Welcome to SAFE HOME Islamic Finance and Investment. By using our services, you agree to comply with the following terms and conditions. Please read them carefully.
To use our services, you must be at least 18 years old and have the legal capacity to enter into a binding agreement. By applying for any of our products or services, you confirm that you meet these requirements.
SAFE HOME operates in full compliance with Islamic finance principles, which include the prohibition of Riba (interest) and Gharar (excessive uncertainty). All transactions are conducted in a Shariah-compliant manner, and our financial products are structured accordingly.
SAFE HOME offers a range of Islamic finance products, including:
5.1 Application Submission: To apply for any of our products, you must complete the relevant application form and provide all necessary documentation as requested.
5.2 Approval Process: All applications are subject to approval based on SAFE HOME’s internal criteria. We reserve the right to reject any application without providing a reason.
5.3 Documentation: Upon approval, you will be required to sign the necessary agreements, which will outline the terms of the financing and your obligations.
6.1 Payment Schedule: All payments must be made according to the agreed-upon schedule outlined in your financing agreement.
6.2 Late Payments: Late payments may result in penalties, but SAFE HOME will not charge interest as it is against Islamic principles. Any penalties imposed will be directed towards charitable causes.
6.3 Early Repayment: You may repay your financing early without incurring any penalties. However, you must notify us in advance.
7.1 Accurate Information: You are required to provide accurate and truthful information during the application process. Any false or misleading information may result in the termination of your financing agreement.
7.2 Use of Funds: Funds provided through our financing products must be used for the intended purpose as stated in your application. Misuse of funds may lead to legal action.
8.1 Personal Data: SAFE HOME is committed to protecting your personal data. All information provided will be handled in accordance with our Privacy Policy.
8.2 Confidentiality: We will keep all customer information confidential and will not disclose it to third parties except as required by law or with your explicit consent.
9.1 Termination by SAFE HOME: We reserve the right to terminate your financing agreement if you breach any of these terms and conditions or fail to meet your obligations.
9.2 Termination by Customer: You may terminate your agreement by repaying all outstanding amounts in full and providing notice to SAFE HOME.
10.1 Internal Resolution: In the event of a dispute, you should first contact SAFE HOME to seek an internal resolution.
10.2 Shariah Compliance: Any disputes arising out of or in connection with these terms and conditions will be resolved in accordance with Islamic principles. You agree to submit any unresolved disputes to a recognized Shariah board for final and binding resolution.
SAFE HOME reserves the right to amend these terms and conditions at any time. Any changes will be communicated to you, and your continued use of our services constitutes acceptance of the revised terms.
These terms and conditions are governed by the laws of Iraq, provided they do not conflict with Islamic law. In case of a conflict, Islamic law will prevail.
For any questions or concerns regarding these terms and conditions, please contact us at:
Dream City B52, Erbil, Iraq.
0750 871 3000 – 0770 871 3000
info@safehomesaving.com
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