01 Who runs Starta Markets
Starta Markets (startamarkets.com) is operated by an individual merchant based in Egypt. It is a financial information and education service, not a company offering investment services. Contact: support@startamarkets.com.
Terms & Policies
Who runs Starta Markets, the terms for using it, how the optional paid pass and its refunds work, and how we handle your data — in one place.
Last updated: 23 October 2026
Terms of Service
02 Information only — no investment services
Starta Markets publishes information and educational content only. It is not a broker, dealer, investment adviser, portfolio or fund manager, or bank. Specifically, Starta Markets does not: give investment advice or personal recommendations; buy, sell or trade securities or fund units, or pass orders to anyone who does; or open investment accounts, or accept, hold, transfer or invest money or assets on anyone’s behalf. Subscriptions to and redemptions from a fund are made only with that fund’s manager or an authorised bank or distributor. The only payment Starta Markets accepts is the price of the optional Gold pass — a fee for data files, reports and support that is never invested, held or managed for you.
03 Acceptance of these terms
These terms govern your use of startamarkets.com and its apps: mutual-fund data, fund comparisons and scorecards, wealth calculators, the risk assessment, learning content and market news (together, the “Services”). By using the Services or creating an account you accept these terms together with the Refund & Exchange Policy and the Privacy Policy on this page. If you do not accept them, please do not use the Services.
04 Not investment advice
Starta Markets is a financial data platform. We are not a licensed financial advisor, broker or asset manager. Fund scorecards, calculated metrics (annualised returns, volatility, risk-adjusted measures, calculator projections), charts and comparisons are provided for education and information only. Nothing on the platform is a recommendation to subscribe to or redeem any fund. You are responsible for your own decisions, including reading the fund’s official prospectus before investing.
05 Accuracy of data
We publish officially reported fund prices (NAV) and market data, but we cannot guarantee that every figure is current, complete or uninterrupted. Documents published by the fund manager remain the authoritative reference. Starta Markets is not liable for investment losses caused by delays or errors in third-party data.
06 Your account
Give accurate details when you register and keep your password private; an account belongs to one person. We may suspend an account used to scrape the platform, abuse the Services or break the law. If that account holds a paid plan, any refund owed is handled under the Refund & Exchange Policy.
07 The optional paid pass
Everything on Starta Markets is free. An optional paid pass, the Gold pass, adds: downloads of any fund’s full NAV history; the all-funds workbook (every fund’s NAV, returns, fees and risk in one file, updated daily); downloads of the comparisons you build; a monthly email on how your saved funds performed; and priority support (a reply within 1 business day). It costs 69 EGP for 30 days, paid once and in advance; the price is shown in Egyptian pounds before you pay, and that is the amount charged. Payment is made by card on the secure checkout page of XPay, an Egyptian payment provider; Starta never sees or stores your card number. The pass does not renew automatically and no card is kept on file: it ends on its date unless you buy another 30 days. If the price changes, the new price applies only to passes bought after the change.
08 Intellectual property
The source code, design, algorithms, models, learning material and compiled datasets on startamarkets.com belong to Starta Markets and its licensors. Scraping, systematic reverse-engineering or republishing the platform’s outputs for commercial use is prohibited without written permission.
09 Limitation of liability
To the extent the law allows, Starta Markets and its operator are not liable for direct, indirect or consequential damages — including lost investment returns, invested capital or data — arising from using or being unable to use the platform. Nothing in these terms limits a right you have under Egyptian consumer protection law.
10 Changes to these terms
We may update these terms. The date at the top of this page shows the current version. A change never applies to a pass you have already paid for.
11 Governing law
These terms are governed by the laws of the Arab Republic of Egypt, including Consumer Protection Law No. 181 of 2018 and Personal Data Protection Law No. 151 of 2020. Disputes fall under the competent courts of Cairo. This does not affect your right to complain to Egypt’s Consumer Protection Agency.
12 Contact
Questions about these terms: support@startamarkets.com.
Refund & Exchange Policy
This policy covers what you pay Starta Markets for the Gold pass. It does not cover money you invest in a mutual fund: subscribing to or redeeming fund units is done with the fund’s manager or your bank, never through Starta, and those amounts are never paid to us.
01 What it covers
The Gold pass is a prepaid digital pass: 69 EGP for 30 days, paid by card on XPay’s secure checkout page. It never renews automatically. Your legal rights under Egypt’s Consumer Protection Law No. 181 of 2018 apply in full; where this policy is more generous than the law, this policy applies.
02 14 days to change your mind
You can withdraw from your first pass within 14 days of the payment and receive a full refund, without giving a reason. The pass ends when the refund is issued.
03 Buying more time
There is no automatic renewal. Each later purchase adds 30 days, and you can ask for a refund within 14 days of that payment: we refund the days you have not used, counted from the day you ask.
04 Nothing to cancel
The pass never renews, so there is nothing to cancel and you are never charged again unless you buy again. To stop early, ask for a refund under the rules above.
05 Exchange: switching plans
A digital pass cannot be returned like a product, so an exchange means moving to a different option when more than one is offered. Today there is a single pass. If a higher option is added, moving to it applies immediately and you pay only the difference for the days left.
06 Faults and billing errors — always refunded
A duplicate charge or a charge made in error is refunded in full, whenever you report it. If the paid features are unavailable for a significant time or is not as described, and we cannot fix it within a reasonable time, we refund the affected days — or the full payment if it never worked for you.
07 How to ask for a refund
Email support@startamarkets.com from the email on your account, with the date and amount of the charge (your payment receipt is enough). We reply within 2 business days.
08 When you receive the money
Approved refunds are issued within 7 days, in Egyptian pounds, to the card you paid with. Your bank may take a further 5–10 business days to show it. We charge no fee for a refund; any fee your own bank applied to the original payment is set by your bank.
09 What is not refundable
Payments more than 14 days old, except for faults, billing errors or where the law requires otherwise; and free or promotional periods, which have no cash value.
10 If we cannot agree
If you are not satisfied with our answer, you can complain to Egypt’s Consumer Protection Agency on its hotline 19588 or at cpa.gov.eg.
Privacy Policy
01 How we approach privacy
Financial decisions are personal. We collect only the data needed to publish mutual-fund data, run our comparison and calculator tools, deliver learning and news content, and operate your account and the optional paid pass.
02 Where your inputs are kept
Calculator inputs, funds you pick for comparison and risk-assessment answers are kept in your browser (localStorage / IndexedDB) by default. They reach our servers only when you sign in and choose to save them to your account.
03 How tool inputs are processed
What you type into our calculators, fund filters and risk assessment is processed to produce your on-screen result and is anonymised before any aggregate analysis. We never sell these inputs and do not use them to train external models.
04 Information we collect
On public pages we collect standard analytics: your settings (language 'starta-lang', colour scheme 'theme'), anonymous device information and session logs. To understand how the site is used we rely on Google Analytics 4 (visits, traffic sources, and which pages, funds and tools are used), Microsoft Clarity (heatmaps and session recordings with personal details masked) and Hotjar (feedback and usage insights). These services set analytics cookies (for example _ga, _clck, _clsk, _hj). We never send them your name, email, phone number, passwords or any balance; a signed-in visit is linked only through a one-way pseudonymous code. Visitors in the EU, UK and Switzerland are asked before any of this loads, and anyone can accept or refuse at any time: .
05 Payments
Card payments for the Gold pass are made on XPay’s own secure page, which receives your card details directly. Starta never receives or stores your card number; we keep only your pass, its dates and XPay’s payment reference, so we can show your pass and handle refunds. While a pass is active, we use your saved funds and your account email to send the monthly report.
06 Egyptian data protection law
We process personal data in line with Egypt’s Personal Data Protection Law (Law No. 151 of 2020) and international standards such as the GDPR, with technical and administrative controls against unauthorised access, leakage or modification.
07 We do not sell your data
Your fund comparisons, risk profile and learning progress are never sold, rented or passed to advertisers or brokers.
08 Contact
For privacy requests — including a copy or deletion of your data — email privacy@startamarkets.com.