Bank Transfer Payment Method – Legal Disclaimer

Bank transfers are processed through the banking networks of Time Towins and your receiving bank, which are third parties outside our control. Once a payment has been submitted to the banking network, Time Towins cannot guarantee its speed, and cannot reverse a transfer that the receiving bank has already accepted and credited based on the account details you provided.

You are solely responsible for ensuring the accuracy of the account holder name, IBAN, bank name, and SWIFT/BIC code you save. Providing incorrect or outdated details may result in delay, rejection, additional bank fees, or in some cases irreversible loss of funds.

To save a bank transfer method, you must provide accurate and current information, including:

If your saved country is Turkey, transfers are processed domestically and a SWIFT/BIC code is not required. If you are outside Turkey, or your saved country is not Turkey, your transfer is treated as an international transfer, and:

• A valid SWIFT/BIC code for your receiving bank is required.
• Your bank or an intermediary correspondent bank may deduct additional processing fees before the funds reach your account.
• Processing times for international transfers are typically longer than domestic transfers and are not guaranteed by Time Towins.
• Currency conversion, where applicable, is performed at the rate applied by the banks involved, not by Time Towins.

By saving a bank transfer withdrawal method, you confirm that:

• You are the sole legal holder of the bank account provided, or are otherwise authorized to receive funds into it.
• The IBAN, bank name, SWIFT/BIC, and account holder name are correct, current, and consistent with one another.
• You understand that Time Towins will not independently verify bank account ownership beyond the checks described in this disclaimer and our Terms of Service.
• You are aware of and comply with any banking, tax, or foreign-exchange regulations applicable in your country of residence.
• You are 18 years of age or older, or the minimum legal age in your country.
• The phone number you provide is accurate and may be used to contact you regarding this specific transfer if needed.

Funds received by bank transfer may be subject to income tax, reporting obligations, or other requirements depending on your country of residence. Time Towins does not provide tax or banking advice and is not responsible for your tax reporting or declaration obligations.

You are solely responsible for complying with all applicable laws and regulations related to receiving funds by bank transfer in your jurisdiction.

You must take all reasonable measures to protect your banking details and account, including:

• Never sharing your online banking password, card PIN, or one-time passcodes with anyone.
• Enabling two-factor authentication on your Time Towins account.
• Verifying that any communication asking you to change your saved IBAN or bank details genuinely originates from Time Towins, using the in-app Settings page only.

Time Towins will never ask you to send money to "verify" a bank account or to pay a fee to release a withdrawal. Any such request is fraudulent.

Time Towins liability is limited to the extent permitted by applicable law. We are not liable for losses arising from:

• Incorrect IBAN, SWIFT/BIC, bank name, or account holder name provided by the user
• Rejection, delay, or additional fees applied by the receiving or intermediary bank
• Currency conversion rates applied by third-party banks
• Banking system outages, maintenance windows, or failures
• Regulatory or sanctions-related restrictions in the user's jurisdiction

By checking the acceptance box when saving a bank transfer withdrawal method, your acceptance of this Disclaimer is recorded against your account together with the date, time, and version accepted. This record is kept for as long as your account exists and for a reasonable period afterward, as required to demonstrate compliance with applicable law.

If you also plan to withdraw by cryptocurrency, a separate Crypto Withdrawal Disclaimer applies to that method.