Egypt Addendum

Tazbeat — Egypt Country Addendum

1. Purpose and Precedence

This Egypt Country Addendum (the “Egypt Addendum” or “Addendum”) supplements and, where stated, overrides the Tazbeat Platform Terms of Use (the “Terms”) and the Tazbeat Booking, Payment, Cancellation, and Service Conditions (the “Conditions”) for Egyptian users and Egyptian transactions.

Where this Addendum conflicts with the Terms or the Conditions, this Addendum controls for users in Egypt and bookings performed in Egypt, except where mandatory Egyptian law provides a different or stronger protection for the user — in that case, Egyptian law controls.

2. Governing Law

For Egyptian users and Egyptian transactions, these Terms, Conditions, and this Addendum are governed by the Laws of the Arab Republic of Egypt, including but not limited to:

• Egyptian Civil Code (Law No. 131 of 1948), as amended
• Egyptian Commercial Code (Law No. 17 of 1999), as amended
• Consumer Protection Law No. 67 of 2006 (as amended) and Executive Regulations under Law No. 181 of 2018
• E-Signature and E-Commerce Law No. 15 of 2004
• Personal Data Protection Law No. 151 of 2020 (PDPL) and its Executive Regulations
• VAT Law No. 67 of 2016 and its executive regulations
• Cybercrime Law No. 175 of 2018
• Central Bank of Egypt (CBE) payment regulation and circulars

3. Forum and Dispute Resolution

Disputes arising from Egyptian transactions shall be submitted to the courts of Cairo, Arab Republic of Egypt, or the Cairo Economic Court where it has jurisdiction, unless:

• the parties agree to an alternative lawful resolution mechanism; or
• mandatory Egyptian law requires a different forum.

For Consumer complaints, Egyptian Consumers also retain the right to escalate to:

1. Egyptian Consumer Protection Agency (CPA): www.cpa.gov.eg — accepts complaints online, by phone (+202 19588), or in person.
2. Cairo Economic Court for disputes involving electronic commerce and digital platforms.
3. Central Bank of Egypt (CBE) for payment-related complaints where Tazbeat’s payment processor is involved.

Nothing in the Terms or these Conditions removes or reduces these escalation rights.

4. Governing Language

For all Egyptian users:

• The Arabic-language version of the Terms, Conditions, Privacy Policy, and this Addendum is the legally binding version.
• The English version is provided for convenience and information only.
• In the event of any conflict or ambiguity between the Arabic and English versions of any document, the Arabic text prevails for all purposes under Egyptian law.
• [Arabic translations must be completed by a qualified legal translator and published simultaneously with or before the Effective Date of these documents.]

5. Age of Majority and Contractual Capacity

In Egypt, the age of full legal contractual capacity is 18 years. You must be at least 18 years old to create an account, make a booking, list a service, or perform any other legally binding action on the Platform.

The Platform applies age-gates at account registration. If we discover that a user under 18 has registered, we will suspend the account and, where applicable, reverse any transactions.

6. Consumer Rights under Egyptian Law

6.1 Right to Accurate Information

Under Consumer Protection Law No. 67 of 2006 (as amended), Consumers are entitled to accurate, clear, and complete information about services and prices before entering into any transaction. Tazbeat requires Providers to maintain accurate listings. If you receive a service that materially differs from its listing, you may raise a complaint through the Platform or directly with the Egyptian CPA.

6.2 Right of Withdrawal / Cooling-Off Period

Where Egyptian CPL and its Executive Regulations grant a consumer a mandatory right of withdrawal from a distance-contracted service, that right is fully preserved and is not limited by the Standard Tazbeat Cancellation Policy in the Conditions.

• If a mandatory cooling-off period applies under Egyptian law to your specific service category, the withdrawal will be processed at no penalty and with a full refund as required by law.
• Tazbeat will publish service-category-specific cooling-off rules in-app as they are determined in consultation with Egyptian counsel.

6.3 Prohibition on Unfair Commercial Practices

Tazbeat prohibits its users from engaging in practices prohibited under the CPL, including misleading advertising, false reviews, deceptive pricing, and exploitative terms. Violations may result in account suspension and referral to the CPA.

6.4 Right to Complain

Egyptian Consumers may escalate unresolved complaints to the Egyptian Consumer Protection Agency (CPA) at any time. The CPA contact details are:

• Website: www.cpa.gov.eg
• Hotline: 19588
• Complaints may be filed online, by phone, or in person at CPA offices across Egypt.

7. Electronic Contracting under Egyptian Law

In accordance with Egyptian E-Signature and E-Commerce Law No. 15 of 2004:

1. Registering on the Platform and confirming your acceptance of the Terms constitutes a valid electronic offer and acceptance.
2. Booking confirmation (including the “Confirm Booking” / “Pay Now” action in the app) constitutes a binding electronic contract between the Consumer and the Provider.
3. Tazbeat transmits booking confirmation notices to both parties electronically, satisfying the notification requirement under Article 20 of Law 15/2004.
4. The Platform presents a clear “confirm” step before payment capture to allow you to review and correct booking details — this satisfies the error-correction requirement of Article 18 of Law 15/2004.

8. Payment Processors and CBE Compliance

8.1 Authorised Payment Processors

Payment services for Egyptian transactions are facilitated by:

All processors above are regulated by the Central Bank of Egypt (CBE) or the Financial Regulatory Authority (FRA) as applicable. BNPL products (valU, Shahry) are credit facilities governed by a separate credit agreement between the user and the BNPL provider; Tazbeat is not a party to those credit agreements.

8.2 Tazbeat’s Payment Role

[LEGAL DECISION REQUIRED: Confirm before launch whether Tazbeat acts as: (a) a payment technology layer only (with Paymob/Fawry as the regulated merchant of record), or (b) a licensed payment facilitator in its own right under CBE rules. This determination affects CBE licensing requirements, escrow handling, and VAT obligations. Engage Egyptian regulatory counsel before publishing this section.]

Pending that determination, Tazbeat confirms that:

• No raw card data is stored in Tazbeat’s own databases — all card credentials are tokenised and held by Paymob.
• Fawry cash transactions do not result in Tazbeat holding any funds directly.
• Escrow-held funds during the booking lifecycle are held in accordance with the payment processor’s licensed escrow or settlement mechanism.

8.3 Supported Payment Currencies

The primary transaction currency in Egypt is Egyptian Pound (EGP). Prices displayed in other currencies are for reference only; the EGP amount confirmed at checkout is the binding amount.

9. VAT and Tax Treatment in Egypt

9.1 Current Egyptian VAT Rate

The standard VAT rate in Egypt is 14% under Egyptian VAT Law No. 67 of 2016 and its executive regulations.

9.2 Provider VAT Obligations

Providers who are registered for VAT (or who meet the mandatory registration threshold) are solely responsible for:

• charging and collecting VAT on their services where required;
• issuing VAT-compliant tax invoices to Consumers;
• filing VAT returns with the Egyptian Tax Authority (ETA); and
• maintaining records as required by Egyptian tax law.

Tazbeat’s booking confirmation and payout statements are not tax invoices and do not replace the Provider’s obligation to issue compliant invoices.

9.3 VAT on Tazbeat’s Platform Fee

[LEGAL DECISION REQUIRED: Confirm whether Tazbeat's platform/service fee (currently 15% commission per ADR-020) is subject to VAT in Egypt. If Tazbeat is a B2B service provider to Providers, the 15% fee may attract 14% VAT. If Tazbeat is the merchant of record for the full transaction, it may be responsible for VAT on the booking amount. Engage Egyptian tax counsel before publishing.]

Pending that determination, Tazbeat will display any applicable VAT on its own fees transparently at checkout.

9.4 Consumer Responsibility

Consumers purchasing services from Providers are purchasing from the Provider, not from Tazbeat. Any VAT or invoice obligations arising from the service contract exist between the Consumer and the Provider.

10. Data Protection — PDPL Compliance

10.1 Legal Framework

Personal data of Egyptian users is processed in compliance with Egyptian Personal Data Protection Law No. 151 of 2020 (PDPL) and its Executive Regulations issued in 2023. The data controller is [Tazbeat legal entity name].

10.2 Consent and Processing

By creating an account or using the Platform, Egyptian users:

• consent to the processing of their personal data as described in the Privacy Policy;
• acknowledge that their personal data may be transferred outside Egypt where adequate safeguards are in place (see Privacy Policy §6); and
• are informed that Tazbeat may be required to disclose data to Egyptian authorities (including IDSC/NTRA, the Ministry of Interior, CBE, or courts) pursuant to a lawful and valid legal demand.

10.3 Data Subject Rights

Egyptian users may exercise their PDPL rights (access, correction, erasure, restriction, portability, objection) by contacting [privacy@tazbeat.com]. We will respond within 30 days; complex requests may take up to 60 days with prior notification.

10.4 Data Breach Notification

In the event of a personal data breach affecting Egyptian users that poses a risk to their rights and freedoms, Tazbeat will:

• notify the PDPL supervisory authority (currently IDSC/NTRA) within 72 hours of becoming aware;
• notify affected users without undue delay where required.

10.5 Supervisory Authority

The Egyptian data protection supervisory authority currently responsible for PDPL oversight is the Information and Decision Support Center (IDSC), [subject to final designation under PDPL implementing regulations]. Complaints may be directed to:

• IDSC website: www.idsc.gov.eg
• NTRA (for telecoms-related complaints): www.tra.gov.eg

11. Provider-Specific Requirements in Egypt

11.1 Commercial Licensing

Providers offering services commercially in Egypt are encouraged (and where legally required, must) hold:

• a valid commercial registration from the Egyptian General Authority for Investment and Free Zones (GAFI) or the relevant local authority, where applicable;
• any trade-specific licences or permits required by Egyptian law for their service category (e.g., electrical work, plumbing, gas work); and
• applicable social insurance registration where they employ workers.

Tazbeat does not verify commercial registration for all providers at launch but reserves the right to require documentation at any time.

11.2 Independent Contractor Status

Egyptian Labor Law No. 12 of 2003 protects workers in certain circumstances. Providers registered on Tazbeat are independent businesses or self-employed individuals, not employees. To preserve this independent status:

• Providers set their own prices, hours, and availability;
• Providers use their own tools, equipment, and materials (unless agreed otherwise in a listing);
• Providers may work simultaneously on other platforms or for direct clients; and
• Tazbeat does not control the method or manner of service delivery.

If you believe your Tazbeat arrangement should be characterised differently under Egyptian Labor Law, please consult an Egyptian labour law specialist.

11.3 Bank Account Verification for Payouts

Before receiving payouts in Egypt, Providers must:

• submit a valid Egyptian bank account (national bank or licensed private bank);
• complete micro-deposit verification or equivalent verification process as required by Tazbeat; and
• maintain a bank account in their own name (individual Providers) or in the entity’s registered name (business Providers).

Payouts are made in EGP to Egyptian bank accounts. Tazbeat does not currently support EGP payouts to digital wallets or mobile money accounts (this may change; users will be notified in-app).

12. Cancellation and Refund — Egypt-Specific Rules

The Standard Tazbeat Cancellation Policy in the Conditions applies to Egyptian bookings subject to the following:

1. Any mandatory right of withdrawal or refund under Egyptian Consumer Protection Law No. 67 of 2006 (CPL) and its Executive Regulations takes precedence over the Standard Policy.
2. Where a Consumer exercises a mandatory CPL withdrawal right, they will receive a full refund regardless of the Standard Policy timing windows.
3. For claims of Provider fault, Tazbeat will apply a case-by-case investigation consistent with CPL obligations on accurate service delivery.
4. The complaint window is 7 calendar days from the scheduled service date for general service complaints, and 14 calendar days for property damage claims, consistent with the Conditions.
5. Consumers may escalate unresolved refund disputes to the Egyptian Consumer Protection Agency if Tazbeat’s internal resolution is unsatisfactory.

13. Cybercrime and Platform Security

Egyptian users are subject to Cybercrime Law No. 175 of 2018. Use of the Platform in ways that constitute cybercrime offences under Egyptian law — including unauthorized access, data interception, fraud, impersonation, or circumvention of security systems — may result in account suspension and referral to Egyptian authorities.

14. Anti-Money Laundering (AML)

Tazbeat complies with applicable anti-money laundering obligations under Egyptian law and CBE AML regulations. We may:

• request additional identity verification documents from users where AML/KYC regulations require;
• delay or block transactions suspected of being connected to money laundering, terrorist financing, or sanctions violations;
• report suspicious activity to the Egyptian Money Laundering Combating Unit (EMLCU) as required by law.

15. Amendments to This Addendum

Tazbeat may update this Addendum to reflect changes in Egyptian law, regulatory guidance, or Platform operations. For material changes, we will provide at least 30 days’ advance notice via in-app notification or email.

16. Contact — Egypt

For Egypt-specific legal enquiries, consumer rights questions, or complaints:

Tazbeat — Egypt Operations
[Legal entity name]
[Registered address, Cairo, Arab Republic of Egypt]
Legal / Notices: [legal@tazbeat.com]
Support: [support@tazbeat.com]
Phone: [support phone]

Egyptian Consumer Protection Agency (third-party escalation):
Website: www.cpa.gov.eg
Hotline: 19588

Appendix A: Key Egyptian Laws Reference Table

This Addendum is a working draft. It must be reviewed by qualified Egyptian legal counsel before publication. Sections marked [LEGAL DECISION REQUIRED] contain open business and regulatory questions that must be resolved prior to the Egypt launch.

Status: Draft — pending qualified Egyptian legal-counsel review before publication
Version: 0.1
Last Revised: 2026-04-27
Effective Date: [TO BE FILLED — insert Egypt launch date]
Scope: All users with country of residence set to Egypt (EG) and all bookings where the service is performed in Egypt
Related Documents: Terms of Use (v0.2) · Booking and Service Conditions (v0.2) · Privacy Policy (v0.1)
Legal Contact: [legal@tazbeat.com]