1. Acceptance of Terms
These Terms and Conditions (“Terms”) govern your access to and use of the website located at https://shariaadvisor.ae/ (the “Website”), operated under the brand name Sharia Advisor (“we”, “us”, or “our”).
By accessing, browsing, or using this Website in any manner, you acknowledge that you have read, understood, and agree to be legally bound by these Terms, as well as all applicable laws and regulations of the United Arab Emirates. If you do not agree to these Terms, you must immediately discontinue use of the Website.
2. Nature of the Platform and Scope of Services
Sharia Advisor is an educational and informational platform only.
The Website is designed to provide:
- General educational content relating to investing principles.
- High-level explanations of Shariah-aligned investing concepts.
- Educational frameworks based on personal experience and market study.
- Access to educational sessions, webinars, and downloadable materials.
The Website does not:
- Provide personalized investment advice.
- Act as an investment adviser or asset manager.
- Execute or facilitate investment transactions.
- Solicit investments or capital.
- Provide Shariah rulings, fatwas, or religious verdicts.
Any regulated financial or advisory services are offered separately through licensed entities and are governed exclusively by a signed Investment Management Agreement or other legally binding documentation.
3. No Investment Advice and No Shariah Rulings
- All content made available on this Website is provided solely for educational and informational purposes.
- Nothing on this Website constitutes, or should be construed as:
- Investment advice or a financial recommendation.
- A solicitation or offer to buy or sell securities or financial instruments.
- Portfolio management, wealth management, or advisory services.
- A Shariah ruling or religious determination.
You acknowledge and agree that:
- Investment decisions should be made only after consulting licensed financial professionals
- Matters of Islamic jurisprudence should be reviewed with qualified Shariah scholars
- You bear full responsibility for any decisions made based on information obtained from the Website
4. Risk Disclosure and No Guarantees
Investing involves significant risk, including the potential loss of capital.
By using this Website, you expressly acknowledge that:
- No guarantees of performance or returns are made
- Past performance does not guarantee future results
- Market conditions are unpredictable and subject to change
- Any examples, models, or frameworks presented are illustrative only
Sharia Advisor makes no representations regarding the suitability of any investment strategy for any individual.
5. Intellectual Property Rights
All content on this Website, including but not limited to text, graphics, educational frameworks, methodologies, downloadable materials, videos, logos, and branding, is the intellectual property of Sharia Advisor or its licensors and is protected under applicable intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to access and use the Website content for personal, non-commercial purposes only.
You may not:
- Reproduce, distribute, or republish Website content
- Modify or create derivative works
- Use content for commercial or promotional purposes
- Misrspresent the origin or ownership of materials
Any unauthorized use may result in legal action.
6. User Responsibilities and Acceptable Use
By using this Website, you agree not to:
- Use the Website for unlawful or misleading purposes
- Attempt unauthorized access to systems or data
- Interfere with Website functionality or security
- Misrepresent educational content as advice or rulings
- Infringe intellectual property or privacy rights
We reserve the right to restrict or terminate access if misuse is identified.
7. Third-Party Websites and External Links
The Website may include links to third-party websites or services for informational purposes.
Sharia Advisor does not control, endorse, or assume responsibility for:
- The content or accuracy of third-party websites
- Their terms, privacy practices, or services
Accessing third-party sites is done entirely at your own risk.
8. Disclaimer of Warranties and Limitation of Liability
The Website and all content are provided on an “as is” and “as available” basis.
To the fullest extent permitted by UAE law:
- No warranties are made regarding accuracy, completeness, or reliability
- Sharia Advisor disclaims all liability for losses arising from Website use
This includes, without limitation:
- Financial loss or loss of capital
- Loss of opportunity or business
- Data loss or system failure
- Reputational or indirect damages
9. Suspension and Termination
We reserve the right to suspend or terminate access to the Website, without notice, if these Terms are breached or if continued access poses legal or operational risk.
10. Governing Law and Jurisdiction
These Terms are governed by and construed in accordance with the laws of the United Arab Emirates. Any disputes shall be subject to the exclusive jurisdiction of the UAE courts.
11. Contact Information
For inquiries regarding these Terms:
📧 [email protected]
1. Introduction
Sharia Advisor is committed to protecting your privacy and handling personal data responsibly in accordance with applicable UAE data protection laws and internationally accepted privacy standards.
This Privacy Policy explains how personal data is collected, used, stored, and disclosed when you access or interact with https://shariaadvisor.ae/.
2. Personal Data We Collect
Information Provided Directly
You may voluntarily provide personal data when:
- Registering for educational sessions or downloads
- Subscribing to communications
- Contacting us via forms or email
This may include your name, email address, and contact details.
Automatically Collected Information
- When you access the Website, certain technical information may be collected automatically, including:
- IP address
- Browser and device type
- Usage data and navigation patterns
- Referral and analytics data
3. Purpose and Use of Personal Data
Personal data is collected and processed for the following purposes:
- Delivering educational materials and communications
- Managing registrations and access to content
- Improving Website functionality and performance
- Conducting analytics and internal reporting
- Complying with legal and regulatory obligations
4. Legal Basis for Processing
Personal data is processed based on:
- User consent
- Legitimate business interests in operating an educational platform
- Compliance with applicable legal obligations
5. Cookies and Analytics
The Website may use cookies and similar tracking technologies to enhance user experience and analyze usage patterns. You may manage cookie preferences through your browser settings.
6. Disclosure of Personal Data
Personal data may be shared with:
- Technology and hosting providers
- Email and analytics service providers
- Professional advisers and regulators where legally required
We do not sell or rent personal data.
7. Data Security Measures
Reasonable technical and organizational measures are implemented to safeguard personal data. However, no electronic transmission or storage system is completely secure.
8. Data Retention
Personal data is retained only for as long as necessary to fulfill the purposes outlined in this Policy or to comply with legal requirements. Data is securely deleted or anonymized when no longer required.
9. Children’s Data
This Website is not intended for individuals under the age of 18. We do not knowingly collect personal data from minors.
10. Your Rights
Subject to applicable law, you may request:
- Access to personal data
- Correction of inaccuracies
- Withdrawal of consent
- Deletion of data where permitted
Requests may be submitted via the contact details below.
11. Business Transfers
In the event of a merger, restructuring, or asset transfer, personal data may be transferred as part of the business, subject to this Privacy Policy.
12. Changes to This Policy
This Privacy Policy may be updated periodically. Updates will be published on this page with a revised date.
13. Contact Information
For privacy-related questions or requests:
📧 [email protected]