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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.

PDPL Clarification Text

In accordance with the Personal Data Protection Law No. 6698 (“Law”), published in the Official Gazette No. 29677 dated April 7, 2016, we, as the data controller, SİGORTAYERİ INSURANCE AND REINSURANCE BROKERAGE INC. (“Our Company”), would like to inform you.

Your Personal Data We Process, the Purposes of Processing, and the Legal Grounds:

Identity Data
Your identity data, such as your first name, last name, Turkish ID number, place and date of birth, and identity document information, are processed by our Company; for the purposes of verifying your identity, conducting operations in compliance with the law, managing processes related to the provision of products and services, establishing and managing contractual relationships, and ensuring the security of company operations. This processing is based on the legal grounds that such processing is necessary for the direct establishment or performance of a contract, to enable the data controller to fulfill its legal obligations, and as explicitly provided for in relevant legislation (Law Art. 5/2-c, Art. 5/2-ç, and Art. 5/2-a).

Contact Information
Your contact information, such as phone number, email address, and residential address, is processed for the purposes of conducting communication activities, maintaining customer relationship management processes, receiving and resolving requests and complaints, conducting operations related to service provision, and managing contractual processes; are processed based on the legal grounds that they are necessary for the establishment or performance of the contract, to enable the data controller to fulfill its legal obligations, and as explicitly provided by law (Law Art. 5/2-c, Art. 5/2-ç, and Art. 5/2-a).

Financial Data
Your bank account information, payment and collection information, and similar financial data are processed based on the legal grounds that such processing is necessary for the establishment or performance of the contract—specifically for the execution of payment transactions, the fulfillment of financial obligations under the contract, the maintenance of financial records, the conduct of indemnification and payment processes, and the conduct of operations in compliance with the law—as well as to enable the data controller to fulfill its legal obligations (Law Art. 5/2-c and Art. 5/2-ç).

Customer Transaction and Request Information
Your data regarding the content of requests, complaints, and applications, as well as transaction records, is processed based on the legal grounds that it is necessary for the establishment or performance of the contract, as it is directly related to the evaluation of customer requests, improving service quality, conducting and monitoring business operations, and managing processes aimed at customer satisfaction (Law Art. 5/2-c).

Health Data (Special Category Personal Data)
Your health data, such as medical history, diagnosis, and treatment information, which may be necessary within the scope of providing insurance services; is processed based on the legal grounds that it is explicitly provided for by law, or that it is necessary for the establishment, exercise, or protection of a right, for the purposes of conducting risk assessments, providing insurance services, executing contract processes, and fulfilling obligations arising from legislation (Law Art. 6/3-b and Art. 6/3-d).

Personal Data Processed in the Context of Marketing Activities
First name, last name, mobile phone number, email address, product and service usage information, transaction history information, campaign participation information, customer preference and interest area information, and customer group information; for the purposes of conducting promotional activities related to products and services; planning campaigns and marketing processes; developing customer loyalty programs; offering personalized offers and benefits; and conducting evaluations based on customer behavior. Processed based on the legal ground of the data subject’s explicit consent (Law Art. 5/1).

Entities to which personal data may be transferred: Your personal data may be transferred to insurance companies and insurance intermediaries, institutions and organizations providing insurance-related services, support, and outsourced services, insurance experts, legally authorized public institutions, public legal entities, official bodies, and private individuals, the Insurance and Private Pension Regulation and Supervision Authority, courts, enforcement offices, consumer arbitration boards, the Insurance Arbitration Commission, and any individuals, institutions, or organizations to whom information sharing is permitted or required by applicable legislation; our parent company, our direct and indirect subsidiaries, the subsidiaries and affiliated companies of our parent company, program partner organizations with which we collaborate or from which we receive services to conduct our operations, independent audit firms, and natural and legal persons from whom we receive operational support to ensure the company’s internal operations, as well as Aktif Yatırım Bankası A.Ş.

Method of collection and legal basis for personal data; Your personal data is collected based on one or more of the legal grounds specified above, either through fully or partially automated means or through non-automated methods provided they form part of a data recording system. In this context, the personal data you provide to us through our customer communication channels—such as our headquarters, direct and indirect subsidiaries, business partners, service providers, web applications, kiosk devices, websites, and call centers—may be collected verbally, in writing, or electronically.

Your Rights as a Data Subject; Pursuant to Article 11 of the Law; by applying to our Company, you have the right to: a) learn whether your personal data is being processed, b) request information if your personal data has been processed, c) learn the purpose of processing your personal data and whether it is being used in accordance with that purpose, d) learn the third parties to whom your personal data has been transferred within or outside the country, d) to request the correction of your personal data if it has been processed incompletely or incorrectly, e) to request the erasure or destruction of your personal data under the conditions set forth in Article 7 of the Law, f) to request that the actions taken pursuant to subparagraphs (d) and (e) above be notified to the third parties to whom your personal data has been transferred, g) to object to a decision made solely through automated processing of your personal data that adversely affects you, h) to request compensation for any damage you may have suffered due to the unlawful processing of your personal data.

Application to the Data Controller

As data subjects, you may submit requests regarding the rights outlined above in accordance with Article 13(1) of the Law and the Regulation on the Procedures and Principles for Applications to the Data Controller, by filling out the “Data Subject Application Form” available on our Company’s website at https://www.sigortayeri.com/sayfa/kvkk-aydinlatma-metni;

For written requests, you may submit them to our Company’s address as the data controller: Esentepe Mah. Kore Şehitleri Cad. No: 8/1 Şişli/ISTANBUL, along with the necessary documents. You may submit requests via KEP to our KEP address: sigortayeri@hs03.kep.tr. If you submit requests regarding your rights to the Company using the methods outlined above, our Company will process the request free of charge within the shortest possible time and no later than thirty days, depending on the nature of the request. However, if the process incurs additional costs, the Company will charge the fee set by the Personal Data Protection Authority. Depending on the nature of your request, you must provide us with complete and accurate information and documents that enable identity verification. If the requested information and documents are not provided as required, there may be delays in conducting a thorough and proper investigation regarding your request by Sigortayeri. In such a case, we hereby declare that Sigortayeri reserves its legal rights. Therefore, your application must be submitted in a manner that is complete and includes all the required information and documents, depending on the nature of your request.