Nuqsaf Terms and Conditions

Welcome to Nuqsaf! By using our services, you agree to be bound by the following terms and conditions. Please read them carefully.

1. Introduction

These Terms and Conditions (“Terms”) govern your use of the Nuqsaf website, products, and services (collectively, the “Services”). By accessing or using the Services, you agree to comply with and be bound by these Terms.

Nuqsaf reserves the right to modify these Terms at any time, with or without prior notice. Your continued use of the Services after any changes constitutes your acceptance of the revised Terms.

2. Eligibility

By using the Nuqsaf platform, you represent and warrant that:

• You are at least 18 years old and legally capable of entering into a binding contract.
• You are using Nuqsaf’s services for lawful purposes and in compliance with all applicable laws, including Islamic financial principles.

3. Account Registration

To access certain features of the Services, you may be required to create an account. When registering for an account, you agree to:

• Provide accurate, complete, and current information.
• Maintain the security of your account, including protecting your password.
• Accept responsibility for all activities that occur under your account.
• Notify Nuqsaf immediately of any unauthorized use of your account or breach of security.

Nuqsaf reserves the right to suspend or terminate your account at its sole discretion, with or without notice, for any violation of these Terms or applicable law.

4. Shariah-Compliant Financial Services

Nuqsaf provides services that adhere to Islamic financial principles, including:

• Riba-free transactions (interest-free).
• Halal investment opportunities.
• Shariah-compliant transfers and invoicing.

By using our services, you acknowledge and agree that Nuqsaf operates in accordance with Islamic guidelines, and it is your responsibility to ensure your use of our services aligns with your personal or business ethics and religious compliance.

5. Fees and Payments

When using Nuqsaf’s financial services, you agree to pay all applicable fees associated with your transactions. These may include:

• Transaction processing fees.
• Service fees for premium features.

Nuqsaf reserves the right to change its fee structure at any time. Any changes to fees will be communicated to you, and your continued use of the Services after fee changes indicates your acceptance.

6. User Responsibilities

You agree not to use the Services for any unlawful or prohibited activities, including:

• Engaging in fraudulent or illegal activities.
• Violating any applicable local, state, national, or international law.
• Impersonating any person or entity, or falsely stating your affiliation with a person or entity.
• Uploading, transmitting, or distributing any viruses, malware, or other harmful code.

Nuqsaf may terminate your access to the Services if it determines, at its sole discretion, that you have engaged in prohibited activities or otherwise violated these Terms.

7. Intellectual Property

All content, trademarks, logos, and intellectual property displayed on the Nuqsaf platform are the property of Nuqsaf or its licensors. You agree not to:

• Reproduce, modify, or distribute any part of the Services without prior written consent from Nuqsaf.
• Use any content or material from the platform for commercial purposes without express permission.

8. Third-Party Services

Nuqsaf may provide links to third-party websites or services for convenience. These third-party services are not governed by Nuqsaf’s Terms, and we are not responsible for the accuracy, content, or practices of these external services. You use third-party services at your own risk.

9. Disclaimer of Warranties

Nuqsaf provides the Services “as is” and “as available.” We make no express or implied warranties about the Services, including, but not limited to:

• The accuracy, completeness, or reliability of the information provided.
• The security or error-free operation of the platform.
• The compliance of services with any religious or legal standards outside of our internal Shariah-compliant advisory.

To the extent permitted by law, Nuqsaf disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Nuqsaf shall not be liable for any indirect, incidental, special, or consequential damages resulting from:

• Your use or inability to use the Services.
• Unauthorized access to your account or data.
• Any other matters related to the Services, even if Nuqsaf has been advised of the possibility of such damages.

In no event shall Nuqsaf’s total liability exceed the amounts you have paid to us for the use of the Services in the 12 months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless Nuqsaf, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising out of:

• Your use of the Services.
• Your violation of these Terms.
• Your infringement of any third-party rights, including intellectual property rights.

12. Termination

Nuqsaf reserves the right to suspend or terminate your access to the Services, with or without notice, for any reason, including violations of these Terms or applicable law. Upon termination, you will no longer have access to your account or any data associated with it.

13. Governing Law and Dispute Resolution

These Terms and any disputes arising out of or relating to the Services shall be governed by and construed in accordance with the laws of [Insert Governing Jurisdiction], without regard to its conflict of law principles.

Any disputes or claims arising out of or relating to these Terms or the Services shall be resolved through negotiation in good faith. If negotiation fails, disputes will be resolved through binding arbitration in accordance with [Insert Arbitration Rules] in [Insert Jurisdiction].

14. Changes to Terms

Nuqsaf reserves the right to update or modify these Terms at any time. We will notify you of any significant changes by posting a notice on the platform or by email. Your continued use of the Services after changes are made indicates your acceptance of the updated Terms.