Public legal documents
Effective date: 4 June 2026
Last updated: 4 June 2026
Welcome to Masarify (مصاريفي) (“Masarify”, the “App”, or the “Service”), an offline-first personal finance tracker provided by Omar Walid Ghazal, an independent sole developer (“we”, “us”, or “our”). These Terms of Use (“Terms”) are a binding legal agreement between you and us governing your download, access, and use of the App.
Please read these Terms carefully. By downloading, installing, accessing, or using Masarify, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, do not download or use the App.
Note on language: This document is provided in English, with an Arabic translation available within the app for convenience. In case of any conflict between the two, the English-language version of these Terms controls.
Your use of Masarify constitutes acceptance of these Terms. These Terms, together with the Privacy Policy, form the entire agreement between you and Omar Walid Ghazal regarding the App. If you are using the App on behalf of yourself, you represent that you are legally able to enter into this agreement. These Terms take effect on the date you first use the App and remain in effect while you use it.
You must be at least 18 years old to use Masarify. The App’s AI Features rely on Google’s Gemini API, whose terms require that the service not be directed toward or used by individuals under the age of 18. By using the App, you represent and warrant that you are 18 or older. Where your local law sets a higher age of digital consent, that higher age applies. You must not use the App, or permit it to be used, on behalf of anyone under 18.
Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use the App on devices that you own or control, solely for your personal, non-commercial use.
You may not:
All rights not expressly granted to you are reserved by us and our licensors.
The App, including its source code, the name “Masarify (مصاريفي)”, logo, user interface, design system, graphics, and all related content, is owned by Omar Walid Ghazal and/or its licensors and is protected by copyright, trademark, and other laws. These Terms grant you no ownership rights in the App.
You retain ownership of your Content. By using the App, you grant us only the limited license necessary to process and display your Content so the App can function — including, where you enable optional features, the transient transmission of relevant input to Third-Party Services (for example, sending text or audio to Google’s Gemini API for AI processing). We do not claim ownership of your Content and do not use it to train AI models.
Masarify is an offline-first personal finance tracker. Core features — recording transactions, managing wallets, budgets, goals, and categories — work without an internet connection and without a subscription. Certain optional features require connectivity and Third-Party Services, including AI Insights, Voice Input, Google Drive Backup, and merchant logos.
We are not a bank, broker, payment processor, financial institution, or a licensed financial, investment, accounting, or tax adviser. Masarify does not hold, move, or manage your money. It is a tool to help you record and organize your own financial information.
The App and everything it produces are for informational and personal-organization purposes only. They do not constitute financial, investment, tax, accounting, or legal advice, and they are not a substitute for advice from a qualified, licensed professional.
This applies to all numbers, charts, summaries, categorizations, budgets, projections, and AI-generated insights shown in the App. The App does not know or account for your individual circumstances, objectives, or full financial situation. Any figures may contain errors or omissions.
You are solely responsible for your own financial decisions and bear all associated risk. Do not rely on Masarify, or its AI output, as the basis for any financial, investment, tax, or legal decision. Always consult a qualified professional before making such decisions.
The AI advisor, AI Insights, and Voice Input transcription are powered by Google’s Gemini API. By using these optional features you acknowledge and agree that:
Masarify offers an optional Pro Subscription that unlocks additional features. The free tier remains usable for core finance tracking without any subscription. Before you purchase, the App and the store will clearly display what Pro unlocks, the price and currency, and the billing period.
By purchasing a Subscription, you acknowledge and agree that:
Subscriptions are sold and billed by the app stores. Refunds are governed by the Google Play and Apple App Store refund policies, not by us. To request a refund, use the refund process of the store where you purchased the Subscription. Amounts for billing periods that have already elapsed are generally non-refundable, except where mandatory consumer-protection law (including the Egypt Consumer Protection Law No. 181 of 2018) provides otherwise. We cannot grant refunds outside the store mechanisms.
You agree not to:
The App’s optional online features rely on Third-Party Services, each governed by its own terms and privacy policy:
We are not responsible for Third-Party Services, and your use of them may require accepting the relevant provider’s terms. We do not control and are not liable for their availability, content, or practices.
Logos provided by Logo.dev. Merchant brand names and logos are the property of their respective owners and are shown for identification purposes only; their display does not imply any affiliation or endorsement.
Backup is optional. When enabled, an encrypted copy of your Content is stored in your own Google Drive’s hidden appDataFolder, accessible only by you. We never read its contents.
Masarify’s access to and use of Google user data complies with the Google API Services User Data Policy, including its Limited Use requirements. We request only the scopes necessary for the Backup feature. Your Google user data and Backup are never sold, used for advertising, or used for purposes beyond providing the Backup feature. You can delete the Backup from your Google Drive at any time. See the Privacy Policy for further detail.
Our handling of your data is described in the Privacy Policy, which is incorporated into these Terms by reference. In summary: your financial data is stored locally on your device in an encrypted SQLite database; you own your data; and you can export, reset, or delete it (including by uninstalling the App or using the in-app Reset option).
Where the App processes personal data, we comply with applicable data-protection law, including Egypt’s Personal Data Protection Law No. 151 of 2020 and its Executive Regulations. Consent for personal-data processing (including transmission of input to AI/Voice features and any optional location attachment) is obtained through a separate, explicit, and withdrawable consent flow — not through your acceptance of these Terms.
The App and all its features — including AI output, calculations, and Backups — are provided “AS IS” and “AS AVAILABLE”, without warranties of any kind, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, and uninterrupted or error-free operation. We do not warrant that any AI insight, categorization, or calculation is correct, complete, or reliable.
Some jurisdictions do not allow the exclusion of certain implied warranties, so parts of this section may not apply to you. Nothing in these Terms limits any mandatory consumer rights you have under applicable Egyptian law.
To the maximum extent permitted by law, Omar Walid Ghazal and its officers, affiliates, and licensors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, goodwill, or financial losses, arising out of or related to your use of (or inability to use) the App, your reliance on any AI Insight or other output, or any financial decision you make.
Our total aggregate liability for all claims relating to the App will not exceed the greater of (a) the amount you paid us for the Subscription in the 12 months before the claim, or (b) USD 50.
These limitations do not apply to liabilities that cannot be excluded or limited under mandatory applicable law, including Egyptian consumer-protection law. On iOS, Apple’s separate liability limitations also apply and remain in force.
To the extent permitted by applicable law (and subject to mandatory consumer protections), you agree to indemnify and hold harmless Omar Walid Ghazal and its officers and affiliates from any claims, damages, losses, and reasonable costs arising out of your misuse of the App, your violation of these Terms, your violation of any Third-Party Service or AI prohibited-use policy, or your infringement of any third-party rights.
We may suspend or terminate your access to the App or its features if you breach these Terms — including abuse of AI Features, billing fraud, or unlawful use. The license granted in Section 4 terminates automatically upon any breach. On termination, your locally stored Content remains on your device until you delete it; cancellation of any Subscription is handled through the relevant app store. You may terminate at any time by ceasing use and uninstalling the App.
We may modify, suspend, or discontinue any feature of the App at any time, including AI Features that depend on Third-Party Services. We may also update these Terms; when we do, we will revise the “Last updated” date and may provide in-app notice. Your continued use of the App after changes take effect constitutes acceptance of the updated Terms. For material changes that adversely affect paid subscribers or consumers in Egypt or the EU, we will provide reasonable advance notice and, where required, a right to cancel.
These Terms are governed by the laws of the Arab Republic of Egypt, without regard to conflict-of-laws principles. The competent courts of that jurisdiction (including, for consumer matters, the Economic Courts under Law No. 181 of 2018) will have jurisdiction over any dispute. Before commencing litigation, the parties will attempt in good faith to resolve any dispute informally. Nothing in this section overrides your mandatory consumer-protection rights or any dispute-resolution terms imposed by the app stores, which prevail where applicable.
If you obtained the App through the Apple App Store, the following additional terms apply and Apple’s Standard End User License Agreement also applies to the extent it is more protective:
If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect. These Terms and the Privacy Policy are the entire agreement between you and us regarding the App. We may assign these Terms; you may not assign them without our consent. Our failure to enforce any provision is not a waiver of it. We are not liable for any failure or delay caused by events beyond our reasonable control.
For questions about these Terms, contact us at omarwalidghazal@gmail.com (Omar Walid Ghazal, Arab Republic of Egypt).