Terms & Conditions

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Hysab Kytab is an application for various platforms, developed and offered to you by Jaffer Business Systems Pvt Ltd, it enables its users to track and manage personal finance and analyze their income and expenses. Your use of the Hysab Kytab or HK application and all the related services provided through it by Provider (collectively referred as “Hysab Kytab”) is subject to the following terms (“Terms”), which upon your acceptance form a legally binding agreement between you and the Provider (“Agreement”). For the avoidance of doubt, such agreement is concluded solely between you and the Provider and there are no other parties to it.

Hysab Kytab is currently available in its basic version free of charge.

Acceptance

These Terms regulate the legal relationship between you and the Provider and represent a framework contract based on which Provider is providing an account information service to you. The Terms are always available to you through the distribution platforms or in the Hysab Kytab application and you have the right to request them to be sent to your e-mail in the form of a PDF file. You may not use Hysab Kytab unless you express your acceptance of the Terms during the sign-up process by choosing “Accept” in a confirmation dialog box. You are also expressing your acceptance and willingness to be bound by these Terms by using or otherwise accessing Hysab Kytab.

You may not accept these Terms if you are a juvenile or adolescent and you do not have enough legal capacity to enter into a contract. If you are less than 18 years of age, you must have your parent or legal guardian’s permission to accept the Terms and conditions Hysab Kytab.

By accepting these Terms, you declare that you are not a politically exposed person as defined by Pakistan law. on anti-money laundering, as amended. If you fail to comply or ceased to comply with this condition, or if you have any doubt as to whether you fulfil this condition, you must contact the Provider by e-mail: Support@hysabkytab.com

Term and Termination

The Agreement will remain in full force and effect while you use Hysab Kytab and until terminated by either you or the Provider. Termination always includes deletion of your user account.

You may terminate the Agreement at any time and for any reason by sending a notice to the Provider (by e-mail) and deleting the Hysab Kytab application.

Provider may terminate the Agreement upon notice at any time and for any reason. The notice period is 7 days unless immediate termination is agreed between you and Provider. In exceptional circumstances under relevant Pakistan law, such as money laundering or terrorist financing, any action which targets the freezing of funds, or any specific measure linked to the prevention and investigation of crimes, Provider may terminate the Agreement without notice at any time. In case of termination due to your breach of the Terms you are not entitled to any damage.

Amendments

When there are changes in laws or regulations, conditions in the financial services markets, technology or organizational processes, or when changes are needed due to compliance with the statutory obligation of prudential business rules or in order to improve quality of services provided through Hysab Kytab application, Provider may amend the Terms at its sole discretion. Such an amendment may cover areas such as amending and terminating the Agreement, registering a user account. You will be notified about the planned changes in advance through Hysab Kytab application and via e-mail, you are expressing your acceptance of the changes. If you do not agree with the changes, you may terminate the Terms at any time and free of charge.

Release of updated version of the Hysab Kytab application may precede the effective date of the updated Terms for the existing users. You may be required to accept the updated Terms in order to be able to use all features of updated version of the Hysab Kytab application.

Your use of Hysab Kytab

You must use Hysab Kytab only in accordance with the Terms, you are obliged to follow all the applicable laws and terms and conditions of third parties.

You must not use Hysab Kytab to engage yourself in activities that mar, interfere, destroy, or access in an illegitimate fashion server, network connectivity, or other aspects or services of any third-party.

Registration and User Account

In order to be able to use Hysab Kytab you must sign up. You can sign up with your e-mail or Google account and phone number. You agree to provide to the Provider only accurate, truthful and current information and keep it up to date.

You must keep your Hysab Kytab account login information confidential and secure and you may not share it with anyone. You are solely responsible and liable for any and all activities that occur under your account. The Provider reserves the right to refuse your registration or suspend your HysabKytab account at any time.

User content

You may enter and upload to Hysab Kytab or synchronize with its texts, numerical data, photos or other content. You retain copyright and all other rights to your content that qualifies for a legal protection. For such content you grant Provider a worldwide non-exclusive, no-charge and royalty-free license to use it in the connection with provision of the services, including without limitation, rights to copy, reproduce, modify, create derivative works of, publish, display, upload, transmit, distribute, market and sublicense. You represent that you have all necessary rights and consents to do so. The license lasts for the full term of the copyright or until a termination of the Terms.

You are solely responsible for any content you provide to Hysab Kytab and for any consequences thereof. You may not enter or upload to Hysab Kytab or synchronize with its unlawful content or content that infringes copyright or any other third-party rights. You must not upload any content describing or depicting violence or content which is pornographic, discriminatory, derogatory, racist, defamatory or otherwise illegal and share it with other users of Hysab Kytab.

Provider does not review the user content but reserves the right to remove or disable access to any user content for any reason. Provider has no responsibility for the accuracy of the content you provided to Hysab Kytab or synchronized with it or which was created by Hysab Kytab based on your input.

No professional advice

Based on your user content (particularly synchronized payment account data) Hysab Kytab may provide you with personalized services relating to financial health (such as measures and analyses of various financial indicators) or commercial offers (ads). You hereby acknowledge and agree that such advice or commercial offers do not constitute professional financial, tax, accounting, investment or any other professional advice and Provider makes no representations or warranties of any kind related thereto. In no event shall Provider be liable for any damages caused to you or a third person arising out of your use of such financial advice or commercial offers.

Third-party Services

Hysab Kytab or its parts may integrate or otherwise include third-party services or content such as ecommerce stores, banks, payment gateways etc. You acknowledge that also other terms and conditions than these Terms may apply to your use of such third-party services (including privacy policies) and that Provider does not guarantee availability of such services and content. You must agree and comply with any applicable third-party terms when using Hysab Kytab. The mere fact that Hysab Kytab integrates or otherwise includes third-party services or content does not constitute an endorsement of Hysab Kytab by respective third parties.

iOS Platform

If you are an iOS device user, the terms in this section also apply to you:

You acknowledge that the Terms are concluded between you and Provider only, not with Apple, and that Provider, not Apple, is solely responsible for Hysab Kytab application and the content thereof, excluding user content.

The license granted to you must be limited to use Hysab Kytab only as permitted by the Usage Rules set forth in the App Store Terms of Service, except that Hysab Kytab may be accessed and used by other accounts associated with the purchaser via Family Sharing.

Provider and not Apple is solely responsible for providing any maintenance and support services with respect to Hysab Kytab. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to Hysab Kytab.

In the event of any failure of Hysab Kytab to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to Hysab Kytab, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be sole responsibility of Provider.

Provider, not Apple, is responsible for addressing any your or third-party claims relating to Hysab Kytab or your possession and/or use of Hysab Kytab, including, but not limited to, product liability claims, any claim that the Hysab Kytab fails to conform to any applicable legal or regulatory requirement and claims arising under consumer protection, privacy or similar legislation.

You acknowledge that, in the event of any third-party claim that Hysab Kytab or your possession and use of Hysab Kytab infringes that third party’s intellectual property rights, Provider, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.

You acknowledge and agree that Apple and Apple’s subsidiaries are third party beneficiaries of this Agreement, and that, upon your acceptance of the Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce the Terms against you as a third-party beneficiary thereof.

Auto-renewable nature of subscriptions: subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Account will be charged for renewal within 24-hours prior to the end of the current period and identify the cost of the renewal. Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user’s Account Settings after purchase.

Language

We agreed on English as a primary language of communication between you and the Provider. All information about Hysab Kytab is available in the English language. The Terms are available in the English language only. English shall be also the binding and controlling language for the additional agreements concluded pursuant to the Terms.

Contacting us

If you have any questions about this privacy policy, please contact us at:
Email: support@hysabkytab.com

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How to set a budget?
To set budget to pfm, tap on budgets then tap on ‘’create new’’ budget button. You can choose category and allocate amount for budget.
How to add a new transaction?
To add new transaction, you can tap on plus button (bottom), select transaction type, add amount, select category, select account, to add detail (optional) you can add description, tags, location, receipt etc. In case of recurring transaction set time interval.
How to filter out past transactions?
Tap on filter icon to filter out / sort transactions by category, amount and transaction type.
How to set saving goal?
To set saving goals with hysabkytab tap on create new option, name your goal, add amount, set target date, add tags (optional), choose icon (optional), tap on create saving goal option.
how does tag work in hysabkytab?
Tags work just like a sub-category in hysabkytab. For example, you added an expense transaction for rs.350, category (transport), account (cash) and you added a tag name (uber). Now you can search through your tag. To search, tap on history, tap on search bar, type your tag name (uber)
How to change personal accounts into income and expense accounts?
New hysabkytab has person account only for lending and borrowing. You can change your previous personal account into income and expense accounts. For that create a new cash account with same name, but don’t enter balance, then make a transaction of transfer (from old account to new account with initial balance).
Why hysab kytab asks for camera access?
Certain features in hysab kytab requires access to your camera/gallery for example if you want to attach receipts with transaction, or you want to post sale alerts, in those scenarios you are required to give access to your camera/ gallery.
Why hysab kytab asks for my location?
When you try using the feature of adding place to your transactions, the app requests your permission to give access to location services. If you allow the app to access these location services, you will be able to see what places you are spending your money at.
How to change a currency format?
You can adjust decimal according to your need, to change currency format, tap on left drawer (top left), tap on setting, tap on currency format (change by scrolling down)
How does reminders work in hysabkytab?
You can set reminder for any type of transaction. To set reminder, tap on left drawer, tap on reminder, tap on add button, set type, title, time, interval, date.
How to change time interval?
To change time interval, tap on money, tap on calendar icon (top right), change interval according to your choice002e
How to set 4-digit passcode?
To add extra layer of security, you can set 4-digit passcode on your hysabkytab app, to set 4-digit code, tap on left drawer, tap on setting, tap on security, set 4-digit pin.
How to create a backup on hysabkytab?
To take backup, tap on left drawer, tap on setting, tap on backup, you can either take backup on your device or google cloud.
After changing phones, how do i transfer my data from one phone to another?
you will have to create a backup on your google cloud from your old phone. If you are logged with the same google account in your new phone, you can restore the data from your google drive. Once restored, all your data will be retrieved automatically.
Cross platform backup
Hysabkytab does not support cross platform backup, you can only restore android backup to another android device only.
How to add an offer to your wishlist?
To add an offer to wishlist, tap on a book shape icon (first left below every deal) how to use search
Tap on search icon (top right)

How to apply filter on deals?
To apply filter on deal, tap on view all option (top right), then tap on filter icon (top right below the search icon), you can apply discount slider to filter percentage of discount, you can filter by price range, and brand.

How and why to set reminder on a deal?
Reminder will help you to avail a certain deal before it gets expire. You can set reminder by tapping on reminder icon, set type, set time, set interval, month, date.
Why you can see flyers in karachi only?
As it is our initial phase, flyers are only available in karachi, they will be available nationwide soon.
How to remove an offer from your wishlist?
To remove an offer from your wishlist, tap on deals, tap on wishlist icon (top right), tap on the deal you want to remove, tap on remove from wishlist option.
How to place an order for items in your wishlist?
Tap on deals, tap on wishlist icon (top right), tap on item you want to buy, tap on buy now button.
How to add review or rate a deal on hysabkytab?
To add review or rate on deal, tap on deal (you want to rate), scroll down, tap on add review option, tap on stars to rate, type comment below.
If i travel to abroad but my origin is set as my home county, will i be able to see deals of foreign country?
No, in case you are moving to foreign country, change your origin to see foreign deals. To change origin, tap on left drawer, tap on setting, tap on country.
Why to shop from hk and not directly from the e.com website?
When you search a product on hysabkytab it searches across all our e. Commerce partner which increase your product verity and gives you most discounted product. Also you can easily add that transaction in your finance management section to keep your finance in track.