Kern Finans ve Danismanlik Hiizmetleri considers data protection as one of its highest priority.
We process the personal data which you provide us when visiting our website in accordance with current Turkish Data Protection Law. When you visit our website or read our marketing e-mails, information about you is being collected.
Personal data provided is being stored (e.g. name, address, e-mail, other contact information) or by simply browsing our website.
Below you can find processes that we conduct to ensure personal data about you as an individual or legal entity are being managed legally.
Certain parts of your personal data are needed for legal aspects of conducting our business. Kern Finans ve Danismanlik Hizmetleri strives to provide you with the best service possible keeping your personal data secure at any stage.
Kern Finans ve Ddanismanlik Hizmetleri collects provided by end-users for rendering the services offered on our website to you, for internal statistical purposes, for improvement of our services and website, for communicating with you, and for fulfilling legal requirements.
Kern Finans ve Danismanlik Hizmetleri hereby confirm that addresses will not be sold or forwarded to third parties.
All personal data is processed in accordance with the Turkish DataProtection Law. Kern Finans ve Danismanlik Hizmetleri states that it will not forward such personal data to third parties other than its business partners, and will only use it for the intended purpose. You acknowledge and agree that in the course of fulfilling our services for your, your personal may be accessed in, transferred to, and used in countries with laws that may not guarantee the same level of data protection as in Turkey.
Regarding your payment transactions, we do not collect, nor record nor store any credit card.
We provide PCI self-assessment questionnair.
By using this website, you declare that you agree to Kern Finans ve Danismanlik Hizmetleri processing your personal data in the manner described herein and for the mentioned purposes.
THIS UPDATED ON MAY, 2018 REGARDING TO THE RULES OF GENERAL DATA PROTECTION REGULATION (GDPR)
GENERAL
In this privacy & cookies policy (“Policy”), we describe the information that we collect about you, that you provide to us, is provided to us by third parties, and will be processed by us, as you use this website (our “Website”) and the services available through this Website. We recommend that you read this policy carefully in order to understand what Kern Finans ve Danismanlik Hizmetleri and its subsidiaries, including Kuyucu Hukuk Burosu, Kern Tercume Burosu and the other sister companies (“we”, “us”, “Kern”) do with your personal information. Your use of our Website and Services and any dispute over privacy, is subject to this Policy and any of our applicable Terms and Conditions for use of our Services, including their applicable limitations on damages and the resolution of disputes. Our Terms and Conditions for our Services are incorporated by reference into this Policy. By visiting www.kernfinance.org you are accepting and consenting to the practices described in this Policy. Regardless of the applicable law set forth in the Kern Terms and Conditions for use of our Services, however, please note that any disputes arising under this Policy will be interpreted in accordance with the Governing Law provision set forth below.

HOW, WHEN AND WHAT WE COLLECT?
How does Kern collect my information?
We collect information directly from you, about you from third parties such as our marketing affiliates and service providers used to verify your identity and prevent fraudulent activity, other Kern clients or customers for the purpose of providing the Kern Services to you, and automatically as you use our Website and the Services
When does Kern collect my information?
When you apply for and use our Services, you contact us with questions, and you otherwise choose to provide information to us.
We receive information about you from banking references, credit reporting agencies, affiliates, other Kern users if they provide us your name through our referral programs, and other third parties (e.g., entities that assist us in validating your identity, among others). We may combine this with other information that we collect about you.
We, and our third party service providers , automatically collect the following information about your use of our Website and our online Services through cookies, web beacons, log files and other technologies: your domain name, your browser type and operating system, web pages you view, links you click, your IP address, the length of time you visit our Website or use our Services, your activities on our Website, and the referring URL or the webpage that led you to our Website.
What information does Kern collect?
The types of information we collect about you depends on your particular interaction with our Website and our Services, and might include, where permitted by applicable law:
Your contact information (e.g., name, email address, phone number, billing or mailing address)
Bank and credit account information
IP address, geolocation
Identity validation (e.g., photograph, other information requested to verify your information)
Credit history
National identification numbers
Date of birth
Details of any transactions carried out using any of the Services
Any other information that you choose to provide to us (e.g., if you send us an email/otherwise contact us)
Calls/emails/other correspondence
Information about your business
You are responsible for providing accurate and up-to-date information
HOW WE USE YOUR INFORMATION
To validate your identity.
To provide our Services to you, to communicate with you about your use of our Services or any changes in our Terms and Conditions that apply to you.
For the purpose for which you specifically provide the information to us, including, to respond to your inquiries, to provide any information that you request, and to provide customer support.
To tailor the content and information that we may send or display to you, to offer location customization (where permitted by applicable law), personalized help and instructions, and to otherwise personalize your experiences while using our Website and our Services, such as developing and offering you with new and/or additional services or new and/or additional features to existing services.
For marketing and promotional purposes, for example, where permitted by law (other than if (where applicable) you opted out by unsubscribing from marketing emails and/or by contacting us as noted in the table below), we may use your information, such as your email address, phone number, or mailing address to send you newsletters, special offers and promotions, or to otherwise contact you about services or information we think may interest you, or to conduct draws for campaigns and the like and deliver prizes and rewards .

As permitted by applicable law (other than if (where applicable) you opted out), to assist us in advertising our products and services in various mediums including, without limitation, sending you promotiona l emails, advertising our services on third party sites and social media platforms, sending you direct mail, and by telemarketing.
To better understand how users access and use our Website and our Services, both on an aggregated and individualized basis, to administer, monitor, and improve our Website and Services, for our internal purposes, and for other research and analytical purposes.
To protect us, our customers, employees or property — for instance, to investigate fraud and prevent fraudulent activity, harassment or other types of unlawful activities involving us or other companies that we do business with, to enforce this Policy, as well as our Terms and Conditions.
WHEN DO WE SHARE YOUR INFORMATION?
We share your information with third parties, including service providers, regulated institutions (e.g., financial institutions), affiliated entities, and business partners as set out in the table below. In the section below, we also list the reasons why we share information.
How and Why We (Kern) Share Your Information?
With our service providers and partners – to assist us with the provision of the Services and our everyday business purposes, such as to verify your identity, prevent fraudulent activity, conduct internal research and analytical assessments, process your transactions, maintain your account(s) and provide you with customer care services. Yes
With fraud prevention and detection service providers – for the purpose of detecting and preventing fraudulent activity. Such service providers may keep records of information provided and use it when providing fraud detection and prevention services to other users of their databases. Yes
For marketing purposes:
1. With our service providers and our partners – to market our own products and services; and
2. With non-partnereddthird parties for joint marketing purposes. Yes*
In response to legal process – to comply with the law, a judicial proceeding, subpoena, court order, or other legal process. Yes
In connection with business transfers – to another entity if we are acquired by or merged with such other entity, if substantially all of our assets are transferred to such other entity, or as part of a bankruptcy proceeding. Yes
To protect us and others – we may disclose your information when we believe it is necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the safety of any person, violations of our Terms and Conditions or this Policy, or as evidence in litigation in which we are involved. Yes
Aggregate and de-identified information – we may disclose aggregate or de-identified information about users for marketing, advertising, research, or similar purposes. Yes
* If you do not want us to use your details for us to market to you, and/or to pass your details on to third parties for marketing purposes, please contact us through the phone number or email address listed in the Section titled “Contact Us, Questions, Updating Your Info, Opting Out” below. You will also be able to unsubscribe from any marketing emails sent to you by Kern using a link provided in the email.
WHERE WE STORE YOUR DATA
All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using SSL technology.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our Website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent un-authorized access.
CHANGES TO OUR PRIVACY POLICY
This Policy may change from time to time. Any changes in the future will be posted on our Website and, where appropriate, notified to you by email. We will not materially reduce your rights under this Policy without taking steps to bring such changes to your attention.
CONTACT US, QUESTIONS, UPDATING YOUR INFO, OPTING OUT
If you are a Kern Services customer and would like to update your information contact us through the contact information below. If you are not a Kern Services customer, but have provided us with information, and would like to update your information, you may contact us through the phone number or email address listed below. From time to time, we may email you with special offers; you may opt-out of those offers through the email or by contacting us as noted below.
Kern Customer Care (Kuyucu Hukuk Burosu)
Cukur Gulluoglu Sok Adalet Is Merkezi No : 5 107 Sahinbey, Gaziantep, Turkey
Phone: 90-342-220 5888
Email: support@kernfinance.org
Web: www.kernfinance.org
GOVERNING LAW & JURISDICTION
Save in relation to customers, this Policy shall be governed by and interpreted in accordance with the laws of the Turkey , and any dispute hereunder shall be brought exclusively in the courts of the Ankara of Turkey except where prohibited by Turkey law.
DISCLAIMER
Any and all content provided on this Website or the Services, including links to other websites is provided for information purposes only and does not constitute advice, recommendation or support of such content or website. Kern makes every effort to provide true and accurate content on its Website. However, Kern provides no warranty, express or implied, of the accuracy, completeness, timeliness, or applicability of such content. Kern accepts no responsibility for and excludes all liability in connection with information provided on the Kern website, including but not limited to any liability for errors, inaccuracies or omissions.
WHEN DO WE SHARE YOUR INFORMATION
The table headed “How and Why We Share Your Information” in the main part of the Policy under the heading “WHEN DO WE SHARE YOUR INFORMATION” lists who we may share your information with, which include transfers for reasons of legal compliance and necessity in order to provide you with our Services.
You should be aware that when sharing your information, it may be transferred to, and stored at, a destination outside the Europe.
Please note that where data is transferred outside of the Europe, non-European countries may not offer the same level of protection for personal data as is available in the Europe. Kern will take various measures to ensure that your data is treated securely, which may include, but not be limited to: assessing the security measures taken at any place your data is transferred to; having suitable contract terms in place that oblige a data processor to only process in accordance with our instructions; and having monitoring, reporting and resolution procedures in place with regard to ongoing security.
Please contact us if you require more detailed information about international transfers of your information, and the particular safeguards used.
LEGAL GROUNDS FOR PROCESSING YOUR PERSONAL DATA
We process your information based on the following legal grounds, as recognised by and in compliance with the applicable data protection laws: the processing is necessary to perform our contract with you (i.e. the Terms and Conditions that apply as applicable with respect to Kern Services, for the provision of our Services), or to take steps requested by you befrore entering into said contract; the processing is in Kern’s or someone else’s legitimate interests, and these interests are not overridden by your interests or rights in the protection of your personal data. This may include processing your data for prevention of fraudulent activity, internal research and analytics assessments, for purposes of communication with you, and informing you about new products and services we are offering or to promote new products and services of other parties which we think may be of interest to you, etc.; you have given your consent to the processing of your data; the processing is necessary to meet a legal obligation which applies to Kern.
If you would like more information about the legal grounds used to process your information, or about the legitimate interests referred to above, please contact us.
In cases where we have asked for, and you have given, your consent to our processing of your personal data, you have the right to withdraw such consent at any time. You can do this by contacting our lawyer at support@kernfinance.org.
DO YOU HAVE TO GIVE US YOUR INFORMATION?
In most cases, providing your personal data to us is optional, however, if you do not provide it, you will not be able to use our Services. For example, we need details such as your name, address and bank account details so that we can make payments to you and receive payments from you. In other cases, you have a choice over whether we collect your personal data, for example, you can turn off cookies on your browser and we will not place any cookies on your device or computer (although in this case you may not be able to use all parts of our website).
HOW LONG DO WE KEEP YOUR INFORMATION?
Kern retains your information as required by applicable laws or regulations and/or in accordance with Kern’s internal policies and procedures for purposes of prevention of fraudulent activity, risk management and security. Kern will periodically review the necessity of retention of your data.
We will stop processing your personal data unless we have compelling legitimate grounds for the processing which override your interests and rights, or unless we are processing the data for the establishment, exercise or defence of legal claims.
You can require us to stop using your data for direct marketing purposes. We will stop as soon as we receive your request. There are no exemptions or reasons for us to refuse.

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