HAMİ SIGORTA WEBSITE TERMS OF USE

1- Hami Sigorta Acenteliği Ltd. Şti.

Hami Sigorta Acenteliği Ltd. Şti. acts as an insurance agent that intermediates insurance contracts on behalf and for the account of insurance companies, or concludes such contracts in the name of insurance companies; carries out preparatory work before the conclusion of contracts and assists in the performance of contracts and payment of indemnities. In selecting the companies with which insurance contracts will be concluded, it safeguards the rights and interests of individuals, brings together those wishing to enter into insurance contracts and insurance companies, and intermediates insurance contracts. Hami Sigorta Acenteliği Ltd. Şti. also carries out preparatory work prior to the conclusion of insurance contracts and, where necessary, assists in the performance of such agreements or the payment of indemnities.

Our company conducts its insurance activities in accordance with the relevant legislation and the licence granted by the Insurance and Private Pension Regulation and Supervision Agency.

2- Pre-Information

Any user who visits this site or requests to benefit from the services offered on this site accepts all the terms and conditions set out in this "Terms of Use". By using the hamisigorta.com website or requesting to benefit from the services offered by hamisigorta.com, the user accepts and undertakes to be bound by the terms and conditions set out in this "Terms of Use", the "Privacy Policy" provisions forming an integral part of this text, and other instructions on this site.

All natural and legal persons with capacity to exercise civil rights may benefit from the services offered by the Company. Persons under 18 or not of full age, persons under legal incapacity and those lacking capacity to exercise discretion may only transact through their parent or legal representative. To take out a policy you must enter your real name or title, address, phone number and valid credit card details into the system. You may also request insurance for yourself and for the benefit of others.

Hami Sigorta Acenteliği Ltd. Şti. reserves the right to make such changes as it deems necessary at any time to this "Terms of Use", the "Privacy Policy" and other instructions. Such changes shall be valid and binding on the user as of the date they are published on this site, without any obligation on Hami Sigorta to notify the user separately. By continuing to use hamisigorta.com services you shall be deemed to have accepted these changes.

3- Parties

This Terms of Use ("Agreement") is concluded between Hami Sigorta Acenteliği Ltd. Şti. (henceforth referred to as the "Company"), the owner of the right to use the hamisigorta.com ("Website") website, with its address at MASLAK MAH. ESKİ BÜYÜKDERE CAD. NO:7 İÇ KAPI NO:6 Sarıyer - İstanbul, and the internet user using the Website (henceforth referred to as the "User").

4- Subject Matter of the Agreement

The subject of this Agreement is the determination of the conditions under which the User may benefit from and use the Website owned by the Company. This Agreement is concluded when the User logs in to the hamisigorta.com web/mobile site or mobile application and/or clicks the button that allows the continuation of the Sign Up steps on the hamisigorta.com web/mobile site or mobile application; upon conclusion of this Agreement, the User/Member shall have authorised Hami Sigorta Acenteliği Ltd. Şti. to act as authorised insurance agent on their behalf before insurance companies. This Agreement also regulates the rights and obligations of the parties regarding the insurance agency services to be provided by the Company.

5- Rights and Obligations of the User

5.1 The User accepts and undertakes to comply with all applicable legislation when using the Website and not to breach such provisions; and that they are solely and exclusively responsible for all legal and criminal liability arising otherwise.

5.2 The User may not engage in any activity or conduct on the Website that prevents or hinders others from using the services (spam, viruses, etc.).

5.3 The User may not use the Website in any way that is disruptive to public order, contrary to public morals, disturbing or harassing to others, that infringes the intellectual property rights of others, or for any unlawful purpose.

5.4 The User declares and undertakes that the personal and other information they provide when using the Website is accurate and that they will compensate the Company for all damages suffered by the Company due to such information being inaccurate.

5.5 The Company shall not be held liable for damage to software and data arising from unauthorised access to User data. The User has accepted in advance that they will not claim compensation from the Company for any damage they may suffer due to the use of the Website.

5.6 The User has accepted that they will not access or use other internet users' information and software without authorisation. Otherwise, any legal and criminal liability arising therefrom shall rest entirely with the user.

5.7 Measures have been taken within available means to keep the Company website free of viruses and similar malicious software. However, the user must provide their own virus protection system and ensure the necessary protection for security to be fully achieved. In this context, by entering the Website, the user shall be deemed to have accepted that they are responsible for any errors that may occur in their own software and operating systems and for the direct or indirect consequences thereof.

5.8 The user is responsible for all transactions carried out using the account name/number and password given to them. The user therefore accepts and undertakes that they have an obligation to keep the said account name/number and password secure and not to share them with third parties, that they will request the Company to change the account name/number and password when necessary, and that the Company shall have no liability for any damage arising otherwise.

5.9 The User accepts, declares and undertakes that they will not make false declarations for unfair gain, that they will not seek to obtain benefit by concealing existing claims, and that they will not engage in conduct giving rise to criminal liability such as using false names and credit cards. In such cases the Company is authorised to take such measures as it deems appropriate at any time without any liability, including suspending or terminating the user's/member's membership, deleting all data, documents and files belonging to the user, banning access to the sites, and filing complaints.

5.10 Users and members who use the content and various services offered through the Company website and mobile site may only transact on the site for lawful, personal or corporate purposes. Users are responsible for the legal and criminal liability of transactions they carry out on the site.

The User accepts and undertakes that they will not engage in any act or action that would constitute an infringement of the rights of the Company and/or any other third party, that they will not disclose written, visual or audio information, and that if they do disclose such information, the Company shall have no legal or criminal liability for the use, processing, storage, disclosure and sharing of such written, visual or audio information by the Company with third parties.

6- Rights and Obligations of the Company

6.1 For the improvement and development of the Website and/or within the framework of legislation, certain information such as the name of the Internet service provider used to access the site, Internet Protocol (IP) address, date and time of access to the site, pages accessed while on the site and the Internet address of the website that provides direct connection to the site may be collected, processed and used for lawful purposes by the Company.

6.2 The Company has the right to change the content, design and software of the site at any time, to change, suspend or terminate any service provided to users, and to delete user information and data registered on the website at any time.

6.3 The Company may at any time update, change or revoke the conditions of this Agreement without any need for prior notice and/or warning. Every provision that is updated, changed or revoked shall apply to all users as of the date of publication.

6.4 The Company's liability is limited to the provision of the services it has undertaken to provide on the site for the conclusion of insurance contracts and, where necessary, assistance in the payment of claim amounts. The rights and responsibilities arising from the insurance policy belong to the parties to the said contract and the Company has no liability in their performance.

Any changes to be made to policy terms and prices, claim payments and all matters relating to the application of the policy are under the responsibility of the relevant Insurance Company within the framework of the laws and regulations to which Insurance Companies are subject.

6.5 The Company is not obliged or responsible to investigate the accuracy of the information and content transmitted to it by the User or uploaded, modified or provided by them via the Site or Mobile Site, or to guarantee that such information and content is secure, accurate and lawful. The Company cannot be held liable for any damage arising from such information and content being incorrect or erroneous.

6.6 The fact that services have been received from the Company does not mean that the Company guarantees the performance of the insurance company or the policyholder/insured. The Company therefore has no liability for the obligations under the insurance policy. Insurance coverage is only provided by insurance companies. The Company does not provide insurance coverage and only intermediates the conclusion of agreements between insurance companies and the policyholder/insured.

6.7 Credit card information requested on the policy premium collection page is in no way stored on Company servers in order to keep the security of customers shopping on the site at the highest level. In this way, all payment-related transactions are carried out between the insurance company, the bank and the user's computer through the hamisigorta.com web/mobile site or mobile application interface.

6.8 All information on our site regarding policy terms, coverage, premium rates and amounts is information received from insurance companies. If insurance companies change these terms, no request may be made to the Company in this regard. The Company does not guarantee that insurance companies will provide coverage with the terms on this site. The valid policy terms will be the terms set out in the policy to be issued.

6.9 The "links" on the Company's web/mobile site do not mean that the Company has a legal relationship with other persons and organisations, or that it guarantees their performance or reliability, acts on their behalf, authorises them in any matter or is responsible for their actions and operations. No performance not directly undertaken by the Company is binding on the Company.

6.10 All information and documents on this website and mobile site are presented by the Company for information purposes only and their accuracy and content are not guaranteed by the Company. The Company cannot therefore be held liable for any direct and/or indirect material or moral damage and expenses arising from transactions based on this information and documents, or for damage that may be suffered by third parties.

6.11 The Company and/or its employees cannot be held liable for any damage, including but not limited to malfunction, error, defect, interruption, delay in transmission, computer virus, line or system failure or damage, loss and expenses arising directly or indirectly from force majeure during the use of this website and mobile site. Accordingly, the Company is in no way responsible for errors or material or moral damage that may arise from the information and visual material on this site.

7- Privacy and Use of Personal Data

7.1 The Company will process and transfer the personal information transmitted to it by users in electronic form via the hamisigorta.com web/mobile site or mobile application within the framework of the Personal Data Protection Law and the Clarification Text accessible from the hamisigorta.com website, and will not disclose such data to third parties except as permitted under the personal data legislation. Such information may only be accessed by Company personnel, insurance company personnel and business partners to the extent necessary for the operation, for the purpose of fulfilling the service requested by the User/Member and to the extent required by the service.

Personal information includes any other information that identifies the user, such as name and surname, national ID number, address, phone number, mobile phone and e-mail address, and will hereinafter be referred to as "Confidential Information".

The Company will not disclose personal information to any company or third parties except in the cases defined in this User Agreement. The Company may use personal information within its organisation to determine customer profile, present promotions and campaigns appropriate to the customer profile, conduct statistical studies and for other purposes specified in the Clarification Text.

Despite the Company taking the necessary information security measures, the Company shall have no liability if confidential information is damaged or falls into the hands of third parties as a result of attacks on the hamisigorta.com web/mobile site or mobile application and system.

7.2 The Company may obtain information about users/members and their use of the hamisigorta.com web/mobile site or mobile application through a technical communication file. However, users may change their browser settings so that the technical communication file is not received or a warning is given when the technical communication file is sent.

7.3 The Company has the right to send messages to users/members who receive services on the hamisigorta.com web/mobile site or mobile application via our number 0850 305 73 86, by letter, e-mail, SMS, phone call and similar means for announcements, campaigns, special discounts and other marketing purposes, via the fixed and mobile phone lines, fixed addresses, e-mail address and other contact details that they have stated when receiving the service and/or registering for membership or that they have subsequently updated by logging in as a member, subject to their having given consent during the transaction.

Such messages may include information about the product or products you have purchased, other products we think may interest you, and advertisements arising from our collaborations with third parties.

The content and record information (time of sending, medium of sending, address/number of sending) of all messages to be sent to the user/member will be stored by the Company for submission to the relevant institutions and organisations when necessary and/or upon request.

7.4 If the user withdraws their consent for the Company to communicate with them for marketing purposes on the website and/or by phone; they may easily unsubscribe from the e-mail mailing list by clicking the "Click here if you do not wish to receive our newsletters" link in the e-mails sent, by sending an e-mail to info@hamisigorta.com.tr or by calling our line 0850 305 73 86; they may also state that they do not wish to receive the SMS messages we send from time to time to inform them about our services or to be called by phone by sending an e-mail to info@hamisigorta.com.tr or by calling our line 0850 305 73 86. Persons who log in as members can also make these updates themselves from the membership information page. Any user/member can at any time restore their contact information to "I want to receive messages" status using the above methods. User/member information will be stored until such date as the Company may determine in the future due to needs and/or technical requirements.

7.5 Customer information may be disclosed to the relevant authorities where such information is duly requested by the competent authorities and where the Company is obliged to make disclosure to the competent authorities under the provisions of mandatory legislation in force.

7.6 The User/Member accepts, declares and undertakes that their necessary information will be shared with the relevant persons and institutions if they participate in any campaign and draw to be conducted by the Company through its web and mobile sites and applications.

8- Intellectual Property Rights

8.1 All intellectual property rights, whether registered or unregistered, such as title, trade name, trademark, patent, logo, design, information and method on this website and mobile site belong to the Company or the relevant person indicated and are protected by national and international law. Visiting this website and mobile site or benefiting from the services on this site does not grant any rights in respect of such intellectual property rights. The User/Member accepts, declares and undertakes not to infringe the said intellectual property rights by visiting or using the Company sites.

8.2 The prior written permission and approval of the Company is required for the use of the information on the site in any way, including reproduction, translation into another language, storage or processing. Therefore, the information on this website and mobile site may not in any way be reproduced, published, copied, presented and/or transmitted without the written permission of the Company. The whole or any part of the sites may not be used on another website without permission. It is also prohibited to link to this website without the written permission of the Company.

9- Commencement of Insurance Coverage

Insurance coverage begins when the insurance policy is issued by the relevant insurance company under the agreed conditions and the premium amount agreed to be paid in advance is paid, and is valid in accordance with the conditions in the special and general policy terms. A "cover" (couvert) may be given by the insurance company before the policy is issued.

10- Term and Termination of the Agreement

10.1 This Agreement shall remain in force until the MEMBER cancels their membership or their membership is cancelled by the Company.

10.2 Either party may at any time terminate this Agreement by unilateral notice to the other party.

11- Resolution of Disputes

In the event of a dispute arising from the services to be received by users through any communication channel of the Company, Turkish law shall apply and Istanbul (central) courts and enforcement offices shall have jurisdiction.

12- Entry into Force

This Agreement has been concluded and entered into force upon the user's/member's declaration that they have read and accepted the agreement provisions.