Terms & Conditions


The use of this website is governed by the Terms and Conditions set out herein. By accessing and using this website, you agree to be bound by these Terms and Conditions. If you do not agree with these Terms and Conditions, do not proceed to further pages of this website.

This website uses cookies. By accessing and using this website and accepting these Terms and Conditions you agree to Garanti RE’s use of cookies according to Garanti RE’s Privacy Policy.

License to use website

Intellectual property rights in the pages of this website belong to Garanti RE and/or its licensors and are reserved subject to the license below.


By using this website, you do not acquire any rights or title in any of the intellectual property rights in this website. You may view, print and download pages, images, audio and video recordings available on this website, for your personal use, subject to the restrictions set out in these Terms and Conditions.


It is prohibited to:

  • copy, reproduce or exploit any material on this website for commercial purposes;
  • republish or distribute material from this website or display material from this website in public;
  • sell, transmit, transfer or license material from this website;
  • modify any material from this website.

Acceptable use

You must not:

  • use this website in a way that may cause damage to the website or affect the availability or accessibility of the website;
  • use this website in an unlawful, illegal or fraudulent way, or in connection with an unlawful, illegal or fraudulent purpose or activity;
  • use this website for any purposes related to marketing without Garanti RE’s express written consent;
  • use this website to copy, store, send or distribute spyware, computer viruses, Trojan horse, worms or other malicious computer software;
  • perform data collection activities, such as data mining, scraping or data harvesting, on this website without Garanti RE’s express written consent;
  • use this website to send unsolicited commercial communications (spam).


Restricted access

Garanti RE may at its sole discretion restrict access to this website or to certain pages of this website.

If you are provided with a user ID and password to access restricted areas of this website, you must keep your user ID and password confidential. Garanti RE may disable your user ID and password at any time, without notice or explanation.



User content

Any material that you submit to this website, such as text, images, audio or visual material, shall be referred to as “your user content” in these Terms and Conditions. Your user content must not be illegal, unlawful, or subject of any legal proceedings or complaints.

By submitting your user content, you grant Garanti RE a worldwide, perpetual, non-exclusive, royalty-free license to use, copy, publish and distribute your user content. In addition, you grant Garanti RE the right to sub-license these rights and the right to bring an action for infringement of these rights.

Garanti RE reserves the right to modify or remove any material submitted to this website or stored on its servers.

No warranties

This website is provided “as is” and “as available”. Garanti RE gives no guarantee, representation, warranty or condition, expressed or implied in relation to this website or the content published on this website.


Without limiting the foregoing, Garanti RE does not warrant that this website will be available at all times or that the information published on this website is complete, accurate and true.

The information published on this website shall not be construed or interpreted as being an advice of any kind. Please consult a professional for any advice you may require.


You hereby indemnify Garanti RE against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Garanti RE to a third party in settlement of a claim or dispute) incurred or suffered by Garanti RE arising out of any breach by you of any provision of these Terms and Conditions.

Limitations of Liability

Garanti RE will not be liable for any indirect, special, incidental or consequential loss, loss of profits, business or data, whether arising from negligence, breach of contract or otherwise, in relation to the content or the use of this website, regardless whether Garanti RE has been expressly advised of the potential damage or not.

Nothing in these Terms and Conditions will exclude or limit:

– any warranty implied by law that would be unlawful to exclude or limit;

– Garanti RE’s liability arising from death or personal injury caused by Garanti RE’s negligence, fraud or any matter which it would be unlawful for Garanti RE to exclude or limit.

By using this website, you agree that the exclusions and limitations of liability set out in these Terms and Conditions are reasonable. If you do not agree they are reasonable, you must stop using this website.

Breaches of these Terms and Conditions

Without prejudice to Garanti RE’s other rights under these Terms and Conditions, in case of a breach of these Terms and Conditions, Garanti RE may take the actions deemed appropriate, including suspending and prohibiting access to the website, requesting internet service providers to block users’ access to the website and/or initiating court proceedings.



Garanti RE reserves the right to vary or amend these Terms and Conditions at any time. The most recent version of the Terms and Conditions will apply to the use of this website from the date of publication on the website. Please visit these Terms and Conditions on a regular basis to ensure that you are familiar with the latest version.


Garanti RE may transfer, subcontract or assign Garanti REs rights and/or obligations under these Terms and Conditions without notifying you or obtaining your consent.

You may not transfer, subcontract or assign your rights and/or obligations under these Terms and Conditions.


If a provision of these terms and conditions is found to be unlawful and/or unenforceable under the applicable law, the other provisions will continue in full force and effect.

Entire agreement

These Terms and Conditions, together with the Privacy Policy, constitute the entire agreement between you and Garanti Re in relation to the use of this website, and supersede all previous agreements in respect of your use of this website.

Law and jurisdiction

These Terms and Conditions will be governed by and construed in accordance with the laws of ………………………… Any disputes relating to these Terms and Conditions will be subject to the exclusive jurisdiction of the courts of ………………………………

Garanti RE’s details

The full name of Garanti RE is ……………………………..

Garanti RE is registered in ……………………………..under registration number …………….

Garanti RE’s address is ………………………………

You can contact Garanti RE using the email ……………………………..