Terms of Service

These terms explain the agreement between you and the team that runs Amaanah Vault ("we", "us"). Please read them carefully. By creating an account, or by pressing Accept, you agree to them.

1. What Amaanah Vault is

Amaanah Vault is a private record-keeping service. It helps you record loans, repayments, agreements, assets, documents and wishes, and share some of them with people you choose.

2. What Amaanah Vault is not

  • We do not lend money, arrange loans, or connect lenders with borrowers. Only lend to people you know personally.
  • We are not a party to any loan or agreement recorded on Amaanah Vault, and we do not enforce repayment.
  • A loan agreement or written agreement on Amaanah Vault records what the people involved agreed. It may not be legally binding where you live, and it does not replace legal advice.
  • A record in the Wasiyyah Builder is not a will. Our Faraid and Zakat calculators give estimates, not a fatwa. Please confirm important matters with a qualified scholar, lawyer or adviser.

3. Your account

  • You must give true and complete details, keep your password secret, and tell us straight away if you think someone else has used your account.
  • You are responsible for what happens on your account. We strongly recommend two-step sign-in, and it is required before you give anyone access rights.
  • One person, one account. Do not create accounts to build a false trust record, or use someone else's details.

4. Using Amaanah Vault fairly

You agree not to:

  • record false loans, payments or agreements, or pressure, threaten or harass anyone through the service;
  • send loan requests or agreements to people you do not know;
  • upload anything unlawful, or anything you do not have the right to share;
  • try to access other people's records, test or break our security, or overload the service.

We may suspend or close an account that breaks these terms, and we may report serious misuse to the authorities.

5. Witnesses, guarantors and other people

When you name someone (a witness, guarantor, trusted contact or executor), you confirm you have their permission to give us their details. They will be emailed and can decline.

6. Plans and payments

  • Amaanah Lite is free. Paid plans are billed monthly or yearly in advance through Stripe or Paystack, and renew until you cancel. Cancelling stops the next renewal; you keep the plan until the paid period ends.
  • Prices may change. A change applies from your next renewal, and we will tell you before it does.
  • Payments already made are not refunded, except where the law requires it or we agree otherwise.

7. Your content

Your records and files remain yours. You allow us to store, process and back them up only to run Amaanah Vault for you and the people you share them with. You can download all your data, or close your account, at any time from Settings.

8. Access after death or incapacity

Someone you name may ask for access to your records. Access is only granted after a waiting period, after you have had the chance to object, and after our team has checked the evidence. Access is read-only, time-limited and can be revoked.

9. Our service

We work hard to keep Amaanah Vault available and your data safe, but we cannot promise the service will never be interrupted or free of errors. Keep your own copies of important documents.

10. Our responsibility to you

We are responsible for loss caused by our failure to take reasonable care, but not for losses between members, for decisions you make based on your records or our calculators, or for loss we could not have foreseen. Nothing in these terms limits responsibility that cannot be limited by law.

11. Changes to these terms

We may update these terms. If a change is important, we will ask you to read and accept the new version before you continue using Amaanah Vault.

12. Contact

Questions about these terms? Use our Contact page or email our team.