Effective date: October 8, 2026 Last updated: November 7, 2026 Version: 1.12 Consent version: 1.6 Source: TR 1.12 (translation of the Turkish text; the Turkish version prevails)
These Terms of Service ("Terms") form a contract between Yasin Çıralı ("Company", "we") and the natural person ("User", "you") who uses the sandık mobile application ("App", "Service").
You accept these Terms when you create an account. The Privacy Policy and the KVKK Disclosure are information documents that explain how your personal data is processed; they do not depend on your acceptance. Your explicit consent to the international transfer of data is separate from accepting these Terms and is given only through the Explicit Consent Notice.
During registration (and on the consent screen at the first sign-in with Apple or Google): - The Terms of Service, the Privacy Policy and the KVKK Disclosure are offered as links; tapping one opens its full text. You accept these Terms by ticking a single box; with the same box you declare that you are over 18 and state that you have been informed by the Privacy Policy and the KVKK Disclosure. The box does not include explicit consent. - The Explicit Consent Notice is shown to you in full; after reading it to the end you give your explicit consent with the button at the end of the text. - The investment disclaimer (§3) is shown in full; you accept it at the bottom after reading it to the end.
sandık is a personal portfolio tracking tool that lets users track the following asset types:
The App shows portfolio value, allocation and performance and, optionally, technical-analysis signals (Premium), price alerts and periodic summaries. You can enter assets manually, in bulk, or by importing a bank / brokerage statement. With the partnership feature two users can share their portfolios.
Top Portfolios (optional): If you give explicit consent in the App, your period return and asset-type shares are evaluated in an anonymous comparison pool (portfolio older than 5 days, at least 2 different assets); for the best-performing portfolios only the rank, return, type shares and each asset's TEFAS fund code or public market symbol with its share are shown to other participants, without identity, amounts or quantities; in return you see the same anonymous information about participants (details: Privacy Policy §5.1). Seeing the asset symbols of other portfolios and newly joining the pool may require a Premium membership. You can leave at any time; not participating affects no other feature.
Race (optional): If you join the Race, your period return and asset-type shares are calculated daily on the server; your standing among participants is shown to you as a percentile, and you can compare your return with your partner. Your identity and amounts are not shown to other participants. You can leave the Race at any time.
Market movement and asset notes: From public market data, the App shows money flowing into and out of funds (money flow), unusual trading volume in equities (volume radar) and buyer pressure in crypto. Weekly asset notes and a monthly report for the assets in your portfolio are prepared automatically with AI (details: Privacy Policy §5.3). Full notes and the monthly report may be available to Premium members; the free tier shows the first sentence of a note.
AI portfolio comment: If you wish, you can have a short comment written that describes, with your own data, the period you select for your portfolio (Performance › Summary) or for one of your assets (asset detail page), or your last week or last month. The comment is written automatically with AI and only describes the past; it contains no buy, sell or hold suggestion. The feature is optional, your explicit consent is asked separately the first time you use it (details: Privacy Policy §5.5) and it is Premium content.
This section applies once Premium is offered for sale in the App.
Scope. Portfolio tracking is free. Premium includes features that are limited in the free tier or available only to subscribers (e.g. technical analysis signals and alerts, the annual gains, dividends and fees report, PDF and Excel export, the dividend forecast, fund content breakdown (X-Ray), the itemized fee breakdown, the full asset notes and monthly report, reading statements with AI, the AI portfolio comment). Which features are Premium is shown on the purchase screen before you buy. Some Premium features may appear in limited form in the free tier (e.g. the first sentence of a note).
Price and payment. The subscription is monthly or yearly. The price is the amount shown by the App Store or Google Play on the purchase screen (taxes included). Payment is collected by your device's store (Apple or Google), not by the Company; your card details never reach the Company.
Auto-renewal. Unless cancelled before the period ends (on Apple, at least 24 hours before), the subscription renews automatically for the same period at the then current price. If the price increases, the store notifies you in advance and asks for your consent where required.
Free trial. If the store offers a trial, its length is shown on the purchase screen; if not, no trial is promised. Unless you cancel before the trial ends, the first period is charged when it ends. A trial can be used once per account under the store's rules.
Cancellation. You can cancel at any time in the store (iPhone: Settings › Apple ID › Subscriptions; Android: Google Play › Payments & subscriptions › Subscriptions). Cancellation takes effect at the end of the paid period; Premium stays on until then. Deleting the app or your account does not cancel the subscription; cancel in the store first.
Refunds and withdrawal. Refund requests are handled by the store's own process (Apple: reportaproblem.apple.com; Google: order history in Google Play). Under Article 15(1)(ğ) of the Turkish Distance Contracts Regulation, the right of withdrawal does not apply to services performed immediately in electronic form and intangible goods delivered immediately, once performance has begun with your consent; starting the subscription on the purchase screen constitutes that consent. Your non-waivable consumer rights remain unaffected (see Section 12).
Recognition of the entitlement. When a purchase completes, the store transaction is verified through our subscription provider RevenueCat and Premium is linked to your account. It also turns on on other devices where you sign in with the same account; after changing devices you can relink it with "Restore purchase" on the purchase screen.
Gift Premium. The Company may grant certain users (e.g. those who registered before a given date) a one-time, free, non-renewing Premium period. No payment is taken when it ends; Premium simply turns off.
Changes. If Premium's scope changes, features you paid for in the current period remain until its end. Price changes apply only to later periods.
sandık IS NOT AN INVESTMENT ADVISER, BROKERAGE OR PORTFOLIO MANAGEMENT COMPANY.
The full text of this notice is shown to you during registration (and on the consent screen at the first sign-in with Apple or Google); you accept it at the bottom after reading it to the end. The record of your acceptance is kept as legal evidence.
support@murphysoft.app.You can add another user as a "partner" in the App. When this feature is activated:
Responsibility: - Share your invite code only with someone you trust. - The Company is not responsible for data shared while a partnership is active. - When you end a partnership, data the other party has already seen may remain with them.
While using the App you WILL NOT:
If these rules are breached, your account may be closed without notice.
The App uses third-party services such as Supabase (server, database and authentication), Google Firebase (notifications, crash reports, usage statistics, remote configuration), Apple (iOS notifications and the lock-screen Live Activity), Sign in with Apple and Google Sign-In (if you choose them), Google's email infrastructure (verification codes), Anthropic (writing asset notes with AI, no personal data is sent; with your explicit consent, the portfolio comment and reading statements), RevenueCat (Premium subscription verification), the App Store and Google Play (Premium payment) and public market-data providers (exchanges, banks, fund platforms, official institutions and exchange-rate and price data services). The Company is not responsible for problems arising from outages, delays or errors of these services.
The terms of use of third-party data providers, including information provided by market-data sources, apply. If data retrieval is temporarily blocked, alternative sources or manual data entry options may be offered.
Yasin Çıralı.If we determine that you have breached these Terms, we may suspend or delete your account without notice. Where required by law we notify the competent authorities.
To the maximum extent permitted by applicable law:
Exceptions: Damages arising from the Company's wilful misconduct or gross negligence, and non-waivable rights under consumer law, are not affected by this limitation.
You are responsible for all damages you cause to the Company or third parties by breaching the App rules (Section 6), including litigation costs and attorney fees, and agree to indemnify the Company.
Your non-waivable rights under Turkish Consumer Protection Law No. 6502 (TKHK) cannot be limited by these Terms. Your right to apply to the Consumer Arbitration Committee or the Consumer Court is reserved.
For EU consumers: rights arising from the GDPR and EU consumer law are reserved. Online dispute resolution platform: https://ec.europa.eu/consumers/odr
We are not responsible for service disruptions arising from causes beyond the Company's control such as natural disasters, war, terrorism, epidemics, government decisions, internet infrastructure outages or third-party service outages.
All notices to us must be sent to support@murphysoft.app.
Notices to you may be sent by: - In-app notification - Email to your account email - Push notification (if you allowed it)
and are deemed delivered on the date of sending.
If any provision of these Terms is held invalid, the remaining provisions remain in force.
For consumer transactions, under Consumer Protection Law No. 6502, the consumer arbitration committees at the consumer's place of residence have jurisdiction within the monetary limits, and above those limits the consumer courts at the consumer's place of residence.
For EU consumers, the mandatory consumer protection provisions of the country of residence are reserved under the Rome I Regulation.
When we change these Terms or the other legal documents: - The new text is published with a new version number; the text on the website and in the App is always the same. - Material changes (the "Consent version" is also moved to the new version) are announced in the App: on the next launch the current documents and a summary of the changes are shown. Your acceptance of the Terms of Service is requested again with the box and your consent under the Explicit Consent Notice at the end of that text; in the same box you state that you have been informed by the current Privacy Policy and KVKK Disclosure. - For corrections that do not change your rights and obligations or how personal data is processed, only the "Version" changes; no new confirmation is requested. - You cannot continue using the App without accepting a material change; if you do not accept the change, you can delete your account (Profile → Settings → Delete Account). - Which version you accepted and when, or which version was presented to you and when, is recorded.
Yasin Çıralı
Istanbul, Türkiye
Email: support@murphysoft.app
Web: https://yasincirali.github.io/sandikapp
These Terms are provided in Turkish and English. In case of discrepancy, the Turkish version prevails.