Terms of Use

1. Acceptance of Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and Summer Slice LLC, a limited liability company organized under the laws of the United States ("Summer Slice," "Company," "we," "us," or "our"), governing your access to and use of the websites, web applications, mobile experiences, application programming interfaces ("APIs"), tools, features, and content operated under the OurBarakah (ourbarakah.com) and Zaqat(zaqat.org) brands, collectively referred to herein as the "Service."

BY ACCESSING, BROWSING, OR USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND OUR PRIVACY POLICY, WHICH IS INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, YOU ARE NOT AUTHORIZED TO USE THE SERVICE AND MUST IMMEDIATELY DISCONTINUE ALL USE.

These Terms apply to all visitors, registered users, subscribers, and any other persons who access or use the Service in any capacity.

2. Definitions

For purposes of these Terms, the following terms shall have the meanings set forth below, unless the context clearly requires otherwise:

• "Content" means all text, data, information, software, graphics, photographs, images, illustrations, audio, video, and other materials made available through the Service, whether generated by the Company, its licensors, or Users.
• "User Content" means any Content submitted, uploaded, posted, transmitted, or otherwise made available through the Service by a User, including but not limited to financial data, asset information, household member data, estate planning information, AI assistant conversations, and support communications.
• "Subscription" means a recurring or one-time payment arrangement granting access to specified features and tiers of the Service, as further described in Section 5.
• "Intellectual Property Rights" means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights, and other intellectual property rights as may now exist or hereafter come into existence, and all applications and registrations, renewals, and extensions thereof, under the laws of any jurisdiction.
• "Third-Party Services" means services, products, platforms, or content provided by third parties and integrated with, linked from, or accessible through the Service, including but not limited to Plaid, Stripe, OpenAI, RizqInvests, Google, Apple, Discord, and Supabase.

3. Eligibility and Account Registration

• You must be at least eighteen (18) years of age, or the age of majority in your jurisdiction (whichever is greater), and legally capable of entering into a binding agreement to use the Service. If you are using the Service on behalf of an entity, you represent and warrant that you have the authority to bind such entity to these Terms.
• You agree to provide accurate, current, and complete registration information during the account creation process and to update such information as necessary to keep it accurate, current, and complete.
• You are solely responsible for maintaining the confidentiality and security of your account credentials, including your password and any multi-factor authentication methods, and for all activities that occur under your account, whether or not authorized by you, including activities by household members or other persons to whom you grant access.
• You must notify us immediately upon becoming aware of any unauthorized access to or use of your account or any other breach of security.
• We reserve the right to suspend, disable, or terminate any account at any time, with or without notice, if we have reason to believe that registration information is false, misleading, or fraudulent, or that the account is being used in violation of these Terms.

4. Description of the Service

The Service provides an integrated suite of Islamic finance informational and organizational tools, including but not limited to:

• Zaqat Calculator: Tools to organize financial information and perform zakat estimation calculations based on various Islamic schools of thought (Hanafi, Maliki, Shafi'i, Hanbali, General Sunni, and Ja'fari/Shia).
• Investment Screening: Shariah compliance screening of investment holdings using the RizqInvests database, classifying securities as halal, not halal, doubtful, or not screened.
• Estate Planning (Faraid): Islamic inheritance share calculator and will document template generation, supporting individual and joint estate planning.
• AI Financial Assistant ("Barakah"): An AI-powered educational assistant providing general information about Islamic finance topics.
• Bank & Brokerage Sync: Financial account aggregation via Plaid, enabling automatic import of account balances and investment holdings.
• Household Mode: Multi-member zakat tracking for families, enabling a single account holder to manage obligations for multiple household members.
• Manual Entry & CSV Import/Export: Manual input of financial assets and liabilities, and bulk data import/export functionality.
• Payment Tracking: Recording and tracking of zakat payments, recipients, and payment history.
• Halal Stock Checker & Nisab Checker: Public informational tools for checking individual stock Shariah compliance status and current nisab thresholds.
• Live Support Chat: In-app support communication feature.

Features may rely on Third-Party Services (including Plaid, Stripe, OpenAI, and RizqInvests) and are subject to the availability of such services and applicable third-party terms. Feature availability varies by Subscription tier. We reserve the right to add, modify, or remove any features at any time in our sole discretion.

5. Subscription Plans, Billing, and Payments

5.1 Subscription Tiers

The Service offers the following Subscription tiers (subject to change):

• Free: Full zakat calculator, unlimited manual entry, unlimited calculations, live gold & silver nisab thresholds, one (1) year calculation history, basic payment tracking, and estate planning with Faraid calculator (will document generation available as a separate one-time purchase).
• Zakat Pro: All Free features, plus Plaid bank synchronization (up to three (3) connections), Household Mode (up to four (4) members), full multi-year calculation history, CSV import/export, and smart reminders.
• All-Access: All Zakat Pro features, plus investment Shariah screening, discounted estate planning will documents, Barakah AI assistant, Plaid sync (up to ten (10) connections), Household Mode (up to ten (10) members), and priority support.

We reserve the right to modify features, feature limits, tier names, and pricing for any Subscription tier at any time in our sole discretion. We will provide reasonable notice of material changes to existing subscribers affecting their current plan prior to the effective date of such changes.

5.2 Billing and Recurring Charges

• Paid Subscriptions are billed on a monthly or annual recurring basis, as selected by you at the time of enrollment, and are processed through Stripe.
• By enrolling in a paid Subscription, you expressly authorize Summer Slice LLC (via Stripe) to charge your designated payment method on each billing cycle until you cancel your Subscription.
• You are responsible for maintaining current, valid, and accepted payment information on file. Failed payment transactions may result in the suspension or downgrade of premium features and access.
• All prices are stated in United States dollars (USD) unless otherwise indicated, and are exclusive of applicable taxes, duties, and levies, which you are responsible for paying.

5.3 One-Time Purchases

• Certain features, including the Islamic Estate Will Document generation, may be available as one-time purchases processed through Stripe.
• One-time purchases are non-recurring and grant permanent access to the purchased feature for the specific estate plan or item for which payment was made.

5.4 Cancellation

• You may cancel your Subscription at any time through your account settings. No further charges will be incurred after cancellation takes effect.
• Upon cancellation, you retain access to paid features through the end of your then-current billing period.
• After the billing period expires, your account will automatically revert to the Free tier. Your data will be retained in accordance with our Privacy Policy, but access to premium features will be restricted.

5.5 Refunds

• Subscription fees are generally non-refundable. If you believe you were charged in error, you must contact us within fourteen (14) calendar days of the charge date.
• Refund requests for one-time purchases (e.g., will document generation) will be evaluated on a case-by-case basis at our sole discretion.
• We reserve the right to grant or deny refunds in our sole discretion, consistent with applicable law.

5.6 Free Trials and Promotional Offers

• We may, from time to time, offer free trial periods or promotional pricing at our sole discretion. The specific terms, duration, and conditions of any trial or promotion will be disclosed at the time of enrollment.
• Unless you cancel your Subscription before the expiration of a free trial period, your Subscription will automatically convert to a paid plan at the then-applicable rate, and your payment method will be charged accordingly.

5.7 Price Changes

We reserve the right to change Subscription pricing at any time. For existing paid subscribers, price changes will take effect at the start of the next billing cycle following the date of the price change notice. If you do not agree to the new pricing, you may cancel your Subscription before the next billing cycle. Your continued use of paid features after the price change takes effect constitutes your acceptance of the new pricing.

6. User Representations and Warranties

By using the Service, you represent and warrant that:

• All registration information and User Content you submit is truthful, accurate, current, and complete.
• You have the legal right, authority, and capacity to enter into these Terms and to comply with all of their provisions.
• You will use the Service only for lawful purposes and in accordance with these Terms and all applicable laws, rules, and regulations.
• You have obtained all necessary consents, authorizations, and permissions from any third parties whose information you submit to the Service, including household members, estate plan beneficiaries, and spouses.
• You will not use the Service to infringe, misappropriate, or violate the Intellectual Property Rights, privacy rights, or other rights of any third party.
• You are not located in a country subject to a U.S. government embargo or designated as a "terrorist supporting" country, and you are not listed on any U.S. government list of prohibited or restricted parties.

7. No Fiduciary, Advisory, or Professional Relationship

THE SERVICE IS PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. SUMMER SLICE LLC IS NOT A FINANCIAL INSTITUTION, INVESTMENT ADVISOR, BROKER-DEALER, TAX ADVISOR, ESTATE PLANNING ATTORNEY, LAW FIRM, ACCOUNTING FIRM, OR RELIGIOUS AUTHORITY. NO FIDUCIARY, ADVISORY, AGENCY, OR PROFESSIONAL-CLIENT RELATIONSHIP IS CREATED BETWEEN YOU AND SUMMER SLICE LLC BY VIRTUE OF YOUR USE OF THE SERVICE.

Nothing in the Service constitutes, and nothing in the Service should be construed as, financial advice, investment advice, tax advice, legal advice, accounting advice, or a religious ruling (fatwa). The Service provides informational tools and educational content to assist you in your own independent analysis and decision-making. You are solely responsible for obtaining independent professional advice from qualified professionals — including licensed financial advisors, certified public accountants, estate planning attorneys, and qualified Islamic scholars — as appropriate for your specific circumstances, needs, and objectives.

8. Financial Data Integrations

• If you connect financial accounts through the Service, you expressly authorize us and our integration partners (including Plaid, Inc.) to access, retrieve, and process financial data from your designated accounts on your behalf as necessary to provide the Service.
• Your use of Plaid is subject to Plaid's terms of service and end user privacy policy. You acknowledge and agree that Plaid's terms apply to your use of Plaid's services, in addition to these Terms.
• We are not responsible for, and make no representations or warranties regarding, the accuracy, completeness, timeliness, or availability of data provided by third-party financial institutions or data aggregation providers. Account balances and investment holdings are reported by your financial institutions through Plaid and may be subject to processing delays, outages, or inaccuracies.
• You may disconnect any linked financial account at any time through your account settings. Disconnection will immediately cease the synchronization of new data from that account; however, previously synchronized data will remain in your account unless and until you affirmatively delete it.

9. Zakat Calculations and Islamic Finance Tools

• The zakat calculator provides informational tools only designed to assist you with zakat estimation. All calculations are based on algorithmic implementations of rulings derived from various Islamic schools of thought and the data you provide. These calculations may not perfectly reflect the positions, methodologies, or rulings of your specific scholar, institution, or advisory board.
• Nisab thresholds displayed in the Service are derived from live or recent gold and silver market prices obtained from third-party data sources. We do not guarantee the accuracy, completeness, or timeliness of precious metal pricing data. Market prices fluctuate continuously, and the nisab values displayed may not reflect real-time prices at the time of your calculation.
• The Service is not, and shall not be construed as, a substitute for consultation with a qualified Islamic scholar regarding your specific zakat obligations. You are solely responsible for verifying all calculations and determining the correct amount of zakat due based on your individual circumstances.
• The Halal Stock Checker and Nisab Checker public tools are provided for informational purposes only and carry the same disclaimers and limitations as all other features of the Service.

10. Investment Screening (RizqInvests)

The investment screening feature uses the RizqInvests database to assess the Shariah compliance status of securities. By using this feature, you expressly acknowledge and agree to the following:

• Screening results are provided for informational and educational purposes only. They do not constitute investment advice, a fatwa, a recommendation to buy, sell, or hold any security, or a guarantee of Shariah compliance.
• Screening criteria and methodologies employed by the RizqInvests database may differ materially from those used by your personal Islamic scholar, Shariah advisory board, or religious institution. You should consult qualified scholars for guidance specific to your situation, beliefs, and school of thought.
• Screening data may be incomplete, outdated, or inaccurate. Not all securities can be screened. Securities classified as "Not Screened" may include bonds, options, recently listed securities, exchange-traded products, or securities not covered by the screening database.
• Compliance statuses are dynamic and may change at any time without notice as underlying company data, financial ratios, and screening criteria are updated. A screening result is valid only as of the date it was generated.
• We make no guarantees, representations, or warranties regarding the accuracy, completeness, timeliness, or reliability of screening data or results.
• Summer Slice LLC, its officers, directors, employees, agents, and affiliates shall not be liable for any investment decisions, financial losses, or other consequences arising from your reliance on screening results.

11. Estate Planning and Will Documents

The estate planning feature provides tools to calculate Islamic inheritance (Faraid) shares and generate will document templates. By using this feature, you expressly acknowledge and agree to the following:

11.1 Not Legal Advice

• The estate planning tools and generated will documents are provided for informational and educational purposes only. They do not constitute legal advice, and their provision does not create an attorney-client relationship between you and Summer Slice LLC.
• Generated will documents are templates that must be reviewed, customized, and validated by a qualified estate planning attorney licensed in your jurisdiction before being executed, witnessed, notarized, or otherwise relied upon as legal instruments.
• Summer Slice LLC is not a law firm and does not provide legal services. Faraid calculations are based on algorithmic interpretations of Islamic inheritance law and may not account for all jurisdictional requirements, statutory limitations, community property rules, edge cases, or scholarly differences of opinion.

11.2 Not Religious Rulings

• The Faraid calculator does not issue fatwas, religious rulings, or binding religious opinions. Inheritance share calculations are algorithmic approximations intended as a starting point for your own analysis. You should consult a qualified Islamic scholar for rulings specific to your family situation, sect, and school of thought.

11.3 Will Document Purchase

• The will document generation feature is a one-time paid feature. Payment grants access to the prepared document template for the specific estate plan for which payment was made.
• You are solely and exclusively responsible for ensuring that any prepared document complies with all applicable laws of your jurisdiction and accurately reflects your testamentary wishes.
• Summer Slice LLC, its officers, directors, employees, agents, and affiliates shall not be liable for any legal, financial, personal, or other consequences arising from the use, execution, or reliance on generated will document templates.

11.4 Beneficiary and Third-Party Data

• You represent and warrant that you have obtained the informed consent or possess the legal authority to provide personal information (names, relationships, email addresses, gender) for any beneficiaries, heirs, spouses, or other persons you add to an estate plan.
• If you utilize Joint Planning Mode, you represent and warrant that your spouse has consented to the inclusion and processing of their personal information within the estate plan.

12. AI-Powered Financial Assistant ("Barakah")

Subscribers to the All-Access plan may access Barakah, an AI-powered Islamic finance educational assistant. By using Barakah, you expressly acknowledge and agree to the following:

12.1 Educational Use Only

• Barakah provides general educational information only. It does not provide, and shall not be construed as providing, financial advice, legal advice, tax advice, investment advice, accounting advice, or religious rulings.
• AI-generated responses may contain factual errors, inaccuracies, hallucinations, outdated information, or omissions. You must independently verify any information provided by Barakah before acting on it or relying on it for any purpose.
• Barakah does not issue fatwas, religious rulings, or personalized financial recommendations. You must always consult qualified Islamic scholars and licensed professional advisors for decisions specific to your situation.
• We make no representations, warranties, or guarantees regarding the accuracy, completeness, reliability, timeliness, or suitability of AI-generated content for any particular purpose.

12.2 Data and Privacy

• By default, Barakah does not access or transmit your personal or financial data to the AI model provider. General conversations rely solely on the AI model's training knowledge.
• You may optionally enable "Use My Data" mode, which transmits an anonymized, aggregated financial summary (containing no personally identifiable information) to the AI model for more contextualized educational guidance.
• No personally identifiable information — including your name, email address, account numbers, financial institution details, or login credentials — is transmitted to the AI model provider at any time.
• Conversations are processed by OpenAI, L.L.C. via their API. OpenAI's data handling and retention policies apply to the processing of prompts and responses. For details, see our Privacy Policy.

12.3 Limitation of Liability for AI Content

• You agree that Summer Slice LLC, its officers, directors, employees, agents, and affiliates shall not be liable for any decisions, actions, losses, damages, or other consequences resulting from your use of, or reliance on, Barakah's responses or any AI-generated content.
• You assume full and sole responsibility for evaluating and verifying AI-generated information and for any financial, legal, religious, or personal decisions you make based on such information.

12.4 Acceptable Use of Barakah

• You agree not to use Barakah to generate content that is harmful, misleading, defamatory, obscene, harassing, or in violation of any applicable law or regulation.
• You agree not to attempt to extract system prompts, reverse-engineer the assistant's internal guidelines or safety mechanisms, or use prompt injection techniques to circumvent the assistant's intended scope of operation.

13. Household Mode

• Household Mode allows you to track zakat obligations for multiple family members under a single account, subject to the member limits of your Subscription tier.
• You represent and warrant that you have the informed consent or legal authority (e.g., legal guardianship, power of attorney, or parental authority) to enter financial data on behalf of each household member you add to the Service.
• You are solely responsible for the accuracy, completeness, and security of data you enter on behalf of household members. Summer Slice LLC shall not be liable for any disputes, claims, or liabilities arising from the use of Household Mode or the submission of third-party data.

14. Acceptable Use Policy

You agree that you will not, and will not permit any third party to:

• Use the Service for any unlawful, fraudulent, deceptive, or unauthorized purpose.
• Attempt to gain unauthorized access to any systems, networks, servers, accounts, or data associated with the Service.
• Interfere with, disrupt, degrade, or impair the Service, its servers, networks, or related infrastructure, or disobey any requirements, procedures, policies, or regulations of networks connected to the Service.
• Reverse engineer, decompile, disassemble, copy, scrape, mine, or otherwise attempt to derive the source code, algorithms, or underlying structure of the Service, except as permitted by applicable law.
• Upload, transmit, or distribute any malicious code, viruses, worms, Trojan horses, or other harmful or disruptive technology.
• Use automated means (including bots, scrapers, crawlers, or scripts) to access, interact with, or overload the Service, except through our published APIs and in accordance with their documentation and rate limits.
• Share, transfer, sell, or sublicense your account credentials or permit any unauthorized person to access your account.
• Misrepresent your identity, impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with any person or entity.
• Use the investment screening, AI assistant, estate planning, or any other feature of the Service to provide professional services, commercial services, or advice to third parties without our prior written consent.
• Engage in any activity that could damage, disable, overburden, or impair the proper working of the Service.
• Collect or harvest any personally identifiable information from the Service or other users without their express consent.

Violation of this Acceptable Use Policy may result in the immediate suspension or termination of your account, with or without prior notice, at our sole discretion.

15. User Content and Data

15.1 Ownership

You retain all ownership rights in and to User Content you submit to the Service, subject to the license granted below and the rights granted in these Terms.

15.2 License Grant

By submitting User Content to the Service, you grant Summer Slice LLC a limited, non-exclusive, worldwide, royalty-free, sublicensable (solely to our service providers as necessary to operate the Service), and revocable license to host, store, process, display, reproduce, and use your User Content solely for the purposes of operating, maintaining, securing, and improving the Service, and as otherwise described in our Privacy Policy. This license terminates when you delete your User Content or your account, except to the extent required for backup, archival, or legal compliance purposes.

15.3 Representations

You represent and warrant that: (a) you own all rights in your User Content or have obtained all necessary permissions, consents, and authorizations to submit it; (b) your User Content does not violate any applicable law, regulation, or the rights of any third party; and (c) you have the authority to provide information about household members, estate plan beneficiaries, and other persons whose data you include in User Content.

15.4 Aggregated and Anonymized Data

We may aggregate, anonymize, or de-identify User Content such that it can no longer reasonably be used to identify any individual. Aggregated and de-identified data is not subject to these Terms and may be used by us for any lawful purpose, including statistical analysis, benchmarking, research, and product development.

16. Feedback

If you provide us with any feedback, suggestions, ideas, comments, bug reports, feature requests, or other communications regarding the Service (collectively, "Feedback"), you hereby grant to Summer Slice LLC a non-exclusive, perpetual, irrevocable, worldwide, royalty-free, fully sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such Feedback in any form, media, or technology, whether now known or hereafter developed, for any purpose, without acknowledgment, compensation, or obligation to you. You acknowledge that Feedback is not confidential and that your provision of Feedback is voluntary and unsolicited, and that we are under no fiduciary or other obligation to you with respect to Feedback.

17. Privacy and Data Protection

Our collection, use, storage, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you acknowledge and agree to the data practices described in the Privacy Policy, including the use of cookies, third-party integrations, international data transfers, and information sharing as set forth therein.

• Where required by applicable law, Summer Slice LLC acts as the data controller for personal data processed through the Service.
• We implement reasonable administrative, technical, physical, and organizational safeguards designed to protect personal and financial data, including encryption, row-level security, and access controls.
• Where required by applicable data protection law (including the GDPR, UK GDPR, CCPA/CPRA, and other applicable state and international privacy laws), we respond to verified data rights requests in accordance with such laws.
• You may request data export or deletion at any time by contacting us.

18. Intellectual Property

18.1 Company Ownership

The Service, including but not limited to all software, source code, object code, algorithms, calculation engines, screening methodologies, user interfaces, design, branding (including the OurBarakah and Zaqat names, logos, and trade dress), documentation, and all other Content provided by or on behalf of Summer Slice LLC, is the exclusive property of Summer Slice LLC or its licensors and is protected by applicable copyright, trademark, patent, trade secret, and other Intellectual Property Rights under the laws of the United States and international treaties. All rights not expressly granted to you in these Terms are reserved.

18.2 Restrictions

• You may not reproduce, distribute, publicly display, publicly perform, modify, create derivative works from, sell, license, or otherwise exploit any Content or aspect of the Service without our prior written consent.
• Generated will document templates are licensed to you for your personal, non-commercial use only, and may not be redistributed, resold, or used for commercial purposes.
• AI-generated content from Barakah is provided for your personal educational use only and may not be commercially redistributed, republished, or sublicensed.

18.3 Copyright Infringement (DMCA)

If you believe that any Content on the Service infringes your copyright, you may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA"), 17 U.S.C. § 512, by providing our designated copyright agent with the following information in writing: (a) an electronic or physical signature of the person authorized to act on behalf of the copyright owner; (b) a description of the copyrighted work claimed to be infringed; (c) identification of the material claimed to be infringing and its location on the Service; (d) your contact information; (e) a statement that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (f) a statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf. DMCA notices should be submitted via our contact form.

19. Third-Party Services and Links

The Service integrates with and relies upon various Third-Party Services to provide core functionality, including but not limited to authentication, financial data aggregation, payment processing, AI model inference, investment compliance screening, analytics, hosting, and support communications.

• Your use of any Third-Party Services accessed through or in connection with the Service is subject to the respective terms of service and privacy policies of those third parties. We are not responsible for, and make no representations or warranties regarding, the practices, availability, accuracy, security, or content of any Third-Party Services.
• We do not endorse and shall not be held liable for any data, content, products, services, or other materials provided by or through Third-Party Services, including but not limited to financial account data, investment screening results, AI-generated responses, or payment processing outcomes delivered by third-party providers.
• The Service may contain hyperlinks to external websites or resources not operated by us. We provide such links solely for your convenience and do not control, endorse, or assume responsibility for the content, terms, privacy practices, or availability of such external sites or resources. Your use of such external sites is at your sole risk.

20. Service Changes and Availability

• We may modify, update, suspend, or discontinue all or any part of the Service at any time, with or without notice, at our sole discretion.
• We do not guarantee uninterrupted, error-free, or secure operation of the Service.
• Scheduled maintenance, updates, and infrastructure changes may temporarily affect service availability.
• Service disruptions caused by Third-Party Services (including Plaid, Stripe, OpenAI, Supabase, and others) are outside our control and we shall not be liable for such disruptions.
• We may add, modify, or remove features from any Subscription tier at any time. Material changes affecting paid plans will be communicated to affected subscribers with reasonable advance notice.

21. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE AND ALL CONTENT, FEATURES, TOOLS, CALCULATIONS, SCREENING RESULTS, WILL DOCUMENT TEMPLATES, AI-GENERATED CONTENT, AND OTHER MATERIALS PROVIDED THROUGH THE SERVICE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, COMPATIBILITY, AND TIMELINESS.

21.1 No Professional Advice

THE SERVICE PROVIDES INFORMATIONAL AND EDUCATIONAL TOOLS ONLY. IT DOES NOT PROVIDE, AND SHOULD NOT BE RELIED UPON AS, LEGAL, TAX, INVESTMENT, FINANCIAL, ACCOUNTING, OR RELIGIOUS ADVICE. SUMMER SLICE LLC IS NOT A FINANCIAL INSTITUTION, INVESTMENT ADVISOR, BROKER-DEALER, TAX ADVISOR, ESTATE PLANNING ATTORNEY, LAW FIRM, ACCOUNTING FIRM, OR RELIGIOUS AUTHORITY. YOU ARE SOLELY RESPONSIBLE FOR OBTAINING INDEPENDENT PROFESSIONAL OR SCHOLARLY ADVICE AS APPROPRIATE FOR YOUR SPECIFIC SITUATION, NEEDS, AND OBJECTIVES.

21.2 Zakat Calculations

ZAKAT CALCULATIONS ARE ESTIMATES BASED ON ALGORITHMIC IMPLEMENTATIONS AND THE DATA YOU PROVIDE. WE DO NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR CORRECTNESS OF ANY CALCULATION OUTPUT. CALCULATIONS MAY NOT REFLECT THE RULINGS OF YOUR SPECIFIC SCHOLAR, INSTITUTION, OR SCHOOL OF THOUGHT. YOU ARE SOLELY RESPONSIBLE FOR VERIFYING ALL CALCULATIONS WITH A QUALIFIED ISLAMIC SCHOLAR.

21.3 Investment Screening

INVESTMENT SCREENING RESULTS ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND MAY BE INCOMPLETE, OUTDATED, OR INACCURATE. SCREENING DOES NOT CONSTITUTE A RECOMMENDATION, ENDORSEMENT, OR GUARANTEE. COMPLIANCE STATUSES ARE DYNAMIC AND MAY CHANGE AT ANY TIME WITHOUT NOTICE. SUMMER SLICE LLC ASSUMES NO RESPONSIBILITY FOR INVESTMENT DECISIONS MADE IN RELIANCE ON SCREENING RESULTS.

21.4 Estate Planning and Will Documents

ESTATE PLANNING TOOLS AND GENERATED WILL DOCUMENTS ARE TEMPLATES PROVIDED FOR INFORMATIONAL PURPOSES ONLY. THEY DO NOT CONSTITUTE LEGAL DOCUMENTS UNLESS AND UNTIL REVIEWED, CUSTOMIZED, AND EXECUTED IN ACCORDANCE WITH THE LAWS OF YOUR JURISDICTION BY A QUALIFIED ATTORNEY. SUMMER SLICE LLC IS NOT A LAW FIRM AND DOES NOT PROVIDE LEGAL SERVICES. FARAID CALCULATIONS ARE ALGORITHMIC APPROXIMATIONS AND MAY NOT ACCOUNT FOR ALL JURISDICTIONAL REQUIREMENTS, COMMUNITY PROPERTY RULES, OR SCHOLARLY OPINIONS.

21.5 AI-Generated Content

AI-GENERATED CONTENT, INCLUDING ALL RESPONSES FROM THE BARAKAH ASSISTANT, IS PROVIDED FOR EDUCATIONAL PURPOSES ONLY AND MAY CONTAIN ERRORS, INACCURACIES, HALLUCINATIONS, OR OUTDATED INFORMATION. SUMMER SLICE LLC DISCLAIMS ALL WARRANTIES AND REPRESENTATIONS REGARDING THE ACCURACY, COMPLETENESS, RELIABILITY, OR SUITABILITY OF AI-GENERATED CONTENT FOR ANY PARTICULAR PURPOSE. AI-GENERATED CONTENT DOES NOT CONSTITUTE PROFESSIONAL ADVICE OF ANY KIND.

21.6 Third-Party Data and Services

WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF DATA OR SERVICES PROVIDED BY THIRD PARTIES, INCLUDING BUT NOT LIMITED TO PLAID (FINANCIAL DATA AND HOLDINGS), RIZQINVESTS (SHARIAH SCREENING DATA), OPENAI (AI RESPONSES), STRIPE (PAYMENT PROCESSING), AND THIRD-PARTY PRECIOUS METAL PRICING SOURCES (GOLD AND SILVER PRICES USED FOR NISAB CALCULATIONS). THIRD-PARTY DATA MAY BE DELAYED, INCOMPLETE, OR INACCURATE, AND WE SHALL NOT BE LIABLE FOR ANY RELIANCE THEREON.

22. Assumption of Risk

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE DEALS WITH SENSITIVE FINANCIAL, LEGAL, AND RELIGIOUS MATTERS. YOU ASSUME FULL RESPONSIBILITY FOR ALL RISKS ASSOCIATED WITH YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO:

• RELIANCE ON ZAKAT CALCULATIONS, NISAB THRESHOLDS, OR PAYMENT TRACKING FOR DETERMINING RELIGIOUS OBLIGATIONS.
• RELIANCE ON INVESTMENT SCREENING RESULTS FOR MAKING INVESTMENT DECISIONS.
• USE OF GENERATED WILL DOCUMENT TEMPLATES OR FARAID CALCULATIONS FOR ESTATE PLANNING.
• RELIANCE ON AI-GENERATED CONTENT FOR FINANCIAL, LEGAL, OR RELIGIOUS MATTERS.
• SUBMISSION OF PERSONAL OR FINANCIAL INFORMATION TO THE SERVICE OR ITS THIRD-PARTY INTEGRATIONS.
• ANY ACTIONS TAKEN OR DECISIONS MADE BASED ON INFORMATION OBTAINED THROUGH THE SERVICE.

23. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SUMMER SLICE LLC, ITS AFFILIATES, SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS (COLLECTIVELY, THE "RELEASED PARTIES") BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, USE, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SERVICE, THESE TERMS, OR ANY CONTENT, FEATURES, OR MATERIALS AVAILABLE THROUGH THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, WARRANTY, OR OTHERWISE), AND REGARDLESS OF WHETHER THE RELEASED PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, THE RELEASED PARTIES SHALL NOT BE LIABLE FOR DAMAGES ARISING FROM OR RELATED TO:

• INACCURATE, INCOMPLETE, OR INCORRECT ZAKAT CALCULATIONS OR NISAB THRESHOLDS.
• INCORRECT, INCOMPLETE, OR OUTDATED INVESTMENT SCREENING RESULTS.
• ERRORS, OMISSIONS, OR INACCURACIES IN ESTATE PLANNING CALCULATIONS OR GENERATED WILL DOCUMENT TEMPLATES.
• INACCURATE, MISLEADING, HARMFUL, OR OFFENSIVE AI-GENERATED CONTENT.
• FINANCIAL, LEGAL, RELIGIOUS, OR OTHER LOSSES RESULTING FROM RELIANCE ON ANY INFORMATION PROVIDED BY THE SERVICE.
• UNAVAILABILITY, ERRORS, OUTAGES, OR DATA LOSS IN THIRD-PARTY INTEGRATIONS (INCLUDING PLAID, STRIPE, OPENAI, AND RIZQINVESTS).
• UNAUTHORIZED ACCESS TO YOUR ACCOUNT RESULTING FROM YOUR FAILURE TO MAINTAIN ADEQUATE CREDENTIAL SECURITY.
• DECISIONS, ACTIONS, OR OMISSIONS BY YOU OR ANY THIRD PARTY BASED ON INFORMATION OR OUTPUTS FROM THE SERVICE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE AGGREGATE LIABILITY OF THE RELEASED PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNTS ACTUALLY PAID BY YOU TO SUMMER SLICE LLC FOR THE SERVICE DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED UNITED STATES DOLLARS (USD $100.00).

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, the foregoing limitations shall apply to the fullest extent permitted by applicable law. Nothing in these Terms shall exclude or limit liability that cannot be excluded or limited under applicable law.

24. Indemnification

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the Released Parties from and against any and all claims, actions, suits, proceedings, demands, liabilities, damages, judgments, settlements, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to:

• Your access to or use of the Service.
• User Content you submit, upload, or transmit through the Service.
• Your violation or breach of any provision of these Terms, our Privacy Policy, or any applicable law, rule, or regulation.
• Your use of generated will documents, zakat calculations, investment screening results, AI-generated content, or any other output of the Service.
• Any claims by household members, estate plan beneficiaries, or other third parties whose data you provided to the Service.
• Your failure to obtain required consents, authorizations, or permissions from any third party whose information you submit to the Service.
• Your infringement or misappropriation of any Intellectual Property Right or other right of any third party.
• Any dispute between you and any third party arising from your use of the Service.

We reserve the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification hereunder, in which event you will cooperate with us in asserting any available defenses.

25. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

25.1 Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first attempt to resolve the dispute informally by contacting us and providing a written description of the dispute, including the nature of the claim and the specific relief sought. We will attempt to resolve the dispute through good-faith negotiation within sixty (60) days of receipt of your written notice.

25.2 Binding Arbitration

If informal resolution is unsuccessful, any dispute, claim, or controversy arising out of or relating to these Terms, the Privacy Policy, or the Service, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, except as modified by these Terms. The arbitration shall be conducted by a single arbitrator, in the English language, and at a location determined by the AAA rules. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

25.3 Class Action Waiver

YOU AND SUMMER SLICE LLC AGREE THAT ANY ARBITRATION OR COURT PROCEEDING SHALL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, REPRESENTATIVE, OR COLLECTIVE ACTION. YOU EXPRESSLY WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT, CLASS ARBITRATION, OR ANY OTHER REPRESENTATIVE OR COLLECTIVE PROCEEDING. IF A COURT OR ARBITRATOR DETERMINES THAT THIS CLASS ACTION WAIVER IS UNENFORCEABLE, THEN THE ENTIRETY OF THIS ARBITRATION PROVISION SHALL BE NULL AND VOID, AND THE DISPUTE SHALL PROCEED IN COURT.

25.4 Jury Trial Waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AND SUMMER SLICE LLC EACH WAIVE ANY RIGHT TO A JURY TRIAL IN ANY LITIGATION ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE.

25.5 Governing Law

These Terms and any disputes arising hereunder shall be governed by and construed in accordance with the laws of the State in which Summer Slice LLC is organized, without regard to its conflict-of-law principles, except where preempted by federal law. Mandatory consumer protection laws of your jurisdiction of residence may also apply to the extent they cannot be waived by agreement.

25.6 Exceptions to Arbitration

Notwithstanding the foregoing, either party may: (a) seek injunctive or other equitable relief in a court of competent jurisdiction for matters involving Intellectual Property Rights, unauthorized access, or other urgent matters where interim relief is necessary to prevent irreparable harm; and (b) bring claims in small claims court if all requirements of that court are satisfied and the claim is within the court's jurisdictional limits. Claims that do not exceed the small claims court jurisdictional limit are exempt from the arbitration requirement.

25.7 Statute of Limitations

To the extent permitted by applicable law, any claim or cause of action arising out of or relating to these Terms or the Service must be filed within one (1) year after the claim or cause of action arose; otherwise, such claim or cause of action shall be permanently barred. This limitation period does not apply to claims where a longer limitation period is required by applicable mandatory law.

26. Termination

26.1 Termination by You

You may stop using the Service and request deletion of your account at any time by using the account deletion feature in your account settings or by contacting us.

26.2 Termination by Us

We may suspend, disable, or terminate your account and access to the Service, in whole or in part, at any time, with or without notice, if we reasonably believe that: (a) you have violated any provision of these Terms; (b) your conduct poses a security risk to the Service or other users; (c) your use involves fraudulent, abusive, or illegal activity; or (d) termination is required by applicable law or a valid governmental request.

26.3 Effect of Termination

• Upon termination, your right to access and use the Service and all paid features ceases immediately.
• Your data will be retained for a reasonable period to allow for data export requests, after which it will be deleted in accordance with our data retention policies as described in our Privacy Policy.
• Any outstanding payment obligations shall survive termination.
• The following sections shall survive any termination or expiration of these Terms: Section 2 (Definitions), Section 7 (No Fiduciary Relationship), Section 15 (User Content and Data), Section 16 (Feedback), Section 18 (Intellectual Property), Section 21 (Disclaimers), Section 22 (Assumption of Risk), Section 23 (Limitation of Liability), Section 24 (Indemnification), Section 25 (Dispute Resolution and Arbitration), this Section 26.3, and Section 28 (Miscellaneous).

27. Export Controls and Sanctions Compliance

The Service may be subject to export control and sanctions laws and regulations of the United States and other jurisdictions, including the Export Administration Regulations ("EAR") and regulations administered by the Office of Foreign Assets Control ("OFAC"). You agree that you will not, directly or indirectly, export, re-export, transfer, or make available the Service or any part thereof: (a) to any country, entity, or person subject to U.S. trade sanctions or embargoes; (b) to anyone on the U.S. Treasury Department's Specially Designated Nationals List, the U.S. Commerce Department's Denied Persons List or Entity List, or similar restricted party lists; or (c) for any purpose prohibited by applicable export control or sanctions laws.

28. Changes to These Terms

We reserve the right to modify, amend, or update these Terms at any time in our sole discretion. When we make changes, we will update the "Last Updated" date at the top of these Terms. For material changes, we will provide additional notice via email to the address associated with your account or through a prominent notice within the Service, as required by applicable law. Material changes will become effective on the date specified in the notice or, if no date is specified, thirty (30) days after the date of the notice. Your continued access to or use of the Service after the effective date of any updated Terms constitutes your binding acceptance of such updated Terms. If you do not agree to the updated Terms, you must immediately discontinue all use of the Service.

29. Miscellaneous

• Entire Agreement. These Terms, together with our Privacy Policy, any Subscription-specific terms, and any other legal notices or agreements published by us on the Service, constitute the entire agreement between you and Summer Slice LLC with respect to the subject matter hereof and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding such subject matter.
• Severability. If any provision of these Terms is held by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms. The remaining provisions shall continue in full force and effect.
• No Waiver. The failure of Summer Slice LLC to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of Summer Slice LLC.
• Assignment. You may not assign, transfer, or delegate your rights or obligations under these Terms without our prior written consent. We may freely assign, transfer, or delegate our rights and obligations under these Terms to any affiliate or successor entity, or in connection with any merger, acquisition, corporate restructuring, or sale of all or substantially all of our assets, without restriction and without notice to you.
• Force Majeure.Summer Slice LLC shall not be liable for any failure or delay in the performance of its obligations under these Terms caused by events beyond its reasonable control, including but not limited to acts of God, natural disasters, epidemics, pandemics, war, terrorism, riots, civil unrest, government actions or orders, labor disputes, fire, power outages, telecommunications failures, cyberattacks, third-party service outages, or any other event or circumstance that is beyond our reasonable control (each, a "Force Majeure Event").
• Electronic Communications.By using the Service, you consent to receiving electronic communications from us regarding your account, the Service, and changes to these Terms or our Privacy Policy. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You acknowledge and agree that by creating an account or using the Service, you are entering into these Terms electronically, and that this electronic agreement is as legally binding as a physical, signed contract, in compliance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq., and applicable state laws.
• No Third-Party Beneficiaries. These Terms are entered into solely between you and Summer Slice LLC. Except as expressly provided herein, nothing in these Terms shall confer any rights, remedies, obligations, or liabilities upon any third party, including but not limited to household members, estate plan beneficiaries, or users of Third-Party Services.
• Headings. The section and subsection headings in these Terms are for convenience of reference only and shall not affect the interpretation or construction of these Terms.
• Construction.These Terms shall not be construed against either party by reason of the authorship or alleged authorship of any provision hereof. The word "including" (and its variants) means "including but not limited to."
• Notices. All notices required or permitted under these Terms shall be in writing and shall be delivered to us via our contact form. Notices to you may be sent to the email address associated with your account or published within the Service. Notices shall be deemed received upon delivery (for email) or upon posting (for in-Service notices).

30. Contact Information

For questions, concerns, or notices regarding these Terms, please contact: