1. Agreement to Terms

By accessing or using FiqhEngine ("Platform", "Service", "we", "us", "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service.

Important: These Terms constitute a legally binding agreement between you and FiqhEngine Ltd.

Platform Clarification: FiqhEngine is a workflow management platform and software tool. We do NOT provide Shariah advisory services. Your organization (advisory firm, bank, fund manager, sukuk issuer, takaful operator, or other financial institution) uses our platform to manage your own Shariah advisory and compliance workflows. All Shariah opinions, fatwas, and advisory services are provided by your organization's qualified scholars and consultants, not by FiqhEngine Ltd.

2. Definitions

"Platform": The FiqhEngine software and workflow management system
"Client" or "Institution": An organization using the Platform, including but not limited to: Shariah advisory firms, Islamic banks, fund managers, sukuk issuers, takaful operators, and other financial institutions requiring Shariah compliance management
"User": Any individual with an account on the Platform (including employees of Client organizations, consultants, or prospects)
"Prospect": A potential client organization that has submitted an engagement request to evaluate the Platform
"Consultant": A Shariah advisor, scholar, or compliance professional employed by or contracted to a Client organization who uses the Platform
"SSB": Shariah Supervisory Board members appointed by Client organizations
"Engagement": A project, product review, audit, or compliance workflow managed through the Platform
"Content": All information, data, documents, and materials uploaded to or created on the Platform by Users

3. Eligibility

You must be:

At least 18 years of age
Authorized to represent your organization (if applicable)
Capable of forming a binding contract under applicable law

By creating an account, you represent and warrant that you meet these requirements.

4. Account Creation and Security

4.1 Account Registration

When you create an account, you agree to:

Provide accurate, current, and complete information
Maintain and update your information to keep it accurate
Accept our Privacy Policy
Keep your password secure and confidential
Notify us immediately of any unauthorized access

4.2 Account Types

Prospect Accounts: Created when an organization submits an engagement request to evaluate the Platform. Limited access until subscription is confirmed.
Client/Institution Accounts: Full access to the Platform for managing Shariah advisory workflows, document sharing, and collaboration tools.
Consultant Accounts: Created by Client organizations for their Shariah advisors, scholars, and compliance professionals.

4.3 Account Termination

We reserve the right to suspend or terminate your account if you:

Violate these Terms
Provide false or misleading information
Engage in fraudulent or illegal activities
Fail to pay for services rendered

You may request account deletion at any time through your Privacy Dashboard, subject to our data retention obligations.

5. Platform Services

Important: FiqhEngine provides workflow management software only. We do NOT provide Shariah advisory services, fatwas, or compliance opinions. All such services are provided by your organization's qualified personnel.

5.1 Software and Platform Features

The Platform provides tools for:

Engagement and project management for Shariah compliance workflows
Secure document storage and sharing
Communication and collaboration between team members
Audit procedure tracking and documentation
Compliance reporting and record-keeping
Knowledge base management for research and fatwas
Transaction sampling and testing workflows
Product structure documentation and version control
AI-assisted analysis, report generation, and document processing

5.2 Use of Artificial Intelligence

The Platform incorporates artificial intelligence (AI) and machine learning technologies to assist with analysis, report generation, document processing, and other features.

By using the Platform, you acknowledge and agree that:

AI-generated content is provided as a tool to assist your organization's qualified personnel and does NOT constitute professional advice, Shariah opinions, or fatwas
All AI-generated analysis, reports, and suggestions must be reviewed, verified, and approved by qualified human professionals before being relied upon or shared with third parties
AI systems may produce errors, inaccuracies, hallucinations, or incomplete information
You are solely responsible for verifying the accuracy and appropriateness of any AI-generated content
FiqhEngine is not liable for any decisions made based on AI-generated content without proper human review and validation
AI models are trained on historical data and may not reflect the most current Shariah standards, regulations, or market conditions
You must not use AI-generated content as a substitute for qualified Shariah scholars' judgment and expertise

5.3 Client Responsibilities

Your organization is solely responsible for all Shariah advisory services, including:

Employing or contracting qualified Shariah scholars and advisors
Issuing fatwas, Shariah opinions, and compliance rulings
Conducting institutional audits and reviews
Ensuring compliance with applicable Shariah standards
Maintaining professional indemnity insurance for advisory services

5.4 Platform Availability

We strive to maintain 99.9% uptime but do not guarantee uninterrupted access. We are not liable for:

Scheduled maintenance downtime (with advance notice)
Force majeure events beyond our reasonable control
Third-party service provider outages
Internet connectivity issues

6. Fees and Payment

6.1 Subscription Fees

Platform subscription fees are agreed upon in individual Service Agreements
Payment terms are specified in each Service Agreement
Fees are typically billed monthly or annually in advance
Late payments may incur late payment penalties as specified in your Service Agreement
We reserve the right to suspend Platform access for non-payment after 30 days notice

6.2 Platform Access Tiers

Subscription tiers are based on number of users, storage, and features required
Prospect accounts have limited access for evaluation purposes
We reserve the right to modify pricing with 90 days advance notice to existing subscribers

6.3 Refund Policy

Subscription fees are non-refundable except where required by law. You may cancel your subscription at any time, effective at the end of the current billing period.

7. Intellectual Property

7.1 FiqhEngine IP

We retain all rights to:

The Platform and its underlying technology
FiqhEngine branding, logos, and trademarks
Research methodologies and frameworks
Template documents and forms

7.2 Client Content

You retain ownership of:

Documents and data you upload
Your organization's proprietary information
Product structures you develop

You grant us a limited license to use your Content solely to provide our services.

7.3 Derived Data

We may create anonymized, aggregated data from Client Content for industry research, service improvement, and market analysis. This Derived Data is our property and contains no personally identifiable information.

8. Confidentiality

8.1 Our Obligations

We will treat all Client information as confidential, implement appropriate security measures, limit access to authorized personnel only, and not disclose information without your consent (except as required by law).

8.2 Your Obligations

You agree to keep your account credentials confidential, not share access with unauthorized individuals, and protect sensitive documents uploaded to the Platform.

8.3 Exceptions

Confidentiality does not apply to information that is publicly available, was known to us before disclosure, is independently developed by us, or must be disclosed by law or regulation.

9. Prohibited Uses

You may not:

Use the Platform for illegal purposes
Upload malicious code or viruses
Attempt to breach security measures
Impersonate others or misrepresent your identity
Scrape or harvest data from the Platform
Interfere with other users' access
Reverse engineer the Platform
Use the Platform to compete with FiqhEngine

10. Disclaimers

10.1 Platform Availability

The Platform is provided "AS IS" and "AS AVAILABLE". We do not guarantee uninterrupted access, error-free operation, compatibility with all devices, or specific uptime percentages beyond what is specified in your Service Agreement.

10.2 No Advisory Services

FiqhEngine does NOT provide Shariah advisory services, fatwas, or compliance opinions. We provide software only.

All Shariah advisory services, opinions, fatwas, and compliance rulings are provided by your organization's qualified personnel. FiqhEngine is not responsible for:

The accuracy or validity of Shariah opinions issued by Users
Compliance with Shariah standards or regulatory requirements
Outcomes of audits, product approvals, or regulatory submissions
Commercial success or failure of products managed through the Platform
Decisions made by your organization based on data in the Platform

10.3 AI-Generated Content

AI-generated content is provided "AS IS" without warranties of any kind.

We specifically disclaim any warranties that AI-generated content:

Is accurate, complete, or error-free
Complies with current Shariah standards or regulatory requirements
Is suitable for any particular purpose or use case
Reflects the most current legal, regulatory, or market conditions
Is free from bias, hallucinations, or inappropriate content
Can be relied upon without independent verification by qualified professionals

You acknowledge that AI is a tool only and all final decisions, opinions, and advice must come from qualified human professionals.

10.4 Data Accuracy

You are responsible for the accuracy and completeness of all data entered into the Platform. We do not verify, validate, or endorse any Content uploaded by Users.

11. Limitation of Liability

11.1 Platform Liability

To the maximum extent permitted by law:

Our total liability for Platform defects or service interruptions shall not exceed the subscription fees paid in the 12 months prior to the claim
We are not liable for indirect, incidental, or consequential damages
We are not liable for loss of profits, data, or business opportunities
Force majeure events excuse performance

11.2 No Liability for AI-Generated Content

FiqhEngine has NO liability for any errors, inaccuracies, omissions, or inappropriate content in AI-generated analysis, reports, or suggestions.

We are specifically not liable for:

Decisions made based on AI-generated content without proper human review
Financial losses resulting from reliance on AI analysis or recommendations
Regulatory non-compliance due to AI-generated content errors
Reputational damage from AI-generated content that is inaccurate or inappropriate
AI hallucinations, biases, or outputs that do not align with Shariah principles
Any use of AI-generated content without verification by qualified professionals

11.3 No Liability for Advisory Services

FiqhEngine has NO liability for Shariah advisory services, opinions, fatwas, or compliance rulings, as we do not provide such services.

Your organization and its qualified personnel are solely responsible and liable for all advisory services provided using the Platform.

11.4 Exceptions

Nothing in these Terms limits liability for fraud, gross negligence, willful misconduct, or death/personal injury.

12. Indemnification

You agree to indemnify and hold harmless FiqhEngine, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from:

Your violation of these Terms
Your violation of applicable laws or regulations
Your infringement of third-party intellectual property rights
Your use or misuse of the Platform
Any Shariah advisory services, opinions, or fatwas provided by your organization or personnel
Any claims by third parties related to products or services managed through the Platform
Reliance on AI-generated content without proper verification by qualified professionals
Distribution or use of AI-generated content as final advice or opinions without human review
Any decisions made based on AI-generated analysis, reports, or suggestions
Data breaches caused by your security failures
Claims that AI-generated content caused financial loss, regulatory violations, or reputational damage

13. Data Protection

We process your personal data in accordance with our Privacy Policy and applicable data protection laws (UK GDPR, DIFC Data Protection Law).

Your rights include access to your data, rectification of inaccurate data, erasure (subject to legal obligations), data portability, and objection to processing. See our Privacy Policy for full details.

14. Modifications to Terms

We may update these Terms from time to time. We will notify you of material changes via email, post the updated Terms on the Platform, require re-acceptance for significant changes, and provide 30 days notice before changes take effect. Continued use after changes constitutes acceptance.

15. Governing Law and Dispute Resolution

15.1 Governing Law

These Terms are governed by the laws of England and Wales.

15.2 Dispute Resolution

In the event of a dispute:

Negotiation: Parties will attempt good-faith negotiation
Mediation: If negotiation fails, non-binding mediation
Arbitration: Binding arbitration under LCIA rules (London)
Jurisdiction: Courts of England and Wales (for non-arbitrable matters)

16. General Provisions

These Terms, together with our Privacy Policy and any Terms of Engagement, constitute the entire agreement. If any provision is found unenforceable, the remaining provisions remain in effect. Failure to enforce any right does not constitute a waiver. You may not assign these Terms without our written consent. Neither party is liable for delays caused by events beyond reasonable control.

17. Contact Information

For questions about these Terms:

FiqhEngine Ltd
128 City Road
London EC1V 2XN
United Kingdom

Email: legal@fiqhengine.com
Support: support@fiqhengine.com

18. Acknowledgment

By creating an account or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

Last Updated: January 12, 2026 | Version: 1.0