Terms of Use

1. Scope and parties

These Terms of Use govern the use of the website at https://atomsigorta.com, operated by Atom Sigorta Insurance Brokerage Services. Anyone who visits the site, views its content or contacts the Agency through it is deemed to have accepted these terms.

If you do not accept the terms, please do not use the site. The Agency reserves the right to restrict access and to take legal action in the event of use that breaches these terms.

2. Definitions

In these terms, the following words have the meanings below:

Site

The website published at https://atomsigorta.com and operated by Atom Sigorta Insurance Brokerage Services.

Agency

Atom Sigorta Insurance Brokerage Services, the business carrying out insurance agency activities.

User

Any individual or legal entity who visits the Site for any purpose, or who contacts the Agency via WhatsApp, phone or e-mail through the Site.

Content

All material on the Site, including text, images, illustrations, icons, videos, tables and software code.

Quote request

A request sent by the User via WhatsApp, phone or e-mail to receive price and cover information for an insurance product.

3. Purpose and scope of the site

The site is the online shop window of the Agency, which has been operating as an insurance agency since 2020. Its purpose is to:

• give general information about the insurance lines and types of cover the Agency offers;
• provide explanations that help users tell which product suits their needs;
• make it possible to send quote requests and reach the Agency via WhatsApp, phone and e-mail;
• offer reference content such as the steps to take after a loss and frequently asked questions;
• share the Agency’s contact details, including its address, phone number, e-mail and opening hours.

No policies are sold and no online payments are taken through the site. An insurance contract is made between the relevant insurer and the policyholder, with the Agency acting as intermediary.

4. Nature of the content: for information only

All text, tables and explanations on the site are for general information. They must not be read as a personal quote or as a binding commitment about the scope of any cover.

• Descriptions of cover on the Site are summaries. The scope, exclusions, excesses and limits of any cover are set only by the policy issued and the general and special conditions attached to it.
• Nothing on the Site means a specific premium, a guarantee of acceptance or a commitment that a policy will be issued.
• Whether an insurer accepts a risk, and how it sets the cover and premium, is entirely up to that insurer’s own assessment.
• Because regulations change, information on the Site may become out of date over time; the Agency makes reasonable efforts to keep the content current.
• Information on the Site is not legal, financial or medical advice.

5. Quote requests and the policy process

Here is a summary of how a quote request you send us moves forward, and at what point it becomes binding:

1. 1

   Sending your request

   Messaging us on WhatsApp, calling or e-mailing us is only a quote request. On its own it does not create an insurance contract, nor does it oblige the Agency to provide a quote.

2. 2

   Assessment

   Your request is passed to the insurers we work with in the relevant line. Each insurer prepares a quote under its own underwriting rules, or may decline the request.

3. 3

   Receiving your quote

   The quote we send you is valid for the period stated on it, provided the information you have given is accurate.

4. 4

   Issuing the policy

   The insurance relationship begins once the premium is paid and the insurer issues the policy. Cover starts on the date and time written on the policy.

You are responsible for making sure the information you share in your quote request is accurate, up to date and complete. The duty of disclosure is fundamental in insurance law: a false or incomplete statement can reduce your cover or lead to a claim not being paid.

6. Intellectual property rights

All content on the site, including its design, text, illustrations, icon set, photos, videos, software code and page layout, as well as the rights to the Atom Sigorta trade name and logo, belong to the Agency or the relevant rights holders. The content is protected under Turkey’s Law No. 5846 on Intellectual and Artistic Works and other applicable legislation.

Copying, reproducing, adapting, distributing, republishing elsewhere or commercially using all or part of the content is not permitted without the Agency’s prior written consent. Viewing pages, printing them and quoting a reasonable amount with attribution for personal, non-commercial purposes are outside this restriction.

7. Rules for using the site

When using the site, you must avoid:

• using the Site in breach of applicable law, the principle of good faith or the rights of third parties;
• sending the Agency false, incomplete or someone else’s information;
• scraping or copying content in bulk with automated software, bots or data-scraping tools;
• doing anything that places a disproportionate load on, or disrupts, the Site’s infrastructure, security measures or servers;
• trying to introduce malware, viruses or similar code;
• attempting to gain unauthorised access or to reach other users’ data;
• using the Agency’s trade name, logo or content without permission in a misleading way.

If use in breach of these rules is detected, the Agency has the right to block access, decline to process the request and take legal action for any resulting damage.

8. Links and third-party content

The site may contain links to the Agency’s social media accounts or to platforms it uses (such as WhatsApp). When you click these links, that platform’s own terms of use and privacy practices apply; the Agency has no control over this content and cannot be held responsible for any consequences arising from it.

Third parties may not, without the Agency’s written permission, link to the site by framing, present its content as part of their own site or use links in a way that suggests a connection with the Agency.

9. Limitation of liability

The Agency limits its liability for the consequences of using the site and its content as follows:

• The Site is provided as is. The Agency does not promise that it will run without interruption or errors; there may be temporary outages due to maintenance, technical faults or infrastructure issues.
• Reasonable care is taken to keep the content accurate and up to date. Even so, the Agency cannot be held liable for indirect losses arising from factual errors, omissions or outdated information.
• Decisions a User makes based on the general explanations on the Site before a policy is issued are their own responsibility. The binding documents are the signed quote and the policy issued.
• The consequences of an insurer’s underwriting decisions, its assessment of claims payments and its application of the policy’s general conditions are the responsibility of that insurer.
• If cover is reduced or lost because a User’s statements were false or incomplete, the responsibility lies with the User.
• The Agency is not liable for failing to meet its obligations in cases of force majeure, such as natural disasters, epidemics, infrastructure and power outages, cyber-attacks or decisions of public authorities.

This section cannot be interpreted as removing the Agency’s liability for intent or gross negligence, or any mandatory provisions of consumer protection law.

10. Personal data and cookies

Personal data you share with us through the site is processed under Turkey’s Law No. 6698 on the Protection of Personal Data (KVKK). You can find which data is processed and why, how long it is kept and what your rights are in our Privacy Policy.

For information about the cookies used on the site and how to manage them in your browser, please see our Cookie Policy. Both documents form an integral part of these Terms of Use.

11. Right to make changes

The Agency reserves the right to change the site’s content, structure and services, or to suspend or end its publication, without prior notice. These Terms of Use may also be updated in line with changes in the law or in our business processes.

The current text is always published on this page and takes effect on the date it is published. By continuing to use the site, you accept the updated terms.

Last updated: September 2026

12. Governing law and jurisdiction

These Terms of Use are governed by and interpreted under the laws of the Republic of Turkey. The Istanbul Anatolian Courts and Enforcement Offices have jurisdiction over any disputes arising from them.

If you are acting as a consumer, your right to apply to Consumer Arbitration Committees and Consumer Courts, within the monetary limits set by consumer legislation, is reserved. For disputes arising from an insurance contract, the arbitration and application routes provided for in the relevant legislation may apply.

13. Contact

If you have any questions or requests about these terms, you can reach us through the channels below:

Business name

Atom Sigorta Insurance Brokerage Services

Address

Cumhuriyet Mah. Rıhtım Sk. No: 12 Daire: 5, Üsküdar / Istanbul

Phone

0850 303 28 66

E-mail

hakan@atomsigorta.com