Terms & Conditions

1. Introduction and Acceptance

Welcome to Deenari. These Terms and Conditions ("Terms") govern your access to and use of the Deenari platform, available at https://deenari.app (the "Platform"), including all related services, features, content, and applications offered by Deenari (collectively, the "Service").

By accessing or using the Service, creating an account, or clicking "I agree" or any similar button or checkbox presented with these Terms, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.

We reserve the right to update, modify, or replace any part of these Terms at our sole discretion. We will notify you of any material changes by posting the updated Terms on the Platform and updating the "Last updated" date at the top of this page. Where changes are significant, we will make reasonable efforts to notify you via email or through a prominent notice on the Platform. Your continued use of the Service after any such changes constitutes your acceptance of the revised Terms.

It is your responsibility to review these Terms periodically. If you do not agree to the modified Terms, you should discontinue your use of the Service immediately.

2. Definitions

In these Terms, the following definitions apply:

"Deenari", "we", "us", or "our" refers to Deenari, a sole trader business operating under the name Deenari (to be registered as Deenari Ltd when applicable), based in the United Kingdom.
"User", "you", or "your" refers to any individual who accesses or uses the Service, whether as a registered account holder or as a visitor.
"Service" refers to the entirety of what Deenari provides, including but not limited to the Platform, all tools, calculators, AI-powered features, educational content, and any associated applications or services.
"Platform" refers to the Deenari website located at https://deenari.app, including all subdomains and related web properties.
"AI Advisor" refers to the artificial intelligence-powered financial guidance feature within the Service that uses large language models to provide educational information and general guidance on Islamic financial topics.
"Premium" or "Premium Subscription" refers to the paid tier of the Service that unlocks additional features beyond those available in the Free Tier.
"Free Tier" refers to the no-cost tier of the Service that provides access to basic features including the zakat calculator and limited AI Advisor usage.
"Content" refers to all text, data, information, graphics, audio, video, calculations, AI-generated responses, educational materials, and any other materials made available through the Service.

3. Eligibility

To use the Service, you must be at least eighteen (18) years of age. By using the Service and agreeing to these Terms, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement.

The Service is initially designed for and targeted at users who are legal residents of the United Kingdom. While the Service may be accessible from other jurisdictions, certain features (including but not limited to halal mortgage comparisons, pension screening, and UK-specific tax references) are tailored to the UK market and may not be applicable or accurate for users in other countries.

You agree to provide accurate, current, and complete information when creating an account or using any feature of the Service. You must not provide false, misleading, or fraudulent information. Providing inaccurate information may result in incorrect calculations, and Deenari shall not be held liable for any consequences arising from user-provided data that is inaccurate or incomplete.

Each individual may maintain only one (1) account on the Platform. Creating multiple accounts for the purpose of circumventing usage limits, exploiting promotional offers, or any other reason is strictly prohibited and may result in the termination of all associated accounts.

4. Account Registration and Security

To access certain features of the Service, you may be required to create an account. When registering, you must provide accurate and complete information, including a valid email address. You agree to keep your account information up to date at all times.

You are solely responsible for maintaining the confidentiality and security of your account credentials, including your password. You agree not to share your account credentials with any third party. Any activity that occurs under your account is your responsibility, whether or not you authorised such activity.

You must notify us immediately at hello@deenari.app if you become aware of or suspect any unauthorised access to or use of your account. We will not be liable for any loss or damage arising from your failure to maintain the security of your account credentials.

We reserve the right to suspend, disable, or terminate your account at any time if we reasonably believe that you have violated these Terms, engaged in fraudulent or unlawful activity, or if your account poses a security risk to the Service or other users.

Account sharing is not permitted. Your account is personal to you and may not be transferred to or used by any other individual. If we detect that an account is being shared among multiple individuals, we may suspend or terminate the account without prior notice.

5. Description of Service

Deenari is an AI-powered Islamic financial life planning platform. The Service provides a suite of tools and resources designed to help Muslim individuals understand, manage, and plan their finances in accordance with Islamic principles. The Service includes, but is not limited to, the following features:

Zakat Calculator: A comprehensive calculator that computes zakat obligations across multiple asset classes including cash, savings, gold, silver, stocks, cryptocurrency, business inventory, rental income, agricultural produce, and retirement accounts. The calculator applies established fiqh methodologies and supports multiple madhabs.
AI Advisor: An artificial intelligence-powered conversational tool that provides educational guidance on Islamic financial topics, answers questions related to zakat, inheritance, halal investing, and other Shariah-compliant financial matters.
Inheritance Planning (Faraid): A tool for calculating Islamic inheritance shares based on the rules of faraid, including identification of heirs, application of blocking rules, and distribution of fixed shares and residual estate.
Halal Mortgage Comparison: A comparison tool that presents information about Shariah-compliant home financing options available in the UK market, including diminishing musharakah products.
Pension Screening: A screening tool that analyses pension funds and providers against Shariah compliance criteria and suggests halal alternatives where applicable.
Financial Goal Tracking: Tools for setting and tracking Islamic financial goals including Hajj and Umrah savings, debt elimination plans, and other Shariah-compliant financial objectives.
Educational Content: Articles, guides, and resources on Islamic finance topics including zakat, inheritance, halal investing, Islamic mortgages, and general financial literacy from an Islamic perspective.

The availability of specific features may vary depending on your subscription tier and geographic location. We reserve the right to add, modify, or remove features at any time, subject to the terms set out in Section 13.

6. Critical Disclaimers

This section contains important disclaimers that affect your rights and our obligations. Please read this section carefully before using the Service.

6.1 Not Financial Advice

Deenari provides educational information and tools to help you understand Islamic financial principles. The Service does NOT constitute financial advice, investment advice, tax advice, or any other form of professional financial guidance.

Deenari is NOT authorised or regulated by the Financial Conduct Authority (FCA) or any other financial regulatory body. We do not hold any FCA permissions and we are not a registered financial adviser, investment manager, or broker.

The information, calculations, and guidance provided through the Service are for educational and informational purposes only. They should not be relied upon as a substitute for professional financial advice tailored to your individual circumstances. Before making any financial decisions, including but not limited to decisions about investments, mortgages, pensions, tax planning, or wealth management, you should consult a qualified, FCA-regulated financial adviser.

Deenari does not recommend, endorse, or advise on any specific financial products, investments, or transactions. Any information about financial products displayed on the Platform is presented for educational comparison purposes only.

6.2 Not Religious Rulings (Fatwa)

The Service provides educational guidance on Islamic financial principles. The information, calculations, and AI-generated responses provided through the Service are NOT fatwas, religious rulings, or binding religious opinions.

Responses provided by the AI Advisor are based on general scholarly positions and established fiqh methodologies. They do not constitute personalised religious rulings tailored to your specific circumstances. Different scholars and different madhabs (schools of Islamic jurisprudence) may hold different positions on specific issues, and the information provided by Deenari may not reflect the position of your preferred scholar or madhab.

For matters requiring a personalised religious ruling, you should consult a qualified mufti or Islamic scholar who can consider your individual circumstances and provide guidance accordingly. Deenari does not employ muftis, scholars, or individuals qualified to issue fatwas.

While we make reasonable efforts to ensure that the Islamic principles referenced in the Service are sourced from recognised scholarly works and mainstream fiqh positions, we do not guarantee the completeness or correctness of any religious information presented. Islam is a rich tradition with diverse scholarly opinions, and users are encouraged to seek knowledge from multiple qualified sources.

6.3 Calculation Accuracy

The calculations provided by the Service, including zakat calculations, inheritance distributions, and mortgage comparisons, are based on established Islamic jurisprudential methodologies and standard financial formulas. However, these calculations are only as accurate as the data you provide.

Deenari makes reasonable efforts to ensure the accuracy and reliability of its calculation engines. However, we do not guarantee that calculations will be free from errors, and we accept no liability for any inaccuracies in calculations resulting from software bugs, incorrect user input, outdated data, or changes in applicable rules or methodologies.

Live market data, including gold and silver prices used for nisab calculations, may be subject to delays, inaccuracies, or temporary unavailability. Prices displayed on the Platform may differ from actual market prices at the time of your transaction or calculation. You should verify current market prices from authoritative sources before relying on calculations that depend on live pricing data.

We strongly recommend that you verify all calculations with a qualified Islamic scholar or financial professional, particularly for significant financial obligations such as zakat payments and inheritance distributions.

6.4 AI Advisor Limitations

The AI Advisor feature is powered by Claude, a large language model developed by Anthropic. While the AI Advisor is designed to provide helpful and informative responses on Islamic financial topics, you should be aware of the following important limitations:

AI-generated responses may be inaccurate, incomplete, outdated, or misleading. Large language models can produce plausible-sounding but incorrect information, a phenomenon sometimes referred to as "hallucination."
The AI Advisor does NOT provide professional financial advice, tax advice, legal advice, or religious rulings. Its responses are for educational and informational purposes only.
AI-generated responses should not be the sole basis for any financial, legal, or religious decision. You should always verify information with qualified professionals.
Deenari does not guarantee the accuracy, completeness, reliability, or timeliness of any AI-generated content. The AI model's training data has a knowledge cutoff date and may not reflect the most recent developments in Islamic finance, financial regulations, or market conditions.
The AI Advisor may not be aware of your complete financial situation, local regulations, or personal circumstances, and therefore its responses may not be appropriate for your specific situation.

6.5 Third-Party Products

The Service may display information about financial products and services offered by third-party providers, including but not limited to halal mortgage providers, pension providers, investment platforms, and takaful (Islamic insurance) providers.

The display of third-party products on the Platform does not constitute an endorsement, recommendation, or guarantee by Deenari. We do not vouch for the Shariah compliance, financial soundness, or suitability of any third-party product or provider.

Deenari may receive referral commissions or affiliate fees from third-party providers when users click on links or sign up for products through the Platform. Where such commercial relationships exist, they will be clearly disclosed. Please refer to Section 15 (Affiliate Disclosure) for further details.

It is your sole responsibility to conduct your own due diligence before purchasing, subscribing to, or entering into any agreement with a third-party provider. Deenari is not a party to any transaction between you and a third-party provider and shall not be responsible or liable for any aspect of such transactions, including product quality, delivery, compliance, or dispute resolution.

7. Subscription Terms

7.1 Free Tier

Deenari offers a Free Tier that provides access to basic features of the Service at no cost. The Free Tier currently includes:

Access to the basic zakat calculator with full calculation capabilities
Up to three (3) AI Advisor messages per calendar month
Access to limited educational content and resources

The features and usage limits of the Free Tier may change at our discretion. We will provide reasonable notice of any significant changes to the Free Tier. The zakat calculator is a core feature of the Free Tier and will remain freely accessible.

7.2 Premium Subscription

The Premium Subscription unlocks the full capabilities of the Service. The Premium Subscription is available at the following prices:

Monthly plan: £9.99 per month
Annual plan: £79.99 per year (equivalent to approximately £6.67 per month)

All prices are inclusive of VAT at the applicable rate. Premium features include, but are not limited to: unlimited AI Advisor messages, inheritance planning (faraid), pension screening, halal mortgage comparison tools, PDF report exports, and all future premium features added to the Service.

We reserve the right to change subscription prices at any time. If we increase prices, we will provide you with at least thirty (30) days' prior notice before the new prices take effect. Your continued subscription after the price change takes effect constitutes your acceptance of the new pricing. If you do not agree to the price change, you may cancel your subscription before the new prices take effect.

7.3 Billing

All payments are processed securely through Stripe, our third-party payment processor. By subscribing to the Premium plan, you authorise Stripe to charge your designated payment method on a recurring basis (monthly or annually, depending on your selected plan).

Your subscription will automatically renew at the end of each billing cycle unless you cancel it before the renewal date. You may cancel your subscription at any time through your account settings or by contacting us at hello@deenari.app. Upon cancellation, you will retain access to Premium features until the end of your current billing period. No partial or pro-rated refunds will be issued for unused portions of a billing period, except where required by applicable UK consumer law (see Section 16).

If a payment fails, we will provide a grace period of seven (7) days during which you may update your payment information. If payment is not received within the grace period, your account will be downgraded to the Free Tier. We may attempt to retry failed payments during the grace period.

7.4 Free Trial

From time to time, we may offer free trial periods for the Premium Subscription. If you sign up for a free trial, you will have access to Premium features for the duration of the trial period at no charge.

At the end of the free trial period, your subscription will automatically convert to a paid Premium Subscription at the then-current price, unless you cancel before the trial period ends. We will send you a notification before your trial ends to remind you of the upcoming conversion to a paid subscription.

Free trial eligibility is limited to one trial per person. We reserve the right to determine eligibility for free trials and to withdraw or modify trial offers at any time.

8. User Conduct

When using the Service, you agree to conduct yourself in a manner that is lawful, ethical, and respectful. You must NOT:

Provide false, misleading, or fraudulent information when registering for an account or using any feature of the Service.
Use the Service for any unlawful purpose or in violation of any applicable local, national, or international law or regulation.
Attempt to gain unauthorised access to any part of the Service, other users' accounts, or any systems or networks connected to the Service.
Use automated bots, scrapers, crawlers, or other automated means to access the Service, extract data, or interact with the AI Advisor without our prior written consent.
Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service, its algorithms, or its proprietary technologies.
Redistribute, republish, sublicence, or commercially exploit any Content obtained from the Service without our prior written consent.
Use the AI Advisor, its responses, or any other aspect of the Service to develop, train, or improve a competing product or service.
Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
Upload, transmit, or distribute any viruses, malware, worms, Trojan horses, or other malicious code that may harm the Service or its users.
Interfere with or disrupt the integrity or performance of the Service, its servers, or networks connected to the Service.
Circumvent, disable, or otherwise interfere with security-related features of the Service, including features that prevent or restrict the use or copying of Content.

We reserve the right to investigate and take appropriate action against anyone who, in our sole discretion, violates this section, including but not limited to removing Content, suspending or terminating accounts, and reporting violations to law enforcement authorities.

9. Intellectual Property

9.1 Our Intellectual Property

The Service and all of its components, including but not limited to the Deenari name, logo, trademarks, visual design, user interface, layout, algorithms, calculation engines, AI prompts, source code, software, databases, blog content, educational materials, and all other intellectual property, are owned by or licensed to Deenari and are protected by copyright, trademark, and other intellectual property laws of England and Wales and international treaties.

No part of the Service may be reproduced, distributed, modified, adapted, displayed, published, transmitted, or otherwise exploited in any form or by any means without our prior written permission. All rights not expressly granted in these Terms are reserved by Deenari.

The Deenari name and logo are unregistered trademarks of Deenari. You may not use our name, logo, or branding in any manner that suggests endorsement, affiliation, or sponsorship without our prior written consent.

9.2 User Data

You retain full ownership of all data and information that you submit to the Service, including financial data, personal information, and calculation inputs ("User Data"). By using the Service, you grant Deenari a limited, non-exclusive, non-transferable licence to process, store, and use your User Data solely for the purpose of providing and improving the Service.

This licence terminates when you delete your account or request deletion of your User Data, subject to any retention periods required by applicable law or described in our Privacy Policy. For more information about how we handle your data, please refer to our Privacy Policy.

9.3 AI-Generated Content

Content generated by the AI Advisor in response to your queries is provided for your personal, non-commercial use. You may save, copy, print, or reference AI-generated responses for your personal financial planning and educational purposes.

You may not systematically or bulk-extract AI-generated content for the purpose of creating, training, or enhancing a competing product, database, or service. Any such use constitutes a material breach of these Terms and may result in immediate account termination and legal action.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Deenari's total aggregate liability to you for all claims arising out of or relating to the Service or these Terms shall not exceed the greater of: (a) the total amount paid by you to Deenari in the twelve (12) months immediately preceding the event giving rise to the claim; or (b) one hundred pounds sterling (£100).

To the maximum extent permitted by applicable law, Deenari shall NOT be liable for:

Any financial losses, damages, or adverse consequences resulting from reliance on calculations, AI-generated content, or any other information provided by the Service.
Any losses arising from inaccurate, incomplete, or misleading data provided by you to the Service.
Any losses arising from decisions you make based on information from the Service without obtaining independent professional advice from a qualified financial adviser, tax adviser, or Islamic scholar.
Any losses, damages, or disputes arising from your use of or interactions with third-party products, services, or providers referenced on the Platform.
Any losses arising from unauthorised access to your account due to your failure to maintain the security of your credentials.
Any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of revenue, loss of data, loss of goodwill, or loss of business opportunity, regardless of the cause of action or the theory of liability, even if Deenari has been advised of the possibility of such damages.

Nothing in these Terms shall exclude or limit our liability for:

Death or personal injury caused by our negligence.
Fraud or fraudulent misrepresentation.
Any other liability that cannot be excluded or limited under the laws of England and Wales.

The Service is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, Deenari disclaims all warranties, whether express, implied, statutory, or otherwise, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

11. Indemnification

You agree to indemnify, defend, and hold harmless Deenari, its owner, affiliates, contractors, and their respective officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to:

Your breach of these Terms or any provision herein.
Your misuse of the Service or any feature thereof.
Any inaccurate, false, or misleading information provided by you through the Service.
Your reliance on information provided by the Service without obtaining independent professional advice from a qualified financial adviser, tax adviser, or Islamic scholar.
Your violation of any applicable law, regulation, or third-party right in connection with your use of the Service.

This indemnification obligation shall survive the termination of your account and these Terms.

12. Dispute Resolution

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales.

In the event of any dispute arising from or relating to these Terms or the Service, you agree to first attempt to resolve the dispute informally by contacting us at hello@deenari.app. We will make reasonable efforts to resolve any dispute through good-faith negotiation within thirty (30) days of receiving your written notice of dispute.

If the dispute cannot be resolved informally within thirty (30) days, either party may commence formal proceedings. Both parties agree to submit to the exclusive jurisdiction of the courts of England and Wales.

Nothing in this section shall affect your statutory rights as a consumer under the laws of England and Wales, including your right to bring proceedings in the courts of the jurisdiction where you are domiciled. Your statutory consumer rights are preserved in full and are not limited by this dispute resolution process.

13. Service Availability and Modifications

We strive to maintain the availability of the Service at all times. However, we do not guarantee that the Service will be available on an uninterrupted, timely, secure, or error-free basis. The Service may be subject to limitations, delays, and other problems inherent in the use of the internet and electronic communications.

We reserve the right to modify, suspend, or discontinue any part of the Service (including any features, functionality, or Content) at any time, with or without notice. Where practicable, we will provide reasonable advance notice of any significant modifications or discontinuations, particularly those affecting Premium subscribers.

From time to time, the Service may be unavailable due to scheduled maintenance, updates, or other planned work. We will endeavour to perform scheduled maintenance during off-peak hours and to provide advance notice where possible.

Deenari shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service, or for any interruption, delay, or unavailability of the Service, whether planned or unplanned, except where we have specific obligations to Premium subscribers under applicable consumer law.

14. Termination

You may terminate your account and these Terms at any time by deleting your account through your account settings on the Platform, or by contacting us at hello@deenari.app to request account deletion.

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, if we determine in our reasonable discretion that you have violated these Terms, engaged in conduct that is harmful to the Service or other users, or if we are required to do so by law.

Upon termination of your account, whether by you or by us:

Your right to access and use the Service will cease immediately (or, if you have cancelled a Premium Subscription, at the end of your current billing period).
Your User Data will be deleted in accordance with our Privacy Policy and applicable data protection laws. Certain data may be retained as required by law or for legitimate business purposes as described in our Privacy Policy.
Any active Premium Subscription will be cancelled. No refunds will be issued for the remaining unused portion of any prepaid subscription period, except where required by applicable UK consumer law.
You will lose access to all Premium features and any saved data, calculations, or reports associated with your account.

The following sections of these Terms shall survive termination: Section 6 (Critical Disclaimers), Section 9 (Intellectual Property), Section 10 (Limitation of Liability), Section 11 (Indemnification), Section 12 (Dispute Resolution), and any other provisions that by their nature should survive termination.

15. Affiliate Disclosure

Deenari may earn referral commissions or affiliate fees from third-party financial product and service providers. These may include, but are not limited to:

Halal mortgage providers: commissions earned when users are referred to Shariah-compliant home financing providers.
Investment platforms: sign-up commissions earned when users register for halal investment services through the Platform.
Pension providers: referral fees earned when users switch to Shariah-compliant pension products through the Platform.
Takaful (Islamic insurance) providers: commissions earned when users purchase takaful products through the Platform.

The existence of affiliate relationships does NOT influence the calculations, AI Advisor responses, educational content, or any other aspect of the Service. Our zakat calculations, inheritance distributions, and other tools operate on objective, rules-based methodologies that are entirely independent of any commercial relationships.

Where affiliate links or referral relationships exist, they will be clearly disclosed on the relevant pages of the Platform. You are under no obligation to use any affiliate link or purchase any third-party product through the Platform. Using our affiliate links does not affect the price you pay for any product or service.

16. UK Consumer Rights

If you are a consumer in the United Kingdom, you have certain statutory rights that cannot be excluded or limited by these Terms. Nothing in these Terms affects your statutory rights as a consumer. In the event of any conflict between these Terms and your statutory consumer rights, your statutory rights shall prevail.

Under the Consumer Rights Act 2015, digital content and services must be provided with reasonable care and skill, be as described, and be fit for purpose. If the Service does not meet these standards, you may be entitled to a remedy including a repeat performance of the service or a price reduction.

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, if you purchased a Premium Subscription online, you have the right to cancel your subscription within fourteen (14) days of purchase without giving any reason (the "cooling-off period"). To exercise this right, you must inform us of your decision to cancel by contacting us at hello@deenari.app within the 14-day cooling-off period. If you have used the Service during the cooling-off period, you may be required to pay for the service provided up to the point of cancellation.

For any questions about your consumer rights or to exercise any of the rights described above, please contact us at hello@deenari.app.

17. Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, unlawful, or unenforceable, that provision shall be deemed severed from these Terms and shall not affect the validity, legality, or enforceability of the remaining provisions, which shall continue in full force and effect.

Where possible, the unenforceable provision shall be modified to the minimum extent necessary to make it valid, lawful, and enforceable while preserving the original intent of the parties.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Deenari with respect to your access to and use of the Service. They supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the Service.

No failure or delay by Deenari in exercising any right, power, or remedy under these Terms shall operate as a waiver of that right, power, or remedy. No single or partial exercise of any right, power, or remedy shall preclude any other or further exercise thereof or the exercise of any other right, power, or remedy.

19. Contact

If you have any questions, concerns, or complaints about these Terms or the Service, please contact us at:

Email: hello@deenari.app

Business name: Deenari

Location: United Kingdom

We will endeavour to respond to all enquiries within a reasonable timeframe. For urgent matters, please indicate the urgency in your email subject line.

Deenari provides educational information to help you understand Islamic financial principles. This is not financial advice, tax advice, or a fatwa. Always consult a qualified scholar for personal rulings and a regulated financial adviser for investment decisions.