Terms and Conditions

1. Introduction and Agreement to Terms

Welcome to our website. These Terms and Conditions ('Terms') govern your access to and use of our website and its content. Our mission is to provide information and guidance for European Muslims interested in Sharia-compliant trading with the broker XM.

By accessing or using this website, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the website.

2. Nature of Our Service

This website acts as an informational guide and affiliate partner of XM. We provide educational content, personal insights (through the persona of 'Bilal'), and affiliate links that direct you to the official XM website.

We are not a broker. We do not provide trading services, manage accounts, handle funds, or offer financial advice. Your relationship as a trader will be directly with XM, and you will be subject to their terms, policies, and client agreements.

3. No Financial Advice

All content on this website, including articles, guides, and personal testimonials, is for informational and educational purposes only. It should not be construed as investment, financial, legal, or tax advice. You are solely responsible for your investment decisions and any resulting outcomes. Please refer to our Risk Disclosure for more information.

4. Affiliate Disclosure

This website uses affiliate links. This means that if you click on a link to XM and subsequently open an account and trade, we may receive a commission from the broker at no extra cost to you. This affiliate relationship helps support our work in providing this guidance. Our recommendations are based on our genuine belief in the suitability of the service for our target audience.

5. Intellectual Property

The content, design, logos, and the persona of 'Bilal' featured on this website are the property of the website owner and are protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our express written permission.

6. Limitation of Liability

In no event shall we be liable for any direct, indirect, incidental, or consequential damages, including but not limited to, loss of profits or data, arising out of your use of this website or your trading activities with XM. Our liability is limited to the maximum extent permitted by law. We are not responsible for the services, actions, or omissions of XM or any other third party.

7. External Links

Our website contains links to third-party websites, primarily XM. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. We advise you to read the terms and conditions and privacy policies of any third-party websites that you visit.

8. Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will indicate any changes by updating the 'Last Updated' date on this page. It is your responsibility to review these Terms periodically.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of the jurisdiction in which the website owner is based, without regard to its conflict of law provisions.

10. Contact Us

If you have any questions about these Terms, please contact us.