اتفاقية المستخدم (الشروط والأحكام)

1. Parties and Scope of the Agreement

This User Agreement (“Agreement”) is entered into between all visitors and users (“User”) of the website www.chartsaga.com (“Website” or “Chartsaga”) and the owner of Chartsaga. It regulates the terms and conditions regarding the use, purchase, or access to the digital content, services, and products offered on the site, as well as the visit to the site itself.

This Agreement is binding for all natural and legal persons who access the site, become members, use the digital content, communicate with the platform, or place orders through it.

By visiting the Website, performing any action, or simply browsing, the User is deemed to have read, understood, and accepted all the provisions of this Agreement.

2. Terms of Use and Eligibility

2.1. The Website may only be used by users who are over 18 years of age.
2.2. Individuals under the age of 18 may only perform actions on the site through their legal representatives.
2.3. The User agrees to use the site solely for purposes that are legal, ethical, and in accordance with social norms.
2.4. The User is obliged to comply with all applicable national and international laws.
2.5. Users must abide by the internet regulations and content-sharing laws of their respective countries.
2.6. The User declares that they will use all digital services and content provided by Chartsaga only for individual, personal, and educational purposes, and not for commercial, harmful, manipulative, or unlawful activities.
2.7. The User may not engage in any behavior that violates the personal rights, privacy, intellectual property rights, or freedom of expression of others.
2.8. The User may not use any automation software, bots, malware, or spam technologies that could damage the site, block access, or abuse the system.
2.9. Chartsaga reserves the right to deny access, close user accounts, or take legal action against any user who violates these conditions.
2.10. The Website may only be used by individuals over 18 years old.

3. Right to Modify Services

3.1. Chartsaga reserves the right to update, modify, or terminate the digital services and content it provides, as well as the technical infrastructure, access methods, user interfaces, publishing policy, and pricing—without prior notice.

3.2. Such changes may be made due to technological developments, legal requirements, improvements in user experience, or efforts to enhance content quality.

3.3. Chartsaga aims to implement these changes without affecting services that users have already registered for or purchased; however, some updates may limit previous access.

3.4. The User acknowledges and accepts in advance that such changes may occur and that they will not claim compensation from Chartsaga due to these modifications.

3.5. There is no guarantee that any content or service provided on the website will remain active indefinitely. Chartsaga reserves the right to archive content, restrict access, or completely remove content whenever necessary.

4. Payment and Digital Product Delivery

4.1. Chartsaga sells digital products exclusively through secure payment infrastructure providers (such as iyzico, Stripe, PayPal, etc.).

4.2. Users can make payments using credit cards, debit cards, or other online payment methods.

4.3. All payment transactions are securely conducted in accordance with PCI-DSS standards.

4.4. Chartsaga does not directly collect or store users’ payment information; these processes are managed through authorized third-party service providers.

4.5. Purchased products are delivered in digital format only; no physical shipping is provided.

4.6. Delivery is carried out via email or through a downloadable link provided in the user panel after payment confirmation.

4.7. Delivery usually occurs instantly; however, in case of technical issues, the product will be made accessible within a maximum of 24 hours.

4.8. The User is responsible for providing accurate email and contact information. Chartsaga is not responsible for delays caused by incorrect or missing user data.

4.9. Once downloaded, the delivered files must be stored on the user’s device. In cases where files are lost, deleted, or become inaccessible, Chartsaga may provide re-download support for a limited time.

4.10. All digital products are provided with usage rights but may not be reproduced, distributed, or used for commercial purposes. See the Intellectual Property Rights section for further details.

5. Intellectual Property Rights

5.1. Unless explicitly stated otherwise, all content on the Website (including but not limited to text, graphics, logos, icons, digital spreadsheets, e-books, software, images, user interfaces, audio files, and design elements) belongs to Chartsaga or is used under a legal license by Chartsaga.

5.2. These contents are protected under the Turkish Law on Intellectual and Artistic Works (Law No. 5846), the Industrial Property Law (Law No. 6769), the TRIPS Agreement, European Union Intellectual Property Directives, and other international copyright laws.

5.3. Users may not, under any circumstances, copy, reproduce, republish, distribute, store, display, or use any site content for commercial purposes without prior written permission from Chartsaga.

5.4. In particular, e-books, analysis files, and digital spreadsheets are provided solely for personal use. It is strictly prohibited for the user to share, duplicate, resell, or publicly distribute these contents on any platform.

5.5. If Chartsaga detects any use that violates these rules, it reserves the right to block access to the content, terminate the user’s account, initiate legal proceedings, and pursue compensation for damages.

5.6. Content that belongs to third parties remains the property of the respective rights holders and is cited as needed. Such content is also protected by copyright regulations.

6. Account Suspension or Termination

6.1. Chartsaga reserves the right to temporarily suspend, impose restrictions on, or permanently terminate a user account without prior notice if the user is found to have violated these Terms and Conditions.

6.2. Suspension or termination may be applied in the following cases:
a) Providing false or misleading information,
b) Uploading or redirecting harmful software (such as viruses, trojans, bots) that may damage the site or other users,
c) Engaging in spam, harassment, or disruptive behavior that affects other users’ experience,
d) Sharing illegal, unethical, hate speech, or content that violates third-party rights in forums, comments, or content areas,
e) Placing fake orders, abusing payment systems, or performing fraudulent activities.

6.3. In such cases, Chartsaga may delete any related content belonging to the user, inform legal authorities, and permanently block the user’s IP address if deemed necessary.

6.4. In the event of account termination, there is no guarantee of continued access to associated content, purchase history, or login credentials. Users are responsible for backing up or saving their own files where applicable.

6.5. By accepting this agreement, the user acknowledges and agrees in advance that their account may be closed in the event of misuse or breach of rules.

7. Forums and User-Generated Content

7.1. Chartsaga provides forums, comment sections, and contribution areas where users can share content on the site.

7.2. All content shared in these areas is the sole responsibility of the user who posted it.

Prohibited Content and Corresponding Legal Grounds

7.3. The following types of content are considered unethical, immoral, and illegal under the laws of Turkey and various international jurisdictions. Chartsaga strictly prohibits the sharing or distribution of such content on its platform. Any user who shares such content bears full legal and criminal responsibility.

7.3.1. Content that promotes illegal activities

Users may not promote or advertise any criminal behavior, illegal products, or services. For example, content related to weapons, drugs, or illegal gambling is strictly forbidden.
Legal Grounds:

Turkey: Turkish Penal Code (TCK) Articles 214–220
EU: e-Commerce Directive 2000/31/EC
USA: Communications Decency Act Section 230
Canada: Canadian Criminal Code

7.3.2. Hate speech, discrimination, and exclusionary language

Content may not include discriminatory, degrading, or hateful expressions based on race, religion, gender, sexual orientation, ethnicity, or disability.
Legal Grounds:

Turkey: TCK Article 216
EU: Framework Decision 2008/913/JHA
USA: Hate Crime Prevention Act
Canada: Canadian Human Rights Act

7.3.3. Obscene, violent, and public order–violating content

Pornographic material, explicit sexual content, excessive violence, or any content that disrupts public morality or order is not permitted.
Legal Grounds:

Turkey: TCK Article 226
EU: Audiovisual Media Services Directive (AVMSD)
USA: FCC regulations
Canada: Criminal Code Section 163

7.3.4. Sharing personal data without consent

Users may not share personal information of others (e.g., contact details, address, ID number) without their explicit consent.
Legal Grounds:

Turkey: Law on the Protection of Personal Data (KVKK)
EU: GDPR
USA: CCPA
Canada: PIPEDA

7.3.5. Violation of copyright, trademark, or patent rights

Using third-party content (images, text, music, software, etc.) without permission is strictly prohibited.
Legal Grounds:

Turkey: Law No. 5846 & 6769
EU: Copyright Directive, IPRED
USA: DMCA
Canada: Copyright Act

7.3.6. Defamation or derogatory expressions against government institutions

Insulting or degrading public officials, institutions, or national symbols is not allowed.
Legal Grounds:

Turkey: TCK Article 301
Other jurisdictions: May be prosecuted under hate crime or public order laws

7.3.7. Political propaganda and extreme ideological content

Content promoting political parties, election manipulation, religious extremism, or ideological radicalization is not permitted.
Legal Grounds:

Turkey: TCK Article 220/8, Election Law
EU: Terrorism Financing Directives
USA: Foreign Agents Registration Act (FARA)
Canada: Elections Act

7.3.8. Unlicensed investment advice or trading recommendations

Users may not give financial advice or trading suggestions unless properly licensed.
Legal Grounds:

Turkey: Capital Markets Law No. 6362
EU: MiFID II
USA: SEC, FINRA
Canada: IIROC

7.3.9. Unlicensed health, psychology, legal, or education consultancy

Medical, legal, psychological, or educational advice may only be provided by legally authorized professionals.
Legal Grounds (examples):

Turkey: Medical Deontology Regulation, Attorneyship Law, Mental Health Regulation
EU: Medical Device Regulation (MDR), national bar associations, health ministries
USA: FDA, Unauthorized Practice of Law (UPL), APA
Canada: Health Canada, Law Societies, College of Psychologists

Disclaimer of Responsibility

7.4. Chartsaga is not obliged to pre-screen user content but may remove any violating material upon complaint or detection.

7.5. Chartsaga bears no ethical, legal, or criminal responsibility for content shared by users.

7.6. Upon identifying or receiving notice of illegal content, Chartsaga reserves the right to remove such content, suspend the user’s account, and notify legal authorities.

7.7. The user acknowledges in advance that they will comply with the laws of their country and the rules of the Website.

8. Disclaimer of Warranties and Limitation of Liability

8.1. All content provided on the Website is offered “as is” and “as available.”

8.2. Chartsaga makes no guarantees regarding the suitability, accuracy, or timeliness of the content for any particular purpose.

8.3. Chartsaga is not responsible for any access issues caused by technical malfunctions, internet outages, system updates, third-party software problems, or cyberattacks.

8.4. The user declares that they use the site at their own risk and accept all associated risks.

No Investment Advice and Unauthorized Comments

8.5. No content published on Chartsaga (including e-books, articles, blog posts, comments, etc.) constitutes official investment advice.

8.6. Users are prohibited from giving buy/sell recommendations or investment advice on the platform.

8.7. It is illegal for unauthorized individuals to offer financial guidance.

9. Third-Party Links

9.1. The Website may include links to third-party websites or platforms.

9.2. These links are provided for informational purposes only. Chartsaga makes no representations regarding the accuracy, safety, or reliability of the content found on such external sites.

9.3. Users are solely responsible for any transactions, interactions, or activities they engage in on third-party sites.

9.4. Chartsaga does not guarantee the legality, security, or up-to-dateness of the content provided on these third-party platforms.

9.5. Chartsaga accepts no liability for issues such as data breaches, fraud, or misuse arising from interactions with or use of third-party links.

10. Changes and Updates

10.1. These Terms and Conditions may be updated due to legal regulations, technological developments, or changes in the service policy.

10.2. Updates become effective as soon as they are published on the Website.

10.3. For existing users, the changes become valid after being notified digitally.

10.4. By continuing to use the Website after changes are made, the user is deemed to have accepted the updated terms.

10.5. The previous version of the Agreement remains in effect until the updated version is formally communicated to users.

10.6. Chartsaga recommends that users check this page regularly to stay informed about current terms and conditions.

11. Governing Law and Jurisdiction

11.1. These Terms and Conditions are governed by the laws of the Republic of Turkey.

11.2. In the event of any dispute, the courts and enforcement offices of Çankırı, Turkey, shall have exclusive jurisdiction.

12. Enforcement and Acceptance

This Agreement enters into force as of the moment the Website is first accessed by the user.

By accessing the site or performing any action on it, the user declares that they have read, understood, and fully accepted all provisions of this Agreement.

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