Terms of Service

Nature of the Service
Qesma is a social ledger and expense calculation platform designed for personal and shared expense accounting in Egypt. Qesma is not a bank or digital wallet and does not hold user funds.
Settlements & InstaPay Transfers
Financial transfers via cash or the Egyptian InstaPay network occur directly between users' respective bank accounts. Qesma provides payment links and requires two-party recipient confirmation to reconcile debts in the ledger.
Account Integrity & User Responsibility
Users are responsible for maintaining the security of their credentials and verifying the accuracy of expense items and split amounts entered into shared contexts.
Amendments to Terms
We reserve the right to modify these terms as needed to enhance our services and protect platform integrity. Notice of material updates will be published on this page.

Nature of the Service