Terms and Conditions

PLEASE NOTE THAT YOUR USE OF AND ACCESS TO THIS Application (AS DEFINED BELOW) ARE SUBJECT TO THE FOLLOWING TERMS; IF YOU DO NOT AGREE TO ALL OF THESE TERMS, YOU MAY NOT USE OR ACCESS THE application  IN ANY MANNER.

These Terms of Use represent an agreement between you and BNFT and contain the terms and conditions governing your use of and access to our application, our products, and services (collectively, the “application”). You" and "your" mean the person who uses or accesses the Services. "We," "us," and "our" mean BNFT and its successors, affiliates, and assignees. As used in these Terms, “BNFT Account" means the account you have with us for the Services.

Your use of and access to the application are subject at all times to these Terms and our Privacy Policy. Please read these Terms and our Privacy Policy carefully. By using or accessing the application, you represent that you have read and understand these Terms and our Privacy Policy and you agree to be bound by these Terms and our Privacy Policy. If you do not agree to all the terms and conditions of these Terms and our Privacy Policy, do not use or access the application.

  • The purpose of the application is to help you accumulate electronic points with minimal efforts. BNFT is introducing a marketplace that brings together millions of products and many merchants, including restaurants, retail and entertainment. This marketplace will allow customers to earn and redeem points at any participating merchant.
  • BNFT enable customers to spare the remaining cash coins, add them up so in the end recover a considerable amount from the coins.
  • Users and members will earn points equivalent to their remaining cash coins during any cash purchase transaction, only from merchants registered with the application.
  • The Application will credit your balance with Electronic Points for every loose change remaining from the amount paid in stores that are subscribed to BNFT Application. The Electronic Points are characterized by the following:
  1. Every Point is equivalent to the purchasing power of one EGP only.
  2. Pound fraction will be equivalent to decimal points and can add up to one full point/Pound.
  3. Every cash coin not redeemed at the merchant because of shortage of change, will be added to the subscriber points account instantly at the point of purchase with automatic referral to the merchant details and sales transaction.
  4. BNFT is only useable with cash payments and not credit payment
  5. BNFT will only be useable when both the buyer and merchant are subscribed to the application.
  6. The Electronic Points are acceptable by the Stores that are members in our Application for making purchases either as total payment or partial payment according to the balance of the buyer.
  7. Saved points are redeemable across all merchants in the marketplace as long as they are subscribed to BNFT .
  8. If You do not have sufficient Points on your BNFT Account to cover the amount of the requested purchase, your request for the purchase will be declined.
  9. Points are not cash- redeemable as members and users cannot replace or exchange their points with cash but can exchange with purchases.
  10. You may not transfer the Points in your BNFT account to make purchases to third parties, or for any other purpose
  11. BNFT provides transparency between customers and merchants to reduce fraud, loss of points, and other types of manipulation that could be attempted on transactions.
  12. BNFT allows users to transfer and receive points to other subscribers

You may obtain information about the balance of the Electronic Points in your BNFT Account at any time by logging in to your account on the Application or by calling ________________ in case of any problems.

You agree that you will not receive interest or other earnings on the Electronic Points held in my BNFT Account. You irrevocably transfer and assign to BNFT any and all rights that you may have to any interest that may accrue on funds held in your BNFT Account.

Subscribers/buyers shall pay one point as monthly fee for the application services; we reserve the right to change fees for the services in the future. We will notify you before changing our fee for the Services by delivering notice to you electronically, by posting such fee on the Website, or by any other method permitted by applicable law. If you continue using the Services after such notice, you must pay all applicable fees for the Services.

The first time you download and activate the application we will send you a UNIQUE code via text message to your mobile device number and you must enter that code as instructed by BNFT .
In order to further use the application services and follow the updates, you must expressively consent to receive text messages relating to the Services at that specific mobile number. Third-party data, news or messages about fees will be addressed to you either through the application, the application website or possibly through a message to your registered device mobile number through text messages.
In case you change your mobile device number, you must promptly provide and verify your new mobile device number and feed it on your application. In addition, if you provide your email address to us, we may send you important notices via email about the Application Services and updates.

No personal data is ever released to third- party merchants. For the protection of our users and members, consumer data is always stored privately and securely.

You are solely responsible for the maintenance, confidentiality, and security of your UNIQUE ID code, username, password, and other User Information. Except as otherwise required by applicable law, you are responsible for all transactions and other activities authorized or performed using your username and password or mobile device, whether authorized or unauthorized by you. Except as otherwise expressly stated in these Terms or required by applicable law, we are not responsible for any losses arising out of the loss or theft of your User Information or your mobile device or from unauthorized or fraudulent transactions associated with your Account or your BNFT Account. If you suspect or become aware of any unauthorized activity or access to your username, password, or mobile device, you must contact us immediately at ____________________.

If your mobile device is lost or stolen or if you suspect someone has gained unauthorized access to your username or password, you must contact us immediately at ___________________ or ___________________. In order to take any action, you will need to provide certain User Information so we can verify your identity.

We may, in our sole discretion and without liability to you, terminate (or suspend access to) your use of the Services, Content, or your BNFT Account for any reason, including, but not limited to, your breach of these Terms.

The Services may contain links or connections to third-party websites or services that are not owned or operated by us or our third-party service providers or licensors. We provide such links and connections for your reference only. We do not control such third-party websites or services and are not responsible for their availability or content. Our inclusion of such links and connections does not imply our endorsement of such third-party websites or services. We assume no liability whatsoever for any such third-party websites or services or any content, or products of such third-party websites or services. Your access and use of such third-party websites and services is subject to applicable third-party terms and conditions and privacy policies.

BNFT takes the privacy of its users very seriously. You understand that by using the Services, you consent to the collection, use, storage, and disclosure of your information as set forth in these Terms and our Privacy Policy

You may stop using the Services, close your BNFT Account, and cancel these Terms at any time by contacting us at ____________________ and providing sufficient information for us to verify your identity. Notwithstanding the foregoing, if there are any pending transactions relating to your BNFT Account when we receive your termination notice, we will close your BNFT Account promptly after such transactions are completed. The account closure will happen when your account balance reaches NILL.Your termination of these Terms will not affect any of our rights or your obligations arising under these Terms prior to termination.

You can retrieve it with you Unique ID code, provided to you upon installation
Yes, there is the option to freeze your account up to three months and ask for reactivation either through the call center or the website.
  • Your mobile number
  • Your full name details
  • Your email is optional
  • Your login name and password

BNFT app is available for all devices

BNFT is a mobile application (iOS and Android) working as full digital solutions for lending companies (micro finance – consumer finance).

* Available on iPhone, iPad and all Android devices