Masroofak terms of use

Last updated 23 October 2026. By using Masroofak (masroofak.com and the app at masroofak.com/app) you agree to these terms. Read them with the privacy policy. This page is also available in Arabic.

1. What the service is

• A web app to record your own spending and income, work out today's allowance, and keep spending limits, savings goals, a debts ledger and a monthly report.
• Masroofak is not a bank: it moves no money and never connects to your bank or wallet accounts. You enter expenses yourself or share a bank SMS and confirm it.
• Everything in the app and on the website is general information, not personal financial, investment or tax advice. Your money decisions are your own.
• Calculator results (net salary, instalments, gameya, certificates and others) are estimates based on the rules written on each calculator at its last review. Your official figures come from your employer, bank or the tax authority.

2. Accounts and acceptable use

• Your account uses your e-mail and a password, or your Google account. Keep the password safe; you are responsible for what happens in your account. If you think someone else got in, change the password and use “sign out of all devices”.
• One person per account, for personal use.
• Not allowed: trying to reach other people's accounts or data, disrupting the service or flooding it with automated requests, any unlawful use, or gaming rewards and contests (for example fake accounts for invites).
• We may suspend or close an account that breaks these rules and will tell you by e-mail, unless the breach is clear and harmful.

3. Free and Pro

• The free plan has no time limit and covers daily use. See pricing (Arabic).
• Every new account gets its first month of Pro free (30 days), with no payment and no card, then goes back to the free plan on its own unless you subscribe.
• Pro is optional, monthly or yearly. Prices on the website are those at the time of writing; the price shown in the app when you pay is the one that applies. We may change prices or plan features later; a change never affects a period you have already paid for.
• When a subscription ends without renewal, the account returns to the free plan and your data stays on your device.

4. Payment

• Payment is manual: transfer the amount by InstaPay or Vodafone Cash to the details shown in the app and enter the transfer reference.
• We check the transfer and turn Pro on once it has arrived. If it has not arrived or the reference is wrong, the request is declined and you can send it again.
• Any transfer fees from your bank or wallet are yours. Only transfer to the details shown inside the app.

5. Refunds

• If Pro isn't right for you, you can ask for a full refund within 7 days of payment. Write to us (see contact) from your account's e-mail and include the transfer reference.
• We refund the same way you paid, and Pro is removed from the account.
• After 7 days there is no refund, and Pro continues until the end of the period you paid for.
• The free first month and Pro months from rewards or contests have no cash value and are not refundable.

6. Contests and invite rewards

• Each contest has its own rules on the contests page (Arabic); prizes are Pro months or years, not cash.
• Invite reward: one month of Pro for each friend who signs up with your link and really uses the app (7 different days in their first month), up to 12 months a year. Fake or repeated accounts don't count, and we may cancel a reward obtained by gaming the system.

7. Your data

• The data you enter belongs to you. We don't sell it or use it for advertising.
• On the free plan your data stays on your device. On Pro it syncs with your account on a protected server: other users cannot see it, and we don't look at anyone's data.
• You can download your data (JSON or CSV) at any time and delete your account and all its data from “My account” → “Delete account”.
• Details: privacy policy and security (Arabic).

8. Changes and availability

• We keep improving Masroofak and may add, change or remove features.
• The service is provided “as is”. We work to keep it running without interruptions or errors but can't guarantee that fully, so download a backup of your data from time to time.
• If we decide to shut the service down, we will tell users at least 30 days ahead so they can download their data, and refund the unused part of any paid subscription.

9. Limitation of liability

• We are not responsible for financial decisions made on the basis of the app's or the calculators' figures, for mistakes in data you entered, or for losing free-plan data that was cleared from your phone or browser.
• In any case, our total liability is limited to the amount you paid Masroofak in the last 12 months.

10. Law and changes to these terms

• These terms are governed by the laws of the Arab Republic of Egypt.
• We may update these terms. Important changes are dated on this page and announced to subscribers; using the service after that means you accept them. If the Arabic and English versions differ, the Arabic version applies.

11. Contact

Questions about these terms or a refund request: support@masroofak.com.