Terms of Use

Last updated: 10 October 2026

These terms apply to the SayMatik mobile app for iPhone and Android, the website saymatik.com with its web wallet, and the services behind them (together, “SayMatik”). SayMatik is provided by ZİNCİRX BİLİŞİM TEKNOLOJİ VE DANIŞMANLIK A.Ş. (“we”, “us”). By using SayMatik you accept these terms. If you do not accept them, do not use SayMatik.

1. Who we are

How we handle personal data is explained in our Privacy Policy and, in Turkish, in our KVKK Aydınlatma Metni.

2. Who may use SayMatik

• You must be at least 18 years old and legally able to enter into a binding contract.
• You may not use SayMatik if you are subject to sanctions (see section 10) or if using it is illegal where you live or where you are.
• If you use SayMatik for a company or other organisation, you confirm that you are authorised to accept these terms on its behalf.

3. What SayMatik is, and is not

SayMatik is software that lets you create and manage your own wallets on the SCI network and other EVM-compatible blockchains, and use smart contracts on them: to send and receive crypto assets, create and manage tokens, lock tokens, swap tokens, post and take peer-to-peer offers and use the other features in the app. Every action is a transaction that you sign with your own key and that the blockchain carries out.

We do not hold your crypto assets, we do not execute orders or trade on your behalf, and we are not a party to transactions between you and other users. SayMatik is not a bank, a payment or electronic money institution or an investment firm. Blockchains, smart contracts written by others and the nodes and data providers the app connects to are not under our control.

4. Your wallet and your keys

• When you create or import a wallet, the recovery phrase and private keys are generated or entered on your device and stored there in encrypted form. They are never sent to us.
• You alone are responsible for backing up your recovery phrase and keeping it secret. Anyone who has it controls your assets. If you lose it and lose access to the app (for example after losing your phone, deleting the app or a failed update), we cannot restore your wallet.
• The password you set in the app protects the app on your device. We do not know it and cannot reset it; you can always restore your wallet with your recovery phrase.
• We will never ask for your recovery phrase, private key or password. Anyone who does is attempting fraud.
• Keep your device and operating system secure and up to date. We are not responsible for losses caused by malware, a compromised or rooted/jailbroken device, or someone else using your device.

5. Transactions

• Before you confirm a transaction, check the recipient address, the network, the asset and the amount. Assets sent to a wrong address or on the wrong network are normally lost.
• Confirmed blockchain transactions are public, permanent and irreversible. We cannot cancel, reverse or refund them.
• Every transaction needs a network fee (gas) paid to the blockchain, not to us. A transaction can fail or be delayed and still use gas.
• Balances, prices and histories shown in SayMatik come from blockchain nodes, block explorers and market data sources. They can be delayed or wrong; the blockchain itself is the record.

6. Specific features

Creating and managing tokens

If you create a token or NFT collection with SayMatik, you are its issuer. You alone are responsible for the token, its name, symbol, logo and description, what you tell others about it and for complying with the laws that apply to issuing, offering, promoting and selling it, including capital markets, crypto-asset, consumer protection, advertising and tax law. We do not review, audit or endorse tokens created with SayMatik.

Token list and listing requests

Showing a token in SayMatik's token list is our decision. A paid listing request is reviewed before the token is shown, and we may reject or later remove any listing, for example for suspected fraud, infringement or legal risk. A listing is not an endorsement. If we reject a paid request, contact us about the fee.

Swaps, peer-to-peer offers and the token locker

These features use smart contracts. Prices, liquidity and the behaviour of other users are outside our control. In peer-to-peer trades you deal directly with another user at your own risk. Tokens you lock are released only under the rules of the locker contract.

Buying SCI

The Buy SCI feature lets you obtain SCI, the native coin of the SCI network, by sending a supported stablecoin on a supported network to the sale address shown in the app. After the payment is confirmed on the blockchain, SCI is sent to the address that paid, at the price shown in the app. Buy SCI is not offered in Türkiye (section 9): no SCI is sent for a payment whose notification comes from an IP address registered in Türkiye (this can include some networks used outside Türkiye), for example from an older version of the app; if this happens to you, contact info@zincirx.com with the transaction hash. Buying SCI gives you no ownership interest in, and no claim against, us or anyone else, and nobody promises you a return, liquidity or a buy-back. Where this feature is not lawful for you, do not use it.

Property tokens

The real-estate section shows property listings provided by imlakchain.com and lets you buy property tokens and create property listings on the SCI network. The terms of each offer, the property and any rights attached to its tokens are the responsibility of whoever issues them; we provide the wallet software only. Property details you list are written to the blockchain and become public.

Event certificates

Event organisers can create events and issue attendance certificates on the blockchain. When you register for an event, the name, e-mail address and organisation you enter are written to a public smart contract (see our Privacy Policy). Organisers are responsible for their events.

Other features

We may add, change, limit by region or remove features. Some features may be offered only in the mobile app or only on the website.

7. Fees

Downloading SayMatik is free. Some actions carry a service fee, paid on the blockchain to SayMatik’s fee address, on top of the network fee. Currently these are:

• a flat fee in the network’s coin on transfers; if you have set a referrer, part of it goes to them, which does not change what you pay;
• a percentage on swaps and on token locks;
• the commission set by the peer-to-peer contract;
• a fee for creating a token and for activating trading tools for it;
• a fixed fee in USDT for a token listing request;
• smaller fees on some other actions, such as NFT transfers and property-token purchases.

Fees are paid in the same transaction as the action or in a separate transaction signed with your key, and we may change them for future transactions. Like any blockchain transaction, fees cannot be reversed once confirmed. Because the price of crypto assets depends on market movements outside our control and on-chain actions are carried out immediately, the statutory right of withdrawal does not apply to them, to the extent the law allows.

8. Risks and no advice

• Crypto asset prices are highly volatile, and an asset can lose all of its value or become impossible to sell.
• Smart contracts and blockchains can have bugs, be attacked, be changed (forks) or stop working.
• Laws on crypto assets change and differ between countries, and may restrict what you can do.
• Scams are common: fake tokens, phishing links, fake support staff and “too good to be true” offers.
• Nothing in SayMatik, including prices, charts, token lists or listings, is investment, financial, legal or tax advice, or a recommendation to buy, sell or hold anything.
• You are responsible for your own decisions and for any taxes on your transactions.

9. Users in Türkiye

• Under the Central Bank of the Republic of Türkiye’s Regulation on the Disuse of Crypto Assets in Payments (Official Gazette, 16 April 2021, No. 31456), crypto assets may not be used, directly or indirectly, in payments. You must not use SayMatik to pay or to accept payment for goods or services in Türkiye.
• Crypto-asset services in Türkiye are regulated under the Capital Markets Law No. 6362 as amended by Law No. 7518. SayMatik does not hold your assets or trade on your behalf; you are responsible for using it, and for any token you create or offer, in line with these rules.
• Eppay QR payments (paying an Eppay QR code and making “Get paid” codes) and Buy SCI are not offered in Türkiye; do not use them there, for example with an older version of the app. No SCI is sent for a Buy SCI payment whose notification comes from an IP address registered in Türkiye (section 6).

10. Prohibited use, sanctions and AML

You must not use SayMatik:

• for anything illegal, including money laundering, terrorist financing (for example under Turkish Laws No. 5549 and No. 6415), fraud, tax evasion or dealing in the proceeds of crime;
• if you are, or act for, a person or entity subject to sanctions of the United Nations, the Republic of Türkiye, the European Union, the United Kingdom or the United States, or if you are located in a country or region subject to comprehensive sanctions, or to deal with such persons;
• to run scams, “rug pulls”, pump-and-dump schemes or other market manipulation, or to create tokens that mislead people or copy other people’s names, trademarks or logos;
• to attack, overload, scrape at scale or probe the security of our servers and APIs, to bypass fees or security measures, or to reverse engineer the app except where the law allows it;
• to infringe anyone’s rights or to send malware, spam or unlawful content.

We may block access to our website and servers where the law requires it or where we reasonably suspect a breach of this section, and we cooperate with competent authorities as required by law. Assets already on the blockchain stay under the control of whoever holds the keys.

11. Third-party services and app stores

SayMatik connects to services we do not run, such as blockchain nodes (RPC providers), block explorers, market data sources, other smart contracts and websites you open from the app. Their own terms apply, and we are not responsible for them.

If you downloaded the app from the Apple App Store, these terms are between you and us, not Apple. Apple is not responsible for the app or its content, has no obligation to provide maintenance or support, and is not responsible for any claim relating to the app (including product liability, legal or regulatory compliance and intellectual property claims). If the app fails to conform to any applicable warranty, you may notify Apple, which will refund the purchase price, if any. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you. Google Play’s terms also apply to apps downloaded from Google Play.

12. Intellectual property and licence

The SayMatik name, logo, app and website belong to us or our licensors. We give you a personal, non-exclusive, non-transferable, revocable licence to use the app and website in line with these terms. Open-source components are used under their own licences. Content you submit, such as a token’s name, logo and description for a listing, stays yours; you allow us to display it in SayMatik and confirm that you have the right to use it.

13. Disclaimers and liability

SayMatik is provided “as is” and “as available”. To the extent the law allows, we do not guarantee that it will be uninterrupted, error-free or suitable for a particular purpose, or that the data shown is accurate.

To the extent the law allows, we are not liable for losses caused by: a lost, stolen or disclosed recovery phrase, key or password; your mistakes, such as a wrong address or network; malware or someone else using your device; blockchains, smart contracts, nodes, explorers, data sources or other third parties; market movements; or events outside our reasonable control. To the extent the law allows, we are not liable for indirect or consequential loss or loss of profit.

Nothing in these terms limits or excludes our liability for intent or gross negligence, for death or personal injury, or any other liability that cannot be limited under applicable law, and nothing in them affects your mandatory rights as a consumer.

14. Suspension and ending use

You can stop using SayMatik at any time by deleting the app; first make sure your recovery phrase is backed up. We may suspend or end your access to our website, servers and listing service, or stop offering SayMatik, in particular if you breach these terms or the law requires it. Because SayMatik is self-custody software, this never gives us control of your assets: you can always use your recovery phrase in another compatible wallet.

15. Changes

We may update these terms, for example when features or the law change. We will publish the new version here with a new date and, for significant changes, tell you in the app or on the website before they take effect. If you do not agree with the new terms, stop using SayMatik.

16. Governing law and disputes

These terms are governed by the laws of the Republic of Türkiye. The courts and enforcement offices of İzmir have jurisdiction over disputes arising from them.

If you are a consumer, this does not limit your right to apply to the consumer arbitration committee (tüketici hakem heyeti) or the consumer court that is competent under Turkish Consumer Protection Law No. 6502, including for your place of residence, subject to mandatory mediation where it applies. If you live in another country, you also keep the protection of the mandatory consumer law of that country.

17. Contact

Questions about these terms: info@zincirx.com, or by post to the address in section 1.