NARKASA YAZILIM TİCARET A.Ş.
Article 1 Parties to the Agreement
1.1.This “User Agreement” has been entered into between Narkasa Yazılım Ticaret A.Ş. (hereinafter: “NARKASA”), having its offices on the address of Huzur Mahallesi Maslak Ayazağa Caddesi No:4 H/201 Sarıyer/İstanbul/Turkey and registered at the Chamber of Commerce of Istanbul under number 184965-5 on the one hand and the user who accepts this agreement on websites or mobile applications (hereinafter: “USER”) on the other hand.
Article 2 Definitions
2.1.AML/CTF : Abbreviations of the terms ‘Anti Money Laundering/Counter Terrorist Financing’.
2.2.API : The entirety of definitions which has been created for the use of software functions which are defined by NARKASA.
2.3.Support center : States the website https://support.narkasa.com
2.4.Fiat money : States the currency which is used for buying products and services and which has been issued and signed by a governmental decision upon the trust that the issued papers cannot be imitated.
2.5.Cryptocurrency : States the digital currency which is encoded through cryptographic methods, whose value is determined in the free market and which has not been issued by a government, central bank, financial institution or e-currency institution, is not centralized, is autonomous and vastly uncontrolled, registered in a global network between individuals (blockchain), can be bought and sold upon anonymous trust, transferred or used for payment or investment goals, is not backed by commodities such as gold or silver and therefore unrequited.
2.6.Cryptowallet : States the computer file which is encoded through cryptographic methods and which may be used online (hot) or offline (cold) for storing and transferring cyrptocurrency and which shows the address where the cryptocurrency is situated.
2.7.KYC : Abbreviation of the term ‘Know Your Customer’.
2.8.Mobile Applications : Means the NARKASA applications which work on the IOS and Android mobile operating systems.
2.9.Platform : Websites, mobile applications and API through which buying-selling cryptocurrency, depositing-withdrawing cryptocurrency and fiat money activities are realized.
2.10.Website : States the domain name https://narkasa.com and websites with subdomain names which are connected to this domain name.
Article 3 Subject of the Agreement
3.1.This agreement regulates the rights and obligations connected to the use of the NARKASA platform.
Article 4 Services, Scope of Services and Risks
4.1.NARKASA is a brokerage service through the platform which it makes available for buying and selling cryptocurrency between users.
4.2.Prices, price ranges, fluctuations, fluctuation rates, volume and data the like which arise on the platform are fully dependent upon cryptocurrency buying-selling activities between users. NARKASA does not interfere with the constitution of these values. NARKASA is not a buyer-seller or a market maker on the platform.
4.3.NARKASA does not provide users with financial investment and/or consultancy services. NARKASA may give information regarding cyrpto-assets but this information may not be regarded and interpreted as investment or financial advice.
4.4.All functions of the platform and its services may not be available for use in the country of the user. It is the user's own responsibility to comply with the rules and legislation of the country in which the user is situated and/or countries where access to services of NARKASA is possible.
4.5.NARKASA provides services and content on an as-is basis. All content is processed and objectively presented by software which automatically processes information without making any changes or redirections. NARKASA does not guarantee the purposive correctness, conformance, reliability, integrity, performance of the content which it presents through its services and does not accept any responsibility in this regard. NARKASA may not be held responsible for loss of profits or losses as a result of the use of the content. Information regarding the services provided may be changed without prior notification and the provided information basically facilitates the users in making independent decisions. NARKASA does not guarantee that the services it provides are uninterrupted and without errors. NARKASA aims to provide services which are accessible and usable 24/7. However, it does not guarantee the operability and accessibility of systems which grant access to these services. The user agrees that on various occasions and due to various reasons access to the services may be constricted, restricted and/or disrupted.
4.6.Risks:The user agrees, declares and guarantees that he has read and understood the services provided by Narkasa, that important risks are involved in buying-selling cryptocurrency independent from NARKASA and its platform, that the prices of cryptocurrency may change, fluctuate greatly on any day, that these changes and fluctuations may increase or decrease the value of assets on any time, that any cryptocurrency may be subject to grand fluctuations whereas other are not, that the currency may even become fully worthless, that there is a risk of great losses in buying, selling or realizing transactions on the market, that cryptocurrencies generally bear special risks which are not similar to those of fiat money currencies, goods or commodities, that contrary to many fiat money currencies which are backed by governments or other legal persons or gold or silver, cryptocurrencies are a type of asset which are backed by technology and trust, that there is no official authority which may issue more cryptocurrency or take corrective measures to protect the value of cryptocurrencies in case of crisis, that cryptocurrencies have been issued by persons or companies through cryptographic methods, that these currencies have no center and are in circulation in a global network on the internet, that cryptocurrencies generally have irrational trends and are open for loss of trust, that the supply and demand balance may constantly change, any or all cryptocurrencies or the network may collapse due to lack of trust, that interference of software developers or governments, negative legal regulations or bans, superior or concurring alternative money currencies, deflationary or inflationary effects, technical problems may arise, the anonymity of the system may perish, that the system in general or services provided by NARKASA may be subject to attacks of hackers, that the user may lose all his assets as a result hereof and that the users knows and understands that other risks are present as well, that he has well evaluated his financial situation and his stability against these risks and whether buying-selling or using cryptocurrencies is suitable for him, that he will not hold NARKASA responsible in case these risks occur or in case his personal decision has a negative outcome and that he is party to this agreement under these conditions.
Article 5 Opening an Account and Conditions
5.1. The user needs to open an account via the website or mobile applications to access services provided by NARKASA.
5.2. Before opening an account the user should carefully read and consider the AML/CTF and KYC Policy, The Processing and Protection of Personal Data Policy which is published on the NARKASA support center.
5.3.The account may only be opened in name of a real person and the user must be 18 years or older, be legally capable according to the laws of the country to which he is subject, should not have his account previously canceled, suspended or be prohibited from opening an account by NARKASA and should not be blacklisted and/or excluded by the Republic of Turkey or the country to which the user is subject or other authorities and institutions whose data NARKASA will take into account.
5.4.To open an account the name, surname, country, e-mail address and password information should be entered correctly and the boxes which state that the user agrees with this agreement and the Information and Consent Texts should be ticked. Ticking the boxes means that the user has read an agreed to the content.
5.5.Opening an account is subject to confirmations required by legal and regulatory obligations and those stipulated by NARKASA. An identification document , a driver's license, passport and documents the like which confirm the identity of the user and which have international validity, as well as selfies with these documents and residence documents, residential subscription invoices, bank receipts and documents the like which confirm the address of the user may be required.
5.6.The user may only make specific limited transactions without completing the confirmation steps. To utilize all features the user needs to complete the confirmation process.
5.7.NARKASA may adopt different confirmation methods in line with regulations of the Republic of Turkey or the country to which the user is subject, may change these methods and may at any time ask the user to go through the confirmation process again. During the reconfirmation process the account of the user may be suspended.
5.8.The user may only have one account. The user may not transfer, sell, lease, give away to third parties or irrespective of the name let third parties make use of his account or rights.
5.9.NARKASA may refuse to open an account at its own discretion. On the other hand NARKASA reserves the right to choose markets and territories, limit services in specific countries and refuse requests to open accounts from these countries at its own discretion.
5.10.The user agrees, declares and guarantees that he has agreed with all conditions set forth in this article and that in the event that processes and activities contrary to the conditions set forth in this article are determined NARKASA may refuse the request to open an account and if the contract already has been agreed upon, to unilaterally terminate this contract without prior notification, to cancel or suspend the account(s) of the user, to refuse to open an account for this person in the future, that he will not hold NARKASA responsible for losses which are incurred within the scope of this article, that he agrees to compensate the losses of NARKASA that may incur.
Article 6 Conditions of Use
6.1.The user needs to carry out buying-selling activities which are stated in articles (9) and (10) of this agreement and deposit-withdrawal activities and ancillary all other activities personally. He may not have these activities carried out by third parties and may not request NARKASA to carry out such activities.
6.2.NARKASA may not be held responsible for any losses, losses of profit, opportunities, work, income, data and the like as a result of activities and processes of the user on the platform.
6.3.The user is personally responsible for the privacy, security and non-disclosure of his password, security code, two factored confirmation code, e-mail address, security steps of applications which are used on mobile phones and/or other mobile devices, two factored confirmation device, all account information and all previous/future transactions.
6.4.In conformity with article (6.1.) of this agreement all processes and requests made by the account of the user will be deemed to be realized by the user personally. Therefore the user is required to take all security measures to protect his account and personal information. In case the user suspects or finds out that his account is used without authorization he should immediately report to NARKASA via the support center .
6.5.The user may request the renewal of the two factored confirmation code in case he forgets, loses, fails to reach the password of the device on which the two factored confirmation code program or application works or of the two factored confirmation code device via the support center.
6.6.NARKASA may at any time and without prior notification unilaterally increase or decrease the daily, weekly and monthly deposit and withdrawal limits for fiat money and cryptocurrencies, depending on the personal risks of the user.
6.7.The user agrees that he will not undertake activities which may threaten the security and integrity of the computer and network systems of the platform, that he will not use the platform in a manner that will obstruct the operability of the platform or obstruct or harm other users or misuse the platform otherwise, that he will not access the computer systems of the platform or access the platform through other user accounts which are outside the scope of his authority which the platform has granted him or otherwise unauthorized, that he will not send and upload files and illegal content which may harm the platform, NARKASA and third parties’ computer systems, devices and software.
6.8.NARKASA may not be held responsible for short- or long term technical problems which may occur on the platform.
6.9.Parties should comply with the legal framework when entering into contact with each other.
6.10.The user agrees, declares and guarantees that he has agreed with all conditions set forth in this article and that in the event that processes and activities contrary to the conditions set forth in this article are determined NARKASA may refuse the request to open an account and if the contract already has been agreed upon, to unilaterally terminate this contract without prior notification, to cancel or suspend the account(s) of the user, to refuse to open an account for this person in the future, that he will not hold NARKASA responsible for losses which are incurred within the scope of this article, that he agrees to compensate the losses of NARKASA that may incur.
Article 7. AML/CTF and KYC Policy
7.1.The user who opens an account is deemed to having accepted the AML/CTF and KYC Policy which is published on the NARKASA support center and deemed to act in conformity with NARKASA policies.
7.2.The user agrees that the source of his assets is legal and that he will not use and/or let others make use of the NARKASA platform for purposes which do not comply with legal regulations concerning the laundering of crime proceeds and the financing of terrorism of the Republic of Turkey and/or the country to which the user is subject and/or international organizations and institutions. The user is responsible for all legal and criminal consequences in case of illegal use of the platform.
7.3.The user agrees and declares that he is aware of the fact that in case of illegal use, activities and transactions governments and/or institutions and organizations may block, seize and execute other rights of disposition on the fiat money and/or cryptocurrencies of his own and/or on the NARKASA platform and that officially or on the basis of a notification by NARKASA an investigation, prosecution may be started and that he may be disclosed.
7.4.The user agrees, declares and guarantees that he has agreed with all conditions set forth in this article and that in the event that processes and activities contrary to the conditions set forth in this article are determined NARKASA may refuse the request to open an account and if the contract already has been agreed upon, to unilaterally terminate this contract without prior notification, to cancel or suspend the account(s) of the user, to refuse to open an account for this person in the future, that he will not hold NARKASA responsible for losses which are incurred within the scope of this article, that he agrees to compensate the losses of NARKASA that may incur.
Article 8 Policy Concerning the Processing and Protection of Personal Data
8.1.Since NARKASA is a company based in Turkey, primarily the code on the processing and protection of personal data with number 6698 and secondary the European Union General Data Protection Regulation (GDPR) and regulations of the country to which the user is subject will be taken into account.
8.2.The user who opens an account is deemed to having accepted that his personal data will be processed according to the Policy Concerning the Processing and Protection of Personal Data which is published on the NARKASA support center.
8.3.NARKASA guarantees that the personal data of the user will be kept confidential and not be shared with third parties, except in the case of the explicit consent of the user or legal obligations, and that they will only be used within the framework of the rules and objectives set forth in this agreement.
8.4.Information such as identification, address and many other data are requested from the user and processed as required by the laws of the Republic of Turkey. As explained in the Policy Concerning the Processing and Protection of Personal Data, these data will be shared with the competent authorities on their request or in case of illegal use. This situation may not be interpreted as a breach of privacy and NARKASA may not be held responsible for such actions.
8.5.NARKASA determines and registers the user's IP address, device, model, operation system and browser information with which they access the platform. NARKASA may use this information to generally identify users and gather extensive demographic data, to provide user and system security, to use in advertisement and marketing activities, to provide system security and to comply with legal obligations.
8.6.NARKASA may cooperate with third parties in different manners. During this cooperation NARKASA will carry out contacting and/or marketing activities in conformity with the laws. However, the user will be provided with methods to easily and without charge exit the system.
8.7.NARKASA may provide links to other websites on its site. Advertisements and/or application forms for several services of affiliated third parties may be published or users may be referred to websites of advertising or affiliated third parties through these forms and advertisements. NARKASA is not responsible for the protection and application of personal data on third parties’ websites which are accessed in this manner and for content which is based on its policies.
Article 9 Buying-Selling Activities
9.1.It is imperative that the user has sufficient cryptocurrency on his account to realize the desired buying-selling activities on the platform.
9.2.The cryptocurrency buying or selling orders of users will be automatically listed on the platform for matching with the orders of other users. In case the buying or selling orders match fully or partially with those of another user the cryptocurrency transaction will take place. All these transactions are updated and showed on the user's account directly.
9.3.Orders will remain valid until fully carried out or canceled as mentioned below. During this period NARKASA will temporarily have control over the fiat money and cryptocurrency.
9.4.An order given on the platform may only be canceled or changed before it is matched with another user's order. In the event that the order is matched with another user's order cancellation or adjustments are not possible. In case an order has been partially matched, the user may cancel or adjust the part that has not yet been matched until a match has been found. NARKASA has the right to refuse cancellation or adjustment orders at all times.
9.5.It is forbidden that the user solely or with other persons buys-sells in secret, in other words the user or other persons involved, acting as the buyer and seller, may not directly or indirectly engage in all kinds of manipulation to artificially control the price per unit or transaction volume of cryptocurrencies which are listed on the platform.
9.6.The user agrees, declares and guarantees that he has agreed with all conditions set forth in this article and that in the event that processes and activities contrary to the conditions set forth in this article are determined NARKASA may refuse the request to open an account and if the contract already has been agreed upon, to unilaterally terminate this contract without prior notification, to cancel or suspend the account(s) of the user, to refuse to open an account for this person in the future, that he will not hold NARKASA responsible for losses which are incurred within the scope of this article, that he agrees to compensate the losses of NARKASA that may incur.
Article 10. Deposit-Withdrawal Transactions
10.1.All fiat money deposit-withdrawal transactions shall be realized in conformity with the legal regulations of the Republic of Turkey or the country to which the user is subject.
10.2.All fiat money deposit-withdrawal transactions can be carried out through the bank account that is registered in name of and with the identity number of the user. Deposit-withdrawal transactions on behalf of other persons may not be realized.
10.3.The user shall deposit fiat money on the NARKASA bank accounts with affiliated banks. Withdrawal of fiat money can only take place in countries where NARKASA has a bank account. The user will not deposit-withdraw fiat money through an ATM, credit card, debit card, phone number, postal check and other similar methods.
10.4.The user may deposit-withdraw fiat money through NARKASA affiliated electronic money companies.
10.5.NARKASA will carry out transaction/EFT and similar orders of the user swiftly.
10.6.During deposit-withdrawal transactions of cryptocurrency the user must correctly insert his cryptowallet, memo, tag and similar information and non-exclusively also the cryptowallet address, category, type, node, channel of the buyer and the amount of cryptocurrency.
10.7. After confirmation of the transaction of the user the cryptocurrency withdrawal transaction may not be canceled and recovered.
10.8.NARKASA has the right to unilaterally change the rules, the minimum and maximum limits of depositing-withdrawing fiat money on its platform without prior notification. These changes will be published on the NARKASA support center .
10.9.The user agrees, declares and guarantees that he has agreed with all conditions set forth in this article and that in the event that processes and activities contrary to the conditions set forth in this article are determined NARKASA may refuse the request to open an account and if the contract already has been agreed upon, to unilaterally terminate this contract without prior notification, to cancel or suspend the account(s) of the user, to refuse to open an account for this person in the future, that he will not hold NARKASA responsible for losses which are incurred within the scope of this article, that he agrees to compensate the losses of NARKASA that may incur.
Article 11 Support/Help and Notification
11.1.The user shall forward all his support/help requests and notifications only through the support center. E-mail, telephone, sms, fax, mail, social media websites, internet messaging systems will not be accepted as support/help channels.
11.2.During support/help through the aforementioned address the user will not be asked for his password and given a cryptocurrency address to send cryptocurrencies.
11.3.In case the user has requested support/help, his active buying-selling orders, deposit-withdrawal requests will remain valid in the time frame for answering the support/help request.
11.4.The user agrees, declares and guarantees that he has agreed with all conditions set forth in this article and that in the event of losses incurred due to the fact that his support/help requests remain unanswered because these have been made in a different manner than the mentioned support/help and notification methods or losses incurred due to “pirate” websites using the name of NARKASA or making this impression or losses incurred in the time frame until NARKASA answers the support/help request, he will not hold NARKASA responsible.
Article 12 Fees
12.1.The user agrees to pay NARKASA specific fees for buying-selling and/or depositing-withdrawing transactions which will be realized. The user is deemed to having accepted to pay fees on the basis of the effective tariff when consenting to the agreement.
12.2.The fees and the tariff will be published on the support center. NARKASA has the right to unilaterally change the fees. The fees will enter into force when they are published. The user is responsible for the follow-up of the fees.
12.3.Cryptocurrency transfers cannot be revoked. Therefore the NARKASA fees can also not be reimbursed and the user does not have the right to request reimbursement of the fees paid for this transaction.
Article 13. Taxes
13.1.The user is personally liable for all taxes incurred due to the use of the platform and agrees, declares and guarantees that he will comply with the tax regulations of the country to which he is subject and that he will not hold NARKASA liable for any tax gains or losses.
Article 14. Intellectual Property Rights
14.1.Unless explicitly stipulated, all copyrights and all intellectual property rights of the NARKASA platform, domain names used on the platform, software, content, design, texts, pictures, graphics, data, prices, graphs, video and sound recordings and similar materials are the property of NARKASA. Other trademarks and logos used on the platform are the property of the respective persons. None of these may manually or automatically in any manner or with any method be copied, reproduced, adjusted, republished, uploaded, transferred, inscribed, collected or distributed. The use of these materials on other websites or computers connected to a network for other purposes is strictly forbidden. The materials may only be viewed on, printed and/or downloaded on one computer for personal, informative and/or non-commercial related purposes.
14.2.The user agrees, declares and guarantees that he will not infringe this article and that NARKASA may investigate infringement of any of these conditions and unilaterally determine such infringement after which NARKASA may unilaterally terminate this contract without prior notification, cancel or suspend the account(s) of the user, refuse to open an account for this person in the future and that the user will not hold NARKASA liable for losses which are incurred within the scope of this article.
Article 15. Miscellaneous
15.1.In case of legal, administrative or practical invalidity or impossibility of application of any articles of this agreement, the remaining part of the agreement will remain valid and in force.
15.2.When NARKASA does not directly make use of rights and obligations set forth in this agreement this does not mean that NARKASA has implicitly waived these rights and obligations and their use. NARKASA may make use of these rights and obligations in conformity with this agreement and legal regulations at any time.
15.3.The user agrees and guarantees that he will not share comments or messages, which defame the name of, harm the commercial status of NARKASA or result in unfair competition using the name and/or logo of NARKASA. This guarantee entails all written and visual media and all social media channels.
15.4.The user will be deemed to haven read and agreed to the statements and all statements of authorized institutions and organizations which will be made regarding cryptocurrencies and legal regulations which are published.
15.5. NARKASA is fully independent from similar cryptocurrency buying-selling platforms and is not a representative of any website or institution. NARKASA does not have a partnership with any companies. Therefore NARKASA is not liable for any losses the user incurs on other similar platforms.
15.6.NARKASA has the right to refuse or cancel transactions orders, money transfer without the permission or consent of the user in case the user violates any of the articles of this agreement or without any justification. Without prejudice to the other articles of this agreement, the suspension, delay, cancellation of an order or an account of the user by NARKASA does not affect any transaction or assets. In case NARKASA cancels an order, suspends or cancels the user account the assets will fully be refunded to the user in case there are no restrictions from legal or competent institutions or authorities. In case the user has received unjustified funds, he will be required to reimburse those. NARKASA has the right to request the identification and bank account information of the person who made the transfer, for transactions which NARKASA has refused or could not realize and for the refund of assets.
15.7.In case NARKASA inadvertently sends the user cryptocurrencies which lead to unjustified enrichment, the user will directly be informed by all means (e-mail, call, SMS and similar methods). If the user does not reimburse the cryptocurrencies within 1 business day after the notification, NARKASA may cancel or suspend the user account without further notice. NARKASA may also deduct the amount which had been inadvertently sent from the user account and legal measures will be taken.
15.8. NARKASA is obligated to take maximum care of the protection of user accounts and personal data. , Information and assets of the user will be stored in offline environments (cold storage) or in cold cryptowallets regularly for the protection against possible cyber attacks. NARKASA may not be held liable for theft/fraud which may occur despite all these precautions. The user is liable for this risk and agrees that he will not hold NARKASA responsible for losses incurred for this reason.
15.9.The user agrees that access to the platform and user quality is largely dependent upon the internet service provider and that NARKASA is not responsible for any problems regarding the quality of these services.
15.10.NARKASA has the right to suspend the platform, cancel, set back transactions in a planned or unplanned manner to fix the system and to ensure its proper function in case of technical problems, malfunctions, interruptions, changes, maintenance and similar situations. Users may therefore partially and/or fully be unable to access the platform. NARKASA may not be held liable for this type of activities.
Article 16. Modification of the Agreement
16.1.NARKASA has the right to unilaterally change the articles of this agreement at any time.
16.2.Modifications in the agreement will enter into force when published on the website and mobile applications. The user is responsible for following up on changes in the agreement and notifications in this regard. The most recent version of the agreement can be consulted at any time from the support center.
16.3.The user agrees to future modifications in this contract by NARKASA when consenting to this agreement.
Article 17. Termination of the Agreement
17.1.With prejudice to other special articles in this agreement regarding termination; parties may at any time terminate this agreement during the contract term.
17.2.In case NARKASA or the user terminates the agreement for any reason whatsoever, transactions will be carried out on the basis of personal data of the user in conformity with legal regulations and the Processing and Protection of Personal Data Policies.
17.3.In case NARKASA terminates the agreement, the user account will immediately be canceled and any active orders of the user will be canceled in case the user account is not blocked. The fiat money on the account will be transferred to the bank account which was most recently given by the user. The cryptocurrencies will be transferred to the cryptowallet the user will provide. Thereinafter the user account will be liquidated.
17.4.Before the user terminates the agreement, it is obligatory that he cancels his buying-selling orders and withdraws his cryptocurrencies and fiat money from the platform.
Article 18. Dispute Resolution, Applicable Law, Competence and Evidential Contract
18.1. Disputes which arise from this agreement will primarily be resolved amicably.
18.2. In case no amicable solution can be found, the below mentioned articles will be applicable;
- In case the user is a Turkish citizen Turkish law will be applied to all disputes arising from this agreement. The courts and offices of execution in Central Istanbul (Çağlayan Courthouse) will be competent.
- In case the user is not a Turkish citizen all disputes arising from this agreement will be resolved by arbitration in conformity with the rules of the Istanbul Arbitration Centre (ISTAC).
18.3.The rules of the Istanbul Arbitration Centre (ISTAC) can be found via the following link: https://istac.org.tr/
18.4. In case the disputed cannot be resolved by means of arbitration;
- The rules regarding Emergency Arbitration will not be applied.
- The place of arbitration is Istanbul/Turkey.
- The language of arbitration is Turkish.
- In disputes with a maximum amount of 10.000,00 Turkish Liras, 1 arbiter will be involved. In disputes with an amount of 10.000,00 Turkish Liras and higher 3 arbiters will be involved.
- Turkish law will be applied to the dispute.
- Without the consent of both parties the place of arbitration will not be changed by the arbiter and/or arbitration panel, there may not be gathered and the hearing may not be held elsewhere.
- Without the consent of both parties the arbiter and/or arbitration panel, may not change the periods set forth in the procedural timetable.
- During the arbitration a new request may not be put forward.
- Without the consent of both parties a judgment without a hearing may not be given.
18.5.In case of discrepancies between the Turkish version of this agreement and its translations in different languages, the Turkish version will prevail.
18.6.In case of discrepancies the NARKASA database registers will be deemed to be definitive and exclusive evidence.
Article 19. Enforcement and Approval
19.1.This agreement enters into force after publication by NARKASA and concerns all old/new users.
19.2.The user agrees, declares and guarantees that he has read all of the articles of this agreement and its annexes at the time of opening his account.