Terms Of Service

Terms of Service

Terms of Service

Welcome! This website/app, blnk.ai/blnk now pay later (the "Platform," including all subdomains), is a copyrighted work belonging to blnk for Consumer Finance S.A.E. an Egyptian joint stock company incorporated pursuant to the Capital Market Law no. 95 of 1992 having commercial registration no. 34772 and holder of consumer finance license issued by the financial regulatory authority under no. 22 ("we," "us," and "our"). These terms of service (the "Terms") govern your access to and use of the services available on this Platform (the "Services"). Specific features of the Platform may have additional rules and terms associated with them, and such additional rules and terms will be prominently posted or otherwise made available to each user to the Platform including customers and merchants ("you" and "your," including any entity you represent) and are incorporated herein by reference.


You must be at least 21 (twenty-one) years of age to use this Platform. By using this Platform, you represent that you are at least 21 (twenty-one) years of age.

Conditions of Use

We will provide our services to you, which are subject to the conditions stated below in this document. Every time you visit this Platform, use its services, or request any consumer finance loan, you accept the following conditions. Therefore we urge you to read them carefully. You also accept and understand that the use of the Platform requires you to have an active phone number and sign up for an account on the Platform in order to be able to efficiently use the Platform.

This Platform primarily operates as an interface for providing consumer finance services. blnk for Consumer Finance is licensed consumer finance entity providing consumer loans via the Platform mainly using technology. We enter into cooperation agreements with most of the outlets, shops, retail, restaurants, service providers, and other merchants in order for the users to purchase any of their services or products using the consumer finance loans advanced through our Platform. Subject to these Terms, you are granted a personal, worldwide, non-transferable, non-exclusive, royalty-free, limited license to use and access the Platform. You must use this license only in the manner permitted by these Terms for the sole purpose of using and enjoying the benefit of the Services provided by the Platform.

By using this Platform, you agree to use the Services in compliance with these Terms and all applicable rules and regulations, including the local, state, national, and international laws that apply to your jurisdiction. In particular, any imperative legal provision(s) or law(s) applicable in Egypt in relation to the Platform or the provision of the Services. It may be illegal for certain persons to use the Platform in some countries. We make no claim that the Platform will be legal or accessible outside of Egypt. Subject to these Terms, you may view, print, and use our content and Services as permitted on the Platform and only for your own personal, non-commercial use without prejudice to the merchant’s right to use the app for the reasons specified in our commercial agreements. You further agree and acknowledge that your use of this Platform and the Services results in you sending electronic interstate transmissions through our computer network, and such transmissions may include, but are not limited to, any searches, file uploads, posts, instant messages, or emails.

You acknowledge that using Platform does not constitute a binding offer upon us to provide you with any Service as all promotions, marketing materials or announcements are considered invitation to treat and accordingly we are entitled not to provide any of our Services should we deem so in good faith according to our policies.

You further acknowledge and accept that we may use artificial intelligence technology and face recognition in order to validate and authenticate your identity and that all transactions requested at the premises of the merchant are requested by you. To that effect, you authorize us and our merchant network to capture a picture of you prior to processing any transaction requested by you.

The following uses of the Platform are prohibited unless we have intended to provide you with access or have provided you express written permission to the contrary:

a. Using the Platform in a manner that causes, or may cause, damage to the Platform or in a way that impairs visitors' abilities to access or use the Platform and Services, including using the Platform in a manner or for a purpose that is unlawful or fraudulent.

b. Using the Platform in order to copy, store, upload, publish, use, transmit, host, or distribute anything consisting of or linked to any computer virus, spyware, rootkit, worm, keystroke logger, or other malicious computer software or software that may destroy, damage, or alter a computer system.

c. Conducting any systematic or automated data collection on or related to the Platform or its users without their consent, including, without limitation, data mining, data extraction, scraping, data harvesting, "framing," or article "spinning".

d. Using the Platform to collect, harvest, or compile information or data regarding other users of the Platform without their consent.

e. Using software or automated agents or scripts to generate automated searches, requests, or queries on the Platform or to mine data from the Platform, provided, however, that operators of public search engines have our revocable permission to copy materials from the Platform for the sole purpose of and only to the extent necessary for creating public search indices, but not caches or archives of such materials, according to the parameters in our robots.txt file.

f. Transmitting or sending unsolicited communications, commercial or otherwise, or conducting any marketing activities, including using the Platform to send spam, pyramid schemes, or chain letters.

g. Republishing (including on another site), duplicating, copying, redistributing, selling, leasing, transferring, hosting, renting, or licensing any part of the Platform or otherwise commercially exploiting content, whether in whole or in part, on the Platform.

h. Editing, modifying, making derivative works of, reverse engineering, or reverse compiling any information, content, systems, or Services on the Platform.

i. Accessing the Platform in order to create a similar or competitive business, product, service, or website.

j. Collecting, transmitting, distributing, uploading, or displaying any content or otherwise using the Platform in a manner that (i) violates the rights of any third party, including any intellectual property rights or rights to privacy, (ii) is unlawful, tortious, threatening, vulgar, defamatory or libelous, pornographic, obscene, patently offensive, racist, or promotes physical harm or injury, (iii) causes or may cause harm to minors in any way, or (iv) impersonates another individual or organization or otherwise misrepresents affiliation with another person or entity without permission;

k. Interfering with, disrupting, or overburdening servers or networks connected to the Platform.

l. Gaining or attempting to gain unauthorized access by any means to any part of the Platform or to computers or networks connected to the Platform.

m. Harassing, stalking, harming, or otherwise interfering with or negatively affecting another user's normal use and enjoyment of the Platform.

Privacy Policy

Before you continue using our Platform, we advise you to read our privacy policy https://www.blnk.ai/index.php/privacy regarding our user data collection. It will help you better understand our practices.


Content published on this Platform (digital downloads, images, texts, graphics, logos) is the property of blnk and/or its content creators and protected by international copyright laws. The entire compilation of the content found on this Platform is the exclusive property of blnk, with copyright authorship or license to use for this compilation by us.

Unless otherwise stated, we and our permitted licensors own all intellectual property rights in the Platform and its contents, excluding User Content. These rights include, but are not limited to, ownership of all text, graphics, images, logos, copyrighted material, trademarks, patents, software, and other distinctive brand features displayed on the Platform or Services, including the compilation of any of the foregoing items. Except for the limited rights granted by these Terms, neither of these Terms nor your use or access to the Platform give you or any third party any intellectual property rights. We reserve all rights not explicitly granted by these Terms, which do not grant any implied licenses. All copyrights, trademarks, and other intellectual property notices on the Platform or Services must be retained on all copies thereof. You may not publish, reverse engineer, modify, distribute, transmit, sell, create derivative or plagiaristic works of, or use or exploit for any commercial reason, whether in whole or in part, any of the content on the Platform or Services other than your own User Content without our express prior written consent or the consent of any third-party owners of the content. Platform content is not for resale under any circumstances.


The entire communication with us is electronic. Every time you send us an email or visit our Platform, you are going to be communicating with us. You hereby consent to receive communications from us. If you subscribe to the news on our Platform, you are going to receive regular emails from us. We will continue to communicate with you by posting news and notices on our Platform and by sending you emails. You also agree that all notices, disclosures, agreements, and other communications we provide to you electronically meet the legal requirements that such communications be in writing.

The Services provided may include advertisements, some of which may be targeted based on the type of information on the Platform, queries made, or other information, whether submitted by you or others. The types and amount of advertising on the Platform or through the Services is subject to change.

User Accounts

Visitors to the Platform are permitted to create user accounts or profiles. Upon registering for our Services and signing up for an account, you are considered a "User" of the Platform. You represent that all information you submit when creating an account is true and accurate, and you promise to always update and maintain the accuracy of this information. Each User is the sole authorized user of his or her or its account. Users are responsible for keeping their passwords and account access information confidential. Therefore, you should take measures to restrict access to your account and to any devices from which you access your account. As a User, you are responsible for all activities that occur under your account, and you acknowledge that blnk is not responsible for unauthorized access to your account that results from theft or misappropriation of your account or password. Users are prohibited from assigning or otherwise transferring their accounts and passwords to others. You must notify us immediately if you know of or suspect that an unauthorized use or other breach of security of your account or the Platform has occurred. We may not be held liable for any loss or damage that may arise from your failure to maintain the security of your account. You may delete your account at any time and for any reason by following the instructions on the Platform. We retain the right to suspend or terminate your account at any time and for any reason, as further detailed below.

User Content

"User Content" means any material that you or other visitors submit or transmit in any manner to the Platform for any purpose, whether publicly posted or privately transmitted, and includes, but is not limited to, any text, data, images, national IDs, passport and other identification data, audio material, video material, and audio-visual material. This Platform and the Services it provides may include multiple ways of submitting User Content, including, for example, through use of forums, chats, online bulletin boards, and similar tools that allow visitors to communicate with others or submit content. Unless we indicate that User Content you submit will be kept confidential, your User Content may be made available for other visitors to view on the Platform or through third-party services. You hereby represent and warrant that the User Content you submit does not violate our Acceptable Use Policy stated herein.

You are prohibited from submitting any User Content that is illegal, unlawful, or infringes on the legal rights of any third party. Furthermore, you may not submit User Content that has ever been the subject of any actual or threatened legal proceedings or any User Content that may give rise to a legal action under any applicable law, whether against you, us, or a third party.

You agree that you are solely responsible for any consequences that may result from submitting User Content, including use of the User Content by other visitors of the Platform and by our third-party partners. Unless we indicate that particular User Content you submit will be kept confidential, your User Content may be distributed, published, broadcast, or syndicated by us or our third-party partners. You may be subject to liability if you submit User Content without the authority to do so.

We do not monitor the submission or publication of User Content on the Platform and are not responsible for the User Content. We do not endorse or support any User Content, or the opinions contained therein and do not guarantee the truthfulness, accuracy, suitability, or reliability of any User Content or other communications submitted or published on the Platform. You agree that we are not responsible for any loss or damage you may incur as a result of interacting with others on the Platform, and we are under no obligation to become involved in any such disputes. You may not represent that we have provided, endorsed, or supported the User Content you submit. Your use or reliance on any User Content is at your own risk. You assume all risks associated with the User Content you submit, including any reliance on the User Content and the risk of disclosure of the User Content that may identify you personally to a third party. You understand and accept that by using the Services or Platform you may be exposed to User Content that is offensive, inaccurate, deceptive, harmful, or otherwise inappropriate.

User Content may be subject to specific rules and limitations we post or communicate to you from time to time. You agree to only submit User Content conforming to such rules and limitations.

We may remove, edit, or delete any User Content submitted, hosted, or stored on the Platform or our servers without providing you with prior notice. We are not obligated to store or back up any User Content. Therefore, you are responsible for creating backup copies of any User Content you wish to keep.

Under no circumstances may blnk be held liable in any way for any User Content, including, but not limited to, for any errors or omissions in the User Content or for any loss or damage of any kind that may occur as a result of any User Content submitted, published, or otherwise made available on the Platform, Services, or elsewhere.

By submitting User Content you grant blnk an irrevocable, non-exclusive, royalty-free and fully paid, worldwide license (with right to sublicense) to use, publish, copy, adapt, modify, process, reproduce, transmit, distribute, translate, publicly and privately display and perform, incorporate into other works, prepare derivative works of, bring actions for infringement of, and otherwise use and exploit your User Content in any and all media or distribution methods now known or later developed. This license includes the right to provide the User Content to our third-party partners for distribution, publication, syndication, and broadcast on other media, devices, and services subject to our terms and conditions for the use of such User Content. Furthermore, you irrevocably waive any claims of moral rights or attribution regarding your User Content. You represent and warrant that you have all rights, power, and authority to grant all the rights pertaining to User Content as stated in these Terms.

This means that you will always maintain ownership of the User Content you submit. However, we have the right to display the User Content and make various changes to it as are necessary in providing our Services and to conform to the needs of different media, devices, services, and computer networks, and for the avoidance of doubt, we may not amend your personal data as defined in Law no. 151 of 2020 regulating Personal Data Protection in Egypt as amended from time to time without your prior consent. At no time will you be entitled to any compensation for this license. 

Comments, Reviews, and Emails

Visitors may post content as long as it is not obscene, illegal, defamatory, threatening, infringing of intellectual property rights, invasive of privacy or injurious in any other way to third parties. Content must be free of software viruses, political campaign, and commercial solicitation.

We reserve all rights (but not the obligation) to remove and/or edit such content. When you post your content, you grant blnk non-exclusive, royalty-free, and irrevocable right to use, reproduce, publish, modify such content throughout the world in any media.

License and Platform Access

We grant you a limited license to access and make personal use of this Platform. You are not allowed to download or modify it. This may be done only with written consent from us.

Third-Party Resources

The Platform may contain links and advertisements to third-party websites and services (collectively, "Third-Party Resources"). You agree and acknowledge that Third-Party Resources are not under our control, and we are not responsible for the content, products, or services they provide. We provide access to Third-Party Resources only as a convenience to you and do not monitor, endorse, warrant, or make any representations regarding Third-Party Resources. It is your sole responsibility to exercise appropriate caution and discretion when using Third-Party Resources, and you acknowledge that you assume all risks that arise from such use.


This Platform uses cookies. Cookies store information related to visitors' preferences, browser type, and other information in order to optimize their experiences. By using this Platform, you acknowledge your understanding of and consent to our use of cookies. You may delete cookies already on your computer by consulting the instructions for your file management software. You may also disable future cookies in your browser settings. Please note, however, that disabling cookies may prevent or impair your ability to access and fully make use of certain Services and areas of the Platform.

There are generally four categories of cookies: “Strictly Necessary,” “Performance,” “Functionality,” and “Targeting.” blnk routinely uses all four categories of cookies on the Service. You can find out more about each cookie category below:

Strictly Necessary Cookies. These cookies are essential, as they enable you to move around the Service and use its features, such as accessing logged in or secure areas.

  1. Performance Cookies. These cookies collect information about how you have used the Service, for example, information related to the unique username you have provided, so that less strain is placed on our backend infrastructure. These cookies may also be used to allow us to know that you have logged in so that we can serve you fresher content than a user who has never logged in. We also use cookies to track aggregate Service usage and experiment with new features and changes on the Service. The information collected is used to improve how the Service works.
  2. Functionality Cookies. These cookies allow us to remember how you’re logged in, whether you chose to no longer see advertisements, whether you made an edit to an article on the Service while logged out, when you logged in or out, the state or history of Service tools you’ve used. These cookies also allow us to tailor the Service to provide enhanced features and content for you and to remember how you’ve customized the Service in other ways, such as customizing the toolbars we offer in the right column of every page. The information these cookies collect may be anonymous, and they are not used to track your browsing activity on other sites or services.
  3. Targeting Cookies. blnk, our advertising partners or other third-party partners may use these types of cookies to deliver advertising that is relevant to your interests. These cookies can remember that your device has visited a site or service and may also be able to track your device’s browsing activity on other sites or services other than blnk. This information may be shared with organizations outside blnk, such as advertisers and/or advertising networks to deliver the advertising, and to help measure the effectiveness of an advertising campaign, or other business partners for the purpose of providing aggregate Service usage statistics and aggregate Service testing.

User Account

If you are an owner of an account on this Platform, you are solely responsible for maintaining the confidentiality of your private user details (username and password). You are responsible for all activities that occur under your account or password.

We reserve all rights to terminate accounts, edit or remove content and cancel service orders/consumer finance application in our sole discretion.

Modification of Platform

We reserve the right to modify, add to, suspend, or terminate all or part of the Platform or Services at any time with or without providing prior notice to you. This includes the right to create limits on our visitors' use of Services and data storage. You agree that we are not liable for using or enforcing the rights stated in this paragraph. Unless we indicate otherwise, any future modifications to the Platform are subject to these Terms.

Support or Maintenance

Although we may choose to provide customer support or website maintenance, you acknowledge and agree that we are under no obligation to do so.

Applicable Law

By visiting this Platform, you agree that the laws of the Arab Republic of Egypt, without regard to principles of conflict laws, will govern these terms of service, or any dispute of any sort that might come between us and you, or its business partners and associates.


Any dispute related in any way to your visit to this Platform shall be settled by the Egyptian courts and you consent to exclusive jurisdiction and venue of such courts. You may also resort to the Financial Regulatory Authority to submit any complaints.