Terms & Conditions


Terms & Conditions


The following terms and conditions govern the use of Shahry (“app”, "site", "website", “platform”) and its services. These services are offered to human individuals so they can use our platform, digital wallet, as well as payment and installment services. Individual users have access to our platform to apply for payment plans, virtual credit, carry out transactions and manage their selected payment plans. These are the services of Shahry “Financial Technologies SAE”, an Egyptian company, subsequently referred to as "we", "our", "us", “Shahry” or “Financial Technologies SAE”. Please read the below carefully before you start to use our services. Our service is available only to users above 21 years of age who hold an Egyptian National Identification Number.

Use of Service

"Visitors", "users" or "customers" use our site to apply for and manage payment plans to merchants ("third-parties", “merchants”, “vendors”, “online stores”) in Egypt. Users will be required to enter personal information. This information must be a human submission, authentic, real, sincere (non-spamming), not machine- or randomly-generated, and not contain wrong, misleading or incorrect information. You must agree to

  1. our terms of use
  2. our privacy policy
  3. sign your individual Installment Sales Contract (ISC) to use our services.

Obligations of Users

When you register as a user, you are required to provide authentic information that we will use to validate you using your Egyptian national identification number and cell phone number. You are required to complete this registration in accordance to the guidelines shown to you as a registering user. You are also required to accept these terms and conditions for using our services. Usage of our platform constitutes your irrevocable acceptance to these terms and conditions of use, our privacy policy, and your personal ISC.

This basic identifying information is kept by us to provide you with our services. You may use the service to apply for a personal credit line to purchase items (consumer goods) from third party vendors and partners. You are committed to do so in line with these terms and conditions and your ISC, and not undertake any action that affects the performance, integrity or security of the service provided to you, other users or third parties. This includes agreeing to not extract or attempt to alter content, computer code, software, information, prices directly (by downloading or otherwise copying) or indirectly (by crawling, analyzing, reverse engineering) content or code from our platform.

Service Definition

You may use our services to apply for a credit facility, complete a product transaction, manage your financial plan and make payments as part of your approved payment plan. Your payment plans will be disclosed to you ahead of completing a purchase, and your acceptance of such plan means you are committed to complying to this payment plan and schedule. In all cases, the company reserves the right to accept or reject your application for a credit facility at its own discretion and without having to disclose the reasons for acceptance or rejection.

You may not

  1. transfer your personal, verified account or credentials to another user
  2. use our services to carry out transactions not authorized or covered by our app 
  3. provide false, fraudulent, misleading, incorrect or any other compromised information or data that may negatively affect the performance of our platform. This includes but is not limited to
    • provide false, fraudulent or incorrect information in applying or registering for our services
    • bypassing checks and authorizations required by our platform
    • bypassing and/or circumventing our investigation, disbursement or transaction mechanism

You are also accountable for uses of your personally verified account on our platform and may transfer this account to another device or phone number of your possession. You are also solely obliged to inform us of significant changes to your account information (such as change of address, change of phone number and loss or theft of your phone) if you have an account activated on our platform.

Validity of Information

We use our own technology to provide you with up-to-date information from partners. Product information includes product title, picture, description as well as price. While we work to ensure the most up-to-date information, we are not accountable for information we retrieve from our partners. Information provided by our platform is valid as-is, therefore we have not reviewed, and cannot review, all of the material we list on our platform, including product information, and cannot therefore be responsible for that material’s content, use or effects. Our platform may furthermore contain technical inaccuracies, typographical mistakes, and other errors, for which we are also not accountable.

You are solely responsible for the provision of your personal information. You hereby acknowledge and agree that anything you submit to our platform, including but not limited to, documents, questions, reviews, comments and personally-identifying information is truthful, and you will agree to transfer ownership of this information to become our sole and exclusive property.

Third Parties

To provide our services, we employ and may partner with third-party service providers (including but not limited to partner stores or merchants). 

We are not held accountable for services offered by third-parties. Services here includes third-party products, offers, promotions, money-back guarantees, payment terms, product discounts, websites, brochures, customer service commitments, and any other form of interaction or service you may have with partner merchants.

We may also employ the services of contractors, service providers, companies and and/or employees that assist us with the provision of our services. As part of this employment, third-party service providers may have access to some or all of your information submitted to our platform. Your use of our services constitutes your acceptance of providing such access to our partners solely for the purpose of providing our services to you.

Product Warranties

Unless otherwise disclosed, products purchased through our platform are as-is. You are solely responsible for making sure that the product you bought is functioning, was made available to you in a full and working state. You may return the product in line with applicable consumer protection regulation, subject to the terms of the law, and your ISC. Upon successfully returning or replacing a purchased product, your transaction will be voided in accordance with your ISC. While we facilitate your payment plan for your purchase, we are not to be held accountable for material or immaterial consequences of use, misuse, malfunction or damages caused by or through use of a product purchased from a partner on our platform.

Means of Communicating?

As part of using our services, we will communicate with you in writing using your mobile phone (e.g. SMS), your email address, as well as the mobile application of our platform. Your acceptance of these Terms & Conditions is an acceptance of the aforementioned means of communicating with you as a user of our services.

Intellectual Property / Trademarks

Intellectual property, and all right, title and interest in and to such property will remain solely with Financial Technologies SAE and entitled third parties. Intellectual Property protection covers our website, mobile applications, programming code, software, drawings, schematics, layouts, promotional material, shahry.co website, the shahry.co logo in all its variations and appearances, and all other trademarks, service marks, graphics and logos used in connection with Shahry or Financial Technologies SAE. These are registered trademarks of Financial Technologies SAE and protected under Egyptian and international copyright and intellectual property laws.

Other trademarks, service marks, graphics and logos used in connection with shahry.co may be the trademarks of other third parties. Your use of our service grants you no right or license to reproduce or otherwise use any Financial Technologies SAE or any third-party trademarks.

Termination / Misuse Blockage

We may, without prior notice to you, terminate your access rights and ability use of our platform without prior notice or liability. We reserve such right to protect the integrity of our platform, partners, and rights of other users and the public in general.


These Terms & Conditions are governed and enforced subject to the laws of the Arab Republic of Egypt.


Shahry is a digital buy-now-pay-later credit card and wallet. The app offers the ability to buy consumer goods and services in installments over up to 36 months, with no down-payment, and starting at 0% interest / APR.

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