Terms & Conditions

Terms & Conditions

Introduction:

These terms and conditions will serve as a basis for your financial relationship with INFLUENCER SFX KITAP YAYINCILIGI TICARET LIMITED SIRKETI in Turkey and Sora Technologies in the US (hereinafter referred to as “the Fintech” or “we/us/our”). By choosing to open an account with us, you agree to the terms and conditions contained herein. You also agree to comply with the following policies, which are incorporated by reference into these terms and conditions:

(a) Privacy Policy;

(b) Anti-Money laundering Policy;

If you do not agree to these terms and conditions, please do not proceed and exit The Money App or the website immediately and do not proceed with the account opening steps. Please also note that we reserve the right to terminate your relationship with us if we believe you have violated any of these terms.

Interpretation:

For ease of understanding, “You,” “your,” or “Customer” means the person who seeks to enter into a financial relationship with “INFLUENCER SFX KITAP YAYINCILIGI TICARET LIMITED SIRKETI” or “Sora Technologies” and agrees to these terms and conditions. “We,” “us,” or “our” refers to Fintech, and following an assignment, any person or company to whom our rights herein are assigned.

About Us: INFLUENCER SFX KITAP YAYINCILIGI TICARET LIMITED SIRKETI is a financial technology (fintech) company operating in Turkey, and Sora Technologies Inc., is its counterpart in the United States.

Address:

YENIMAHALLE MAH. 3142 SK. SHT. ASB. ÖMER HALISDEMIR APT. NO: 3 IÇ KAPI

Trade Registry No: 36408-40305

Mersis No: 0465150706200001

The Objective of Our Relationship with You:

The objective of establishing a relationship with us is to provide you with access to the special financial services we offer, which include but are not limited to cross-border money transfers, savings and virtual card issuing and payment services, and any other services we are permitted by law to provide.

You can operate and manage your account via The Money App, which requires a smartphone with an active phone number/email and meets our minimum technology requirements (iOS/Android) to support the latest version of our app.

Applicability of These Terms:

These terms are applicable when you choose to open an account with us and we generate an account number for you.

We may modify these terms and conditions at any time, but we will notify you of any changes. Your continued use of our services after such modifications will constitute acceptance of the new terms. Updated terms will be available on our website and within The Money App.

Scope of the Relationship:

Opening an Account:

You must meet the following requirements to open an account:

1. Be at least 18 years old.

2. Be a citizen or resident of the country where the account is opened.

3. Meet our technology requirements.

4. Have a valid identity document.

Upon meeting these conditions and completing our Know-Your-Customer (KYC) checks, you may open an account with us. You authorize us to use your information to make and receive payments on your behalf through your account.

Verifying Your Identity:

We are required to verify your identity and collect the following minimum information during onboarding:

- Active phone number.

- Active Email.

- Country of residence

- Nationality

- Government issued ID or Biometric ID.

- Profile picture.

Additional documentation may be required depending on the account tier:

Tier 1: Name, Email, Phone Number, Selfie, Country of Origin and Residence, Biometric Identity, Government issued ID

Tier 2 : Name, Email, Phone Number Selfie, Country of Origin and Residence, Biometric Identity, Government issued ID, Residential address.

You agree to provide accurate and up-to-date information and authorize us to verify this information with third parties, including government agencies.

Spending Account:

Upon successful onboarding, we will open an account in your name and you will create a user name. Transactions on your account will be subject to certain limits based on your account type. You can perform various financial operations, such as money transfers, card payments, and more, via The Money App.

Tier 1: $3,000 Daily on money transfers and $10,000 Daily on card payments. Tier 2: $5,000 Daily on Money transfers and $10,000 Daily on card payments.

Transactions in excess of or in contravention of your account limits may be rejected or withheld in line with these terms and conditions. In such a case, you will be required to upgrade your account to accommodate the transaction(s), as applicable.

SFx Save - Savings Product:

SFx Save helps you save money with minimal effort through a USD wallet issued in USDT and USDC.

SFx Virtual Mastercard issued by Bridgecard INC On the money app, you can apply for a Card and once you complete the process, we will issue you a Card that can be used at POS Terminals, Merchant websites amongst others all based international and can also work in your local countries which accept the use of the applicable Card Scheme's cards, to obtain cash and/or make payments for goods and services, as applicable. You may also use your SFx Virtual Mastercard for contactless transactions, subject to the transaction limit set by you on your money app, which you may change anytime subject to applicable laws.

When we issue you a SFx Virtual Mastercard, you must use it for only lawful transactions and in accordance with our Card Issuance Terms and Conditions which you will have to accept at the point of applying for the Card. When you use your SFx Virtual Mastercard for transactions on other payment channels which are not owned or controlled by fintech, the rules of use of that channel apply in addition to our Card terms and conditions.

Transactions on your Account:

You can conclude financial transactions (bank transfers, card spending etc.) on the money app by logging onto the money app and following the on-screen instructions. You will need to enter the correct information with respect to every transaction you wish to undertake (counterparty bank account details, card payment details etc.).

It is your responsibility to make sure that the details you input are accurate and entered correctly. You will be liable for any error in information that may result in the transaction being unsuccessful or paid to the wrong beneficiary. We shall not be liable for any losses you incur from entering incorrect information with regard to any transaction you undertake.

Fees:

We charge fees and commissions for certain services and these fees vary based on the services. Our fees are charged in line with applicable laws and in line with our company ethos, we try to keep fees to a minimum. We are committed to being transparent and will disclose all applicable fees before you finalise a transaction.

Contact Information:

If you have any questions about your relationship with INFLUENCER SFX KITAP YAYINCILIGI TICARET LIMITED SIRKETI,or Sora Technologies, you can contact us via email using the details below or at any of our other channels (in app messages or our verified social media handles):

Email: [e-mail]

Applicable Law and Dispute Resolution:

These terms and conditions will be governed by the laws of Samsun and Delaware and the courts of Turkey(Samsun) and Delaware will have exclusive jurisdiction over any claim, dispute or matter related thereto. Notwithstanding the above, the Parties shall use their good faith efforts to resolve any dispute, controversy or claim of any nature whatsoever arising out of or in relation to or in connection with this agreement.

Company Details:

Sora Financial Technologies Inc. United States 1111B S Governors Ave STE 26538 Dover, DE 19904 Reg:20244413314

Turkiye Turkiye, Samsun, YENIMAHALLE MAH. 3142 SK. SHT. ASB. ÖMER HALISDEMIR APT. NO: 3 IÇ KAPI Tax ID: 4651507062