Terms & Conditions

What Kasbny Is

Kasbny is a platform that brings customers and merchants together: you pay from your wallet at participating stores and part of what you paid comes back to you as cashback. These terms are a contract between you and the platform, and by using the app you accept them. You must be at least eighteen years old and must use the service lawfully.

Your Account and Your Responsibility for It

The account is personal: one account per person with one mobile number, activated by a code sent to that number. You are responsible for your password and for everything done from your account, so do not share it and do not leave your device open to others. Registration details must be accurate; registering with another person's details or with fabricated details is a violation for which accounts are closed.

The Wallet and Cashback

You pay by scanning the branch code inside the app: the amount is deducted from your available balance and cashback is credited to you at the rate published for that store at the time of payment. The amount in your wallet is a service balance held with the platform — not a bank deposit or a bank account — and it does not earn interest. Rates and limits are shown in the app and may change; what applies to you is what was published at the moment you paid.

Holds and the Refund Window

Cashback does not become withdrawable the moment you pay; it is held for a period published in the app, **because the payment itself can be refunded during that period**. If the payment is refunded, the cashback arising from it falls away — and had it been available immediately it could have been withdrawn before it was known to be undue. You can see what is held and when it is released in your wallet.

Refunds

Refunds take place within the period published in the app and with the merchant's approval. A refund returns the amount to your balance and cancels the cashback arising from that payment. Once the period has passed a payment cannot be refunded through the app, and any remaining dispute between you and the merchant is a commercial matter that support can help with.

Top-Ups and Withdrawals

You top up your wallet through the payment gateway available in the app, **and your balance increases only on a signed confirmation from the gateway**, which may arrive moments after you return to the app. You withdraw your available balance to a bank or mobile wallet within the published limits and fees, and withdrawal requests are reviewed before execution. Incorrect withdrawal details are your responsibility, since the money goes to what you entered.

Stores and Their Content

Store names, descriptions, branches, offers, and cashback rates are supplied by merchants and reviewed by the administration. **The platform is not the seller**: the relationship over the goods or service is between you and the merchant, and their quality, warranty, and conformity are the merchant's responsibility. Our role is in payment and cashback, and we intervene within what we control: suspending a store, reversing a payment, or removing non-compliant content.

What Is Not Allowed

You may not stage sham payments with a merchant to collect cashback without a real sale, create multiple accounts or accounts in other people's names, attempt to bypass usage limits or manipulate branch codes or refund requests, use the wallet for money laundering or any unlawful purpose, or disrupt the service or its users.

Suspension and Holding of Balances

Where there are indications of a violation or fraud, the platform may temporarily suspend the account, hold the balance in question, and cancel cashback arising from invalid activity, pending investigation. **The measure is temporary and reasoned**, the account holder is notified, and the balance is released if it proves sound. A balance you topped up with your own money is not confiscated over a violation; its movement is frozen until the matter is settled.

Dormant Accounts

The platform may apply a policy for accounts that go unused for a long period, within the limits the law allows. **It is applied only after prior notice** to the account holder and with a sufficient grace period in which they can use or withdraw their balance. The details of the policy, if activated, are published in the app before it takes effect.

Changes to These Terms

We may amend these terms, the service, or cashback rates and limits for operational, security, or legal reasons. The date of the last update appears at the top of this page. Transactions completed before an amendment remain governed by the text in force at that time — an amendment does not act retroactively.

Governing Law

These terms are governed by the laws of the Arab Republic of Egypt, and its courts have jurisdiction over any dispute arising from them. Any matter can be raised through the support details shown in the app.