Terms of Service

1Accepting these terms

By registering and using the service you agree to these terms. If you do not agree, please do not use the app.

These terms are read together with the Privacy Policy — the two are parts of one agreement.

2What the service is

Qarzer is a record-keeping tool — a digital ledger. We are not a bank, a credit institution, a payment provider or a guarantor.

Money never moves inside the app. Any payment happens outside it, through your banking app or in cash; Qarzer only records what the two sides agreed.

A record in the app captures an agreement, but by itself it does not replace a notarised document or a legal contract.

3Who may use it

The service is for people aged 16 or over who can enter into agreements in their own name. Registering on someone else’s behalf is not allowed.

4Your account

You are responsible for the security of your account and for everything done through it. Protecting your Google account is your responsibility too.

Creating multiple fake accounts is not allowed. If a @username is misleading about another user or an organisation, we may require it to be changed.

5Debt records and confirmation

A debt is created by an offer inside the chat and takes effect only once the other side confirms it. The side that stands to lose is always the one who confirms: the borrower confirms a new debt, the lender confirms a change of due date.

• An unconfirmed offer expires after a day and creates no obligation.
• The sender may cancel an offer before it is confirmed.
• A confirmed record cannot be changed or deleted by one side alone.
• Declined, cancelled and expired offers remain in the chat as history.

Responsibility for the accuracy of the amount, currency and due date rests with the people who entered and confirmed them.

6Reminders

The lender may send a reminder. To prevent misuse, a reminder goes out at most once a day per debt and only during daytime hours.

A reminder is a polite message, not a means of threat or coercion. Using reminders to pressure someone is a breach of these terms.

7Chat and user content

You are fully responsible for the amounts, notes, messages and images you enter.

The following are prohibited: insults and threats, fraud, impersonation, incitement to break the law, sharing someone else’s personal data without consent, spam and mass unsolicited messages.

Where we find such content we may remove it and restrict the account.

8Payment details

Adding a card to your profile is optional. You decide who sees it and can hide it again at any time.

You are responsible for the accuracy of those details. If money reaches the wrong person because of a mistyped card number, that is not something we can answer for.

9The Qarzer Pro subscription

The core features are free. Qarzer Pro is an optional subscription, purchased through Google Play and renewed automatically there.

You can cancel at any time in your Google Play settings — cancellation takes effect at the end of the paid period. Refunds follow Google Play’s rules.

We may change prices; changes apply to existing subscribers only after advance notice.

10Unacceptable use

• Attempting to disrupt the service, overload it or bypass its protections.
• Using automated tools to send bulk requests to the app.
• Collecting other users’ data without their consent.
• Using the service for unlawful activity.

11Changes and interruptions

The app keeps evolving: features are added, changed or removed. We try to give notice of significant changes in advance.

Temporary interruptions may happen because of maintenance, updates or causes beyond our control.

12Limitation of liability

Qarzer is not a party to the financial relationship between users. We do not guarantee that a debt will be repaid, we do not settle disputes between the two sides, and we do not collect debts.

The service is provided “as is”. To the extent the law allows, liability for indirect loss, lost profit and lost data is excluded.

Nothing here limits rights that cannot be excluded under applicable law.

13Suspending and deleting an account

You may ask for your account to be deleted at any time.

We may restrict an account with warning where these terms are broken, and immediately in serious cases. We explain the reason unless the law prevents us from doing so.

14Changes, disputes and governing law

We announce updates to these terms in the app. Continuing to use the service after an update means you accept it.

Disputes are settled by negotiation first. Failing that, they are considered under the law of the Republic of Uzbekistan.