Thank you for visiting the website (“Website”) of SBM Elektronik Para ve Ödeme Kuruluşu A.Ş.(“SBM”). The owner of this Website is SBM Elektronik Para ve Ödeme Kuruluşu A.Ş., and all rights of organization, use, and disposition over the Website belong to SBM. Before using this Website, please carefully read the terms of use set forth below regarding the information, materials, products, and services available on the Website. The terms of use specified below (“Terms of Use”) govern your access to and use of this Website. Any natural or legal person who accesses or uses this Website and benefits from the services offered on the Website (“User”) shall be deemed to have unconditionally, irrevocably, and without reservation accepted these Terms of Use.

Amendment of the Terms of Use

SBM reserves the right to update, delete, improve, or add to the Terms of Use from time to time, without providing any reason and without prior or subsequent notice, as well as the right to transfer the materials available on the Website. Updated versions shall be published on the SBM Website and shall enter into force as of the publication date. The User is obliged to regularly check whether the Terms of Use have been updated or amended while using the SBM Website.

User Eligibility

The Website is provided by SBM and may only be used by natural and legal persons who have the legal capacity to enter into binding contract(s) under applicable legislation. By using the Website, the User represents and warrants that they are of legal age and have the legal right and authority to enter into binding agreements, including but not limited to these Terms of Use, and to use the Website in compliance with these Terms of Use. If these conditions are not met, the User shall not be permitted to use the Website.

Scope of the Terms of Use

This Website is provided by SBM, which operates as a payment institution offering payment services such as bill payments and domestic and international money transfers within the scope of Law No. 6493 on Payment and Securities Settlement Systems, Payment Services, and Electronic Money Institutions and the relevant legislation, for the purpose of enabling the User to benefit from such services. The User may use the Website solely in accordance with these Terms of Use and for the legally permitted purposes described above.

Limitations on Use

By benefiting from the services offered on this Website, the User unconditionally and irrevocably agrees to the following limitations in particular:

• The Website may not be used in a manner that violates the proprietary rights of third parties.
• No device, mechanism, software, or other command sequences that may prevent or damage the operation of the Website may be used.
• Viruses, trojans, worms, time bombs, or other harmful programs may not be uploaded to the Website or any system.
• Content created by SBM may not be blocked, altered, or restricted.
• Information on the Website may not be copied, distributed, or reproduced for commercial purposes.
• Unauthorized access to SBM’s networks may not be obtained or attempted.
• Unauthorized transactions using credit card or bank information belonging to others may not be carried out.
• False or misleading information may not be placed on the Website.

License and Intellectual Property Rights

Unless expressly authorized under these Terms of Use or without the prior written consent of SBM, content on the Website that is subject to SBM’s intellectual property rights may not be copied, reproduced, modified, rented, displayed, or sold in any manner whatsoever. SBM does not grant the User any intellectual property rights.

Termination

SBM, at its sole discretion, may terminate or suspend the User’s access to the Website, payment services, or other services at any time. The User must cease using the Website and destroy any copies of the content. SBM shall not be held liable for any damages arising from such termination or suspension.

Indemnification

The User agrees to indemnify SBM against all damages arising from the use of the Website. SBM shall not be held liable for any direct or indirect damages that may arise from the use of the Website.

Governing Law and Jurisdiction

These Terms of Use are governed by the laws of the Republic of Türkiye, and the Istanbul Central Courts shall have jurisdiction. In the event of any inconsistency between versions in languages other than Turkish, the Turkish version shall prevail.

Severability

If any provision is deemed invalid, the remaining provisions shall remain in full force and effect.

Advice, Comments, and Feedback

Feedback submitted to SBM shall not be deemed confidential. SBM reserves the right to use such information in any manner. The User acknowledges that SBM may share information with legal authorities.