Terms of Service

1. This agreement

These terms are a contract between you and Zaid Haddadin (“Qirsh”, “we”, “us”), who operates the Qirsh service. By creating an account or using the service you accept them, subject to the note at the top of this page on when this version applies to an account that already existed. If you do not accept them, do not use Qirsh.

Our Privacy Policy forms part of this agreement.

2. What Qirsh is

Qirsh is a personal-finance tracker. You enter your accounts, cards, loans, installment plans and transactions, and it organises them, projects what falls due, and models how credit-card grace periods, carried balances and interest are calculated.

Qirsh is not:

• a bank, a payment institution, or a money-transmission service;
• connected to any bank, card network, or financial institution;
• able to move, hold, send, or receive money — there is no such function in the product;
• a lender, broker, credit-reference agency, or accountant.

3. Not financial advice

Nothing in Qirsh is financial, investment, tax, or legal advice, and it is not a recommendation to take out, refinance, or settle any credit product. Decisions you make about your money are yours. If you need advice, speak to a qualified professional.

Qirsh’s projections depend on the accuracy and completeness of the information you enter and on the assumptions used in its models. Incorrect or incomplete entries can produce inaccurate projections. Correct entries do not guarantee an exact match with your lender’s calculations, because lender-specific rules, charges and processing dates may differ from the model.

4. Your account

• You must be at least 16 to use Qirsh.
• The details you register with must be accurate, and you must verify your email address.
• You are responsible for keeping your password safe. We recommend enabling two-factor authentication.
• Tell us promptly at support@qirsh.app if you think someone else has accessed your account.
• Accounts are personal. Do not share your login.

Because your password is stored only as a one-way hash, we cannot recover it — we can only help you reset it.

5. Acceptable use

Do not:

• break the law, or use Qirsh to launder money or disguise the proceeds of crime;
• attempt to access another user’s data, or probe, scan, or breach our security;
• disrupt the service, or place automated load on it beyond normal personal use;
• copy, resell, or redistribute the service;
• reverse-engineer it, except to the extent that law expressly permits.

If you find a security vulnerability, please report it to security@qirsh.app before making it public.

6. Your data

What you enter stays yours. We claim no ownership of it. You grant us the permission we need to run the service and to handle your data as the Privacy Policy describes, including to store, process and display it back to you, to back it up, to keep the service secure and working, and to comply with the law.

You can export a copy at any time — a JSON file holding your profile and your main records, or your transactions as CSV — and deleting your account permanently erases it, as described in the Privacy Policy. Export before you delete — deletion cannot be undone.

7. Price and paid features

The core of Qirsh is free today, and we intend to keep it free. That includes tracking your accounts, cards, loans, installments, budgets and goals.

If we ever charge for a feature, its price and any usage limits will be shown before you buy, and you will not be charged unless you agree to pay.

8. Availability

We aim to keep Qirsh available and working properly, but we do not promise uninterrupted service. We may need to take it down for maintenance, and we may change or retire features. Where a change materially reduces what you get, we will give you reasonable notice before it takes effect. We may also stop providing Qirsh altogether; if we do, we will give you reasonable notice so you can export your data first.

Qirsh is under active development. Some features are new, and defects are possible — which is exactly why section 3 matters and why export exists.

9. Intellectual property

The Qirsh name, logo, design, and software are ours and are protected by intellectual property law. These terms grant you a personal, non-exclusive, non-transferable, revocable licence to use the service. They do not transfer any ownership to you, and do not let you use our branding without written permission.

10. Ending this agreement

You may stop at any time by deleting your account in Settings.

We may suspend or close an account that breaches these terms, that we are legally required to close, or that is being used to harm others or the service. Where we reasonably can, we will warn you first and give you a chance to export your data. If we stop providing Qirsh altogether, we may close all accounts, giving you reasonable notice before we do, as section 8 provides, so that you can export your data first.

We may transfer this agreement, including our rights and obligations under it, to someone who takes over Qirsh and continues it under these terms. We will tell you before that happens, and you may export your data and close your account.

11. Warranties

Except as this section says, and to the fullest extent the law allows, Qirsh is provided “as is” without warranties of any kind, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the service will be uninterrupted or error-free, or that its calculations will match those of any specific lender.

12. Liability

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, wilful misconduct or gross negligence, or any other liability that applicable law does not permit us to exclude or limit. Nothing in these terms restricts your mandatory consumer rights or remedies.

Qirsh’s projections depend on the information you enter and the modelling limitations explained in section 3. To the extent permitted by applicable law, we are not responsible for losses caused solely by either (a) inaccurate or incomplete information you provide, or (b) differences between your lender’s actual terms and assumptions that Qirsh clearly disclosed to you before you relied on the relevant projection. This does not exclude responsibility for defects in Qirsh for which we are legally responsible.

Subject to the protections above, and only to the extent permitted by applicable law, we exclude liability for indirect or consequential losses and for losses of business profits or business opportunities. A loss is not excluded merely because it arose from a financial decision you made using Qirsh.

For claims to which a financial limit may lawfully apply, our total aggregate liability to you arising out of or relating to the service is limited to the greater of 50 JOD or the total amount you paid us during the twelve months immediately preceding the event giving rise to the claim.

These exclusions and the financial limit apply only where, and to the extent, permitted by applicable law, including any mandatory consumer law that protects you.

13. App Store terms

If you obtained Qirsh from the Apple App Store, the following also apply and prevail over anything inconsistent above, except that they do not increase our liability to you beyond sections 11 and 12:

• This agreement is between you and us only — not with Apple. Apple is not responsible for Qirsh or its content.
• You receive a non-transferable licence to use Qirsh on Apple-branded devices you own or control, subject to Apple’s applicable Usage Rules, including access through Family Sharing or volume purchasing where those rules permit it.
• Apple has no obligation to provide support or maintenance for Qirsh. Support requests go to support@qirsh.app.
• If Qirsh fails to meet an applicable warranty, you may notify Apple, and Apple will refund its purchase price to you. To the extent applicable law permits, Apple has no further warranty responsibility. To the extent not effectively disclaimed in sections 11 and 12, any other claims, losses and expenses arising from that failure are our responsibility, not Apple’s.
• We, not Apple, are responsible for addressing any claim that Qirsh infringes intellectual property rights, and for any product-liability or legal-compliance claim relating to it.
• You confirm you are not located in a country subject to a US Government embargo or designated as terrorist-supporting, and are not on any US Government prohibited-parties list.
• Questions, complaints or claims about Qirsh go to us, not to Apple: Zaid Haddadin, support@qirsh.app.
• You must comply with applicable third-party agreements when using Qirsh.
• Apple and its subsidiaries are third-party beneficiaries of these terms. On your acceptance of these terms, Apple has the right (and is deemed to have accepted the right) to enforce them against you.

14. Governing law

These terms are governed by the law of the Hashemite Kingdom of Jordan, and the courts of Amman, Jordan have jurisdiction over any dispute.

If you are a consumer, this does not deprive you of the protection of the mandatory law of the country where you live, or of any right that mandatory law gives you to bring proceedings in your local courts.

15. Changes

We may update these terms. For material changes we will notify you by email or in the app before they take effect, and continuing to use Qirsh afterwards means you accept them. If you do not, you may close your account and export your data. The date at the top of this page is when this version was last updated; the effective-date statement at its start says when it applies to your account.

Questions: support@qirsh.app.