Terms of Use

1. Scope and Acceptance

These terms govern your use of the io40.tr website and its sub-pages, operated by io40 Finansal Teknolojiler A.Ş. ("io40"). By browsing the site or contacting us through its forms, you accept these terms. If you do not accept them, please do not use the site.

2. Nature of the Content

Blog articles, service descriptions and explanations of licensing or regulation published on this site are provided for general information only. They do not constitute legal, financial, tax or investment advice, and they are not a binding offer. Regulation changes frequently; verify the current rules and consult a qualified adviser before acting. The actual scope of any engagement, its fees and its timelines are determined solely by a written agreement signed between the parties.

3. Acceptable Use

You may not use the site in breach of applicable law; run security tests against our systems, attempt unauthorised access, operate automated scraping tools that place a disproportionate load on our infrastructure, or otherwise interfere with the availability of the service. Using the contact forms to send advertising, unsolicited messages or misleading content is prohibited.

4. Intellectual Property

The text, images, logo and brand elements, architecture diagrams, API designs, code samples and design assets on this site belong to io40 or its licensors and are protected by intellectual property law. Reasonable quotation with attribution is permitted; beyond that, no part may be reproduced, adapted or used commercially without written permission.

5. Third-Party Links

The site may contain links to, or embedded services from, third parties. io40 does not control the content, security or privacy practices of those resources, and your use of them is governed by the terms of the relevant third party.

6. Disclaimer and Limitation of Liability

The site is provided "as is". io40 does not warrant that the content will be complete, current or uninterrupted at all times. To the maximum extent permitted by applicable law, io40 shall not be liable for indirect damages, loss of profit or loss of data arising from use of the site or from decisions taken in reliance on its content. This limitation does not exclude liability for wilful misconduct or gross negligence.

7. Personal Data

How we process personal data, your rights under the Turkish KVKK (Law No. 6698) and the GDPR, and our use of cookies are set out in a separate document: Privacy Policy.

8. Changes, Governing Law and Contact

io40 may update these terms without prior notice; they take effect on publication and the current version is always available on this page. These terms are governed by the laws of the Republic of Türkiye, and the Istanbul Anatolian Courts and Execution Offices have jurisdiction over any dispute. Questions: info@io40.tr — İdealtepe Mah. Dik Sok. No:13/2, Maltepe, İstanbul 34841, Türkiye.

Last updated: 15.08.2026