General Terms and Conditions

1. Scope

These T&C apply to all offerings of the Rizq Management Academy, in particular:

• Webinars
• Online Courses
• Islamic Finance educational offerings
• Investment educational formats
• Annual subscriptions

By booking a service, these T&C are considered accepted. The services are provided under the name Rizq Management Academy. The contractual partners of the clients are Rahul Habibur and Jonas Bashar jointly as a general partnership (Einfache Gesellschaft).

2. Nature of Services

The offerings serve educational purposes in the areas of:

• Islamic Finance
• Halal-compliant investing
• Entrepreneurship
• Career design

The contents serve to impart knowledge, reflection, and structural support. Implementation is the sole responsibility of the participants.

No financial or economic success is owed.

3. Distinction from Financial Services (FINMA / FinSA / FinIA)

The Rizq Management Academy does not provide financial services within the meaning of Art. 3 of the Financial Services Act (FinSA / FIDLEG).

In particular, the following are not provided:

• Individual investment advice
• Asset management
• Acceptance or transmission of client orders
• Financial analysis in a regulatory sense
• Issuance or distribution of financial instruments

No client funds are accepted or managed.

The operator is not a supervised financial institution and is not subject to any FINMA licensing requirement.

4. Investment and Market Risk

Investments involve risks, including total loss.

The Rizq Management Academy assumes no liability for:

• Capital losses
• Market changes
• Liquidity risks
• Regulatory changes
• Entrepreneurial failure

No recommendations to buy or sell are made.

5. Islamic Finance Distinction

The assessment of Shariah compliance of financial products may vary depending on legal or theological interpretation.

The Academy:

• Does not issue binding Fatwas
• Assumes no religious liability
• Does not guarantee the religious compliance of individual investments

Participants are independently responsible for consulting religious authorities.

6. Psychological Strain

The offerings do not constitute psychotherapeutic or medical treatment.

In the case of mental illness or burdens requiring treatment, independent specialist medical or psychotherapeutic advice must be sought before participation.

7. Online Payment and Digital Services

Payments are made via external payment providers.

The provision of services begins with the activation of digital content.

Digital content is non-refundable after activation.

Subscriptions renew automatically unless canceled 30 days before expiration.

8. Withdrawal and Cancellation

The contract can be terminated at any time with due notice. Termination at an inopportune time (Art. 404 Para. 2 CO) remains reserved. In the event of short-term cancellations, the following compensation for expenses shall be due:

• One-on-one coaching: Cancellation free of charge up to 24h before the appointment, thereafter 100% of the fee.
• Workshops/Seminars: 50% up to 7 days before the start, thereafter 100% of the fee.
• Started programs: In the event of premature termination, there is no entitlement to a refund of services already rendered or digital content provided. The provider reserves the right to invoice expenses already incurred as well as lost profit (in the event of termination at an inopportune time).

9. Limitation of Liability

Liability for damages from contractual or non-contractual liability is – as far as legally permissible – limited to intent and gross negligence. Liability for slight negligence as well as liability for auxiliary persons is fully excluded. Liability is also limited per claim to the amount of the remuneration paid for the service in question. Liability for indirect damages, consequential damages (e.g. lost profit, investment losses, entrepreneurial failure) or religious misinterpretations is expressly excluded.

10. Copyright

All content is protected by copyright.

Recordings or distribution are prohibited.

11. Data Protection

Data processing takes place in accordance with the Swiss FADP (DSG).

12. Jurisdiction

Swiss law applies.

The place of jurisdiction is Zurich.

13. Severability Clause

Should individual provisions of these T&C be invalid or incomplete, or should fulfillment become impossible, the validity of the remaining provisions shall not be affected thereby. The parties undertake to replace the invalid provision with a legally permissible valid provision that comes closest to the original intention in terms of its content.