Terms and Conditions

Terms and Conditions

Effective Date: January 1, 2025

Welcome to Garanti Bank! Please carefully read these Terms and Conditions ("Terms") before using our website, mobile applications, or any of the services provided by Garanti Bank ("we," "our," "us"). By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, you should immediately cease using our services.

1. Account Eligibility and Registration

   • To open an account with Garanti Bank, you must be at least 18 years old and legally capable of entering into binding contracts.
   • When you register for an account, you must provide accurate and complete information, including your name, address, contact information, and financial details.
   • You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.

2. Use of Services

   • Our services are provided for personal and business use, and you agree to use them only for lawful purposes. You agree not to:
     • Violate any applicable laws or regulations.
     • Engage in fraudulent activities or attempt to misuse our services.
     • Interfere with or disrupt the operation of our website, applications, or systems.

3. Account Security

   • You are responsible for maintaining the security of your account and ensuring that your login information is kept confidential.
   • We use industry-standard encryption and security technologies to protect your information, but you must notify us immediately if you suspect any unauthorized access to your account.

4. Fees and Charges

   • Certain services may be subject to fees, which will be clearly disclosed at the time of use. Garanti Bank reserves the right to change or update fees at any time, and customers will be notified of any fee changes.
   • All fees are charged in accordance with the terms of your specific product or service agreement.

5. Liability

   • Garanti Bank is not liable for any losses or damages that result from your use of our services, except in cases of gross negligence or willful misconduct.
   • We are not responsible for any third-party services or websites that may be linked to or from our services.

6. Privacy

   • Your use of Garanti Bank’s services is governed by our Privacy Policy. By using our services, you consent to the collection, use, and disclosure of your personal information as described in the Privacy Policy.

7. Termination and Suspension

   • Garanti Bank may suspend or terminate your account at any time if we suspect fraudulent activity, a violation of these Terms, or non-compliance with regulatory requirements.
   • You may terminate your account at any time by contacting our customer support team.

8. Governing Law and Dispute Resolution

   • These Terms are governed by the laws of the jurisdiction in which Garanti Bank operates, without regard to its conflict of law principles.
   • Any disputes will be resolved through binding arbitration under the rules of the American Arbitration Association, and you waive the right to participate in class actions.

9. Changes to Terms and Conditions

   • Garanti Bank reserves the right to update or modify these Terms at any time. Any changes will be effective immediately upon posting on our website or notifying you through other means.
   • It is your responsibility to review these Terms periodically for any updates.