Terms of Use

2. Acceptance of Terms

By accessing or using the Services, you:

• Confirm that you are at least 18 years old, or have the consent of a parent or guardian;
• Agree to comply with these Terms, applicable laws, and ethical standards; and
• Accept that any use of the Services constitutes your electronic signature and consent.

If you are accessing on behalf of a company or organization, you represent that you are authorized to accept these Terms on its behalf.

3. Our Services

Takaful America provides:

• Information about Takaful-based products and services;
• Educational content on risk-sharing, ethics, and financial principles;
• Online forms, claims portals, and contribution payment tools; and
• Communication channels for participants and partners.

The Services are provided for informational and operational purposes only. No content on our website constitutes financial, legal, or religious advice. Always consult qualified professionals where appropriate.

4. Registration and Account Responsibilities

Some areas of our Services may require you to register or create an account. You agree to:

• Provide accurate and complete information;
• Keep your login credentials confidential;
• Notify us immediately if you suspect unauthorized access.

You are responsible for all activity under your account. We reserve the right to suspend or terminate accounts that violate these Terms or applicable laws.

5. Lawful and Ethical Use

You agree to use our Services only for lawful purposes and in accordance with:

• U.S. federal and state laws and regulations;
• Shariah principles of fairness, trust (Amanah), and mutual cooperation (Takaful); and
• These Terms of Use.

You must not:

• Engage in fraudulent, deceptive, or harmful behavior;
• Attempt to gain unauthorized access or interfere with our systems;
• Upload or transmit viruses or malicious code;
• Use the Services to send spam or solicitations; or
• Violate the rights or privacy of others.

6. Intellectual Property Rights

All content on the Takaful America website—including text, logos, trademarks, graphics, videos, and code—is owned or licensed by Takaful America and protected by applicable copyright and trademark laws.

You may:

• View or download materials for personal, non-commercial use only.

You may not:

• Reproduce, republish, modify, or distribute any materials without our prior written consent.

“Takaful America” and its associated logos are registered marks or pending trademarks of Takaful America LLC.

7. Privacy and Data Protection

Your use of the Services is governed by our Privacy Policy, which explains how we collect, use, and safeguard your personal information. By using our Services, you consent to our data practices as described therein.

We treat all data as an Amanah (trust) and apply both U.S. privacy laws and Islamic ethical standards in handling personal information.

8. Disclaimers and Limitation of Liability

The Services are provided on an “as-is” and “as-available” basis.
Takaful America makes no warranties, express or implied, regarding:

• Accuracy, reliability, or completeness of the content;
• Continuous or error-free operation of the website; or
• Suitability for a particular purpose.

To the fullest extent permitted by law, Takaful America, its officers, employees, and affiliates are not liable for any direct, indirect, incidental, or consequential damages arising from your use or inability to use the Services.

9. Indemnification

You agree to indemnify and hold harmless Takaful America, its affiliates, officers, employees, and advisors from any claims, damages, losses, or expenses (including legal fees) arising out of:

• Your violation of these Terms;
• Misuse of our Services; or
• Infringement of any rights of another party.

10. Links to Third-Party Sites

Our Services may contain links to third-party websites. These links are provided for convenience only. Takaful America does not control or endorse third-party content and assumes no responsibility for their privacy policies, practices, or materials.

11. Termination of Use

We may suspend or terminate your access to the Services at any time, with or without notice, if we determine that:

• You have violated these Terms;
• Your conduct could harm other users or our reputation; or
• Continued access would breach legal or ethical obligations.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict-of-law principles.

Any dispute arising from these Terms shall first be resolved through amicable negotiation or mediation, consistent with Shariah principles of reconciliation (Sulh).

If unresolved, the dispute shall be submitted to binding arbitration in New Jersey under the rules of the American Arbitration Association.

13. Modifications to Terms

Takaful America may revise these Terms at any time. Updates will be posted with a new “Last Updated” date. Continued use of our Services after any modification constitutes acceptance of the updated Terms.

14. Contact Information

Takaful America Privacy Office
102 Market St Newark NJ 07102
Email: info@takafulamerica.com
Phone: 888-433-7998

15. Shariah Compliance Statement

Takaful America conducts its operations in accordance with Islamic ethical and Shariah-compliant principles under the oversight of its Shariah Supervisory Board (SSB).
All policies and services are designed to promote fairness, mutual protection, and avoidance of unjust gain (Gharar or Riba).