Agreement to Terms
By accessing and using Halal Math (“the Website”), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this Website. We reserve the right to modify these terms at any time, and your continued use of the Website constitutes acceptance of any modifications.
Description of Service
Halal Math is a free online tool designed to help users estimate potential investment returns while considering:
- Compound investment growth calculations
- Annual Zakat obligations (2.5% on eligible wealth)
- Inflation adjustments for real purchasing power
- Different investment modes (Lump Sum, SIP, Combined)
- Multiple currency support
⚠️ Important Disclaimers
Not Financial Advice
This calculator is for educational and informational purposes only. The results provided are projections based on the inputs you provide and do not constitute financial, investment, tax, or legal advice. Past performance does not guarantee future results. Always consult with a qualified financial advisor before making investment decisions.
Not Religious Advice
The Zakat calculations provided are estimates only. This calculator should not be used as your sole source for calculating Zakat obligations. Islamic rulings on Zakat can vary based on different schools of thought (madhabs) and individual circumstances. Always consult with a qualified Islamic scholar or your local mosque for authoritative rulings on your Zakat obligations.
No Guarantee of Accuracy
While we strive to provide accurate calculations, we make no warranties or representations regarding the accuracy, completeness, or reliability of any calculations or information provided. Investment returns are subject to market risks and may differ significantly from projections.
Acceptable Use
You agree to use this Website only for lawful purposes. You must not:
- Use the Website in any way that violates applicable laws or regulations
- Attempt to gain unauthorized access to any part of the Website
- Interfere with or disrupt the Website's functionality
- Use automated systems or software to extract data from the Website
- Reproduce, duplicate, copy, or re-sell any part of the Website without permission
- Transmit any harmful code, viruses, or malware
Intellectual Property
All content on this Website, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, is the property of Halal Math or its content suppliers and is protected by international copyright laws.
You may use the calculator for personal, non-commercial purposes. You may not modify, reproduce, distribute, or create derivative works from any content without our express written permission.
Third-Party Links and Advertisements
This Website may contain links to third-party websites and displays advertisements through Google AdSense. These third-party sites have their own privacy policies and terms of use. We are not responsible for:
- The content, accuracy, or opinions expressed on third-party websites
- The privacy practices of third-party websites
- Products or services offered by advertisers
- Any damages or losses caused by third-party content
Limitation of Liability
To the fullest extent permitted by applicable law, Halal Math and its operators, directors, employees, and agents shall not be liable for:
- Any indirect, incidental, special, consequential, or punitive damages
- Any loss of profits, revenue, data, or business opportunities
- Any damages resulting from your use of or inability to use the Website
- Any errors or omissions in calculations or content
- Any unauthorized access to or use of our servers
- Investment losses or missed opportunities based on calculator projections
- Incorrect Zakat calculations or religious interpretations
Indemnification
You agree to indemnify, defend, and hold harmless Halal Math and its operators, affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Website, your violation of these Terms, or your violation of any rights of a third party.
Availability and Modifications
We reserve the right to:
- Modify or discontinue any part of the Website without notice
- Restrict access to the Website to any person or geographic area
- Update calculation methodologies and formulas
- Change supported currencies and features
We do not guarantee that the Website will be available at all times or that it will be free from errors or interruptions.
Disclaimer of Warranties
THE WEBSITE AND ALL CALCULATIONS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. We expressly disclaim all warranties, including but not limited to:
- Implied warranties of merchantability and fitness for a particular purpose
- Warranties of accuracy, reliability, or completeness of calculations
- Warranties that the service will be uninterrupted, timely, secure, or error-free
- Warranties regarding the accuracy of Zakat calculations or Islamic compliance
- Warranties that results will meet your requirements or expectations
You expressly understand and agree that your use of this calculator is at your sole risk. Any material downloaded or otherwise obtained through the use of the Website is done at your own discretion and risk.
Assumption of Risk
By using this calculator, you acknowledge and agree that:
- Investment decisions involve substantial risk, including the possible loss of principal
- Past performance and projected returns do not guarantee future results
- You are solely responsible for evaluating the merits and risks of any investment decision
- Zakat rulings may vary among Islamic scholars and schools of thought
- You will verify all calculations independently before making any decisions
- You will consult qualified professionals (financial advisors, Islamic scholars) for personalized advice
You assume full responsibility for any actions taken based on information from this calculator.
Dispute Resolution
Agreement to Arbitrate: Any dispute, claim, or controversy arising out of or relating to these Terms or the use of this Website shall be resolved through binding arbitration rather than in court, except that you may assert claims in small claims court if your claims qualify.
No Class Actions: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in class action lawsuits or class-wide arbitration.
Limitation Period: Any claim or cause of action arising out of or related to use of this Website or these Terms must be filed within one (1) year after such claim or cause of action arose, or be forever barred.
Governing Law
These Terms of Use shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Website shall be resolved through appropriate legal channels.
Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.
Contact Information
If you have any questions about these Terms of Use, please contact us through our website. We welcome feedback and suggestions to improve our calculator and services.
Acknowledgment
By using Halal Math, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. You also acknowledge that the calculator is a tool for estimation purposes only and that you are solely responsible for verifying calculations and seeking professional advice for financial and religious matters.