Kur-alApp Terms of Use

Last updated: 18 August 2026

The Turkish text at https://kur-al.com.tr/kullanim-kosullari prevails in case of conflict.

1. Parties and scope

These Terms of Use (“Terms”) govern the relationship between KURAL FİNANSAL TEKNOLOJİLER YAZILIM VE DANIŞMANLIK A.Ş. (“Kur-alApp”, “we”) and any person or entity using the Kur-alApp mobile application (“User”, “you”). By downloading the app, creating an account or using the service you accept these Terms. If you do not accept them, do not use the app.

Processing of your personal data is governed by our Privacy Policy at https://kur-al.com.tr/en/privacy, which forms an integral part of these Terms.

2. Definitions

Customer — a user who wants to collect price offers because they intend to buy or sell foreign currency.
Exchange Office — a business authorised under applicable regulation to carry out currency exchange, which submits price offers for Requests.
Request — a listing published by a Customer in order to collect price offers (currency, amount, direction). It is not a trade order or a commitment.
Offer — a price quoted by an Exchange Office for a Request.
Transaction — the currency exchange between the Customer and the Exchange Office, which takes place outside the Platform. Kur-alApp is not a party to it.
Business Manager — a user on an Exchange Office account who can invite staff, define their permissions and edit the business profile.
Staff — a user invited by a Business Manager and attached to the Exchange Office, able to act only within the permissions granted to them.
Platform — the Kur-alApp app and its backend services.

3. Our role — important

Kur-alApp is a price-quotation (tender) platform. The service we provide consists solely of collecting price offers from multiple Exchange Offices in response to a Request and presenting those offers to the Customer for comparison.

Kur-alApp does not trade currency. We do not buy or sell currency, do not carry out exchange operations, do not set rates or provide quotations of our own, never hold funds or currency on your behalf, and do not act as a payment intermediary or money transmitter. The currency exchange activity itself is not the subject of the Platform.

Rate, amount and conditions are agreed between the Customer and the Exchange Office; the contract governing the Transaction is formed between those two parties.
Payment and delivery of currency happen outside the app, between the bank accounts the parties declare in their profiles. Kur-alApp plays no part at that stage and cannot see or verify a payment.
Transaction status labels shown in the app (e.g. “awaiting payment”) are set by the parties themselves.
We do not guarantee that either party will perform. We are not a party to disputes arising from non-payment, partial payment or failed transactions.
Each Exchange Office is responsible for the accuracy and validity of its own Offer and for holding the authorisation required to transact at that price.

4. Eligibility and account

You must be 18 or older and have legal capacity.
You warrant that the information you provide (full name, national ID number, phone, email, IBAN, tax details where applicable) is true, current and your own. False or third-party information is grounds for closing the account.
You are responsible for keeping your credentials confidential. Report any unauthorised use to [email protected] immediately.
One account per person. Exchange Office profiles must be operated by a business authorised under applicable regulation; we may request documentation evidencing that authorisation.
Team use (Exchange Offices). An Exchange Office may, through its Business Manager, invite Staff and set individually what each of them is allowed to do.
- Any action Staff take on the Platform on behalf of the business binds the business, which is responsible for those actions.
- Deciding who is authorised, which permissions are granted and when they are withdrawn is the Business Manager’s responsibility, including ending the membership of Staff who leave or change roles.
- By entering an invited person’s name and email address into the Platform, the Business Manager undertakes to inform that person accordingly; the notice supplied with the invitation is provided for this purpose.
- Administrative actions taken by Staff within the business, and the number and value of the offers they make and win, are recorded for the business’s audit needs and can be viewed by the Business Manager. This record is not kept secret; Staff are told about it in the app. See the Privacy Policy for detail.

5. Rate information is not investment advice

Rates displayed in the app come from the public daily reference feed of the Central Bank of the Republic of Türkiye and are for information only. Data may be delayed or inaccurate. It does not constitute investment advice, a recommendation, or a price commitment. You alone are responsible for your decisions.

6. Request and offer flow

The Customer creates a Request by selecting currency, amount, direction and a bank account.
The Request is pushed to relevant Exchange Offices.
Exchange Offices submit Offers, which may be time-limited and expire.
When the Customer accepts an Offer, both parties are shown the details needed to complete the transaction (name, contact and the selected bank account).
Payment and delivery of currency are completed between the parties, outside the app.

An accepted Offer is a binding commitment between the parties; a user who withdraws without good cause may have their account suspended.

7. Prohibited use

The following are strictly prohibited: money laundering, terrorist financing or transactions raising such suspicion; using another person’s identity, IBAN or business details; creating false, misleading or fictitious requests/offers or manipulating prices; automated access (bots, scrapers), reverse engineering or circumventing security controls; harvesting other users’ data; and any breach of applicable law, including exchange and anti-money-laundering regulation.

We may suspend or terminate your account without notice for breaches and report them to the competent authorities where required.

8. Fees

Use of the Platform is currently free of charge for all Users. The app contains no in-app purchases and no subscriptions, and no payment of any kind is collected.

Once the introductory period ends, the following fee model is planned:

Item	Payable by	Planned
Subscription	Customer	Periodic subscription fee
Subscription	Exchange Office	Periodic subscription fee
Transaction commission	Exchange Office only	0.3% (three per thousand) of the completed transaction amount

No transaction commission is planned for Customers.

This fee model is not yet in force. Before any charges are introduced, or if the rates or model change, we will give at least 30 days’ notice in the app and by email; continued use after that notice means you accept the updated fees. The collection method and invoicing arrangements will be announced separately when the paid period begins.

9. Notifications

We send push notifications and emails about requests, offers and transaction status. These are service messages necessary to operate the platform. You can disable push notifications in your device settings; you may then miss time-sensitive offers. Marketing messages are sent only with your separate consent and always include an opt-out.

10. Intellectual property

The software, interface design, logo, trade marks and content belong to KURAL FİNANSAL TEKNOLOJİLER YAZILIM VE DANIŞMANLIK A.Ş. or its licensors. You receive a personal, non-transferable licence to use the app subject to these Terms. You may not copy, reproduce, create derivative works from, rent or sell the app.

11. Availability and limitation of liability

The Platform is provided “as is”. We do not warrant uninterrupted or error-free operation.
To the extent permitted by law we are not liable for indirect losses, including lost profit, exchange-rate differences or loss of business.
We are not liable for transactions between users, the accuracy of their statements, or their payment obligations.
Nothing here excludes liability for wilful misconduct or gross negligence, or your statutory consumer rights.

12. Suspension, termination and account deletion

We may suspend or terminate accounts for breach, illegality or security concerns. You may delete your account at any time in the app under Profile → Delete account, or via https://kur-al.com.tr/en/account-deletion. What happens to your data is described in section 7 of the Privacy Policy; records we must keep by law are retained separated from your identity.

13. Changes

We may amend these Terms. Material changes are announced in the app and, where required, your consent is requested again. Continued use after a change means you accept the updated Terms.

14. Governing law and disputes

Turkish law applies. The courts and enforcement offices of Ankara have jurisdiction. Users qualifying as consumers may also apply to Turkish Consumer Arbitration Committees or Consumer Courts according to the applicable monetary thresholds.

15. Contact

KURAL FİNANSAL TEKNOLOJİLER YAZILIM VE DANIŞMANLIK A.Ş. — Üniversiteler Mahallesi, 1597. Cadde, Bilkent Center AVM, No: 3, Door No: 104, Ground Floor, 06800 Bilkent, Çankaya/Ankara, Türkiye — [email protected]

Annex 1: Additional terms for copies obtained from the Apple App Store

These Terms are between you and KURAL FİNANSAL TEKNOLOJİLER YAZILIM VE DANIŞMANLIK A.Ş. only; Apple is not a party.
The licence is limited to use on Apple-branded devices you own or control, as permitted by the App Store Usage Rules.
KURAL FİNANSAL TEKNOLOJİLER YAZILIM VE DANIŞMANLIK A.Ş. is solely responsible for maintenance and support; Apple has no such obligation.
If the app fails to conform to any applicable warranty, you may notify Apple for a refund of the purchase price; Apple has no further warranty obligation.
KURAL FİNANSAL TEKNOLOJİLER YAZILIM VE DANIŞMANLIK A.Ş. is responsible for addressing any claims relating to the app, including product liability, regulatory compliance and consumer protection claims.
KURAL FİNANSAL TEKNOLOJİLER YAZILIM VE DANIŞMANLIK A.Ş. is responsible for the investigation, defence and settlement of any third-party intellectual property infringement claim relating to the app.
You represent that you are not located in a country subject to a U.S. embargo and are not on any U.S. prohibited-party list.
Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

Annex 2: Copies obtained from Google Play

The Google Play Terms of Service and Google’s related policies also apply. Google is not a party to these Terms and support obligations rest with KURAL FİNANSAL TEKNOLOJİLER YAZILIM VE DANIŞMANLIK A.Ş.