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v1.0 · Last updated: April 2026

TERMS OF USE AND LEGAL DISCLAIMER

TERMS OF USE AND LEGAL DISCLAIMER (Draft)

Version 1.0 | Okay & Co. Credit Card Tracker — Okan Okay & Co

Please read the following terms carefully before using this application.

1. Purpose of the Application
This application is an interface developed to help users track their personal credit card spending, loan installments, and overdraft (KMH) balances. The application does not have the authority to perform direct banking or financial transactions.

2. Not Investment Advice
No data, calculation, chart, simulation, or projection provided within the application constitutes investment advice, financial consultancy, or commercial guidance. All tools provided are purely for informational purposes.

3. Accuracy and Currency Disclaimer
Interest rates, minimum payment rates, and legal parameters used in the simulator and other modules may change over time. The application does not guarantee 100% real-time accuracy of the provided data. It is the user's responsibility to verify current rates with the relevant bank before any financial transaction.

4. Data Privacy and Local Storage
Your personal financial data is not transferred to any external server, recorded, or shared with third parties. All your data is stored only in the browser memory (Local Storage) of the device you use, without encryption. The developer cannot be held responsible for data losses due to device loss, malfunction, or browser cache clearing. Ensuring data security is the user's own obligation.

5. Limitation of Liability
The application and its developer accept no legal or criminal liability for any damages arising from the use of the application, incomplete or erroneous data entry, or calculation discrepancies, including missed or delayed payments, bank penalties, credit score drops, or any direct/indirect material and moral damages.

By starting to use the application, you are deemed to have irrevocably read, understood, and declared that all legal/financial responsibility belongs entirely to you.

6. No Guarantee of Uninterrupted Service
The application may become temporarily unavailable due to maintenance, updates, infrastructure issues, or force majeure. The user accepts that they do not expect the application to work 100% uninterruptedly at all times. The developer cannot be held liable for any compensation in the event of a technical malfunction or data loss.

7. Intellectual Property Rights
The entire design, source code, logos, algorithms, and visual interface of the Okay & Co. Credit Card Tracker application are the property of Okan Okay & Co. Users may not reverse engineer, copy, or use the application commercially without permission.

8. Right to Change Terms and Services
The developer reserves the right to unilaterally change, suspend, or completely terminate the features within the application, subscription tiers, pricing policies, or these Terms of Use without prior notice. By continuing to use the application, the user is deemed to have accepted the current terms.

9. Dispute Resolution and Jurisdiction
Okan Okay & Co is headquartered in Sharjah (UAE). Any legal differences or disputes arising between the user and the company shall be governed by the applicable laws of the UAE, and subject to the exclusive jurisdiction of the courts of Sharjah.

10. As-Is Presentation and Warranty Disclaimer (As-Is Basis / No Warranty)
The application is provided to users "AS IS" (as-is) and "AS AVAILABLE" (as-available). The developer makes no express or implied warranty regarding merchantability, fitness for a particular purpose, or error-free operation.

11. Age Restriction and Legal Capacity
The person using this application acknowledges and declares that they are of legal age (generally 18 years or older) according to the laws of their country of residence and have the capacity to enter into a binding legal contract.

12. Outside the Scope of Tax and Legal Consultancy (Not Tax/Legal Advice)
The application does not provide any advice or services on tax, accounting, or legal matters. Users should consult their own expert advisors for official declarations.

13. User-Provided Data and Exchange Rates
Exchange rates, card limits, and all financial metrics within the application are entered manually by the user. The user is entirely responsible for the accuracy of this data.

14. User Indemnification (Indemnification)
The user agrees to indemnify the developer from all claims resulting from damages that third parties may suffer as a result of the user using the application in violation of the Terms of Use.

15. Severability
If any provision of this agreement is declared invalid by a competent court, all remaining provisions shall continue in full force and effect.

16. Subscriptions and Refund Policy
Premium features within the application are offered through in-app purchases. All payment transactions and refunds are managed directly through the platform provider (Apple App Store or Google Play Store).

17. Platform Provider Disclaimer
Apple Inc. and Google LLC are not sponsors or legal parties of this application in any way. Only the developer is responsible for the content of the application.

18. Acceptable Use
The user agrees to use the application in compliance with laws related to money laundering, terrorism financing, or other illegal activities.

19. Device Security and Unauthorized Access
Since data is stored locally, the developer is not responsible for data leaks that may occur as a result of unauthorized persons accessing the user's device.

20. Language and Translation Inconsistencies (Language Precedence)
These Terms of Use may be translated into multiple languages. In the event of any discrepancy in meaning between translations, the original Turkish text shall be considered valid and binding.

21. Assignment of Agreement and Rights
Okan Okay & Co may transfer the rights arising from this agreement to a third party or institution. The user may not transfer their rights under the agreement to anyone else.

22. Affiliate Links and External Links
The application may contain links to third-party banks. The user is entirely responsible for transactions made through these links.

23. Protection of Rights
The developer's failure to immediately enforce any right does not mean they have waived that right.

24. Force Majeure
The developer cannot be held responsible for any interruption to the application due to natural disasters, war, cyber attacks, or any event beyond the developer's control.

25. Class Action Waiver
The user accepts that in any legal dispute against the developer, they may only assert claims in their individual capacity.

26. Statute of Limitations
Any legal claim arising from the use of the application must be filed within 1 (one) year from the date of the event causing the dispute.

27. Ownership of Feedback and Ideas
Any feedback and suggestions provided by the user are deemed to belong to the developer.

28. Sanctions and Export Compliance
The user guarantees that they do not reside in a country subject to international sanctions and are not on any prohibited persons list.

29. Termination of Access
The developer reserves the right to terminate the user's access to the application without prior notice if they determine the user has violated the rules in the agreement.

30. No Third-Party Beneficiaries
These Terms of Use create a legal bond only between the user and the developer.

31. Entire Agreement
These Terms of Use constitute the entirety of the agreement between the user and the developer.

32. Survival of Terms
Even if the user deletes the application from their device, the Intellectual Property Rights, Limitation of Liability, and Indemnification provisions shall continue to remain in force.

33. No Fiduciary Relationship
Using the application does not create any partnership or fiduciary relationship between the user and the developer.

34. Electronic Communications and Notification Consent
By digitally accepting these Terms of Use, the user accepts that they have created a legally binding contract without the need for a physical signature.

35. Open Source Libraries
This application may contain open-source software components belonging to third parties. These components are subject to their own license terms.

36. Irrevocable Data Loss
If the application is removed from the device, data will be permanently and irreversibly deleted. It is technically impossible for the developer to recover this data.

37. Subscription Downgrade and Locked Cards
If the user moves from a higher package to the free package, data exceeding the free plan limits will be automatically locked. The developer cannot be held responsible for late fees arising from locked data.

38. Push Notification Disclaimer
Reminder notifications sent by the application may be delayed or may not arrive due to operating system restrictions. The developer cannot be held responsible for financial damages arising from this.

39. Digital Inheritance (User's Death)
In the event of the user's death, the developer has no obligation to crack device passwords or transfer data to heirs.

40. Jailbroken and Rooted Devices
The user agrees not to use the application on devices that exceed security standards. The developer is not responsible for data leaks on such devices.

41. Rounding and Cent Discrepancies
Cent-level discrepancies that may occur between the amounts provided by the application and bank statements cannot be considered an error of the application.

42. Import/Export Data Errors
The developer cannot be held responsible for data corruption that may occur as a result of the user manually modifying or corrupting a backup file.

43. Third-Party Keyboards and Screen Monitoring
The developer does not provide a guarantee of protection against financial data being copied by third-party keyboard applications or screen recording software.

44. Beta and Experimental Features
The user acknowledges in advance that Beta or Early Access features may work unstably and may cause data loss.

45. AI and Automation Hallucinations
All risks of financial decisions made based on predictions provided by AI belong to the user.

46. Phishing and Impersonation Applications
The developer cannot be held responsible for damages arising from the use of imitation applications loaded from unofficial channels.

47. Hardware Compatibility and Operating System Updates
Temporary instabilities that may occur in the application after operating system updates are beyond the developer's control.

48. Anonymous Usage Analytics
The application never collects your personal financial data. However, completely anonymized usage statistics may be collected.

49. Labeling and Naming Responsibility
The user is entirely responsible for the names they give to their cards and spending items.

50. Regional Restrictions and Local Laws
The developer reserves the right to restrict the use of the application in a specific geographic region.

51. Support and Intervention Limits
The developer does not have the ability to remotely access the user's screen or correct data.

52. Time Zone and Date Synchronization
The developer cannot be held responsible for discrepancies in account closing dates if the device clock is manually manipulated.

53. Corporate Devices and MDM Policies
The developer is not responsible for data losses on corporate devices monitored by MDM software.

54. Feature Sunsetting
The developer has the right to completely remove a specific feature from service. Users cannot claim compensation in this case.

55. Zero-Day Vulnerabilities
Data leaks arising from undiscovered security vulnerabilities in operating systems cannot be attributed to the developer.

56. Pricing and Renewal Changes
Premium subscription fees may be changed by the developer. The current pricing schedule applies at the time of renewal.

57. Independence from Financial Authorities
This application has not been supervised, licensed, or approved by TCMB, BDDK, CBUAE, or any international financial authority.

58. Offline Usage Limits
Calculation errors resulting from delayed data during offline use are entirely the user's risk.

59. No Scraping or Bots
Automatic data scraping or bot use from the application interface is strictly prohibited.

60. Legal Succession
If the legal structure of Okan Okay & Co changes, these Terms of Use will continue to be valid for the new legal entity.

61. Cumulative Liability Cap
The developer's maximum indemnification obligation cannot exceed the total subscription fee paid by the user in the last 12 months. This limit is zero for free version users.

62. Device Resale and Data Transfer
If the device is sold to a third party, the responsibility for deleting the data on the device belongs to the user.

63. Forward-Looking Financial Projections
Future debt burdens and interest projections provided by simulators are entirely hypothetical.

64. App Store Third-Party Beneficiary Rights
Apple Inc. and Google LLC are third-party beneficiaries with the authority to enforce these Terms of Use directly against the user on their own behalf.

65. Shoulder Surfing and Physical Privacy
The developer is not responsible for information being disclosed as a result of third parties physically observing the device screen.

66. Chargebacks and Friendly Fraud
If a malicious chargeback notification is made, the developer reserves the right to permanently lock the user's account access.

67. Network and Carrier Charges
The user is responsible for data overage charges that may be imposed by mobile operators during internet use.

68. Hardware Wear and Energy Consumption
Heating or battery consumption that may occur in the device during the operation of the application is considered normal.

69. Cryptocurrency and High Volatility
Balance discrepancies arising from instant exchange rate changes in cryptocurrency calculations cannot be considered an error of the application.

70. Accessibility Limitations
The application does not guarantee 100% compatibility with screen readers or accessibility standards.

71. OS Automatic Storage Management
The developer cannot be held responsible for data losses that occur when the operating system deletes local storage data without notice.

72. Personal Use Only
The application is designed for personal use only. Use for company accounting or commercial purposes is strictly prohibited.

73. Legal Invalidity of Screenshots
Screenshots taken from within the application cannot be used as an official document or proof of payment.

74. Malware and Keyloggers on Device
The developer is not responsible in the event that keyloggers or spyware installed on the device copies financial data.

75. System Clock and Date Manipulation
The developer cannot be held responsible for the corruption of installment dates and interest calculations if the device clock is manually changed.

76. Notification Delivery Failure Disclaimer
Notifications may not be sent at all or may be delivered late for any reason. The developer cannot be held responsible for this.

77. Software Latency and Processing Times
The developer is not responsible for the loss of data that could not be saved due to delays during data entry.

78. Name and Brand Similarity Complaints
Bank names defined by users within the application are for personal reference only and there is no commercial connection with the relevant brands.

79. In-App Log Files and Error Records
The security of data in crash logs sent by the user to the support unit depends on the security of the channel through which they are transmitted.

80. Justified Termination and User Blocking
The developer has the right to terminate the license of users who damage the image of the application without providing justification.

81. Screen Protectors and Software Filters
The developer is not responsible for financial errors arising from incorrect reading of numbers due to third-party screen dimming software.

82. System Font and Scaling Errors
Errors arising from incorrect display of numbers due to use of excessively large font size are the user's responsibility.

83. Browser and Storage Quota Limits
The developer is exempt from data losses resulting from the browser imposing a storage quota or deleting data.

84. Biometric Security Errors
The developer cannot be held responsible in the event that unauthorized access is granted due to hardware deficiencies of biometric systems.

85. Data Migration and Backup Incompatibility
The developer is not responsible for the operating system incompletely transferring data during device-to-device data migration.

86. External Keyboards and Bluetooth Hardware
The developer cannot be held responsible for incorrect data entries resulting from hardware errors of Bluetooth keyboards.

87. Wrong Unit and Symbol Disputes
Value losses resulting from the user entering data with the wrong currency selection are outside the developer's scope of responsibility.

88. In-App Search and Filtering Illusions
Damages that may arise when search functions temporarily fail to list some records cannot be attributed to the developer.

89. Opportunity Costs and Indirect Losses
Opportunity cost losses that the user claims to have suffered as a result of the application giving errors cannot be claimed as compensation.

90. Software Memory Leaks
The developer is not responsible for the loss of data that could not be saved as a result of memory leaks that may occur due to the application being open for a long time.

91. Jurisdiction Conflicts and Choice of Law
Okan Okay & Co is headquartered in Sharjah (UAE). Any legal differences or disputes arising between the user and the company shall be governed by the applicable laws of the UAE, and subject to the exclusive jurisdiction of the courts of Sharjah.

92. Browser Extensions and Ad Blockers
The developer cannot be held responsible for errors resulting from browser extensions disrupting the application's interface or blocking data saving scripts.

93. Public Wi-Fi and Unsecured Networks
Data security risks that may occur during the use of the application on unencrypted public networks are entirely the user's responsibility.

94. "Lifetime" Access Definition
Lifetime access packages are limited by the commercial life of the application, not the user's lifetime.

95. Psychological Impact and Financial Anxiety
The developer is not responsible for psychological effects that debt amounts shown by the application may have on the user.

96. Color Blindness and Visual Perception Differences
The developer is exempt from erroneous financial transactions that users with color blindness may make as a result of misinterpreting color codes.

97. Data Export Frequency and Data Integrity
The developer does not monitor how frequently the user backs up their data. No recovery guarantee is provided for data lost between two backups.

98. Independence of Advertising Partners
The developer is not responsible for the content of advertisements that may appear within the application.

99. Article Headings of the Agreement
The article headings in these Terms of Use are placed only to improve readability and cannot be used to limit or expand legal interpretation.

100. Non-Waiver
The developer's failure to enforce any provision does not mean that they have waived that provision.

101. Burden of Proof
The user claiming that the application made a calculation error is obliged to prove with technical reports that the said error originated from the developer's code.

102. Data Structure and Format Changes
The developer may update the application's data structure without notice. The developer cannot be held responsible for old backup files not opening.

103. Conflict with Advertising and Promotional Materials
In the event of differences between promotional materials in application stores and the final functionality of the application, these Terms of Use shall prevail.

104. Absolute Non-Liability and Irrevocable Waiver of Rights (Absolute Non-Liability)
Above and encompassing all provisions in this agreement; ALL damages, losses, and financial obligations — direct or indirect, material or moral, foreseeable or unforeseeable — that may arise from the use of the application, non-use, malfunction, deletion of data, incorrect calculations, failure to send notifications, or any technical/legal disruption are exclusively the responsibility of the user. By starting to use the application, the user irrevocably accepts, declares, and undertakes to waive all lawsuits, objections, compensation claims, and rights against the developer, Okan Okay & Co, and its affiliates. The developer ACCEPTS NO RESPONSIBILITY UNDER ANY CONDITION, ANY CIRCUMSTANCE, AND FOR ANY REASON. RESPONSIBILITY BELONGS TO THE USER UNDER ALL CONDITIONS AND FOR ALL REASONS.

By starting to use the application, you are deemed to have declared that you have read, understood, and accepted all of the above terms.