TERMS OF SERVICE OF OTP.COM

Last Update: August 11, 2026

These Terms of Service (“Terms”) constitute a legally binding agreement between you, the person or legal entity accessing the Services, topping up a Credit Balance, or using the Services (“Customer”, “User”, “you” or “your”), and Verifykit Yazılım A.Ş., a company incorporated under the laws of Türkiye, with its registered address at Maslak Mah. Büyükdere Cad. Uso Center Plaza No:245 / 27 Sarıyer / İstanbul, Türkiye, and, where applicable, its affiliates, subsidiaries, successors and assigns (referred to herein as “Otp.com”, “Verifykit”, “Company”, “we”, “us” or “our”), concerning your access to and use of the Otp.com website, dashboard, APIs, software, integrations, documentation, related features, and verification services (collectively, the “Platform”).

BY ACCESSING THE PLATFORM, CREATING AN ACCOUNT, INTEGRATING WITH ANY API, TOPPING UP A CREDIT BALANCE, PURCHASING OR USING ANY SERVICE, OR CLICKING “AGREE”, “ACCEPT”, “CONTINUE” OR A SIMILAR BUTTON, YOU CONFIRM THAT YOU HAVE READ, UNDERSTOOD AND ACCEPT THESE TERMS. IF YOU ARE ACCEPTING ON BEHALF OF A LEGAL ENTITY, YOU REPRESENT THAT YOU HAVE FULL AUTHORITY TO BIND THAT ENTITY AND THAT ALL NECESSARY CORPORATE APPROVALS HAVE BEEN OBTAINED. IF YOU DO NOT ACCEPT THESE TERMS, YOU MUST NOT ACCESS OR USE THE PLATFORM OR SERVICES.

The Platform is intended for business use only. By using the Platform, you represent that you are acting in the course of a trade, business, craft or profession, and not as a consumer. If you access or use the Platform on behalf of a company or other legal entity, you represent and warrant that you have full authority to bind that entity and all references to “you” refer to the entity you represent, as applicable.

The Platform may be accessed from multiple countries and jurisdictions. You are solely responsible for determining whether your access to and use of the Platform, your Customer Applications, your verification flows, and your communications to End Users are lawful in each relevant jurisdiction. You must not access or use the Platform where such access or use would be unlawful, would require authorisation, registration or licensing that you or we do not hold or would expose us, our Providers or our Merchant of Record to legal, regulatory, sanctions, telecom, messaging, platform, carrier or payment-network risk.

Otp.com provides business to business verification infrastructure. It is not a telecommunications carrier, public communications service, banking authentication authority, qualified trust service provider, identity-verification bureau, government identity system, regulated electronic-signature service or mission-critical security system. You must not rely on the Services as your sole or mandatory mechanism for any use case where failure, delay, filtering or non-delivery could reasonably result in death, personal injury, physical harm, material financial loss, loss of statutory rights, or other high-risk consequences.

With your acceptance of these Terms, you further acknowledge that you have read and understood our Privacy Policy, Cookie Policy, Data Processing Addendum, Purchase Policy, Acceptable Use Policy, order forms, product documentation, API documentation, service-specific notices, and any other policies or notices made available on or through the Platform from time to time (collectively, the “Policies”). These Policies are incorporated into, and form an integral part of, these Terms. A breach of any Policy constitutes a breach of these Terms.

If you have any questions about these Terms or the Services, please contact us at info@otp.com.

Defined Terms and Interpretation
1. Capitalized terms used in these Terms have the meanings set out below or elsewhere in these Terms. Definitions introduced in a clause apply throughout these Terms unless the context requires otherwise. References to the singular include the plural and vice versa, and references to “including” mean “including without limitation”.
2. For purposes of these Terms:
  
  “Acceptable Use Policy” means the acceptable use, anti-abuse, messaging, traffic and platform-use policy published or made available by Otp.com from time to time, as amended.
  
  “Applicable Laws” means all laws, regulations, rules, orders, court decisions, regulatory guidance, industry requirements, telecom rules, electronic communications rules, data protection laws, consumer protection laws, sanctions, export-control rules, payment-network rules, Provider requirements and platform policies applicable to you, your Customer Applications, your End Users, your traffic, your templates, your campaigns, your integrations or your use of the Services.
  
  “Business Customer” means a Customer that accesses or uses the Services in connection with its trade, business, craft or profession and not as a consumer.
  
  “Chargeable Event” means a billable event for which fees may be deducted from the Balance or otherwise charged to you, including, depending on the applicable channel and configuration, a Successful Submit, accepted email, accepted WhatsApp template message, accepted Telegram template message, voice OTP attempt, silent verification request, number intelligence request, verification check, lookup request or other event identified in the Platform, documentation, Order Form, Purchase Policy or invoice.
  
  “Customer Application” means any website, application, service, software, system, product, workflow, integration, registration flow, authentication flow, login flow, payment flow, account recovery flow, fraud-prevention flow or other environment owned, operated, controlled, offered or used by you in connection with the Services.
  
  “Customer Content” means all data, instructions, templates, message text, variables, sender names, destination numbers, email addresses, routing preferences, webhooks, metadata, files, credentials, logos, marks, campaigns, documentation, configurations and other content or materials that you or your Users submit, upload, transmit, configure or otherwise make available through the Platform.
  
  “Customer Data” means Customer Content and any personal data, End User data, verification data, usage data, technical data, logs, metadata, transaction data or other data submitted to, generated by, or processed through the Platform in connection with your account or use of the Services.
  
  “DPA” means the Otp.com Data Processing Addendum, where applicable, which governs the processing of Customer Personal Data where Otp.com acts as processor or service provider on behalf of the Customer.
  
  “End User” means any individual or entity to whom, or about whom, you send, trigger, request, verify, authenticate or otherwise process an OTP, verification message, verification event, identifier, device signal, number intelligence signal, email, WhatsApp message, Telegram message, SMS, voice OTP or other communication using the Services.
  
  “Merchant of Record” means Zotlo (Z3P LLP) or any other duly appointed reseller, merchant of record, payment intermediary, billing partner, payment processor, payment service provider or collection agent engaged by Otp.com to process payments, issue invoices, collect fees, perform fraud or sanctions screening, administer refunds or chargebacks, or otherwise facilitate transactions made through the Platform.
  
  “Order Form” means any online checkout, order confirmation, insertion order, sales order, enterprise order form, commercial schedule, dashboard confirmation, invoice or other ordering document accepted by Otp.com that sets out commercial or service-specific terms for the Services.
  
  “Otp.com IP” means all intellectual property rights in and to the Platform, Services, APIs, dashboard, software, documentation, websites, SDKs, integrations, routing logic, databases, designs, service marks, trademarks, logos, text, graphics, source code, object code, know-how, trade secrets, algorithms, reports, templates, interfaces and other materials owned by or licensed to Otp.com.
  
  “Platform” means Otp.com websites, web interfaces, dashboards, APIs, software, SDKs, documentation, integrations, tools, workflows and related online services operated or made available by Otp.com.
  
  “Provider” means any third-party carrier, mobile network operator, messaging provider, Telegram, WhatsApp or other OTT channel provider, email service provider, voice provider, cloud infrastructure provider, routing partner, verification partner, number intelligence provider, payment partner, fraud-prevention provider, telecom supplier, aggregator, gateway, platform, technology partner or other service provider used in connection with the Services.
  
  “Services” means the business-to-business verification infrastructure made available by Otp.com from time to time, including, as applicable and where enabled, API-based generation, submission, routing, transmission, processing, delivery tracking, validation, authentication, reporting, fraud-control and management of one-time passwords, verification codes, verification events and related messages through SMS, WhatsApp, Telegram, email, voice OTP, silent verification, number intelligence, lookup, dashboard tools, webhooks and other supported verification channels.
  
  “Successful Submit” means the successful acceptance of a request, message, verification event, template, email, voice OTP, SMS, WhatsApp message, Telegram message, lookup or other instruction by Otp.com, a Provider, channel, gateway, email system, network, platform or relevant infrastructure for processing or onward transmission, regardless of whether the End User ultimately receives, opens, reads, acts upon, authenticates with or successfully completes the relevant verification flow.
  
  “User” means any individual who accesses or uses the Platform through your account, API credentials, dashboard, integration, organisation or Customer Application, including your employees, contractors, agents, developers, administrators and service providers.
  
  “Verification Channels” means the channels through which Otp.com may enable verification or authentication events, including SMS, WhatsApp, Telegram, email, voice OTP, silent verification, number intelligence lookup, and any other channel or method enabled by Otp.com from time to time.
  
  "Credit Balance" means the prepaid, non-monetary credit balance visible or recorded in your account that may be used solely to purchase or consume eligible Services. The Credit Balance has no cash value, is non-redeemable, non-transferable and non-exchangeable, except where required by Applicable Law or expressly agreed by Otp.com in writing.
Description of Services and Fees
1. The Services enable Business Customers to send, submit, route, manage, validate and monitor OTPs, verification codes and related verification events for their Customer Applications and End Users through supported Verification Channels. The Services may include account registration, API credentials, dashboard access, documentation, message routing, channel selection, logs, webhooks, delivery or status information, balance management, pricing information, reporting and other operational tools made available by Otp.com from time to time.
2. The Platform may allow you to configure verification flows, submit destination identifiers, select or enable channels, manage templates, review usage, monitor Chargeable Events, top up your Credit Balance, receive invoices, view logs and access support materials. The scope and availability of these functions may differ by account type, country, destination, Provider, route, channel, traffic type, payment status, compliance status, risk profile, configuration, Order Form and commercial decision.
3. Otp.com may provide certain Services directly and may also use Providers for routing, delivery, verification, fraud prevention, infrastructure, email, WhatsApp, Telegram, SMS, voice OTP, silent verification, number intelligence, billing, settlement and related operations. You acknowledge that the Services depend on Providers and that Provider performance, network availability, routing, country coverage, template approval, message filtering, sender registration, anti-spam rules, pricing, throughput and delivery conditions may change at any time.
4. Unless expressly agreed in a signed Order Form, Otp.com does not guarantee delivery, deliverability, conversion, authentication success, latency, route stability, sender availability, country coverage, Provider availability, template approval, message ordering, message content display, email inbox placement, avoidance of spam filtering, WhatsApp account status, Telegram account or any specific verification result. Any status information, delivery report, webhook, response code, analytics, log or dashboard record is provided for operational convenience and may be delayed, incomplete, inaccurate or unavailable.
5. Fees may be incurred upon a Chargeable Event, including a Successful Submit or acceptance of a request by Otp.com or a Provider for processing, even if an End User does not ultimately receive, open, read, use, act on, complete or successfully verify with the communication. Channel-specific billing rules, including SMS submit events, Telegram events, WhatsApp authentication template events, email accepted events, voice OTP attempts, lookup requests and silent verification attempts, may be described in the Platform, documentation, Purchase Policy, Order Form or invoice.
6. Providers, mobile network operators, email providers, WhatsApp, Telegram and other channel providers may filter, block, delay, throttle, reject, suspend, re-route or restrict traffic based on their own policies, Applicable Laws, local registration requirements, anti-spam controls, sender reputation, template status, campaign classification, traffic pattern, End User complaints, fraud indicators, sanctions controls, or commercial rules. Otp.com is not liable for such actions.
7. Otp.com may require prior notice, registration, approval, template review, sender registration, campaign registration, traffic forecasting, use-case disclosure, compliance evidence, technical testing or other documentation before enabling or increasing traffic volume, throughput, routes, countries, sender identifiers, WhatsApp templates, Telegram templates, email sending, voice OTP or other channel capabilities. Otp.com may refuse, delay, suspend or condition any traffic at its sole discretion.
8. Otp.com may introduce, modify, suspend, deprecate, replace, limit, geo-block, disable or discontinue any Service, route, Provider, channel, country, sender, template, feature, API endpoint, dashboard function, pricing model, billing rule or documentation at any time, with or without notice, for legal, regulatory, security, anti-abuse, Provider-related, technical, commercial or operational reasons. Continued use of the Services after a change constitutes acceptance of the changed Services.
9. Unless expressly agreed in a signed Order Form, Otp.com does not grant exclusivity, reserve capacity, guarantee availability, commit to any minimum service level or undertake to maintain any particular route, Provider, sender identifier, country, channel or commercial model.
Your Representations and Warranties
1. By accessing or using the Platform or Services, using them, or with each purchase, Credit Balance top-up or use of the Service, you represent and warrant the following. These provisions apply to both individual and corporate Customers:
  1. you are a Business Customer, have full power, legal capacity and authority to enter into these Terms, and, where you act on behalf of a legal entity, you have authority to bind that entity and all necessary corporate approvals have been obtained. You will promptly provide evidence of such authority upon request, and you remain personally liable for any consequences arising from unauthorised representation or signature;
  2. you carry out purchases and use of the Services solely for commercial, professional or corporate purposes, that you are not acting as a consumer, and consumer protection provisions under Applicable Law, including any statutory right of withdrawal, do not apply to these Terms. This representation applies to both individual and corporate Customers;
  3. all account, billing, tax, company, contact, traffic, use-case, KYC, compliance and technical information you provide is true, accurate, complete, current and not misleading, and you will promptly update it when it changes. If you are acting as a legal entity, you are further responsible for the accuracy of your company registration, trade name, authorised signatory and KYC/KYB information. You are liable for all losses arising from inaccurate or incomplete information;
  4. you own, operate or are duly authorised to use each Customer Application, domain, sender, template, message, workflow, account, integration and data source used in connection with the Services;
  5. you have obtained and will maintain all consents, notices, authorisations, lawful bases, opt-ins, opt-outs, suppression records, do-not-contact records, registrations and permissions required to contact, authenticate, verify or otherwise process data relating to End Users through the Services;
  6. your Customer Applications, Customer Content, messages, verification flows, templates, sender identifiers, campaigns and traffic comply with Applicable Laws, Provider requirements, platform policies and these Terms;
  7. you will not use the Services for spam, phishing, smishing, spoofing, impersonation, unlawful marketing, unlawful surveillance, credential harvesting, fraud, artificial traffic generation, SMS pumping, traffic stimulation, verification abuse, account farming, bot activity, sanctions evasion or any deceptive, harmful, offensive, disruptive, abusive or unlawful purpose;
  8. you are not subject to sanctions, trade restrictions or export controls that prohibit your use of the Services; you are not on any sanctions list, including those administered by OFAC, the EU, the UN, the United Kingdom or Türkiye; if you are acting as a legal entity, your organisation, directors and ultimate beneficial owners are not on any such list either; and you will not make the Services available to any sanctioned person, restricted party or prohibited jurisdiction;
  9. your use of the Services will not infringe, misappropriate or violate any intellectual property, privacy, publicity, consumer, telecom, data protection or other rights of Otp.com, any Provider, any End User or any third party.
  10. The Services may only be used by individuals who have attained the age of 18 (eighteen) or by duly incorporated legal entities. If you are acting as an individual, you represent that you are at least 18 years old. Any individual who manages the account or accesses the Platform must also be at least 18 years old.
  11. You are responsible for ensuring that all users accessing the Platform through your account comply with these Terms. If you are acting as a legal entity, you are personally responsible for ensuring that all authorised users, including your employees, contractors, agents and developers, comply with these Terms, and you remain responsible for their acts and omissions as if they were your own.
2. Otp.com may suspend, restrict, reject or terminate your access to the Platform or Services, your account or your Credit Balance, or reject any traffic, transaction, route, sender, template, purchase flow, Customer Application or account, if Otp.com determines or reasonably suspects that any representation or warranty is inaccurate, incomplete, misleading or breached; and may request additional identification, authority or KYC/KYB documentation.
Purchase and Payment Models
1. You may purchase or access the Services through one or more commercial models made available by Otp.com, including prepaid Credit Balance, enterprise Order Forms, trial credits, promotional credits, committed spend arrangements, invoicing arrangements or other commercial models made available on the Platform from time to time. Regardless of the channel through which it is initiated or finalized, Purchase is primarily subject to the terms of this Terms, in addition to the special conditions introduced for the specific channel.
2. Unless otherwise agreed in a signed Order Form, the Services operate on a prepaid Credit Balance basis. You must maintain a sufficient Credit Balance before using chargeable Services. Where your Credit Balance is insufficient, Otp.com may reject, suspend, queue, throttle or stop requests without liability. Otp.com is not obliged to allow negative balances or extend credit.
3. The Credit Balance is a limited contractual entitlement to consume eligible Services. It is not a deposit, stored value, e-money, payment instrument, security, bank product, or cash-equivalent balance. The Credit Balance cannot be redeemed for cash, transferred, resold, exchanged, withdrawn, pledged or assigned, except where required by Applicable Law or expressly agreed by Otp.com in writing.
4. Unless a specific validity period is displayed at purchase, stated in an Order Form, applied to promotional or trial credits, or required by Applicable Law, standard purchased Wallet credits do not automatically expire. Otp.com may, however, suspend or restrict use of Credit Balance where your account is suspended, terminated, inactive, subject to sanctions, subject to compliance review, involved in chargebacks or otherwise in breach of these Terms.
5. Fees are deducted from your Credit Balance or otherwise charged based on Chargeable Events, the applicable channel, destination, route, Provider, message type, template type, pricing tier, currency, taxes, surcharges, Provider fees, location fees and commercial terms displayed in the Platform or agreed in an Order Form. Otp.com’s technical records, Provider records, transaction logs, webhook logs, accepted events, submit records, invoices and ledger records constitute prima facie evidence of usage, deduction and billing, absent manifest error.
6. Otp.com may change prices, fees, destination rates, Provider surcharges, channel fees, tax treatment, minimum charges, rounding rules, chargeable event definitions, routing logic, Credit Balance packages, commercial plans and other pricing terms at any time. Unless otherwise stated, changes apply prospectively. Provider cost increases, currency movements, taxes, regulatory charges, location fees, payment costs or country-specific costs may be passed through to you.
7. Payments may be processed and billed by a Merchant of Record, including Zotlo (Z3P LLP), or by another duly appointed payment or billing partner. Your order confirmation, invoice, checkout page or payment receipt may identify the relevant Merchant of Record. The Merchant of Record may conduct fraud screening, sanctions screening, payment authorisation, tax calculation, invoicing, refunds, chargebacks and settlement in accordance with its own terms and applicable payment-network rules.
8. You are responsible for all taxes, duties, levies, withholdings, telecommunications charges, regulatory charges and other assessments arising from your purchase or use of the Services, other than taxes on Otp.com’s net income. Otp.com or the Merchant of Record may calculate, collect or remit taxes where required or commercially appropriate. You must not withhold or deduct amounts from payments unless required by Applicable Law, in which case you must provide evidence of remittance.
9. Except where required by Applicable Law or expressly agreed by Otp.com in writing, all purchases are final and non-refundable once the Credit Balance is credited, an Order Form is accepted, a trial is activated, Services are made available, or a Chargeable Event occurs. No refund, credit or reimbursement is owed for an unused Credit Balance, partial use, non-use, End User non-receipt, failed verification, filtering, throttling, Provider unavailability, route closure, device incompatibility, incorrect destination details, customer-side integration error, template rejection, account suspension, termination for breach, or changes in your business needs.
10. If a payment is reversed, charged back, disputed, suspected as fraudulent, declined, subject to retrieval request or otherwise not settled, Otp.com and/or the Merchant of Record may suspend or terminate the affected account, Wallet, traffic, routes, templates, Order Forms and Services; offset Credit Balance against amounts owed; require additional verification; impose reserves; recover chargeback fees and investigation costs; and refuse further transactions.
11. An Order Form may set out commercial details such as fees, committed spend, invoice timing, payment terms, Credit Balance packages, routing assumptions, account tier, support package or specific Services. Unless expressly stated otherwise, Order Forms do not amend the legal protections, disclaimers, liability limitations, acceptable use requirements, data protection terms, suspension rights, Provider dependency provisions or other risk-allocation terms in these Terms.
Termination
1. These Terms remain effective until terminated. Otp.com may suspend, restrict, disable, terminate or delete your account, API credentials, Credit Balance, traffic, templates, sender identifiers, webhooks, dashboard access, integrations or any Service immediately, with or without notice, if Otp.com determines or reasonably suspects that you breached these Terms, created legal or Provider risk, generated abusive traffic, failed to pay, triggered chargebacks, provided inaccurate information, failed verification, became subject to sanctions, or used the Services in a manner that may harm Otp.com, Providers, End Users, networks, Merchant of Record, payment partners or third parties.
2. Otp.com may also suspend or discontinue all or part of the Platform or Services at any time for commercial, operational, security, technical, Provider-related, regulatory or legal reasons, including where continued operation is no longer commercially viable or a Provider restricts, suspends or terminates a route, channel, country, account, template or service.
3. You may stop using the Services at any time. Termination by you does not entitle you to a refund of the Credit Balance, fees, committed spend, minimum spend, Provider costs, taxes, chargebacks or amounts already incurred, except where required by Applicable Law or expressly agreed by Otp.com in writing.
4. Upon termination, all rights granted to you under these Terms cease immediately. You must stop using the Platform, APIs, documentation, Otp.com IP and Services; remove or disable integrations as instructed; pay all outstanding amounts; and delete or return any confidential materials where applicable. Otp.com may retain data as necessary to comply with Applicable Laws, resolve disputes, enforce agreements, prevent fraud, maintain security, support audits, comply with tax and accounting obligations, or as otherwise described in the Privacy Policy and DPA.
5. Clauses relating to payment, taxes, Credit Balance restrictions, disclaimers, limitation of liability, indemnification, intellectual property, confidentiality, data protection, audit, records, governing law, jurisdiction, notices, survival, and any provisions which by their nature should survive termination will survive termination.
Spam, OTP Abuse and Network Abuse
1. Otp.com may restrict, block, suspend, filter, throttle, reject, re-route or permanently terminate access to any Service, route, account, sender, template, API key, destination, country, Customer Application or message flow, without refund except as required by Applicable Law, if Otp.com detects or reasonably suspects spam, SMS pumping, artificial traffic inflation, traffic stimulation, verification abuse, credential harvesting, account creation abuse, fake account generation, phishing, smishing, impersonation, unlawful campaigning, fraudulent traffic, bot activity, automated abuse, resale, unauthorised aggregation, excessive traffic, suspicious conversion patterns, high complaint rates, Provider sanctions, regulatory risk, reputational harm, payment risk or infrastructure degradation.
2. You are solely responsible for ensuring that all messages, emails, WhatsApp templates, Telegram templates, OTPs, voice OTPs, verification requests, silent verification requests, number intelligence requests, sender identifiers, routing choices, Customer Applications and End User flows comply with Applicable Laws, Provider rules and policies, consent rules, anti-spam laws, consumer protection laws, data protection laws, telecom rules, sanctions rules, age-gating rules, sender registration rules, WhatsApp and Whatsapp Business policies, Telegram policies, email sending rules, code-of-conduct rules, opt-out rules and any applicable campaign or template requirements.
3. You must maintain complete, accurate and up-to-date records evidencing the lawful basis, opt-in, consent, user request, transaction, authentication need, opt-out handling, suppression handling and other compliance conditions for each End User and each relevant verification flow. Upon Otp.com’s request, you must promptly provide such records, together with traffic samples, templates, screenshots, privacy notices, terms, consent language, customer journey explanations, campaign details and other evidence reasonably required to verify compliance.
4. Otp.com may impose and enforce fair-usage limits, throughput controls, message-volume caps, destination restrictions, route restrictions, sender restrictions, country limits, template restrictions, automated-traffic controls, fraud checks, risk thresholds, account-level limits, number-level limits, email-domain limits, IP limits, and other operational restrictions, whether or not displayed in the user interface.
5. No refunds, credits or reimbursements will be issued for suspensions, filtering, throttling, blocking, termination or chargeable usage resulting from abusive, suspicious, unlawful, non-compliant, unsupported or prohibited traffic, except where required by Applicable Law.
Force Majeure
1. Otp.com shall not be liable for any loss, delay, failure, interruption, degradation, non-delivery, suspension, cost increase, data loss or other damage arising from any event beyond Otp.com’s reasonable control, including natural disasters, fire, war, riots, labour disputes, civil unrest, governmental action, regulatory orders, sanctions changes, Provider action or inaction, network outage, mobile operator outage, internet backbone failure, cloud-service failure, data-centre incident, payment-gateway failure, DNS failure, cybersecurity incident, denial-of-service attack, messaging-platform change, WhatsApp, Telegram or email provider restriction, abrupt Provider cost increase, country shutdown, route closure, template suspension, connectivity loss, or equipment, software or infrastructure malfunction.
2. Where a Force Majeure event or Provider-related event affects the Services, Otp.com may suspend, restrict, re-route, reprioritise, disable, change price, change Provider, discontinue or modify the affected Services without liability. Your sole remedy, if any, will be any discretionary service credit that Otp.com expressly decides to provide in writing.
Entire Agreement
1. These Terms, together with the Policies, DPA, Privacy Policy, Cookie Policy, Purchase Policy, Acceptable Use Policy, Order Forms, product documentation and any service-specific notices incorporated by reference, constitute the entire agreement between you and Otp.com concerning the Services and supersede all prior or contemporaneous discussions, proposals, representations, understandings or agreements relating to the same subject matter.
2. If there is a conflict, the following order of precedence applies unless expressly stated otherwise in a signed Order Form: first, the DPA with respect to processing of Customer Personal Data; second, a signed Order Form with respect to specific commercial terms only; third, these Terms; fourth, the Purchase Policy with respect to payment mechanics, Credit Balance, billing and refunds; fifth, the Acceptable Use Policy with respect to traffic and platform use; and sixth, other Policies and documentation. No purchase order, vendor onboarding document, email, ticket, procurement term or other customer-issued document modifies these Terms unless expressly signed by Otp.com.
Amendment
1. Otp.com may amend, update or replace these Terms and any Policy at any time. The latest version published on the Platform applies to all Customers from the effective date stated or, if no effective date is stated, from publication. You are responsible for reviewing the latest version periodically. Continued access to or use of the Platform or Services after an update constitutes acceptance of the updated terms.
2. Otp.com may notify you of material changes through the Platform, dashboard, email, documentation, invoice, checkout flow or other reasonable means, but failure to provide individual notice does not prevent an updated version from applying where publication or other reasonable notice has occurred.
Waiver
1. Any failure or delay by Otp.com in exercising any right, power, remedy or privilege under these Terms shall not constitute a waiver of that right, power, remedy or privilege. Any waiver must be in writing and signed by Otp.com. A waiver on one occasion does not constitute a waiver on any other occasion.
Assignment
1. You may not assign, transfer, delegate, novate or otherwise dispose of any rights or obligations under these Terms without Otp.com’s prior written consent. Any attempted assignment without such consent is void.
2. Otp.com may assign, transfer, delegate, novate or subcontract any or all of its rights and obligations under these Terms to any affiliate, successor, acquirer, purchaser of assets, restructuring entity, Merchant of Record, service provider or third party without your consent. These Terms bind and benefit the parties and their permitted successors and assigns.
Severability
1. If any provision of these Terms is held invalid, illegal or unenforceable, the remaining provisions remain in full force and effect. The invalid, illegal or unenforceable provision shall be modified to the minimum extent necessary to make it valid, legal and enforceable while preserving, as closely as possible, the original commercial and legal intent of Otp.com.
International Availability
1. Availability of the Services, Verification Channels, routes, Providers, templates, countries, destinations, pricing, Credit Balance packages, support, documentation, languages, dashboard functions and API endpoints varies by country and may change at any time. Otp.com makes no representation that the Services are appropriate, available, lawful or supported in any particular jurisdiction.
2. You access and use the Platform on your own initiative and at your own risk. You are solely responsible for compliance with all Applicable Laws in the jurisdictions where you are established, where your Customer Applications operate, where your End Users are located, where messages are sent or received, where data is processed, and where transactions occur.
Privacy
1. Otp.com processes personal data in accordance with the Privacy Policy and, where applicable, the DPA. You acknowledge that Otp.com may process Customer Data, End User identifiers, verification-event metadata, technical logs, usage data, transaction data, support records and other information as necessary to provide, secure, bill, improve, monitor, support and protect the Platform and Services, and to comply with Applicable Laws, Provider requirements, payment requirements and these Terms.
2. As between you and Otp.com, you are responsible for the lawfulness of Customer Data, Customer Applications, End User notices, consents, opt-outs, suppression rules, lawful bases, data accuracy, data minimisation, retention instructions and all communications triggered by you through the Services. Otp.com is not responsible for your privacy notices, your End User consents, your Customer Application flows, or your independent use of End User data outside the Services.
Code of Conduct
1. The Services may be used only for lawful, authorised, business-to-business verification, authentication, fraud-prevention, account-security, transactional or similar purposes expressly supported by Otp.com. You must not use the Platform or Services for any purpose other than the purposes permitted under these Terms and the Acceptable Use Policy.
2. While accessing or using the Platform or Services, you shall not:
  1. use the Services in violation of Applicable Laws, Provider rules, platform policies, data protection laws, anti-spam laws, telecom rules, sanctions, export controls or payment-network rules;
  2. send, trigger or facilitate spam, phishing, smishing, spoofing, impersonation, fraudulent messages, credential theft, social-engineering messages, misleading communications, unlawful marketing, unsolicited communications, or messages without required consent;
  3. use the Services for illegal gambling, money laundering, terrorist activity, weapons trafficking, adult exploitation, controlled substances, unlawful financial services, scams, illegal surveillance, harassment, hate, violence, or any other unlawful or high-risk activity;
  4. generate artificial, inflated, test, automated, non-human, fake, looping, repeated, induced, incentivised or otherwise abusive traffic, including SMS pumping, traffic stimulation, verification abuse, fake account generation or bot-driven authentication attempts;
  5. resell, sublicense, share, lease, aggregate, white-label, re-route, make available or otherwise commercialise the Services for third parties without Otp.com’s prior written consent;
  6. reverse engineer, decompile, disassemble, copy, scrape, crawl, benchmark, stress test, interfere with, bypass, circumvent or attempt to derive the source code, architecture, routing logic, pricing logic, security controls or technical limitations of the Platform;
  7. access or use another customer’s account, API key, webhook, sender, route, data, logs, dashboard, template, Credit Balance or integration without authorisation;
  8. submit or transmit malware, viruses, harmful code, denial-of-service traffic, excessive requests, unauthorised scripts, scraping tools, automated traffic, or any material that could damage, disable, overburden or impair the Platform, Providers, networks or End Users;
  9. misrepresent your identity, your Customer Application, your sender identifier, your traffic type, your template content, your use case, your End User relationship, your consents, your company details or your compliance status;
  10. remove, obscure or alter proprietary notices, copyright notices, trademarks, legal notices, security notices or attribution notices on or in the Platform or documentation;
  11. use the Services to make decisions that produce legal or similarly significant effects concerning an End User without implementing appropriate lawful basis, human review, transparency, safeguards and alternative mechanisms required by Applicable Laws;
  12. use the Services in a way that could reasonably cause Provider blocking, network sanctions, regulatory inquiry, payment risk, reputational harm, infrastructure degradation, data breach, consumer harm or legal exposure for Otp.com, any Provider or any Merchant of Record.
3. Otp.com may monitor, investigate, review, sample, audit, block, report, suspend or terminate any account, traffic, route, template, sender, destination, API key, Customer Application or transaction where Otp.com determines or suspects a violation of this clause or the Acceptable Use Policy. To the extent permitted by Applicable Laws, Otp.com may disclose relevant information to Providers, payment partners, regulators, courts, law enforcement authorities or compliance service providers where necessary to prevent abuse, comply with legal obligations, enforce these Terms or protect the Platform.
Risk Disclosure
1. The Services may fail, degrade, delay, misroute, duplicate, reject, filter, throttle or become unavailable due to Provider action, mobile network conditions, recipient device conditions, email filtering, WhatsApp template status, Telegram template status, sender reputation, routing changes, country restrictions, traffic spikes, internet failure, cloud outages, integration errors, webhooks, API misuse, incorrect destination data, compliance reviews, security controls, fraud checks or other factors beyond Otp.com’s control.
2. Status reports, delivery receipts, verification responses, analytics, dashboards, logs and webhooks may be delayed, unavailable, incomplete or inaccurate. You should not rely on any single status event as conclusive evidence of End User receipt, identity, consent, authorisation, payment completion, legal compliance or fraud absence.
3. Your integrations, Customer Applications, fallback authentication methods, account-security design, rate limits, retry logic, user experience, fraud controls, privacy notices, security controls, business continuity plans and End User communications remain your responsibility. Otp.com is not responsible for losses arising from your failure to maintain appropriate fallback mechanisms, integration controls, data validation, security measures or operational monitoring.
4. The Platform, documentation, examples, SDKs, API responses, pricing displays, country lists, Provider lists, channel availability, rate cards, sample code and communications may contain inaccuracies, omissions or outdated information. You are responsible for validating the Services before relying on them in production.
5. You expressly accept that Otp.com and its Providers do not guarantee continuous service, uninterrupted operation, error-free performance, route availability, Provider availability, delivery success, verification success, prevention of fraud, prevention of account takeover, or the legality of your use case in any jurisdiction.
Your Obligations
1. Without prejudice to any other obligations under these Terms, you shall:
  1. use the Services only in accordance with these Terms, the Policies, the documentation, Order Forms, Applicable Laws and Provider requirements;
  2. be responsible for all access to and use of the Services through your account, organisation, Users, API credentials, Customer Applications, webhooks, integrations, Credit Balance, senders, templates and systems;
  3. maintain accurate account, billing, tax, company, contact, technical, compliance and traffic information and promptly update such information when it changes;
  4. safeguard passwords, API keys, tokens, webhooks, credentials, private keys, admin access and authentication mechanisms, and immediately notify Otp.com of any suspected unauthorised access or security incident involving your account or integrations;
  5. implement reasonable security, rate limiting, retry controls, fraud controls, consent controls, opt-out controls, suppression controls, data minimisation, monitoring, logging and fallback mechanisms in your Customer Applications;
  6. obtain, maintain and evidence all End User consents, notices, lawful bases, opt-ins, opt-outs, suppression records, marketing permissions, transactional-message permissions, template approvals, sender registrations, necessary licenses, additional permissions, and other compliance conditions required for your use of the Services;
  7. respond promptly to Otp.com’s requests for information, documentation, traffic samples, compliance evidence, KYC materials, use-case explanations, screenshots, customer-journey descriptions, template details, security confirmations, tax documents or other materials reasonably required by Otp.com;
  8. pay all fees, taxes, Provider charges, chargeback amounts, penalties, costs, reserves and other amounts incurred in connection with your account or use of the Services;
  9. ensure that your Users, employees, contractors, developers, service providers and agents comply with these Terms, and remain responsible for their acts and omissions as if they were your own;
  10. immediately stop any traffic or use case that Otp.com identifies as unlawful, unsupported, abusive, suspicious, harmful, Provider-restricted, payment-risky or non-compliant.
Indemnification
1. You agree to defend, indemnify and hold harmless Otp.com, Verifykit, its affiliates, subsidiaries, parents, successors, assigns, directors, officers, employees, agents, contractors, licensors, Providers and Merchant of Record partners (collectively, the “Indemnified Parties”) from and against any and all claims, demands, actions, investigations, losses, liabilities, damages, penalties, fines, settlements, costs and expenses, including reasonable attorneys’ fees and court costs, arising out of or relating to:
  1. your breach or alleged breach of these Terms, any Policy, any Order Form, any representation, warranty or covenant;
  2. your Customer Applications, Customer Content, templates, messages, senders, traffic, verification flows, End User communications, integrations, webhooks or use of the Services;
  3. your violation or alleged violation of Applicable Laws, Provider requirements, platform policies, payment-network rules, sanctions, telecom rules, data protection laws, privacy rights, consumer rights, intellectual property rights or other third-party rights;
  4. any claim by an End User, regulator, Provider, mobile network operator, email provider, WhatsApp, Telegram or other channel provider, payment provider, Merchant of Record or third party arising from your use of the Services;
  5. spam, SMS pumping, traffic stimulation, verification abuse, artificial traffic, fraud, phishing, smishing, impersonation, unlawful marketing, consent failures, opt-out failures, sender registration failures, template violations, or unsupported use cases associated with your account;
  6. your negligent, willful, reckless, fraudulent, unlawful or abusive act or omission, or that of your Users, employees, contractors, agents or service providers;
  7. chargebacks, payment reversals, Provider fines, network penalties, regulatory penalties, platform penalties, taxes, withholdings, reserves, investigation costs, dispute costs or remediation costs attributable to your account or traffic.
2. You shall not settle any claim in a manner that imposes any liability, obligation, admission, restriction or reputational harm on any Indemnified Party without Otp.com’s prior written consent. Otp.com may assume control of the defence of any claim at your expense, and you will cooperate fully with Otp.com’s reasonable requests.
Intellectual Property Rights
1. The Platform, Services and Otp.com IP are owned by, licensed to or controlled by Otp.com and are protected by intellectual property, unfair competition, database, trade secret and other laws. Except for the limited right to access and use the Services in accordance with these Terms, no rights are granted to you in or to the Otp.com IP.
2. Subject to your compliance with these Terms, Otp.com grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to access and use the Platform, APIs and documentation solely for your internal business purposes and solely to integrate your Customer Applications with the Services in accordance with the documentation and these Terms.
3. You must not copy, reproduce, modify, adapt, translate, distribute, sell, rent, lease, sublicense, disclose, publish, mirror, frame, scrape, reverse engineer, decompile, disassemble, create derivative works from, benchmark, or otherwise exploit the Otp.com IP except as expressly permitted by these Terms or agreed by Otp.com in writing.
4. You retain ownership of your Customer Content, subject to the rights granted to Otp.com under these Terms. You grant Otp.com a worldwide, non-exclusive, royalty-free licence to host, copy, transmit, process, route, display, reproduce, adapt, use and create technical derivatives of Customer Content solely as necessary to provide, secure, bill, support, improve, monitor and protect the Services, comply with Applicable Laws, enforce these Terms and fulfil Provider requirements.
5. Otp.com may use aggregated, anonymised or de-identified data derived from use of the Services for analytics, reporting, benchmarking, service improvement, security, fraud prevention, pricing, routing, network optimisation and business purposes, provided such data does not identify you or any End User in a manner prohibited by Applicable Law or the DPA.
6. You may not use Otp.com’s name, trademarks, logos, trade names, domain names or branding without Otp.com’s prior written consent. Otp.com may identify you as a customer in customer lists and sales materials only where permitted by an Order Form or separate written approval.
Disclaimer of Warranties
1. YOUR USE OF THE PLATFORM AND SERVICES IS AT YOUR SOLE RISK. THE PLATFORM, SERVICES, APIS, DASHBOARD, DOCUMENTATION, ROUTES, PROVIDERS, VERIFICATION CHANNELS, REPORTS, LOGS, WEBHOOKS, STATUS INFORMATION AND RELATED MATERIALS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
2. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OTP.COM, VERIFYKIT, ITS AFFILIATES, PROVIDERS AND MERCHANT OF RECORD PARTNERS DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, ACCURACY, COMPLETENESS, RELIABILITY, SECURITY, AVAILABILITY, UNINTERRUPTED OPERATION, ERROR-FREE OPERATION, ROUTE AVAILABILITY, DELIVERY SUCCESS, VERIFICATION SUCCESS, FRAUD PREVENTION, OR COMPLIANCE WITH YOUR REQUIREMENTS.
3. OTP.COM DOES NOT WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, PREVENT FRAUD, PREVENT ACCOUNT TAKEOVER, VERIFY IDENTITY, GUARANTEE END USER ACCESS, GUARANTEE MESSAGE DELIVERY, OPERATE WITHOUT INTERRUPTION, BE COMPATIBLE WITH YOUR SYSTEMS, BE AVAILABLE IN ANY COUNTRY, OR BE FREE FROM VIRUSES, MALWARE, SECURITY INCIDENTS, FILTERING, THROTTLING, ROUTING CHANGES OR PROVIDER FAILURES.
4. THE INTERNET, EMAIL SYSTEMS, MOBILE NETWORKS, MESSAGING PLATFORMS, WHATSAPP, TELEGRAM, CLOUD INFRASTRUCTURE, PAYMENT SYSTEMS AND TELECOMMUNICATIONS SYSTEMS ARE INHERENTLY SUBJECT TO INTERRUPTION, INTERCEPTION, LOSS, CORRUPTION, FILTERING, BLOCKING, DELAY AND UNAUTHORISED ACCESS. YOU USE THE SERVICES WITH FULL KNOWLEDGE OF THESE RISKS.
5. OTP.COM IS NOT RESPONSIBLE FOR DETERMINING WHETHER YOUR CUSTOMER APPLICATIONS, END USER FLOWS, CONSENTS, NOTICES, TEMPLATES, SENDERS, CAMPAIGNS, TRAFFIC, DATA PROCESSING OR USE OF THE SERVICES COMPLY WITH APPLICABLE LAWS. YOU ARE SOLELY RESPONSIBLE FOR SUCH DETERMINATIONS.
Limitation of Liability
1. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OTP.COM, VERIFYKIT, ITS AFFILIATES, PROVIDERS, MERCHANT OF RECORD PARTNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, DATA, USE, OPPORTUNITY, ANTICIPATED SAVINGS, CUSTOMER RELATIONSHIP, REPUTATION, OR BUSINESS INTERRUPTION, WHETHER ARISING IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTE OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
2. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OTP.COM’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS, THE PLATFORM, THE SERVICES, ANY ORDER FORM, ANY POLICY OR ANY RELATED TRANSACTION SHALL NOT EXCEED FIFTY U.S. DOLLARS (USD 50).
3. The limitations and exclusions in this clause apply to all claims and causes of action, whether based on contract, tort, negligence, strict liability, statute, misrepresentation, restitution or otherwise, and apply even if any limited remedy fails of its essential purpose. They do not limit liability that cannot be excluded or limited under Applicable Law, including liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation or wilful misconduct to the extent such liability cannot lawfully be excluded or limited.
4. You acknowledge that the limitations of liability, disclaimers, refund exclusions, Provider dependency provisions and risk allocations in these Terms are fundamental elements of the bargain between you and Otp.com, and that Otp.com would not provide the Services on an economic basis without them.
Applicable Law and Jurisdiction
1. These Terms, any non-contractual obligations arising out of or in connection with them, and any dispute or claim relating to the Platform or Services shall be governed by and construed in accordance with the laws of England and Wales.
2. Any dispute or claim arising out of or in connection with these Terms, the Platform, the Services, any Order Form, any Policy, or any non-contractual obligation relating to them (including any question regarding its existence, validity or termination) shall be finally settled by arbitration under the Rules of Arbitration of the International Chamber of Commerce (“ICC”) by one or more arbitrators appointed in accordance with the said Rules, which are deemed to be incorporated by reference into this clause.
3. The number of arbitrators shall be three (3). The seat of arbitration shall be London, England. The language of the arbitration shall be English. The substance of the dispute shall be governed by the laws of England and Wales.
4. This clause does not limit Otp.com’s right to seek injunctive, equitable, interim, protective, debt recovery or enforcement relief from the courts of any jurisdiction where you, your assets, your Users, your Customer Applications or your traffic are located; Otp.com may bring such claims before the competent courts.
Third Party Contents and Providers
1. The Platform may contain links, references, integrations, documentation, tools, third-party materials, Provider services, payment services, communication channels, software, APIs or content supplied by third parties. Otp.com does not control, endorse, guarantee, monitor or assume responsibility for third-party content, systems, networks, providers, platforms or materials, unless expressly agreed in writing.
2. Your dealings with Providers, Merchant of Record partners, payment processors, email providers, WhatsApp, Telegram or other channel providers, mobile network operators, cloud providers, third-party integrations or third-party websites are at your own risk and may be subject to additional terms and policies. Otp.com is not liable for any loss or damage arising from third-party services, content, policies, restrictions, failures, price changes, decisions or actions.
3. To the extent a Provider, Merchant of Record or platform requires Otp.com to pass through certain obligations, restrictions, charges, evidence requirements, suspension rights, audit rights or compliance obligations, you agree to comply with those requirements promptly upon notice from Otp.com.
Language and Translation
1. These Terms are drafted in English. Any translation is provided solely for convenience. In the event of any inconsistency, conflict or ambiguity between the English version and any translation, the English version shall prevail. The English version shall be used in all legal, regulatory, administrative and dispute resolution proceedings.
Notices
1. Otp.com may provide notices by email to the latest email address associated with your account, by dashboard notice, in-product notice, publication on the Platform, invoice notice, Order Form notice, documentation update or any other reasonable method. Notices are deemed received when sent, posted or made available, unless Applicable Law requires otherwise.
2. You must keep your account, billing, legal, tax, security and technical contact details accurate and current. Notices sent to the latest contact information provided by you will be deemed valid and effective even if you fail to receive them due to outdated, inaccurate or inaccessible contact details.
3. Legal notices to Otp.com should be sent to info@otp.com and to Verifykit Yazılım A.Ş., Maslak Mah. Büyükdere Cad. Uso Center Plaza No:245 / 27 Sarıyer / İstanbul, Türkiye, unless Otp.com designates another legal notice address in writing.

TERMS OF SERVICE OF OTP.COM

Defined Terms and Interpretation

Description of Services and Fees

Your Representations and Warranties

Purchase and Payment Models

Termination

Spam, OTP Abuse and Network Abuse

Force Majeure

Entire Agreement

Amendment

Waiver

Assignment

Severability

International Availability

Privacy

Code of Conduct

Risk Disclosure

Your Obligations

Indemnification

Intellectual Property Rights

Disclaimer of Warranties

Limitation of Liability

Applicable Law and Jurisdiction

Third Party Contents and Providers

Language and Translation

Notices