Last updated: 11 November 2026
These Terms of Use (the "Terms") set out the conditions for using the Hesapyap.net website, the Hesapyap mobile app and all related digital services (the "Service").
By using Hesapyap or creating an account, you confirm that you have read, understood and accepted these Terms and the Privacy Policy, which forms an integral part of them. If you do not accept the Terms, please do not use the Service. 1. Definitions
- Hesapyap ("We"): The Hesapyap platform that provides the Service, and its operator.
- User ("You"): The natural person who uses the Service.
- Account: The user profile opened with e-mail/password or social sign-in methods such as Google, Apple, GitHub or Facebook.
- Family: A group in which several users share common budget and finance data according to their roles.
- Community Fund ("Fund"): A record space where communities such as apartment buildings, housing estates, classes or associations track their dues, collections and expenses.
- Content: All data, text, documents, receipts and files you enter, save or upload to the Service.
2. Scope of the Service
Hesapyap is a financial tracking platform offering budget management and calculation tools at individual, family and community level. Main features:
- Finance Management: Income/expense tracking, categories, tags, budget plans, subscription tracking, debt and instalment planning, savings goals, foreign currency and gold rate tracking.
- Salary and Payroll Tools: Workplace and wage records, overtime, net-to-gross / gross-to-net salary calculations, estimated tax and deduction calculations.
- Family Budget: Sharing common accounts and expenses with authorized family members.
- Community Fund: Defining dues, recording collections, tracking shared expenses, uploading receipts/invoices and managing members.
- Utility Tools: Notes, tasks, link saving, RSS and price tracking.
- Calculators: Calculators such as loan, compound interest, inflation, late-payment interest, rent increase, VAT, salary, severance/notice pay, unemployment benefit and pension raise.
- AI Features: A site assistant that suggests tools and content, and a writing assistant.
- Notifications: E-mail, in-app notifications and mobile push notifications.
Hesapyap reserves the right to develop, change, limit or remove the features it offers without prior notice.
3. Opening an Account and Conditions of Use
- Age Limit: To use the Service on your own, you must be at least 18 years old and have the legal capacity to enter into a contract. People under 18 may use the Service only under a Family account created by their parent or guardian and under that person's responsibility.
- Accurate Information: You are responsible for keeping the information you provide at registration up to date and accurate.
- Opening an Account for Someone Else: A person may create more than one account; however, opening an account for someone else without their permission or impersonating them is prohibited.
- Social Sign-In: When you sign in with Google, Apple, GitHub or Facebook, that provider's own terms also apply. Accounts with the same e-mail address can be linked to each other from the profile.
4. Account Security
- You are personally responsible for the security of your password and session details. All actions taken through your account are deemed to have been taken by you.
- If you notice that your account is being used by unauthorized people, change your password immediately, close open sessions on the Profile → Security screen and report it to
info@agyuz.com.
- On mobile devices, we recommend keeping the biometric lock (Face ID / Fingerprint) turned on.
5. Acceptable Use
While using the Service, you agree not to:
- Enter content that is unlawful, against public order or the rights of third parties, misleading, insulting or hateful,
- Add or share personal data without a legal basis or the consent of the person concerned,
- Try to disrupt, overload or reverse-engineer the Service infrastructure, or pull data with automated bots, scrapers or unauthorized scripts,
- Upload malware, viruses or harmful code,
- Attempt unauthorized access to another user's account,
- Use the Service as a front for money laundering, usury, fraud or any illegal financial transaction,
- Resell or rent the Service to third parties for commercial purposes without our written permission.
If these rules are breached, your account may be suspended or permanently closed without prior notice.
6. Content Rights and Licence
- Ownership: All financial data, notes and documents you enter into Hesapyap belong to you.
- Licence of Use: So that the Service can work, you grant us a limited, non-transferable permission to host, process and back up your data and (to the extent you allow) display it to family or fund members.
- Lawfulness: You are fully responsible for ensuring that the content you upload complies with copyright and the law. We reserve the right to remove or block access to content reported as unlawful.
- Document Security: Invoice and receipt images you upload are kept in private storage and served only to authorized sessions through time-limited links.
7. Family Feature
- When you join a family group, shared data such as income, expenses, budgets and debts is shared with the other people in the group within the permissions you set.
- The user who creates and manages the family can invite members, edit their permissions and remove them from the group.
- Invitation links expire if not accepted within 14 days. What happens to data when you leave a family is governed by the rules in the Privacy Policy.
- Hesapyap cannot be held responsible for personal, financial or legal disputes between family members.
8. Community Fund
- No Payment Intermediation: The community fund is only a recording and tracking tool. Hesapyap is not a bank or payment institution; it does not collect, hold or transfer money and does not act as an intermediary for dues payments. Payments are made between members through external means.
- No Guarantee of Accuracy: Hesapyap does not audit or verify the accuracy of the dues, collections or receipts entered in a fund.
- Responsibility for Personal Data: A manager who adds residents or members to a fund confirms that they have the necessary permission to enter data such as names, flat numbers, phone numbers and e-mail addresses.
- Not Official Documents: Documents uploaded to a fund and the records kept there do not replace official accounting books or legal invoices. Hesapyap is not a party to debt or credit disputes between members.
- Ownership: When the fund manager closes their account, management passes to another member of the group so that the fund can continue. If no members remain in the group, the fund is deleted completely.
9. Salary, Payroll and Calculation Tools
- The calculators on the site or in the app (net/gross salary, severance, loans, tax brackets, etc.) are based on current legal parameters and are offered for information and estimation purposes only.
- These results are not official payroll, tax returns or binding legal documents.
- Changes in laws and tax rates may be reflected in the system with a delay. For official transactions, you should confirm with your accountant or the competent authorities.
10. No Investment or Financial Advice
- Hesapyap is not an investment advisory, portfolio management or tax advisory company.
- No chart, analysis, budget alert or AI assessment shown in the app constitutes investment advice.
- The exchange rates, gold prices and market data shown in the system come from third-party sources. You accept that this data may be delayed, incorrect or interrupted, and you will not base your financial decisions solely on it.
11. AI Features
- AI features are provided through independent infrastructure providers (OpenAI, OpenRouter, etc.). When you run a query or analysis, the related text is processed by these providers.
- You must not enter sensitive personal data such as your national ID number, credit card number or bank password into these tools.
- AI responses may contain hallucinations or errors; checking the accuracy of the generated text and analyses is the user's responsibility.
12. Notifications and Communication
- Password reset, security alerts and account notices are sent to your e-mail address by the nature of the Service.
- You can turn off mobile push notifications at any time in your device settings or the in-app menu.
- Because of technical infrastructure or carrier delays, instant delivery of notifications is not guaranteed.
13. Third-Party Integrations
The Service uses third-party infrastructure (Google, Apple, GitHub, Meta, OpenAI, OpenRouter, etc.) for cloud storage, notification delivery, e-mail sending and authentication. Hesapyap is not responsible for problems arising from these services' own terms or outages.
14. Mobile App and Store Terms
- The Hesapyap mobile app can be downloaded from the Apple App Store and Google Play. The user rules of these app stores continue to apply. Apple and Google are not parties to these Terms.
- Camera, photo library and notification access is requested only so that you can perform the related action (for example, taking a photo of an invoice and uploading it to a fund); location is not tracked in the background.
15. Intellectual Property
All intellectual and industrial property rights in Hesapyap's software code, database architecture, logo, interface designs, texts and algorithms belong to Hesapyap. The right granted to you is only a limited, non-exclusive permission to use the Service for personal purposes. Copying the platform, decompiling it into source code or producing a replica is prohibited.
16. Privacy and Personal Data
17. Closing and Deleting the Account
- By the User: You can permanently delete your account at any time in the mobile or web app (Profile → Security → Delete my account). Once deletion is complete, your data is irreversibly deleted or anonymized.
- By Hesapyap: Your account may be suspended or terminated in case of breach of these Terms, fraudulent acts or legal obligation.
- System and log records required by law are kept for the legal periods.
18. Disclaimer of Warranty and Limitation of Liability
- The Service is provided "as is" (as is) and "as available". No express or implied commitment is given that it will be uninterrupted, error-free or fully fit for every purpose.
- Hesapyap cannot be held responsible for indirect damages, loss of profit or loss of data arising from network failures, planned maintenance, third-party outages or data entry errors.
- Hesapyap's total liability for compensation for any reason (excluding gross negligence and intent) is limited to the total fee the user paid to Hesapyap in the last 12 months; for free use, to a maximum of 1,000 TL.
- The mandatory provisions of the Turkish Consumer Protection Law are reserved.
19. Changes to the Terms
These Terms may be updated from time to time in line with legal changes or new features added to the system. Significant changes are announced on the website or by in-app notice. Continuing to use the app after the update date means you accept the new terms. If you do not accept the changes, you can stop using the Service by deleting your account.
20. Dispute Resolution and Jurisdiction
These Terms are governed by the laws of the Republic of Türkiye. Turkish Courts and Enforcement Offices have jurisdiction over any dispute arising from these Terms. Users who are consumers may apply, within the legal monetary limits, to the Consumer Arbitration Committees or Consumer Courts where they reside.
The parties agree that, in any dispute, Hesapyap's server, database and system records constitute conclusive and binding evidence under Article 193 of the Turkish Code of Civil Procedure No. 6100.
21. Contact
You can contact us with any questions, notices and requests about these Terms: