Terms of Use
This English text is a courtesy translation. The Turkish original is the legally binding version and prevails in case of any difference.
These terms govern the use of the website, web app and mobile apps (the “Service”) provided by [Company name] (“Harcama Atlası”, “we”). By creating an account or using the Service, you accept these terms.
1. The Service
Harcama Atlası is a personal finance app offering expense and income tracking, statement import, budgeting, debt and payment planning, asset tracking, the Financial Map test, future scenarios and a personal finance coach. Features vary by plan; the current list is on the Pricing page.
2. Not investment advice
Calculations, freedom year estimates, scenarios, market prices and the coach’s replies in the Service are for general information only; they are not investment advice or personal investment recommendations under Turkish Capital Markets Law No. 6362. Prices may be delayed. You are responsible for your financial decisions.
3. Account
- You must be at least 13 to open an account and at least 18 to buy a paid subscription.
- You are responsible for the accuracy of the information you provide and for keeping your password confidential.
- You can delete your account at any time in the app under Settings > Delete data.
4. Rules of use
You may not use the Service to:
- add unlawful content or infringe the rights of others,
- attempt to access other people’s accounts or data without permission,
- disrupt the security or operation of the Service, or create excessive load with automated tools,
- add personal data to shared groups without members’ consent.
If these rules are breached we may suspend or close the account.
5. Shared groups
Expenses you add to a shared group are visible to the group’s members. Expense splitting calculations are a convenience; making payments between members and their accuracy are the members’ own responsibility.
6. Paid plans
Plus and Plus+ are offered as monthly or yearly subscriptions and renew automatically each period until cancelled. Sales on the web are subject to theDistance Sales Agreement, and cancellations and refunds to the Cancellation and Refundsterms. For purchases in mobile app stores, the relevant store’s terms also apply.
7. Intellectual property
The software, design, brand and content of the Service belong to us. You are granted a non-transferable, non-exclusive right to use the Service for personal purposes. The records you enter belong to you.
8. Continuity of the Service
We try to provide the Service without interruption, but there may be outages due to maintenance, updates or service providers. We may improve or change features; if we remove a paid feature, we will inform subscribers in advance.
9. Limitation of liability
To the extent permitted by law, we are not liable for indirect damages arising from financial decisions made in reliance on the Service, incorrect reading of imported data, or errors in third-party price sources. This does not limit consumers’ statutory rights or liability for intent or gross negligence.
10. Changes
We may update these terms. We will announce significant changes by email or in-app notification before they take effect.
11. Governing law and contact
These terms are governed by the laws of the Republic of Türkiye. Consumers may apply to the consumer arbitration committees or consumer courts of their place of residence under Law No. 6502. Contact: [Email], [Address].