Terms of Use and Membership Agreement

Article 1

PARTIES AND SCOPE

This agreement is entered into between ROLF 360 DIGITAL MARKETING AND SOFTWARE AGENCY LIMITED COMPANY (hereinafter referred to as "COMPANY"), located at Levent, Karanfil Sokağı No:13, 34330 Beşiktaş / Istanbul, Turkey, operating the Walletlify application and website (hereinafter referred to as "PLATFORM"), and the user who registers on the PLATFORM (hereinafter referred to as "USER").

Article 2Critical

NOT INVESTMENT ADVICE DISCLAIMER (CRITICAL CLAUSE)

The Wallet AI analyses, charts, trend predictions, portfolio profit/loss calculations, and any content generated by artificial intelligence provided on the PLATFORM DO NOT CONSTITUTE INVESTMENT ADVICE. The PLATFORM is not an investment advisory firm, portfolio management company, or brokerage firm. USER is solely responsible for all financial decisions made, investments undertaken, and any losses incurred based on data from the PLATFORM. The COMPANY cannot be held liable under any circumstances for USER's financial losses.

Article 3

NATURE OF SERVICE AND LIMITATION OF LIABILITY

Data Entry

The PLATFORM is a tracking and organizational tool that processes data manually entered by USER, transferred via receipt scanning (OCR), or provided through statement uploads. The accuracy, completeness, and timeliness of data is entirely USER's responsibility.

Technical Infrastructure

The PLATFORM utilizes third-party infrastructure providers such as Lovable, Netlify, Supabase, and Cloudflare. The COMPANY cannot be held responsible for outages, data losses, or access issues arising from these providers.

Processing Errors

Artificial intelligence (Wallet AI) and automatic receipt scanning systems may contain margins of error. USER is obligated to verify data automatically categorized or calculated by the system.

Article 4

USER OBLIGATIONS

USER is responsible for maintaining account security (password confidentiality, etc.).
USER may not use the PLATFORM for illegal purposes, money laundering, or misleading data entry.
In the family budget feature, the COMPANY is not responsible for the data of invited members or legal disputes between such members.

Article 5

DATA PRIVACY AND SECURITY (GDPR/KVKK COMPLIANCE)

USER's financial data is encrypted with 256-bit SSL. While the COMPANY makes every effort to ensure data security, it shall not be held liable for data losses that may result from cyberattacks, database breaches, or force majeure events, unless gross negligence by the COMPANY is proven. Data is processed in accordance with the conditions specified in the Privacy Policy.

Article 6

INDEMNIFICATION AND DISCLAIMER

The COMPANY shall not be liable in any way for direct, indirect, incidental, or punitive damages (including loss of profit) arising from the use or inability to use the PLATFORM, erroneous data analysis, AI recommendations, or USER's financial decisions. The PLATFORM is provided "as is" and no implied warranty is given regarding fitness for a particular purpose.

Article 7

INTELLECTUAL PROPERTY

The Walletlify brand, software code, design, and Wallet AI algorithms are the property of ROLF 360. Copying or reverse engineering is prohibited.

Article 8

JURISDICTION

Istanbul (Çağlayan) Courts and Enforcement Offices shall have jurisdiction over any disputes arising from this agreement.

Article 9

EFFECTIVE DATE

By registering on the PLATFORM, USER is deemed to have read, understood, and accepted all terms of this agreement.