Terms of Service

These Terms of Service explain how the digital services of Aveon Insurance work and the rules that apply when you use them. Please read them carefully.

1. Acceptance and Scope

These terms apply to the Aveon Insurance website (aveoninsurance.com), customer accounts, mobile application, online forms and payment pages, and the integrations through which our services can be reached, such as AI assistants (together, the "Digital Services"). By using the Digital Services you accept these terms. If you do not agree with them, please do not use the Digital Services.

The Digital Services are operated by Aveon Insurance (Aveon Sigorta), an insurance company licensed in the Turkish Republic of Northern Cyprus (TRNC).

These terms only describe how our Digital Services work. They do not replace, amend or form part of any insurance policy. Your cover, rights and obligations under an insurance contract are determined solely by the policy document, its general and special conditions and the applicable TRNC legislation. If anything in these terms conflicts with a policy document, the policy document prevails.

2. Insurance Information and Quotes

Product pages, guides, frequently asked questions, blog articles and calculators on the Digital Services provide general information. They are not advice tailored to your circumstances, and they do not describe the full scope, exclusions or conditions of any cover.

• A quote request is a request for us to contact you. It does not create an insurance contract or any cover.
• Any price shown or calculated online is an estimate based on the information provided. It is not binding until we confirm it to you in writing.
• We may ask for further information or documents, and we may decline to offer cover in line with our underwriting criteria.
• You are responsible for the information you provide being complete and accurate. Incorrect or missing information may affect the price, the cover or the validity of a policy.

3. Online Applications and Transactions

Depending on the product, the Digital Services allow you to submit proposals, register vehicles, view your active insurances, notify claims and make payments.

• Submitting a proposal is an application. Cover begins only when we accept the application, issue the policy and the premium is paid as agreed, or as otherwise stated in the policy.
• Online payments are processed by licensed payment service providers. Aveon does not store your full card details.
• Payment links are personal to you. Please do not share them. A payment is complete only once it is confirmed by the payment provider and recorded by us.
• If a transaction fails or is interrupted, please check your account or contact us before trying again, to avoid paying twice.
• A claim notification made online starts the claims process. It does not by itself mean that the claim is accepted; claims are assessed under the policy terms.

4. AI Assistants and Integrations

Aveon offers a Model Context Protocol (MCP) connector that allows third-party AI assistants, such as ChatGPT or Claude, to list our insurance products and send a quote request to us on your behalf. When you use it:

• The AI assistant is a third-party service. It is not operated or controlled by Aveon, and we are not responsible for its answers, suggestions or how its provider processes your conversation.
• We receive only the information the assistant sends to us through the connector. It is handled as a quote request as described above.
• The connector can only list products and submit new quote requests. It cannot access your account, policies or any other information we hold about you, and it cannot issue, change or cancel a policy.
• Statements made by an AI assistant about prices, cover or conditions are not binding on Aveon. Only information we confirm to you in writing is.
• Using an AI assistant is entirely optional. You can always request a quote on our website or contact us directly.

We may limit, suspend or change our integrations at any time, including to prevent misuse.

5. Digital Communication and Documents

You agree that we may contact you electronically about your requests, applications, policies, payments and claims, including by email, SMS, phone and messaging applications, using the contact details you provide.

• Offers, policy documents, receipts and notices may be sent to you electronically. Where applicable, the signed physical copy of your policy is also delivered to you.
• Please keep your contact details up to date. We are not responsible for communications that do not reach you because the details you gave us are incorrect or out of date.
• Aveon will never ask for your password, verification codes or full card details by email, phone or message. If you receive such a request, do not respond and let us know.
• Marketing messages are sent only where permitted, and you can opt out of them at any time.

6. Accounts

• You must provide accurate information when registering and verify your email address.
• You are responsible for keeping your login details confidential and for activity carried out through your account. We recommend enabling two-factor authentication.
• You may only add or manage people, vehicles and insurances that you are authorised to act for.
• Tell us immediately if you suspect that someone else has accessed your account.
• We may suspend or close accounts that are used in breach of these terms, contain false information or pose a security risk.

7. Security and Acceptable Use

When using the Digital Services, you agree not to:

• provide false or misleading information, or submit someone else's information without their consent;
• attempt to gain unauthorised access to the Digital Services, other users' data or our systems;
• disrupt the Digital Services, including by sending automated or bulk requests, spam or malicious code, or by circumventing rate limits and other security measures;
• copy, scrape or reuse our content, prices or data for commercial purposes without our written permission;
• use the Digital Services for fraud or any other unlawful purpose.

We apply reasonable technical and organisational measures to protect the Digital Services, but no online system can be guaranteed to be completely secure.

8. Third-Party Services and Availability

The Digital Services rely on third-party providers, such as payment processors, hosting, email and messaging services, maps and analytics, and may link to third-party websites. These services are governed by their own terms, and we are not responsible for their content or availability.

We aim to keep the Digital Services available, but we do not guarantee that they will be uninterrupted or error-free. We may carry out maintenance, change or discontinue features, or limit access at any time. If an online service is unavailable, you can reach us by phone or at our branches.

9. Privacy and Personal Data

We process personal data collected through the Digital Services in accordance with the applicable TRNC legislation and our Privacy Policy and Cookie Policy, which explain what we collect, why, and the rights you have.

10. Complaints and Termination

If you are not satisfied with the Digital Services or our service, please contact us using the details below. We will review your complaint and respond as soon as possible. If you are not satisfied with our response, you may apply to the competent authorities in the TRNC.

You may stop using the Digital Services and ask us to close your account at any time. Closing an account does not cancel any policy; cancellation is governed by the policy terms. We may keep records for as long as the law requires.

11. Legal Terms

• To the extent permitted by law, Aveon is not liable for losses arising from interruptions or errors in the Digital Services, from third-party services, or from relying on general information published on them. This does not limit any liability that cannot be excluded by law or our obligations under an insurance policy.
• The content, design, logos and software of the Digital Services belong to Aveon or its licensors and may not be used without permission.
• We may update these terms from time to time. The current version and its date are always published on this page, and continuing to use the Digital Services after an update means you accept the updated terms.
• If any provision of these terms is found to be invalid, the remaining provisions remain in effect.
• These terms are governed by the laws of the TRNC, and the courts of Nicosia (Lefkoşa) have jurisdiction over any dispute.
• The original version of these terms is in Turkish. The English, Russian, German and Greek translations are published for information only. If the Turkish text and any translation differ, conflict or can be read differently, the Turkish text always prevails.