Terms of Use Agreement

This Terms of Use Agreement ("Agreement") is concluded between Masrafo Information and Software Technologies ("Masrafo", "Platform", "Company") and any individual or legal entity accessing or using the Masrafo mobile applications or website ("User").

By installing the application, tapping "Accept", or using any service, you agree to be bound by these terms. If you disagree, you must cease using and uninstall the application immediately.

Masrafo is a financial planning and algorithmic modeling utility that assists users in tracking expenses, income cycles, recurring commitments, and credit card statement dates on Supabase PostgreSQL and mobile devices.

All metrics generated by the platform (Safe-to-Spend daily allowance, credit card float arbitrage calculations, and AI assistant insights) are algorithmic simulations based entirely on user-entered values.

STATUTORY INVESTMENT ADVISORY DISCLAIMER: Masrafo is NOT a bank, credit institution, asset management company, or licensed investment advisor under capital markets legislation. No insight, metric, notification, or AI recommendation constitutes financial or investment advice, portfolio management, or a solicitation to transact.

PAYMENT SERVICES DISCLAIMER: Masrafo is NOT a payment service provider or electronic money institution. Masrafo never holds user cash, executes money transfers, or initiates bank payment orders.

USER EXCLUSIVE RESPONSIBILITY: Credit card float arbitrage, overnight money market yield projections, and Safe-to-Spend allowances are general mathematical simulations. Fluctuations in actual interest rates, tax withholdings, bank late payment penalties, default interest, or credit score adjustments remain the sole responsibility of the user. Timely settlement of all banking obligations is strictly your own responsibility.

The Masrafo mobile application, source code, algorithmic engines, brand names, visual identity, Obsidian Jade design tokens, and Safe-to-Spend engine are the exclusive intellectual property of Masrafo.

Users are granted a revocable, non-exclusive, non-transferable personal license. Reverse engineering, decompilation, code extraction, automated scraping, or data harvesting via bots is strictly prohibited and subject to civil and criminal penalties.

Masrafo Pro access (Monthly, Annual, or Lifetime tiers) is processed and renewed through Apple App Store or Google Play Store billing systems. Subscriptions renew automatically unless cancelled at least 24 hours prior to billing period end.

In accordance with applicable distance consumer regulations, immediate digital performance services are exempt from statutory withdrawal periods once access commences. All refund requests are governed exclusively by Apple or Google store policies.

The Masrafo application and all associated functionalities are delivered strictly on an "AS IS" and "AS AVAILABLE" basis. The Company makes no representations or warranties regarding uninterrupted uptime or flawless compatibility across all operating system updates.

Masrafo assumes no liability for delayed push notifications, hardware failures, or interruptions arising from third-party network providers.

STATUTORY EXCLUSION: To the maximum extent permitted by applicable law, Masrafo disclaims all liability for ordinary or slight negligence, excluding only intentional misconduct or gross negligence.

INDIRECT DAMAGES EXCLUSION: Masrafo shall not be liable for any lost profits, lost data, bank penalty fees, default interest, tax levies, or indirect, consequential, or punitive damages arising from platform usage.

MAXIMUM AGGREGATE LIABILITY CAP: The cumulative aggregate liability of Masrafo for any claim arising out of this Agreement shall in all circumstances be strictly limited to the actual amount paid by the user for Masrafo Pro during the preceding twelve (12) months (or zero for free users).

This Agreement and all disputes arising out of or related to it shall be governed by and construed in accordance with the laws of the Republic of Turkey.

The Central (Caglayan) Courts and Execution Offices of Istanbul, Turkey shall have exclusive jurisdiction over any legal proceedings or claims arising from the platform or this Agreement.