Terms of Service

Last updated: June 2026

Acceptance of Terms

By accessing or using the NoorFin Limited website, platform, or any of our Shari'ah-compliant financial advisory services, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must refrain from using our services.

These terms constitute a legally binding agreement between you ("the User") and NoorFin Limited ("NoorFin," "we," "us," or "our"). We reserve the right to update or modify these terms at any time, and your continued use of our services following any changes constitutes acceptance of the revised terms.

Services Description

NoorFin Limited provides Shari'ah-compliant financial advisory services including but not limited to:

• Financial planning and budgeting guidance
• Halal wealth management and investment advisory
• Zakat calculation and strategic planning
• Retirement and inheritance planning
• Educational workshops and resources on Islamic finance

All services are provided for informational and advisory purposes only. NoorFin does not guarantee specific financial outcomes or investment returns. Our recommendations are based on our professional analysis of your financial situation and objectives, conducted in accordance with Shari'ah principles.

User Responsibilities

As a user of NoorFin's services, you agree to:

• Provide accurate, complete, and current information during the consultation and onboarding process
• Use our platform and services solely for lawful purposes and in compliance with applicable regulations
• Not engage in any activity that could compromise the security, integrity, or availability of our systems
• Promptly update any changes to your financial circumstances or contact details
• Maintain the confidentiality of any account credentials or access information provided to you
• Not reproduce, distribute, or modify any content from our platform without prior written consent

Shari'ah Compliance Statement

NoorFin Limited is committed to providing financial services that adhere strictly to Islamic Shari'ah principles. All our investment products, advisory services, and recommendations are thoroughly reviewed to ensure compliance with the following:

• Complete avoidance of riba (interest) in all forms
• Exclusion of investments in haram (prohibited) industries such as alcohol, gambling, tobacco, and conventional finance
• Adherence to ethical risk-sharing principles consistent with Islamic finance
• Transparency in all fee structures and contractual arrangements
• Regular reviews and audits to maintain ongoing Shari'ah compliance

While we strive to maintain the highest standards of Shari'ah compliance, users are encouraged to consult with their own Shari'ah scholar or advisor regarding the permissibility of any financial product or service. NoorFin does not provide religious rulings (fatwa) and shall not be liable for any differences in scholarly opinion regarding Shari'ah compliance.

Limitation of Liability

NoorFin Limited provides its services on an "as is" and "as available" basis. To the fullest extent permitted by applicable law:

• We make no representations or warranties of any kind, express or implied, regarding the accuracy, reliability, or completeness of our advisory services
• We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services
• Our total liability to you for any claims arising under these terms shall not exceed the total fees paid by you to NoorFin in the twelve (12) months preceding the claim
• We are not responsible for any investment losses, market fluctuations, or financial outcomes resulting from implementation of our recommendations

Privacy and Data

Your privacy is important to us. NoorFin Limited collects, stores, and processes personal and financial information in accordance with our Privacy Policy and applicable data protection regulations. By using our services, you consent to:

• The collection and use of your information as described in our Privacy Policy
• The storage of your data on secure servers with appropriate technical and organisational safeguards
• The sharing of relevant information with our trusted partners and service providers where necessary for service delivery
• The retention of your data for as long as necessary to fulfil the purposes for which it was collected

We implement industry-standard security measures to protect your data. However, no method of electronic storage or transmission is 100% secure, and we cannot guarantee absolute security.

Modifications

NoorFin Limited reserves the right to modify, suspend, or discontinue any aspect of our services, including these Terms of Service, at any time without prior notice. We will endeavour to notify users of material changes through our website or via email. Your continued use of our services after any modifications constitutes acceptance of the updated terms.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising from or relating to these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Nigeria.

In the event of any conflict between these terms and applicable law, the relevant provisions shall be deemed modified to the minimum extent necessary to comply with the law, and the remaining provisions shall remain in full force and effect.

Contact Information

If you have any questions, concerns, or requests regarding these Terms of Service, please contact us:

• Email: noorfin.all@gmail.com
• Phone: +600 11 1130 2362
• WhatsApp: +234 901 419 5536
• Address: 164 Brighton Ave, Allston, ME 02134, United States

We aim to respond to all inquiries within 2–3 business days.