• Terms & Conditions for ifacbd.com

Effective Date: 9 April 2025

Welcome to ifacbd.com. By accessing or using this website, you agree to comply with the following Terms and Conditions. These terms govern your use of our platform and the services we provide. If you do not agree with any of these terms, please refrain from using our services.

1. General

These Terms and Conditions apply to all users of ifacbd.com, which is operated and managed by IFA Consultancy Limited. We reserve the right to update these terms at any time, and continued use of the website will be considered acceptance of any modifications.

2. Services Offered

ifacbd.com provides services in the following areas:

• Shariah Consultancy for individuals, businesses, institutions, etc.

• Training on Islamic Finance through recorded and live sessions.

• Islamic Finance Research Services and publications.

• AAOIFI Exam Partnership, including preparation resources and support.

We aim to deliver accurate, compliant, and well-researched content, developed either in-house or in collaboration with qualified scholars and industry professionals.

3. User Registration

To access certain services (including paid courses or consultancy booking), users may be required to register an account by providing accurate personal information. Users are responsible for:

• Maintaining the confidentiality of their credentials

• Ensuring all provided information is true and current

• Informing us immediately of any unauthorized activity on their account

4. Payments & Transactions

Payments for services or courses can be made via:

• Mobile payments (bKash, Nagad, Rocket)

• Bank transfers

• Credit/debit cards (via integrated gateways)

• Other methods as made available on the platform

All payments are subject to confirmation. Access to paid services is granted only after successful transaction completion.

5. Refund & Cancellation Policy

Due to the digital and advisory nature of our services, all sales are final and non-refundable once access has been granted or consultation delivered.

Exceptions may apply under these limited circumstances:

• Duplicate payment made in error

• Technical error on our platform that prevents access to the purchased service

• Cancellations requested before service delivery

Refund requests (if eligible) must be submitted within 24 hours of payment to [info@ifacbd.com].

6. Use of Content & Intellectual Property

All content published on this platform — including videos, course materials, research publications, and consultancy resources — are the intellectual property of ifacbd.com or its partners.

You may not:

• Republish or redistribute our content

• Sell or sublicense our materials

• Use the materials for unauthorized commercial purposes

Any violation may result in legal action and permanent account termination.

7. User Conduct

While using this site, you agree not to:

• Violate any local, national, or international laws

• Use the website for unlawful, misleading, or harmful purposes

• Disrupt the functionality or security of the site

• Misrepresent yourself or impersonate others

We reserve the right to remove or block any user violating these conditions.

8. Limitation of Liability

We strive to ensure accuracy and service availability, but:

• We do not guarantee uninterrupted access

• We do not provide financial or legal advice unless explicitly stated

• We are not liable for any loss, damage, or disruption caused by use of our platform or reliance on any information therein

9. Privacy & Data Protection

By using our site, you consent to the collection and use of personal information as outlined in our Privacy Policy. We do not sell or misuse your data and only use it to deliver and improve our services.

10. Termination

We reserve the right to suspend or terminate any account found violating these Terms, involved in fraudulent activity, or engaging in harmful behavior. Users may also close their accounts by contacting us at any time.

If you have questions about these Terms, or any issue with our platform, please reach out to us at

• 
  info@ifacbd.com
  
• 
  ifacbd.com