retention, reporting and disclosure obligations stipulated by the legislation and official authorities; performing the information sharing permitted or required by the relevant legislation; ensuring compliance with the national or international legislation to which our Company is subject, carrying out the legal processes regarding the activities of our Company, fulfilling the obligations regarding the transactions you will carry out with our Company, conducting the necessary research and examinations regarding the products you request, T. C. Prime Ministry Undersecretariat of Treasury, courts, enforcement offices, notary offices, consumer arbitration committees, Insurance Arbitration Commission, registry of commerces, to carry out all legal processes and transactions before official authorities, to improve service quality, to evaluate customer complaints and requests.

Persons/organizations to whom personal data may be transferred: Your personal data may be transferred to insurance companies and insurance intermediaries, insurance-related services and institutions and organizations providing support and assistance services, insurance experts, legally authorized public institutions, public legal entities, official institutions and private persons, the Republic of Turkey Prime Ministry Undersecretariat of Treasury, courts, enforcement offices, notary offices, consumer arbitration committees, Insurance Arbitration Commission, official authorities including trade registry offices, persons or organizations where the relevant legislation allows or requires information sharing; our main shareholder, our direct and indirect subsidiaries, subsidiaries and affiliates of our main shareholder, program partner organizations from which we receive services or with which we cooperate in order to carry out our activities, independent audit companies, real and legal persons from whom we receive operational support in order to ensure the internal functioning of the company, Aktif Yatırım Bankası Anonim Şirketi.

Cases that do not require consent: Pursuant to Article 5 of the Law, there is the right to process personal data without obtaining explicit consent in cases where it is clearly stipulated in the law, it is necessary to process personal data belonging to the parties to the contract, provided that it is directly related to the establishment or performance of a contract, it is mandatory for our company as the data controller to fulfill its legal obligation, it has been made public by the person concerned, data processing is mandatory for the establishment, use or protection of a right, and data processing is mandatory for the legitimate interests of our company as the data controller, provided that it does not harm the fundamental rights and freedoms of the person concerned.

The method and legal reason for collecting personal data; Your personal data are obtained by fully or partially automated or non-automated means, provided that they are part of any data recording system, based on one or more of the legal reasons mentioned above. In this context, your personal data that you submit to us through our customer communication channels such as our head office, direct and indirect subsidiaries, business partners, organizations that our company receives services, our web application, kiosk devices, websites and call centers can be collected verbally, in writing or electronically.

Your Rights as a Personal Data Owner; Pursuant to Article 11 of the Law; By applying to our Company, a) to learn whether your personal data has been processed, b) to request information if your personal data has been processed, c) to learn the purpose of processing your personal data and whether they are used in accordance with their purpose, ç) to know the third parties to whom your personal data is transferred domestically / internationally, d) to request correction in case your personal data is incomplete or incorrectly processed, e) You have the right to request the deletion or destruction of your personal data within the framework of the conditions stipulated in Article 7 of the Law, f) to request notification of the transactions made in accordance with subparagraphs (d) and (e) above to third parties to whom your personal data has been transferred, g) to object to the occurrence of a result against you due to the analysis of your personal data exclusively by automated systems, ğ) to request compensation for the damage in case you suffer damage due to unlawful processing of your personal data.

Application to the Data Controller

As personal data owners, you can submit your requests regarding your rights mentioned above by filling out the 'Data Owner Application Form', which you can access from our Company's website, in accordance with paragraph 1 of Article 13 of the Law and the Communique on the Procedures and Principles of Application to the Data Controller;

You can submit your applications that you want to make in writing by attaching the necessary documents to our Company as the data controller at Esentepe Mah. Kore Şehitleri Cad. No: 8/1 Şişli/ISTANBUL address. You can make your applications you want to make via KEP(REM) to our KEP(REM) address sigortayeri@hs03.kep.tr. If you submit your requests regarding your rights to the Company by the methods mentioned above, our Company will finalize the request free of charge as soon as possible and within thirty days at the latest, depending on the nature of the request. However, if the transaction requires an additional cost, the Company will charge the fee in the tariff determined by the Personal Data Protection Authority. According to the nature of your request, information and documents that will enable identification must be provided to us completely and accurately. If the requested information and documents are not provided as required, there may be problems in the full and qualified execution of the investigations to be carried out by Sigortayeri based on your request. In this case, we declare that Sigortayeri reserves its legal rights. For this reason, your application must be sent in a complete and complete manner according to the nature of your request and must include the requested information and documents.