Terms of use · Masrouf Personal

Masrouf Personal is provided by Mark Nourallah, trading as Masrouf ("Masrouf", "we"). It keeps a household's spending: you send bills on WhatsApp or add them at my.masrouf.ai, Masrouf reads and files them, and shows the household what was spent.

These terms apply to everyone who uses Masrouf Personal at my.masrouf.ai or through its WhatsApp number. By opening or joining a household you agree to them.

• You can open a household by sending START to Masrouf on WhatsApp or by signing up with your email, while the pilot has room and in a country it is open in, or join a family by its invite. One number or address makes one household of its own.
• Each account is for one person, who is responsible for what happens under it. Keep your password to yourself and tell us if you think someone else has it.
• Adults see the bills filed for the Home. A bill filed as Personal is seen only by the person who filed it. Add only people you are happy to share your Home spending with.
• The owner can invite people, change their roles and remove them. A removed member's own bills are kept 30 days for them to download, then erased.

• What you send stays yours. You let us store and process it only to provide the service, as the privacy policy describes.
• An AI reads what you send, and Masrouf asks when it is unsure, but the figures are yours to check. You can correct anything it reads. Masrouf is a record of spending, not financial advice.
• Send only what you are entitled to share. Do not send someone else's statement without their agreement.

It never asks for or keeps bank logins, never moves money, and never reads WhatsApp chats you have not sent to its number.

• Use Masrouf Personal for your own household. Do not send content that is unlawful, that is not yours to send, or that is meant to probe or overload the service. Do not try to reach anyone else's data.
• Automatic reading has hourly and daily limits, per member, per household and for the whole service, and an estimated AI cost limit of US$5 a month per member. What you send over an hourly or daily limit is not read; send it again later. Over the monthly limit, bills are saved for you to fill in, up to a daily number of files. Spreadsheet imports have daily limits too.

• Messages sent to the Masrouf number are filed in the household linked to that phone. WhatsApp is run by Meta under its own terms; Masrouf receives only what you send to its number.
• Besides its replies, Masrouf sends you a summary of your own spending. Choose weekly, monthly or off in Settings, or send weekly off. Send STOP to turn off every message Masrouf sends first, and RESUME to turn them back on. Replies to what you send are not affected.

• Masrouf Personal is offered as it is. We work to keep it available and correct, but cannot promise it always will be, and we may change or withdraw features.
• We tell you about a change to these terms that matters at least 30 days before it applies.
• The pilot is free. Any fee later is shown before you agree to it.

• To the extent the law allows, we are not liable for decisions made on Masrouf's figures or for indirect losses. Our total liability for any claim is limited to what you paid Masrouf in the twelve months before it.
• Nothing here limits liability that cannot be limited by law.

• You can stop at any time. Leave your household or delete your account in Settings → Privacy & data; an owner can delete the whole household there.
• Deleting erases your Personal bills, files and sign-in, as the privacy policy describes. Bills you filed for the Home stay with the household, as "Former member".
• We can end the service or your access with reasonable notice, or at once if these terms are broken.

• How we handle personal data is in the privacy policy.
• Nothing in these terms takes away protections you have under the law where you live.
• Questions go to expenses@masrouf.ai.