PAPEL WALLET CUSTOMER CLARIFICATION TEXT ON THE PROTECTION AND
PROCESSING OF PERSONAL DATA

Papel Elektronik Para ve Ödeme Hizmetleri Anonim Şirketi ("Our Company" or "Papel"), as the data
controller residing at Maslak Mah. Eski Büyükdere Cad. Link Plaza Sitesi Link Plaza Blok No: 3-5
Interior Door No: 33 Sarıyer/İstanbul, may process, transfer and store your general or special
categories of personal data within the framework of the following purposes and conditions in
accordance with the Personal Data Protection Law No. 6698 ("KVKK").
This Papel Wallet Customer Clarification Text on the Protection and Processing of Personal Data
("Clarification Text") has been prepared to inform Papel Wallet ("Wallet") users about how and why
we collect, process, store and transfer your personal data and to whom and for what reason.

1. Methods of Collection of Personal Data
In the following cases, we may collect your personal data from you, from the information and
documents you have submitted to Papel, through the mobile application and website, from the devices
you use, from public platforms and social media accounts or through other persons and institutions we
have contracted with or authorised public institutions and organisations, digitally or physically, in
written, verbal or voice recording form, automatically or non-automatically:
(i) When you create a Wallet account,
(ii) When you verify your Wallet account,
(iii)When you contact us via our customer service, social media accounts or other communication
channels,
(iv) When you log in to your account or make any payment transaction such as top-up, withdrawal
or transfer of funds.
(v) from other payment service providers in order to make open banking services available to
you.

2. Processed Personal Data
Papel will process your personal data for the purposes specified in this Clarification Text. In case of
any change in your personal data and/or purposes, Papel will update this Clarification Text and publish
the current version separately. The personal data belonging to you as a Customer collected and used by Papel are as follows:

Data Category Personal Data
Identity Data Identity data such as name-surname, previous surname, Turkish ID
number, parents' name, gender, place and date of birth, province, district,
neighbourhood, village, signature, ID serial number and expiry date on
the ID card and/or driving licence, identity data such as account name
(alias).

Contact Data Contact data such as telephone number, e-mail, address, residence
address, workplace address, proof of residence.
Location Data Geolocation information of the device where the Wallet is used.

Financial Data Financial transaction data such as monthly net income, bank account and
debit/credit card information, invoice amount, invoice subscription
number, Customer ID, Virtual Card data, current balance, limit
information, monetary expenditure transactions, blocked transactions,
cashback information.

Audio and Visual Data Photo, video, audio recording data.

Occupational Data Job and occupational data.

Customer Transaction Data
Customer transaction data such as call centre records, past transaction
records, invoice information, automatic invoice payment instruction
information, receipt information, campaign information participated in.

Transaction security Transaction security data such as IP address, Wallet login-logout
information, successful and unsuccessful login attempts to the Wallet,
password information, security question.

Marketing Data Shopping history information, segment information, information
obtained through campaigns.

Legal Proceedings Data
All kinds of documents and contracts provided by individual customers
or received from courts and administrative authorities.

Biometric Data Face recognition data.

3. Purposes of Processing Personal Data
Your personal data may be recorded, stored, preserved, modified, reorganised, disclosed, transferred,
made available, classified or prevented from being used by automatic or non-automatic methods in
order to achieve the following purposes in accordance with the applicable legislation and KVKK. The
main processing purposes of your personal data are as follows, and our processing purposes may be
updated due to changes in our company policies and legislation:
(i) To fulfil our legal obligations expressly stipulated in the laws, in particular the Law No. 6493
on Payment and Securities Settlement Systems, Payment Services and Electronic Money
Institutions ("Law No. 6493"), the Law No. 5651 on the Regulation of Publications on the
Internet and Combating Crimes Committed through These Publications and MASAK
Legislation,
(ii) To ensure the establishment and performance of the contract to which you are a party by
accepting the framework agreement regarding the payment service offered by Papel,
(iii) Completing the registration stages, creating users and accounts, carrying out customer and
identity verification processes, and ensuring secure access to the application,
(iv) Personalisation of the Wallet by the user, management of the permissions in the application,
(v) In companies where mobile application, website, representation or co-operation is provided, to
benefit from the products and services offered by Papel and the relevant company, to make
informative and guiding communications, to provide information on transactions and
transaction follow-up, to print and transmit prepaid cards,
(vi) Carrying out finance and accounting transactions, keeping current accounts and following up
the processes, ensuring financial reconciliation with the companies we cooperate with,
(vii) Storing the information as required by the legislation, copying and backing up the information
in order to prevent loss of information, ensuring that the data is accurate and up-to-date,
checking the consistency of the information and planning and execution of audit activities,
(viii) Ensuring information and operational security, assessing, determining and managing risk
levels, performing suspicious transaction and user controls, and taking necessary actions in
inappropriate situations,
(ix) Keeping systematic records, reporting, planning and conducting analyses, and carrying out
strategy and business development processes,
(x) Receiving complaints, opinions, suggestions and error notifications submitted to the call
centre and support team or shared publicly, providing necessary information and providing
guidance; collecting and evaluating customer evaluations, performing all transactions based on
user requests such as expenditure objection, user information change,
(xi) Sharing with regulatory and supervisory authorities such as the Central Bank of the Republic
of Turkey, as required or obliged by legal regulations, in order to ensure the fulfilment of legal
obligations, follow-up of contractual processes and/or legal requests,
(xii) To improve our website and applications, to improve user experience, to increase reliability,
(xiii) To perform internal purposes such as quality control, call centre and operations,
(xiv) To ensure and improve coordination, co-operation and efficiency among the units within the
Company,
(xv) To ensure the healthy functioning of the Wallet and to protect users against potential or
existing risks,
(xvi) To detect, prevent and investigate suspicious or unlawful transactions, to provide information
to the relevant authorities in this regard, to manage the necessary administrative and legal
processes,
(xvii) To inform you about changes in our Company's policies and procedures,
(xviii) To ensure the security of our Company's electronic systems and physical environments,
(xix) To be able to offer open banking services.
At the same time, your personal data may also be processed for the following purposes in the presence
of your explicit consent:
(i) Instant campaign notification according to your location data,
(ii) Carrying out data, customer and marketing analyses,
(iii) Ensuring participation in a lottery, special prize, competition or similar event, carrying out the
processes and informing the authorised institutions,
(iv) Processing by Papel for the purpose of designing, planning and execution of personalised
advertising, campaigns, promotions, product service promotion processes and communicating
for these purposes and transferring data to Papel's domestic and foreign service providers.
(v) Processing of your biometric data within the scope of identification and verification processes
carried out by means of remote communication.
If you withdraw your explicit consent, Papel will cease to process and transfer data for the specified
purposes.

4. Legal Grounds for Processing Personal Data
We process your personal data only if there is a valid legal reason in accordance with the KVKK and,
where necessary, in the presence of your explicit consent. We process your personal data in accordance with our purpose of collecting your personal data and on the basis of the legal reasons stated below.
Explicitly stipulated in the Laws: In case it is explicitly stipulated in the laws, your personal data is processed in accordance with the law. Within the framework of the provisions stipulated in Law No. 6493 and its secondary regulations, your identity data, communication data, financial data, audio-visual data, professional data, transaction security data, legal transaction data, customer transaction data, etc. Your data must be processed.
Establishment and Performance of the Contract: When you accept the framework agreement regarding the payment service offered by Papel, a contract is established between you and Papel. Papel processes your identity data, communication data, financial data, visual and audio data, professional data, transaction security data, legal transaction data, customer transaction data in order to establish the aforementioned contract and to fulfil its obligations arising from this contract.
Fulfilment of Our Legal Obligations: Your personal data is processed in order to comply with the regulations that impose obligations on Papel in accordance with the legislation in force. For example, upon the request of the Chief Public Prosecutor's Office or courts, your data such as your identity and contact information and customer transaction and transaction security data may be shared.
Presence of Legitimate Interest of the Data Controller: Provided that it does not harm your fundamental rights and freedoms, we may process your personal data for our legitimate interests such as ensuring that our applications work more efficiently and effectively and protecting the security of our applications and electronic systems.
Necessity for the Establishment, Exercise or Protection of a Right: Your personal data may be processed because it is mandatory for the establishment, exercise or protection of a right. For example, your personal data is processed in order to file a lawsuit or to respond to a lawsuit filed by you.
Publicised by the Relevant Person: Your data made public by you as the data subject can be processed by Papel. For example, data such as your contact data made public through Papel's communication channels can be processed to solve your problems and complaints and to contact you.
Open Consent: Pursuant to Law No. 6563 on the Regulation of Electronic Commerce and the relevant legislation, the promotion of the services, special offers or campaigns offered by us is only possible with your explicit consent. In case you have given your explicit consent for sending commercial electronic messages, we may process your personal data within the framework of your consent for the purpose of promoting our services, special offers or campaigns, conducting marketing communication activities and survey applications, and in this context, we may send SMS or electronic mail, and transfer personal data to our service providers at home and abroad. In addition, your biometric data is processed within the scope of your explicit consent in order to identify and verify your identity through remote communication.

5. Transfer of Personal Data to Third Parties
Your personal data may be disclosed to group companies, shareholders, authorised institutions and organisations, suppliers, representatives, external service providers, other payment service providers,
Central Bank of the Republic of Turkey for the purposes specified in Article 3 above, provided that the conditions stipulated in Articles 4 and 8 of the KVKK are complied with and necessary security measures are taken, We may transfer your personal data to official institutions and judicial authorities such as the Information and Communication Technologies and Communications Authority, Financial Crimes Investigation Board, Revenue Administration, Chief Public Prosecutors' Offices and courts, consultants and law offices, payment service providers contracted with invoice payment institutions for intermediary transactions for invoice collection, independent audit companies. Third parties with whom we share your personal data may only process your personal data limited to the purpose of transfer, unless there is another regulation in the legislation.
In addition, in the presence of your explicit consent, your personal data in the categories of identity, communication, location, customer transaction, finance and marketing will be transferred to our Company's domestic and foreign service providers in order to design, plan and execute personalised advertising, campaign, promotion, product service promotion processes and to communicate for these purposes.

6. Your Rights as a Personal Data Owner
Pursuant to Article 11 of the KVKK, you have the following rights as a personal data owner:
(i) To learn whether your personal data is being processed or not,
(ii) Requesting information if your personal data has been processed,
(iii) To learn the purpose of processing your personal data and whether they are used in accordance with their purpose,
(iv) To know the third parties to whom your personal data are transferred domestically or abroad,
(v) To request correction of your personal data in case of incomplete or incorrect processing,
(vi) To request the deletion or destruction of your personal data in case the reasons requiring their processing disappear,
(vii) Request notification of correction and deletion to third parties to whom your personal data are transferred,
(viii) Object to the occurrence of a result that is to your detriment by analysing personal data exclusively through automated systems,
(ix) In case you suffer damage due to unlawful processing of your personal data, to request compensation for your damage Pursuant to Article 13 of the KVKK, if you wish to exercise any of your rights mentioned above as a personal data owner, you may submit your request in the following ways by filling out your request in accordance with the instructions written in the data owner application form on our Company's website.
(i) "Maslak Mah. Eski Büyükdere Cad. Link Plaza Site Link Plaza Block No: 3-5 Interior Door No: 33 Sarıyer/İstanbul" in person or through a notary public or
(ii) by registered electronic mail (KEP) to our registered e-mail address "papelelektronik@hs01.kep.tr" or
(iii) by using secure electronic signature, mobile signature or your e-mail address previously notified to us and registered in our system to our e-mail address "destek@papel.com.tr" Sincerely,
Papel Elektronik Para ve Ödeme Hizmetleri Anonim Şirketi

Papel Individual Customer Clarification Text

COMMERCIAL ELECTRONIC COMMUNICATION APPROVAL
Within the scope of Law No. 6563 on the Regulation of Electronic Commerce and its secondary regulations, I accept that Papel Elektronik Para ve Ödeme Hizmetleri Anonim Şirketi and the intermediary service providers authorised by Papel send me all kinds of commercial electronic messages, including the promotion of new products or services, special offers and campaigns, marketing communication activities and survey applications, and for this purpose, I accept the processing of my personal data in the categories of identity, communication, location, customer transaction and marketing.


Commercial Electronic Messages

PAPEL ELEKTRONİK PARA VE ÖDEME HİZMETLERİ ANONİM ŞİRKETİ 
CLARIFICATION TEXT ON COOKIES

I. GENERAL
This text has been prepared by PAPEL ELEKTRONİK PARA VE ÖDEME HİZMETLERİ ANONİM ŞİRKETİ ("PAPEL", "We" or "Our Company") as the data controller within the scope of Article 10 of the Personal Data Protection Law No. 6698 ("Law") and the Communiqué on the Procedures and Principles to be Followed in Fulfillment of the Disclosure Obligation.
In this Clarification Text on Cookies, the term "cookie" is used to refer to cookies and similar technologies that may be used by PAPEL. The purpose of this Cookie Privacy Notice, papel.com.tr ("Website"), mobile applications, electronic platforms, other applications and electronic mail messages or advertisements we send to you, to inform you about the purposes for which we use which types of cookies and how you can manage these cookies regarding the processing of personal data obtained automatically through the placement of cookies used in similar technologies such as cookies or pixel tags, flash cookies and internet beacons on your device, which enable the recording and collection of certain data on users' computers, mobile phones, tablets or other devices used for access.
For cookies other than the mandatory cookies we use, the explicit consent of the users is obtained and they are provided with the opportunity to change their consent at any time. Users can see the types of cookies used on our website through the cookie management panel and can set their preferences with "on" or "off" options for all cookies other than Mandatory Cookies. Also, users can change their preferences at any time through this panel. 

II. TYPES OF COOKIES
Cookies can be categorized according to their duration, domain name and purpose of use.
Types of cookies according to the duration of use: Session cookies and persistent cookies are used on our website according to the duration of use. Session cookies are used to ensure the continuity of the session and these cookies are deleted when the user closes the browser. Persistent cookies, on the other hand, are not deleted when the internet browser is closed and are automatically deleted on a certain date or after a certain period of time.
First-party and third-party cookies: Whether the cookie is first-party or third-party depends on the cookie placed by the website or domain. First-party cookies are placed directly by the website visited by the user, i.e. the internet address shown in the address bar of the browser (papel.com.tr). Third-party cookies are placed by a domain different from the domain visited by the user.

Types of cookies according to their intended use: 
As PAPEL, the following cookies are used on the Website and our other platforms, applications, advertisements and messages according to the purpose of use:
1. Mandatory Cookies: These cookies are necessary for the operation of our website. These cookies are first-party cookies that process personal data during the session (except for cookies related to your privacy preferences, as these cookies last longer than the session duration) and are automatically deleted when the session ends. These cookies are used compulsorily in order to fulfill an information society service you have requested (log-in, form filling and remembering privacy preferences). In addition, the cookie for performance and analytical purposes allows counting visitors and measuring traffic on our website and is first-party. In this way, we are able to measure and improve the performance of our website. These cookies help us understand which pages on our website are the most popular and which pages are the least popular.
2. Advertising/Marketing Cookies: These cookies are cookies placed by our advertising partners through our website and are third party cookies. These cookies are used by our business partners to profile you according to your interests and to show you relevant advertisements.
3. Functional Cookies: These types of cookies are used to make our website more functional and for personalization purposes (ensuring that your other preferences, except for your privacy preferences, are remembered when you re-enter the site).

Purposes and Legal Grounds for Processing Personal Data 
Mandatory cookies are used to fulfill an information society service you have requested (remembering log-in, form filling and privacy preferences, counting visitors on our website and measuring traffic). Your personal data collected through these cookies are processed within the scope of subparagraph (c) of paragraph (2) of Article 5 of the Law "Provided that it is directly related to the establishment or performance of a contract, it is necessary to process personal data belonging to the parties to the contract" or subparagraph (f) "Provided that it does not harm the fundamental rights and freedoms of the data subject, data processing is mandatory for the legitimate interests of the data controller".
Advertising and Marketing cookies are used by our business partners to profile you according to your interests and to show you relevant advertisements. Your personal data collected through these cookies are processed by obtaining your explicit consent within the scope of paragraph (1) of Article 5 of the Law.
Functional cookies are used to make our website more functional and personalize it (to ensure that your other preferences, except for your privacy preferences, are remembered when you re-enter the site). Your personal data collected through these cookies are processed by obtaining your explicit consent within the scope of paragraph (1) of Article 5 of the Law.
Information about the cookies on our website is given in the table below:
Name of the Cookie -Purpose of the Cookie- Type of the Cookie- Storage Period of the Cookie
access_token are cookies that are necessary for the operation of our website and are mandatory for the fulfillment of an information society service (log-in) you have requested. They are actively placed when the page is entered. First Party - Mandatory Cookie stored for the duration of the session.
app_data Used for application performance. First Party - Mandatory Cookie Stored for the duration of the session.

REQUESTS OF PERSONS CONCERNED
Data subjects whose personal data are processed through cookies used on our website may submit their requests within the scope of Article 11 of the Law on the Protection of Personal Data in accordance with the "Communiqué on the Procedures and Principles of Application to the Data Controller" by filling out the Data Owner Application Form on our website to Maslak Mahallesi Eski Büyükdere Caddesi Link Plaza Sitesi Link Plaza Blok No: 3-5 İç Kapı No: 33 Sarıyer/İstanbul in person or through a notary public or [•] registered electronic mail address via secure electronic signature, mobile signature or your electronic mail address previously notified to us and registered in our system.

PAPEL ELEKTRONİK PARA VE ÖDEME HİZMETLERİ ANONİM ŞİRKETİ

COOKIE SETTINGS FROM BROWSER SETTINGS
You can change your preferences regarding cookies at any time by clicking on the icon (ICON) on our website. Turn the buttons in the cookie management panel on or off according to your preference and click the "Save settings" button. Refresh the page to make your settings active.
In addition, partial control can also be provided through browser settings. You can access information on the management of cookies in frequently used browsers via the links below:
Google Chrome
https://support.google.com/accounts/answer/61416?co=GENIE.Platform%3DDesktop&hl=tr
Mozilla Firefox
https://support.mozilla.org/tr/kb/masaustufirefox-surumunde-gelismis-izlenme-koruma
Safari
https://help.apple.com/safari/mac/9.0/#/sfri40732
Opera
https://help.opera.com/en/latest/web-preferences/

Cookies

CONSUMER INFORMATION FORM
This Consumer Information Form ("Form"); has been prepared by Papel Elektronik Para ve Ödeme Hizmetleri Anonim Şirketi ("Papel"), residing at Maslak Mah. Eski Büyükdere Cad. Link Plaza Sitesi Link Plaza Blok No: 3-5 Inner Door No: 33 Sarıyer/İstanbul, 0721080593400001 Mersis numbered, to inform our customers who have the title of consumer in accordance with Article 48 of the Regulation on Payment Services and Electronic Money Issuance and Payment Service Providers.
You can reach Papel via destek@papel.com.tr e-mail address or 0 (850) 241 24 24 telephone line. For more detailed information about the services offered by Papel, you can visit the website papel.com.tr.
1.	RIGHT OF COMPLAINT AND OBJECTION
1.1.	You can make any complaints and objections regarding the services provided by Papel via Papel's e-mail address or telephone number specified above and/or via notary public or registered mail to Papel's address specified in this Form.
1.2.	Papel will respond to your complaints and appeals in a provable and reasoned manner within 20 (twenty) days from the date of your application.
1.3.	In order to evaluate and resolve the disputes that may arise between you and Papel, you may apply to the arbitration committees established by the Association of Payment and Electronic Money Institutions of Turkey, without prejudice to the provisions of the Law on Consumer Protection dated 7/11/2013 and numbered 6502 and the application rights granted by other laws.
1.4.	Before applying to the arbitral tribunal in accordance with Article 1.3., you must apply to Papel in writing within 2 (two) years at the latest from the date of the transaction or action subject to the dispute. If Papel does not respond to your application within 20 (twenty) days from the date of your application, you can apply to the arbitral tribunal by filling out the relevant application form within 60 (sixty) days from the date of the response if you are of the opinion that the response given by Papel is not sufficient. You can access the application form via https://todeb.org.tr/hakemheyetibasvuruformu/.
1.5.	After filling in the relevant information in the application form and uploading the required documents, your application will be electronically transmitted to the Association of Payment and Electronic Money Institutions of Turkey.

2.	ALTERNATIVE ACCESS CHANNELS AND INNOVATIVE PAYMENT METHODS
Following the developments in the field of financial technology, the payment methods that consumers can benefit from are not limited to methods such as EFT or bank transfer, and the number of alternative and innovative payment methods is increasing day by day. Alternative payment methods offer consumers various and secure payment options.
As Papel, we produce innovative solutions as an alternative to traditional payment methods and make them available to our consumers. In this context, our digital wallet application and virtual POS services, which we offer from the mobile application, have an important place in terms of offering alternative and innovative payment methods to consumers.
3.	SAFETY AND PROTECTION MEASURES
Since the Internet is built on a structure with wide borders due to its nature, consumers are at risk of being exposed to malicious attacks such as fraud, fraud, virus infection, unauthorised access, theft of passwords and personal information. Papel has taken all measures enabled by technology to minimise these risks. We make some suggestions below to ensure that you can provide the services you have received from Papel in a safer way. As a conscious internet user, having information about the issues we have mentioned below and taking your own precautions will enable you to benefit more safely from the transactions you will perform over the internet:
The green lock icon in the address bar of the internet browser means that our website is Papel'e and you can use it safely.
Do not trust links on other websites or e-mails. Do not use these links for access.
Do not click on links that you are not sure of the source. 
You must protect and keep your account number, user information and password confidential. Papel is liable for damages and losses that may arise from the use of your payment instrument or customer security information by third parties, only two hundred and fifty liras of the damage arising from unauthorised payment transactions that occur within twenty-four hours prior to your notification to Papel that your payment instrument or customer security information is in the use of third parties. Papel is not responsible for any other damages and losses. 
Do not share your account password with anyone, including Papel staff, to avoid fraud attempts. In case of suspicion of fraud, you should immediately call our call centre at 0 (850) 241 24 24 and report the situation.
Papel never sends e-mails to its customers asking for their passwords, requesting personal information or requesting updates.
You can follow your transaction and balance information in the mobile application.
Do not create your password in an easily guessable way.
Do not transfer money to people you do not know.
Check your account movements periodically. If you encounter a suspicious transaction, you should call our call centre at 0 (850) 241 24 24.
Receipts of your transactions can be obtained through the mobile application.
In the event that your phone to which the SMS password is sent is lost, stolen or taken away for any reason, you should immediately call our call centre at 0 (850) 241 24 24 24 and report it.
Your card information is never requested by Papel by contacting via phone, sms, mail, etc. channels.
You can report your complaints about the problems you have experienced in the purchase of services by calling our call centre at 0 (850) 241 24 24 24.
You can access information, interruptions, announcements and warnings regarding the services offered on the papel.com.tr website or you can get information by calling our call centre at 0 (850) 241 24 24 24.
Do not rely on any information received through any channel other than our papel.com.tr internet address or our call centre at 0 (850) 241 24 24 24.
4.	FEES
You can access information about the fees for the services provided by Papel through the Fees Annex on Papel's website. Pricing for the services provided by Papel is determined by considering cost and performance, and due care is taken to ensure that the pricing is fair and transparent.

Customer Information Form

DATA SUBJECT APPLICATION FORM 
Papel Elektronik Para ve Ödeme Hizmetleri Anonim Şirketi (“Papel”) has created this Application Form in order to evaluate the applications to be made by the data owners within the framework of Article 11 of the Personal Data Protection Law No. 6698 (“KVK Law”) faster and healthier.
You can contact us by calling +90 850 241 241 24 24 during working days and hours for your questions regarding the completion of the form, and you can be informed about your rights specified in Article 11 of the KVK Law and Papel's data processing activities.
I. Rights of the Data Subject
Before filling out this Application Form, you can read Papel's Clarification Text on the Processing of Personal Data, which is available on our Company's website https://papel.com.tr/kvkk and you can be informed about your rights specified in Article 11 of the KVK Law and Papel's data processing activities.
II. Application Method
Pursuant to the first paragraph of Article 13 of the KVK Law; applications to be made to our Company, which is the data controller, regarding these rights must be submitted in writing and by the following methods determined by the Personal Data Protection Board.
In case you wish to exercise any of your rights specified in Article 11 of the KVK Law, you must fill out this Application Form and submit it together with the attachments specified under Title IV,
(i) Submit a wet signed copy of the form to Maslak Mah. Eski Büyükdere Cad. Link Plaza Site Link Plaza Block No: 3-5 Interior Door No: 33 Sarıyer/Istanbul address with a personal application (“Information Request within the scope of the Law on the Protection of Personal Data” will be written on the envelope) or
(ii) Submit a wet signed copy of the form to Maslak Mah. Eski Büyükdere Cad. Link Plaza Site Link Plaza Block No: 3-5 Interior Door No: 33 Sarıyer/Istanbul address via notary public (“Information Request within the scope of the Law on the Protection of Personal Data” will be written on the notification envelope) or
(iii) The form should be sent by registered e-mail (KEP) to the registered e-mail address papelelektronik@hs01.kep.tr (the subject of the e-mail shall be “Information Request within the scope of the Law on the Protection of Personal Data”) or
(iv) Send it to the e-mail address destek@papel.com.tr using secure electronic signature, mobile signature or your e-mail address previously notified to us and registered in our system. (The subject of the e-mail will be “Information Request within the scope of the Law on the Protection of Personal Data”)
III.  Information on the Data Subject
Please provide the information and documents requested below completely and accurately. This information must be included in your application in accordance with the Communiqué on the Procedures and Principles of Application to the Data Controller.
Name and Surname      : _________________________________________________
T.C. Identity Number      : __________________________________________________
Passport/ID Number      : __________________________________________________
(For Foreigners)
Nationality (For Foreigners)       :__________________________________________________
Address       :__________________________________________________
Telephone Number (if available):__________________________________________________
E-mail Address (if available)     : __________________________________________________
Please select the appropriate option from the following about your relationship with Papel and write in the space below whether the relationship is still continuing, if it has ended, in which periods it has continued, and if any, the information of the authority you are in contact with within the scope of your relationship with Papel.
Customer  Potential Customer
Employee


Job Applicant

Supplier/Business Partner/Subcontractor
Visitor

Partner
Other (________________)


IV. Data Subject's Requests
Please indicate your request or requests regarding personal data by ticking the relevant box (X) below. If you make a request by selecting the relevant box, you will be required to submit the information and documents required to be provided regarding the subject of the relevant request to Papel together with this Form.
Demand Choice Required Information/Documentation
I would like to learn whether my personal data is processed by Papel.  If there is any specific data that you believe is processed, please indicate in the space provided at the end of this table.
In case my personal data is processed by Papel, I would like to learn for what purpose my personal data is processed.  If there is any specific data you would like to know for what purpose it is processed, please indicate in the space left at the end of this table.
In case my personal data are processed by Papel, I would like to learn the purpose of processing my personal data and whether they are used by Papel in accordance with their purpose.  If there is a specific data subject to your request, please indicate it in the space left at the end of this table.
In case my personal data is transferred to third parties by Papel, I would like to learn the third parties to whom my personal data is transferred by Papel.  If there is a specific data subject to your request, please indicate it in the space left at the end of this table.
I want my personal data processed incompletely or incorrectly by Papel to be corrected.  Please indicate your personal data that you think is incomplete or incorrectly processed and how you would like it to be corrected in the space left at the end of this table or in the attachment of the Form, and submit documents such as a photocopy of your identity card, invoice, residence certificate confirming your request for correction in the attachment of this Form.
I want my personal data, which I believe to be incomplete/incorrectly processed, to be corrected by third parties to whom they are transferred.   Please indicate your personal data that you think is incomplete or incorrectly processed and how you would like it to be corrected in the space left at the end of this table or in the attachment of the Form, and submit documents such as a photocopy of your identity card, invoice, residence certificate confirming your request for correction in the attachment of this Form.
I want my personal data to be deleted/destroyed due to the disappearance of the reasons requiring their processing.  Please indicate in the space left at the end of this table or in the attachment of the Form why you think the reason for processing has disappeared, the data you want to be deleted/destroyed, and if any, please submit other information/documents that substantiate your request in the attachment of the Form.
I want my personal data to be deleted/destroyed by third parties to whom they are transferred due to the disappearance of the reasons requiring their processing.   Please indicate in the space left at the end of this table or in the attachment of the Form why you think the reason for processing has disappeared, the data you want to be deleted/destroyed, and if any, please submit other information/documents that substantiate your request in the attachment of the Form.
I believe that my personal data processed by Papel has been analysed exclusively by means of automated systems and that a result has arisen against me as a result of this analysis and I object to this result.  Please indicate your data that you think are analysed by means of automated systems and the result that you think is against you in the space left at the end of this table or in the attachment of the Form and, if any, submit the information/documents confirming your request in the attachment of the Form.
I demand compensation for the damage I have suffered due to unlawful processing of my personal data.  Please indicate why you believe that your personal data has been processed unlawfully, together with the unlawful processing activity and the damage you have suffered, in the space left at the end of this table or in the attachment of the form. In the attachment of the form, you can also submit the Personal Data Protection Board or court decisions supporting / proving your request.
Please specify below the requested information regarding your above-mentioned requests and the documents you have submitted in the attachment of the Form.
________________________________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
______________________________________________________________________________
V.  Finalisation of the Application and Notification of the Result of the Application
Papel will evaluate and finalise your request within thirty days at the latest, depending on the nature of the request. Positive or negative responses to your request may be notified to you in writing or electronically. If you have a preference to receive the result of the application by mail or electronic mail, you must indicate this preference below with the address/electronic mail address to which the mail/electronic mail will be sent:
I would like to receive a reply to my application by e-mail.

I would like the reply to my application to be sent by post.

Although your requests will be finalised free of charge as a rule, if the reply to your request requires an additional cost, a fee may be charged in the amounts determined within the framework of the relevant legislation.
If Papel needs additional information to finalise the request or if it cannot be confirmed that the application is made by the data subject, you may be contacted through your contact information specified in this Form or available at Papel.
Your applications submitted to us will be answered within thirty days from the date of receipt of your request, depending on the nature of the request, in accordance with paragraph 2 of Article 13 of the KVK Law. Our responses will be delivered to you in writing or electronically in accordance with the provision of Article 13 of the relevant KVK Law.
VI.  Declaration
I kindly request that the application I have made in accordance with the KVK Law be evaluated and finalised in line with the requests I have stated in this Application Form.
Data Owner
Name Surname:
Application Date:
Signature:


Data Subject Application Form

I hereby give my consent for Papel Elektronik Para ve Ödeme Hizmetleri Anonim Şirketi ("Papel") to process my personal data in the categories of identity, communication, location, customer transaction, finance and marketing for the purpose of instant campaign notification according to my location data, to carry out data, customer and marketing analysis studies, to ensure my participation in a lottery, special prize, competition or similar event, to design, plan and execute personalised advertising, campaign, promotion, product service promotion processes and to communicate for these purposes, and to transfer my personal data in the category of identity, communication, location, customer transaction, finance and marketing to service providers in Turkey and abroad for this purpose.
I declare that I know that I can withdraw my explicit consent at any time and that the processing of my personal data for the above purposes will be terminated by Papel as of the moment of withdrawal.

TEXT OF EXPLICIT CONSENT FOR BIOMETRIC DATA PROCESSING
I consent to the processing of my biometric data by Papel Elektronik Para ve Ödeme Hizmetleri Anonim Şirketi ("Papel") and external service providers authorised by Papel only for this purpose in the identification and verification processes carried out through Mobile Application.

TEXT OF EXPLICIT CONSENT
Within the scope of the "Papel Pos Customer Clarification Text on the Protection and Processing of Personal Data" presented to me as a POS Customer of Papel Elektronik Para ve Ödeme Hizmetleri Anonim Şirketi ("Papel"); to carry out data, customer and marketing analysis studies and to create campaigns by analysing these data and to inform me about the campaigns according to these studies, to collect information through survey / call / form in order to ensure my satisfaction, I hereby consent to the processing of my personal data in the categories of identity, communication, customer transaction, finance, visual and auditory, professional and legal transaction by Papel and to the transfer of my personal data in the categories of identity, communication, customer transaction, finance, visual and auditory, professional and legal transaction to service providers in Turkey and abroad for this purpose in order to carry out activities to increase my usage experience in order to provide me with the easiest use while using Papel POS products and to ensure the execution of business processes by making customisations according to my needs by following my usage habits/behaviours.
I declare that I know that I can always withdraw my explicit consent and that the processing of my personal data for the above purposes will be terminated by Papel as of the moment of withdrawal.
USER (Person Authorised to Represent)
Name - Surname, Signature, Date

Explicit Consent Text

Dear individual customer, you have submitted a written application to our organization regarding the dispute (which is of an individual nature, therefore not within the scope of commercial activity) arising from the services we provide, within 2 years at the latest from the date of the transaction or action subject to the dispute, and if this application is not replied within 20 days from the date of your application, you have the right to apply to the relevant TÖDEB Retail Customer Arbitration Committee from the end of the 20-day period for which a response must be given; if your application has been rejected or if you do not find the answer sufficient, within 60 days from the date of response, pursuant to the <a type="application/pdf" href="https://todeb.org.tr/source/hakem-heyeti/en/The_Regulation_on_The_Principles_and_Procedures_Regarding_The_Arbitral_Tribunal_For_Private_Customer_10-12-2022.pdf" target="_blank">Regulation on the Principles and Procedures of The Association of Turkish Payment and Electronic Money Institutions (“TÖDEB”) Individual Customer Arbitration Committee.</a>

You can access the application form for the TÖDEB Individual Customer Arbitration Committee from the link below or from the website <a href="https://todeb.org.tr/">www.todeb.org.tr</a>. The form can be submitted electronically via <a href="https://todeb.org.tr/">www.todeb.org.tr</a> after filling in the relevant information and uploading the necessary documents.

<a href="https://todeb.org.tr/hakemheyetibasvuruformu/">https://todeb.org.tr/hakemheyetibasvuruformu/</a>

You can reach all detailed information about the application to the TÖDEB Retail Customer Arbitration Committee by <a href="https://todeb.org.tr/hakemheyetibasvuruformu/">clicking here. </a> You can also check the <a href="https://todeb.org.tr/source/hakem-heyeti/en/Brochure.pdf">Information Brochure</a>

I.I.C.A.C.

Information for Individual Customer Arbitration Committee

Trade Name: PAPEL ELEKTRONİK PARA VE ÖDEME HİZMETLERİ A.Ş
Type of Company: Anonim Şirket
Sector: Başka yerde sınıflandırılmamış finansal hizmetlere yardımcı diğer faaliyetler (finansal işlemlerin operasyonu ve takas merkezi faaliyetleri, yatırım ortaklığı ve saklama hizmetleri, vb.)
Address: Maslak Mah. Eski Büyükdere Cad. Maslak Link Plaza No: 3 5 Kat:14 Sarıyer/İstanbul / TÜRKİYE PK: 34398
Tax Office / Tax No: Maslak Vergi Dairesi / Vergi No: 721 080 5934
Company Registry Date: 05.10.2020
MERSIS Number: 0721080593400001
Trade Registry Office / Registry No: İstanbul/ 268941-5
Stipulated Capital / Paid Capital: 150.000.000,00 TL / 95.000.000,00 TL
Chairman: Seyhan İbrahim YILDIRIM
Board Member / Deputy Chairman: Ahmet Avar
Board Member: Serkan Öksüz
Board Member / General Manager: Seyhan İbrahim YILDIRIM

CONTACT DETAILS

Phone: 0850 241 24 24
Web: www.papel.com.tr
E-Mail: info@papel.com.tr
Registered Electronic Mail (REM): papelelektronik@hs01.kep.tr

AUDITOR

Period: 01.01.2022 - 31.12.2022
Trade Name: AG YEMİNLİ MALİ MÜŞAVİRLİK VE BAĞIMSIZ DENETİM A.Ş
Address: Hürriyet Mah. Yakacık D100 Kuzey Yanyol Cad. Kartal İş Merkezi No:57 Kat:3 Kartal/İSTANBUL

Period: 01.01.2021 - 31.12.2021
Trade Name: AG YEMİNLİ MALİ MÜŞAVİRLİK VE BAĞIMSIZ DENETİM A.Ş
Address: Hürriyet Mah. Yakacık D100 Kuzey Yanyol Cad. Kartal İş Merkezi No:57 Kat:3 Kartal/İSTANBUL

Period: 01.01.2020 - 31.12.2020
Trade Name: AG YEMİNLİ MALİ MÜŞAVİRLİK VE BAĞIMSIZ DENETİM A.Ş
Address: Hürriyet Mah. Yakacık D100 Kuzey Yanyol Cad. Kartal İş Merkezi No:57 Kat:3 Kartal/İSTANBUL

I.S.S.C.N.

Information Society Services

Dear Customer
Within the scope of Article 15 of the Law No. 5549 on Prevention of Laundering Proceeds of Crime, if you are acting on your own behalf but on behalf of someone else in transactions where identification is mandatory, you must declare in writing whose account you are acting on before making your transactions. We would like to remind you that in cases where it is not declared that the transaction is made on behalf of someone else, a prison sentence of six months to one year or a judicial fine of up to five thousand days is envisaged for persons who do not make a declaration.
In order not to be subject to any legal sanctions within the framework of the aforementioned legal regulations, we kindly request you to declare this situation in writing to our company if you are going to carry out transactions requiring identification in your own name but acting on behalf of someone else, and to request support from our company's communication channels in case of any hesitation. 
We submit for your information.
Sincerely,
Papel Elektronik Para ve Ödeme Hizmetleri Anonim Şirketi

Obligation on Law No. 5549

User Agreements | Papel - Terms and Conditions +


PAPEL COMMERCIAL CUSTOMER CLARIFICATION TEXT ON THE PROTECTION AND
PROCESSING OF PERSONAL DATA
Papel Elektronik Para ve Ödeme Hizmetleri Anonim Şirketi ("Our Company" or "Papel"), residing at Residing at Maslak Mah. Eski Büyükdere Cad. Link Plaza Sitesi Link Plaza Blok No: 3-5 Interior Door No: 33 Sarıyer/İstanbul, as the data controller, may process, transfer and store your general or special categories of personal data within the framework of the following purposes and conditions in accordance with the Personal Data Protection Law No. 6698 ("KVKK"). This Papel POS Customer Clarification Text on the Protection and Processing of Personal Data ("Clarification Text") has been prepared to inform Papel POS ("POS") users about how and why we collect, process, store and transfer your personal data and to whom and for what reason. 1. Methods of Collection of Personal Data In the following cases, we may collect your personal data from you, from the information and documents you have submitted to Papel, through the website, our call centre, public platforms or through other persons and institutions we have contracted with or through authorised public institutions and organisations, digitally or physically, in written, verbal or voice recording form, automatically or non-automatically:
(i) When you contact us via our customer service or other communication channels,
(ii) When you apply for Papel POS,
(iii)through the contracts, instructions, information and documents you submit, your payment order instructions and the applications you use when you become a Papel POS Customer.
2. Processed Personal Data Papel will process your personal data for the purposes specified in this Clarification Text. In case of any change in your personal data and/or purposes, Papel will update this Clarification Text and publish the current version separately. The personal data belonging to you as a Customer collected and used by Papel are as follows: Data Category Personal Data Identity Data Name-surname, previous surname, Turkish ID number, date of birth of the applicant and/or the person making the application, name-surname, previous surname, Turkish ID number, date of birth, nationality, identity information on the identity card and/or driving licence of the authorised person and/or company partners, VKN and title of the person who is the customer, Foreigner ID number. Contact Data Telephone number, e-mail, address of the applicant, mobile phone and e-mail address of the authorised person, workplace address, workplace/mobile phone number of the workplace, mobile phone and e-mail address of the card customer. Financial Data Customer's IBAN and card number information, bank account information. Audio and Visual Data Voice recording data. Occupational Data Job and occupational data. Customer Transaction Data Call centre voice recordings, past transaction records, invoice information. Marketing Data Your information obtained through marketing activities. Legal Transaction Data KVKK and IYS permission and judicial administrative authority requests. 
3. Purposes of Processing Personal Data Your personal data may be recorded, stored, preserved, modified, reorganised, disclosed, transferred, made available, classified or prevented from being used by automatic or non-automatic methods in order to achieve the following purposes in accordance with the applicable legislation and KVKK. The main processing purposes of your personal data are as follows, and our processing purposes may be updated due to changes in our company policies and legislation:
(i) To fulfil our legal obligations expressly stipulated in the laws, particularly the Law No. 6493 on Payment and Securities Settlement Systems, Payment Services and Electronic Money Institutions ("Law No. 6493"), the Law No. 5651 on Regulation of Publications on the Internet and Combating Crimes Committed through These Publications and MASAK Legislation,
(ii) To ensure the establishment and performance of the contract to which you are a party by accepting the framework agreement regarding the payment service offered by Papel,
(iii) Completing the registration stages, creating users and accounts, carrying out customer and identity verification processes, ensuring secure access to the Papel POS panel,
(iv) Benefiting from the products and services offered by Papel and the relevant company, making informative and guiding communications, providing information on transactions and transaction follow-up, providing and/or renting a POS device in companies with a website, representative office or in cooperation,
(v) Carrying out finance and accounting transactions, keeping current accounts and following up the processes, ensuring financial reconciliation with the companies we cooperate with,
(vi) Storing the information as required by the legislation, copying and backing up the information in order to prevent loss of information, ensuring that the data is accurate and up-to-date, checking the consistency of the information and planning and execution of audit activities,
(vii) Ensuring information and operational security, assessing, determining and managing risk levels, performing suspicious transaction and user controls, and taking necessary actions in inappropriate situations,
(viii) Keeping systematic records, reporting, planning and conducting analyses, and carrying out strategy and business development processes,
(ix) Receiving complaints, opinions, suggestions and error notifications communicated to the call centre and support team or shared publicly; providing necessary information and providing guidance; collecting and evaluating customer evaluations,
(x) Sharing with regulatory and supervisory authorities such as the Central Bank of the Republic of Turkey, as required or obliged by legal regulations, in order to ensure the fulfilment of legal obligations, follow-up of contractual processes and/or legal requests,
(xi) To perform internal purposes such as quality control, call centre and operations,
(xii) To ensure and improve coordination, co-operation and efficiency among the units within our Company, and to inform you about changes in our Company's policies and procedures,
(xiii) To detect, prevent, investigate suspicious or unlawful transactions, to provide information to the relevant authorities in this regard, to manage the necessary administrative and legal processes,
(xiv) To ensure the security of our Company's electronic systems and physical environments, At the same time, your personal data in the category of Identity, Customer Transaction and Contact Information such as turnover, business opening date, business name, authorised person phone and e-mail, authorised person name may also be processed for the following purposes in the presence of your explicit consent:

(i) Carrying out data, customer and marketing analysis studies and creating campaigns by analysing this data and contacting you to inform you about these campaigns and ensuring product use,
(ii) Collecting information through questionnaires/searches/forms to ensure your satisfaction,
(iii) I can be assigned the most appropriate service package or be directed to a higher/lower package,
(iv) Carrying out activities to increase my usage experience in order to provide me with the easiest use while using Papel POS products and ensuring that business processes are carried out by following my usage habits/behaviours and customising them according to my needs,
(v) Transfer of personal data to our service providers at home and abroad in order to process personal data for the purposes listed in the above paragraphs. If you withdraw your explicit consent, Papel will cease to process and transfer data for the specified purposes.
4. Legal Grounds for Processing Personal Data We process your personal data only if there is a valid legal reason in accordance with the KVKK and, where necessary, in the presence of your explicit consent. We process your personal data in accordance with our purpose of collecting your personal data and on the basis of the legal reasons stated below. Explicitly stipulated in the Laws In case it is explicitly stipulated in the laws, your personal data is processed in accordance with the law. Law No. 6493 and its secondary regulations and Law No. 5549 on the Prevention of Laundering Proceeds of Crime and its secondary regulations, your identity data, communication data, financial data, audio-visual data, professional data, legal transaction data, customer transaction data, etc. within the framework of the provisions stipulated in the Law and its secondary regulations. Establishment and Performance of the Contract When you accept the framework agreement regarding the payment service offered by Papel, a contract is established between you and Papel. Papel processes your identity data, communication data, financial data, visual and audio data, professional data, legal transaction data, customer transaction data in order to establish the aforementioned contract and to fulfil its obligations arising from this contract. Fulfilment of Our Legal Obligations Your personal data is processed in order to comply with the regulations that impose obligations on Papel in accordance with the legislation in force. For example, upon the request of the Chief Public Prosecutor's Office or courts, your data such as your identity and contact information and customer transaction data may be shared. Presence of Legitimate Interest of the Data Controller Provided that it does not harm your fundamental rights and freedoms, we may process your personal data for our legitimate interests such as ensuring more efficient and effective operation of the POS payment service and protecting the security of our electronic systems. Necessity for the Establishment, Exercise or Protection of a Right Your personal data may be processed because it is mandatory for the establishment, exercise or protection of a right. Publicised by the Relevant Person Your data made public by you as the data subject can be processed by Papel. For example, data such as your contact data made public through  Papel's communication channels can be processed to solve your problems and complaints and to contact you. Explicit Consent Personal Data may be processed for the reasons listed under "explicit consent" under the heading "Purposes of Processing Personal Data".
5. Transfer of Personal Data to Third Parties We may transfer your personal data to group companies, shareholders, authorised institutions and organisations, suppliers, affiliates, representatives, external service providers, other payment service providers, official institutions and judicial authorities such as the Central Bank of the Republic of Turkey, Information Technologies and Communication Authority, Financial Crimes Investigation Board, Revenue Administration, Public Prosecutor's Offices and courts, consultants and law offices or independent audit companies for the purposes specified in Article 3 above, provided that we comply with the conditions stipulated in Articles 4 and 8 of the KVKK and take the necessary security measures. Third parties with whom we share your personal data may only process your personal data limited to the purpose of transfer, unless there is another regulation in the legislation. In addition, in the presence of your explicit consent, your personal data in the category of identity, communication, customer transaction, finance and marketing will be transferred to the domestic and foreign service providers of our Company in order to design, plan and execute campaigns, promotions, product service promotion processes and to communicate for these purposes. 6. Your Rights as a Personal Data Owner Pursuant to Article 11 of the KVKK, you have the following rights as a personal data owner.
(i) To learn whether your personal data is being processed or not,
(ii) Requesting information if your personal data has been processed,
(iii) To learn the purpose of processing your personal data and whether they are used in accordance with their purpose,
(iv) To know the third parties to whom your personal data are transferred domestically or abroad,
(v) To request correction of your personal data in case of incomplete or incorrect processing,
(vi) To request the deletion or destruction of your personal data in case the reasons requiring their processing disappear,
(vii) Request notification of correction and deletion to third parties to whom your personal data are transferred,
(viii) Object to the occurrence of a result that is to your detriment by analysing personal data exclusively through automated systems,
(ix) In case you suffer damage due to unlawful processing of your personal data, to demand compensation for your damage Pursuant to Article 13 of the KVKK, if you wish to exercise any of your rights mentioned above as a personal data owner, you may submit your request in the following ways by filling out your request in accordance with the instructions written in the data owner application form on our Company's website.
(i) "Maslak Mah. Eski Büyükdere Cad. Link Plaza Site Link Plaza Block No: 3-5 Interior Door No: 33 Sarıyer/İstanbul" in person or through a notary public or
(ii) by registered electronic mail (KEP) to our registered e-mail address "papelelektronik@hs01.kep.tr" or
(iii) by using secure electronic signature, mobile signature or your e-mail address previously notified to us and registered in our system to our e-mail address "destek@papel.com.tr" Sincerely,

Papel Elektronik Para ve Ödeme Hizmetleri Anonim Şirketi


Papel Commercial Customer Clarification Text

Like any other environment, fraud attempts over the internet are actively tried. At this point, we would like you to know that Papel Elektronik Para ve Ödeme Hizmetleri A.Ş. has taken the necessary measures to ensure your security by using all the opportunities provided by technology to minimize these risks. In parallel with the development of technology and the increase in threats, investing in security is our priority as Papel Elektronik Para ve Ödeme Hizmetleri A.Ş. As a conscious individual using the internet, you can experience a safer shopping experience by paying attention to the following points.
Use https://www.papel.com.tr to perform your electronic money deposits.
The green lock icon in the address bar of the internet browser means that our website is Papel Elektronik Para ve Ödeme Hizmetleri A.Ş. and you can use it safely.
Do not trust links on other websites or e-mails and do not use these links for access.
If you wish to access your account via our website, a single-use SMS password will be sent to your mobile phone. If you experience any problems with the transmission of your one-time password as an SMS message to your mobile phone, please call our call center immediately at 0850 241 2424 or fill out the contact form on our website.
You must keep your account number, user information and password confidential. Papel Elektronik Para ve Ödeme Hizmetleri A.Ş. is not responsible for any damages and losses that may arise from the use of your password by third parties. Your rights and responsibilities as a user are included in the framework agreement you have signed with our company.
Do not share your account password with anyone, including company personnel, to avoid fraud attempts. In case of suspicion of fraud, you must inform our call center at 0850 241 2424 without wasting time.
We recommend that you do not carry your account information with you in written or printed form. If necessary, keeping the written/printed version of the relevant information out of the reach of anyone will prevent account theft.
Be aware of the presence of people watching the keyboard or screen while logging in.
Papel Elektronik Para ve Ödeme Hizmetleri A.Ş. never sends e-mails to its users asking for passwords, account information, usernames.
Please mark such e-mails as spam.
You can follow your transaction and balance information at https://www.papel.com.tr.
Receipts of your transactions will be sent to your e-mail address or contact address registered in our system upon your request.
In the event that your phone to which the SMS password is sent is lost, stolen or taken away for any reason, calling our call center at 0850 241 2424 will help you prevent possible damages.
You can send your complaints regarding the problems you have experienced in service provision to the relevant persons by calling our call center at 0850 241 2424 or via the "Opinion / Suggestion" section on the website https://www.papel.com.tr.
You can access information, interruptions, announcements and warnings regarding the services offered at https://www.papel.com.tr or you can request information by calling our call center at 0850 241 2424.
Do not rely on any information received through any channel other than our website https://www.papel.com.tr or our call center 0850 241 2424.