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Please read these terms of use carefully before using the services offered by Budget Factor, a Nilaccra application. These terms of use set forth the legally binding terms and conditions for your use of the website at (the ‘site’) and the services, features, content or applications offered by Budget Factor (collectively with the site, the ‘service’).

Acceptance of Terms.
By registering for and/or using the service in any manner, including but not limited to visiting or browsing the site, you agree to all of the terms and conditions contained herein ("Terms of Use"). In addition, some services offered through the service may be subject to additional terms and conditions specified by Budget Factor from time to time; your use of such services is subject to those additional terms and conditions, which are incorporated into these Terms of Use by this reference. These Terms of Use apply to all users of the Service, including, without limitation, users who are contributors of content, information, and other materials or services on the Site, individual users of the Service, venues that access the Service, and users that have a page on the Service.

Subject to these Terms of Use, Budget Factor may offer to provide the services, as described more fully on the site solely for your own use, and not for the use or benefit of any third party. Services shall include, but not be limited to, any services Budget Factor performs for you, any applications offered by Budget Factor that you download from the site or, subject to the terms set out under the "Third party Sites and Services" section below, from third party application stores (e.g., iTunes® store, Windows Store or Google Apps Marketplace) authorized by Budget Factor, as well as the offering of any materials displayed or performed on or through the Services (including Content).

Registration and Eligibility.
You may browse the site but can not view Content without registering, as a condition to using certain aspects of the site, you are required to register with Budget Factor and represent, warrant and covenant that you provide Budget Factor with accurate and complete registration information (including, but not limited to an e-mail address and a password you will use to access the cloud account) and to keep your registration information accurate and up-to-date. Failure to do so shall constitute a breach of these Terms of Use, which may result in immediate termination of your Budget Factor account. You may use our mobile applications without registiration locally on your device.
You shall not:
• Create any account for anyone other than yourself without such person's permission;
• Use a name or Budget Factor account that is subject to any rights of a person other than you without appropriate authorization; or
• Use a name that is otherwise offensive, vulgar or obscene or otherwise unlawful.

Budget Factor reserves the right to refuse registration of, or cancel an account in its sole discretion. You are solely responsible and liable for activity that occurs on your account and shall be responsible for maintaining the confidentiality of your Budhet Factor password. You shall never use another user's account without such other user's prior express permission. You will immediately notify Budget Factor in writing of any unauthorized use of your account, or other account related security breach of which you are aware.
You represent and warrant that if you are an individual, you are of legal age to form a binding contract, or that if you are registering on behalf of an entity, that you are authorized to enter into, and bind the entity to, these Terms of Use and register for the Service. The Service is not available to individuals who are younger than 13 years old. Budget Factor may, in its sole discretion, refuse to offer the service to any person or entity and change its eligibility criteria at any time. You are solely responsible for ensuring that these Terms of Use are in compliance with all laws, rules and regulations applicable to you and the right to access the service is revoked where these Terms of Use or use of the Service is prohibited and, in such circumstances, you agree not to use or access the site or services in any way.

All Content, privately transmitted, is the sole responsibility of the person who originated such Content. Budget Factor cannot guarantee the authenticity of any content or data which users may provide about themselves. You acknowledge that all content accessed by you using the service is at your own risk and you will be solely responsible and liable for any damage or loss to you or any other party resulting therefrom. For purposes of these Terms of Use, the term "Content" means teh personal information of the user and the financial data of the user generated, provided, or otherwise made accessible by Budget Factor applications or through the site. Content added, created, uploaded, submitted, distributed, posted or otherwise obtained through the service by users, including content that is added to the Service in connection with users linking their accounts to third party websites and services, is collectively referred to as, "User Submissions."

Budget Factor Content.
The Service contains Content specifically provided by Budget Factor or its partners and such Content is protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary rights and laws, as applicable. You shall abide by and maintain all copyright notices, information, and restrictions contained in any Content accessed through the Service.
Subject to these Terms of Use, Budget Factor grants each user of the site and/or service a worldwide, non-exclusive, non-sublicensable and non-transferable license to use, modify and reproduce the content, solely for personal, non-commercial use. Use, reproduction, modification, distribution or storage of any content for other than personal, non-commercial use is expressly prohibited without prior written permission from Budget Factor, in such content's copyright notice, as applicable. You shall not sell, license, rent, or otherwise use or exploit any content for commercial (whether or not for profit) use or in any way that violates any third party right.

User Submissions.
Budget Factor never shares its users’ financial data with any third parties. But reserves the right to use their personal information in order to communicate with them for the purppose of marketing activities of Nilaccra’s other applications and services.
When you delete your user submissions, they will be removed from the service. However, you understand that any removed user submissions may persist in backup copies for a reasonable period of time (but following removal will not be used).

Rules and Conduct.
As a condition of use, you promise not to use the service for any purpose that is prohibited by these Terms of Use. You are responsible for all of your activity in connection with the service. Additionally, you shall abide by all applicable local, state, national and international laws and regulations and, if you represent a business, any advertising, marketing, privacy, or other self-regulatory code(s) applicable to your industry.
You shall not (directly or indirectly):
• Take any action that imposes or may impose (as determined by Budget Factor in its sole discretion) an unreasonable or disproportionately large load on Budget Factor's (or its third party providers') infrastructure;
• Interfere or attempt to interfere with the proper working of the Service or any activities conducted on the Service;
• Bypass any measures Budget Factor may use to prevent or restrict access to the Service (or other accounts, computer systems or networks connected to the Service);
• Run any form of auto-responder or "spam" on the Service;
• Use manual or automated software, devices, or other processes to "crawl" or "spider" any page of the Site;
• Harvest or scrape any Content from the Service;
• Modify, adapt, appropriate, reproduce, distribute, translate, create derivative works or adaptations of, publicly display, republish, repurpose, sell, trade, or in any way exploit the Service or Site Content (other than your User Submissions), except as expressly authorized by Budget Factor;
• Decipher, decompile, disassemble, reverse engineer or otherwise attempt to derive any source code or underlying ideas or algorithms of any part of the Service (including without limitation any application or widget), except to the limited extent applicable laws specifically prohibit such restriction;
• Copy, rent, lease, distribute, or otherwise transfer any of the rights that you receive hereunder;
• Otherwise take any action in violation of Budget Factor's guidelines and policies.
Budget Factor does not guarantee that any Content or User Submissions (as defined above) will be made available on the Site or through the Service. Budget Factor has no obligation to monitor the Site, Service, Content, or User Submissions. However, Budget Factor reserves the right to (i) remove, suspend, edit or modify any Content in its sole discretion, including without limitation any User Submissions at any time, without notice to you and for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities relating to such Content or if Budget Factor is concerned that you may have violated these Terms of Use), or for no reason at all and (ii) to remove, suspend or block any User Submissions from the Service. Budget Factor also reserves the right to access, read, preserve, and disclose any information as Budget Factor reasonably believes is necessary to (i) satisfy any applicable law, regulation, legal process or governmental request, (ii) enforce these Terms of Use, including investigation of potential violations hereof, (iii) detect, prevent, or otherwise address fraud, security or technical issues, (iv) respond to user support requests, or (v) protect the rights, property or safety of Budget Factor, its users and the public. .

Third Party Sites and Services.
The Service may permit you to link to other websites, services or resources on the Internet, and other websites, services or resources may contain links to the Site. When you access third party websites, you do so at your own risk. These other websites are not under Budget Factor's control, and you acknowledge that Budget Factor is not responsible or liable for the content, functions, accuracy, legality, appropriateness or any other aspect of such websites or resources. The inclusion of any such link does not imply endorsement by Budget Factor or any association with its operators. You further acknowledge and agree that Budget Factor shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such Content, goods or services available on or through any such website or resource.

Budget Factor may terminate your access to all or any part of the service and/or site at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of all information associated with your membership. Any fees paid hereunder are non-refundable. All provisions of these Terms of Use which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Warranty Disclaimer.
Save to the extent required by law, Budget Factor has no special relationship with or fiduciary duty to you. You acknowledge that Budget Factor has no control over, and no duty to take any action regarding: which users gain access to the Service; what Content you access via the Service; what effects the Content may have on you; how you may interpret or use the Content; or what actions you may take as a result of having been exposed to the Content. You release Budget Factor from all liability for you having acquired or not acquired Content through the Service. The Service may contain, or direct you to websites containing, information that some people may find offensive or inappropriate. Budget Factor makes no representations concerning any Content contained in or accessed through the Service, and Budget Factor will not be responsible or liable for the accuracy, copyright compliance, legality or decency of material contained in or accessed through the Service.
The site, service and content are provided "as is", "as available" and are provided without any representations or warranties of any kind, express or implied, including, but not limited to, the implied warranties of title, non-infringement, merchantability and fitness for a particular purpose, and any warranties implied by any course of performance or usage of trade, all of which are expressly disclaimed, save to the extent required by law. Budget Factor, and its directors, employees, agents, representatives, suppliers, partners and content providers do not warrant that: (a) the service will be secure or available at any particular time or location; (b) any defects or errors will be corrected; (c) any content or software available at or through the service is free of viruses or other harmful components; or (d) the results of using the service will meet your requirements. Your use of the website, service and content is solely at your own risk. Some states / countries do not allow limitations on implied warranties, so the above limitations may not apply to you.

You shall defend, indemnify, and hold harmless Budget Factor, its affiliates and each of its and its affiliates' employees, contractors, directors, suppliers and representatives from all losses, costs, actions, claims, damages, expenses (including reasonable legal costs) or liabilities, that arise from or relate to your use or misuse of, or access to, the site, service and content or otherwise from your User Submissions, violation of these Terms of Use, or infringement by you, or any third party using the your account, of any intellectual property or other right of any person or entity (save to the extent that a court of competent jurisdiction holds that such claim arose due to an act or omission of Budget Factor). Budget Factor reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with Budget Factor in asserting any available defenses.

Modification of Terms of Use.
Budget Factor reserves the right, at its sole discretion, to modify or replace any of these Terms of Use, or change, suspend, or discontinue the Service (including without limitation, the availability of any feature, database, or content) at any time by posting a notice on the Site or by sending you notice through the Service or via email. Budget Factor may also impose limits on certain features and services or restrict your access to parts or all of the Service without notice or liability. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Service following the posting of any changes to these Terms of Use constitutes acceptance of those changes.

You may contact Budget Factor at the following address: Egitim Mah. 1. Acikgoz Sk. Kadikoy / Istanbul / Turkey.
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