These terms govern your use of Mioo Islamic Finance Hub. Please read them carefully — by using the site, you accept them in full.
Last updated: January 2025
By accessing or using Mioo Islamic Finance Hub (the "Service") at {SITE_DOMAIN}, you agree to be bound by these Terms of Service. If you do not agree to any part of these terms, you must not use the Service.
Mioo provides free Islamic finance calculators (Fidya, Kaffarah, Zakat with Nisab tracker, Hajj/Umrah Savings, and Faraid Inheritance) and a library of original articles on Islamic finance topics. The Service is provided free of charge and is supported by contextual advertising through Google AdSense.
All content on Mioo is provided strictly for general informational and educational purposes. Nothing on this website constitutes a fatwa (religious ruling), investment advice, tax advice, or legal advice. Our calculators implement classical and contemporary scholarly methodologies, but they cannot account for every personal circumstance. For personal rulings — especially on complex medical, financial, or family situations — you must consult a qualified scholar in your locality. For financial matters, consult a licensed financial advisor. For legal matters including inheritance distribution under local law, consult a qualified lawyer.
Our calculators are designed to be accurate implementations of the methodologies described in our articles. However, we make no warranty that the calculations are free of errors. You should always verify the results by consulting a qualified scholar or by performing the calculations manually using the formulas provided in our articles. We are not liable for any financial or religious consequences of relying on calculator outputs.
Your use of the Service does not create any professional relationship between you and Mioo, its authors, or its consulting scholars. We do not act as your mufti, financial advisor, accountant, or lawyer. Communications sent to our editorial inbox are not confidential fatwa requests and should not include sensitive personal information.
All original content on Mioo — including articles, calculator code, design, illustrations, and the "Mioo" name and logo — is the property of Mioo Islamic Finance Hub and is protected by international copyright law. You may:
You may not:
To request permission to republish or syndicate our content, contact {SITE_EMAIL}.
You agree to use the Service lawfully and not to:
We display advertising through Google AdSense. Advertisers may use cookies and similar technologies to serve ads based on your prior visits to this and other websites. We do not control which specific ads are displayed and are not responsible for the content of third-party advertisements. For advertising-related concerns, including personalized ad settings, see our Privacy Policy.
Our articles contain links to external websites, including scholarly sources, government agencies, and Islamic organizations. These links are provided for reference only. We do not endorse and are not responsible for the content, accuracy, or practices of any external website.
The Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. We do not warrant that the Service will be uninterrupted, error-free, secure, or that defects will be corrected.
To the maximum extent permitted by law, Mioo, its authors, editors, consulting scholars, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from your use of or inability to use the Service — including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses — even if we have been advised of the possibility of such damages. This includes, without limitation, any liability arising from reliance on calculator outputs, article content, or advertising displayed on the Service.
You agree to indemnify and hold harmless Mioo, its authors, editors, consulting scholars, and affiliates from any claim, demand, loss, or damages (including reasonable attorneys' fees) arising from your violation of these Terms or your misuse of the Service.
We may update these Terms of Service from time to time. When we do, we will revise the "Last updated" date at the top of this page. Material changes will be announced on the homepage. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
These Terms are governed by and construed in accordance with applicable international e-commerce and internet publishing conventions. Disputes will be resolved through good-faith email correspondence in the first instance. Where formal proceedings are necessary, they shall be brought in the jurisdiction where the website is hosted and published.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
Questions about these Terms? Contact us at {SITE_EMAIL}.