Terms of Service

Last updated: July 2026 — Version 1.0 (Journal / blog only)

Scope: These Terms govern only the zFinance Journal — the blog you are reading now. zfinanceapp.com and the zFinance mobile application have their own separate terms.

1. Operator

This blog is operated by:

Bonita İnternet Teknoloji Ticaret Ltd.
General Manager: Sefa Koç
Company No: 789758-0
Altunizade Mah. Ord. Prof. Fahrettin Kerim Gökay Cad. No: 35/1
Üsküdar / Istanbul, Türkiye
General contact: info@zfinanceapp.com

References to "we", "us" and "our" mean the company above. "You" means anyone who reads or uses this blog.

2. Acceptance

By accessing this blog you accept these Terms. If you do not accept them, please do not use the blog. Reading is free and requires no account; these Terms nevertheless apply to your use.

3. What this blog is

The Journal is our editorial record: events we attend, products we launch, people we work with, and notes from behind the scenes. It is published for information and general interest.

4. It is not financial advice. zFinance is a financial-literacy company, and articles here may touch on money, markets, products or our own launches. Nothing on this blog is investment, financial, tax or legal advice, and nothing here is a recommendation, solicitation or offer to buy or sell any financial instrument. We do not know your circumstances. Content may be incomplete, simplified for a general audience, or out of date, and past performance never predicts future results. Before making a financial decision, consult a qualified professional who can consider your situation. Any action you take on the basis of this blog is taken at your own risk.

5. Newsletter

You may subscribe to our newsletter by entering your email address. Subscription is optional and free. By subscribing, you consent to receive emails about our events, launches, updates and occasional behind-the-scenes notes. Every email carries a one-click unsubscribe link, and you may also unsubscribe at any time by writing to privacy@zfinanceapp.com. We do not rent, sell or trade your address. How we handle it is described in our Privacy Policy.

6. Acceptable use

You agree not to:

use the blog for any unlawful purpose, or in breach of these Terms;
attempt to gain unauthorised access to the blog, its hosting, or any related system;
interfere with the blog's operation or availability, including by automated overload;
scrape or harvest content at a scale or rate that burdens the service, or in order to republish it in breach of Section 7;
submit an email address that is not yours, or subscribe anyone else without their agreement;
misrepresent yourself as affiliated with us.

7. Intellectual property

All content on this blog — articles, text, photographs, illustrations, the zFinance name, logo and visual identity, and the design and code of the site itself — belongs to us or is used with permission, and is protected by copyright and trade mark law.

You may read, share links to, and quote short extracts from our articles for personal, editorial or journalistic purposes, provided you credit the zFinance Journal and link back to the original. You may not republish an article in full, present our content as your own, use our name or logo in a way that implies endorsement, or use anything here for commercial purposes, without our written permission. Ask us at info@zfinanceapp.com — we are usually happy to say yes.

8. People featured in our articles

Articles may name, quote or show people we work with and meet at events. If you appear in an article and would like it changed or removed, write to privacy@zfinanceapp.com. Section 10 of our Privacy Policy explains how we handle these requests, and we will act on them promptly.

If you send us material — a photograph, a quote, a correction — you confirm you have the right to do so, and you grant us permission to publish it on this blog with credit where appropriate.

9. Third-party services and links

This blog relies on Netlify for hosting, Mailchimp for the newsletter, and Google Fonts for typography. It also links to other websites, including zfinanceapp.com. We do not control third-party services or linked sites and are not responsible for their content, availability or practices. Your use of them is governed by their own terms.

10. Availability and changes

We publish this blog on a best-effort basis. We do not promise it will always be available, uninterrupted or error-free, and we may change, suspend, remove or discontinue any article or the blog as a whole at any time, without notice. Articles are a record of a moment; we are under no obligation to keep them updated.

11. Disclaimer — "as is"

The blog and its content are provided "as is" and "as available", without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the content is complete, accurate or current.

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited — including liability for death or personal injury caused by negligence, for fraud, or any statutory rights you have as a consumer, which remain unaffected.

12. Limitation of liability

To the fullest extent permitted by law, and subject to Section 11, we are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profit, revenue, data or goodwill, arising out of or in connection with your use of, or inability to use, this blog — including any decision you take on the basis of its content.

Under German law, our liability is limited to intent and gross negligence. In the case of slight negligence, we are liable only for breach of a material contractual obligation (Kardinalpflicht), and then only for the foreseeable damage typical of this type of relationship.

13. Indemnity

You agree to indemnify us against any claim, loss or expense (including reasonable legal fees) arising from your breach of these Terms or your unlawful use of the blog.

14. Changes to these Terms

We may update these Terms. The current version always lives on this page with the date below. Continuing to use the blog after a change means you accept the revised Terms. For material changes we will note them on the blog.

15. Governing law and jurisdiction

These Terms are governed by the laws of the Republic of Türkiye, without regard to conflict-of-law rules. The courts of Istanbul (Çağlayan) have jurisdiction.

If you are a consumer resident in the EU/EEA, this choice of law does not deprive you of the protection of the mandatory provisions of the law of your country of habitual residence, and you may also bring proceedings in the courts of that country.

16. Online dispute resolution (EU consumers)

The European Commission provides a platform for online dispute resolution at ec.europa.eu/consumers/odr. We are neither obliged nor willing to participate in dispute-resolution proceedings before a consumer arbitration board.

17. Severability, waiver, assignment, entire agreement

If any provision of these Terms is held invalid or unenforceable, the remaining provisions stay in full force, and the invalid provision will be replaced by a valid one that comes closest to its economic purpose. Our failure to enforce any provision is not a waiver of it. You may not assign your rights under these Terms; we may assign ours to a successor in the event of a merger, acquisition or restructuring. Together with the Privacy Policy, these Terms are the entire agreement between you and us concerning this blog.

18. Contact

Bonita İnternet Teknoloji Ticaret Ltd.
Altunizade Mah. Ord. Prof. Fahrettin Kerim Gökay Cad. No: 35/1, Üsküdar / Istanbul, Türkiye
General: info@zfinanceapp.com
Privacy: privacy@zfinanceapp.com