Trust Charter
To define how we serve, how we decide, and how we sustain the platform—without compromising your values.
1) Our Core Promise: Service Before Status
We built Rafiq to help you fulfill obligations—not to replace your judgment.
Free Core Guarantee: Essential obligation-completion tools will remain free (e.g., Zakat calculation). We will not make core obligation-completion dependent on payment.
Privacy as Dignity: Your financial data is an amanah. We do not sell personal financial data to third-party advertisers.
Security by Default: We protect your data with encryption, least-privilege access, and routine security reviews. We collect only what we need, and you can export and delete your data.
2) How We Handle Uncertainty
Islamic finance includes legitimate scholarly disagreement. We choose humility over false certainty.
We Show Our Work: When outputs rely on a specific methodology or scholarly view, we state it clearly—inputs, assumptions, and sources.
Honest Differences: Where valid disagreement exists, we’ll acknowledge it and, when possible, let you choose the setting aligned with your school of thought.
AI as Support, Not Mufti: AI features summarize and assist—they do not issue independent fatwas. For complex matters, consult qualified scholars. (Rafiq is educational planning software—not legal, tax, or financial advice.)
3) Our Business Model: Convenience, Not Compliance
We’re a sustainable business. Revenue comes from added value—not restricting access.
What You Pay For: Premium covers convenience and automation (syncing, alerts, advanced analytics, planning tools) that save time.
What You Don’t Pay For: You will never have to pay to see the full methodology behind your Zakat calculation or compliance screen.
4) Our Standard for Mistakes
We strive for ihsan, but we’re human.
Correction Protocol: If we discover an error in a calculation, methodology, guidance, or data source, we fix it quickly and publish a transparent correction note. No silent patches.
Community Accountability: We review community feedback monthly. If you report a trust issue, you’ll receive a substantive response—not a generic dismissal.
5) Plain Language Commitment
Finance and fiqh can be complicated. We speak simply.
No Jargon: We explain financial and religious terms in plain language so you can decide with full understanding.
Guidance Where You Need It: Definitions and context appear inside the workflow—so you don’t have to leave the app to understand what you’re agreeing to.