Terms of Service
Last Updated: October 12, 2025
Welcome to UseToolsNow. These Terms of Service ("Terms") govern your use of our website and Islamic finance tools. By accessing or using UseToolsNow.com, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.
1. Acceptance of Terms
By accessing and using UseToolsNow.com, you accept and agree to be bound by these Terms of Service and our Privacy Policy. We reserve the right to modify these Terms at any time. Your continued use of the website after any changes constitutes acceptance of the revised Terms.
2. Description of Services
UseToolsNow provides free, web-based Islamic finance tools, including but not limited to Zakat calculators, investment screeners, and mortgage calculators. All calculations are performed locally in your web browser, and we do not store your financial data on our servers.
3. Shariah Compliance Disclaimer
3.1 Not Religious Advice
IMPORTANT: The Islamic finance tools provided on this website are for informational and educational purposes only. They are NOT a substitute for professional religious guidance or scholarly opinion (fatwa). The calculations and information provided are based on commonly accepted Islamic jurisprudence principles and scholarly opinions.
3.2 Consult Local Scholars
Islamic rulings can vary based on different schools of thought (madhabs) and contemporary scholarly interpretations. Users are strongly encouraged to consult with qualified local Islamic scholars or Shariah advisory boards for specific guidance on their financial obligations, especially for matters involving Zakat, Halal investments, and Islamic financing.
3.3 Madhab Variations
Where applicable, our tools may provide options for different madhab rulings. However, the availability of these options does not constitute an endorsement of any particular school of thought. Users should follow the guidance of their trusted scholars.
3.4 No Shariah Certification
While our tools are designed based on Islamic principles and reviewed for accuracy, UseToolsNow and its tools are not certified or endorsed by any official Shariah board or Islamic authority. We do not claim to provide official Shariah certification for any financial product or transaction.
4. Not Financial Advice
The tools and information provided on UseToolsNow are for informational purposes only and should not be considered as financial, investment, tax, or legal advice. We are not financial advisors, certified public accountants, or legal professionals. You should consult with qualified professionals for advice specific to your situation. Any decisions you make based on the information provided through our tools are made at your own risk.
5. Accuracy of Calculations
5.1 Best Efforts
We make reasonable efforts to ensure the accuracy of our calculators and tools. However, we do not warrant that the calculations will be accurate, complete, or error-free. Calculation results may vary based on input data, currency exchange rates, gold/silver prices, and other factors.
5.2 User Responsibility
Users are responsible for verifying the accuracy of all calculations and ensuring they meet their religious and legal obligations. We recommend double-checking all calculations and consulting with qualified professionals before making financial decisions.
5.3 Third-Party Data
Some tools may rely on third-party data sources (such as gold prices, exchange rates, or nisab thresholds). We are not responsible for the accuracy or availability of such third-party data.
6. Limitation of Liability
6.1 No Warranties
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
6.2 Limited Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, USETOOLSNOW, ITS OWNERS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR OTHER INTANGIBLE LOSSES, RESULTING FROM: (a) Your use or inability to use our services; (b) Any errors or inaccuracies in calculations or content; (c) Any unauthorized access to your data; (d) Any interruption or cessation of services.
6.3 Jurisdictional Limitations
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.
7. User Conduct and Acceptable Use
You agree to use UseToolsNow only for lawful purposes and in accordance with these Terms. You agree NOT to: (a) Use the service in any way that violates applicable laws or regulations; (b) Attempt to interfere with, compromise, or disrupt the website or servers; (c) Use automated tools (bots, scrapers) to access or collect data from our website without permission; (d) Engage in any activity that could harm the website, other users, or third parties; (e) Attempt to reverse engineer or extract the source code of our tools.
8. Intellectual Property
8.1 Our Rights
All content, features, and functionality on UseToolsNow, including but not limited to text, graphics, logos, calculator algorithms, and software, are owned by UseToolsNow and are protected by international copyright, trademark, and other intellectual property laws.
8.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our website and tools for personal, non-commercial purposes. This license does not include any right to: (a) Resell or make commercial use of the services; (b) Modify or create derivative works; (c) Download or copy content except for personal use; (d) Use data mining, robots, or similar data gathering tools.
8.3 User Feedback
If you provide feedback, suggestions, or ideas about our services, you grant us the right to use such feedback without any obligation to compensate you.
9. Privacy and Data Protection
Your use of UseToolsNow is subject to our Privacy Policy, which explains how we collect, use, and protect your information. Please review our Privacy Policy to understand our practices. We emphasize that all financial calculations are performed locally in your browser, and we do not store your financial data.
10. Third-Party Links and Services
Our website may contain links to third-party websites or services (such as gold price APIs, currency converters, or educational resources). We are not responsible for the content, privacy policies, or practices of any third-party sites. We do not endorse or assume any responsibility for third-party services. You access third-party sites at your own risk.
11. Advertising
UseToolsNow may display third-party advertisements (such as Google AdSense). We are not responsible for the content of these advertisements. Advertisers are solely responsible for ensuring their ads comply with applicable laws. Your interactions with advertisers are solely between you and the advertiser.
12. Service Modifications and Termination
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without notice. We may also impose limits on certain features or restrict access to parts or all of the website without liability. You agree that UseToolsNow shall not be liable to you or any third party for any modification, suspension, or discontinuation of services.
13. Indemnification
You agree to indemnify, defend, and hold harmless UseToolsNow, its owners, employees, contractors, and affiliates from any claims, liabilities, damages, losses, and expenses (including reasonable attorney fees) arising from: (a) Your use of our services; (b) Your violation of these Terms; (c) Your violation of any rights of another party; (d) Your violation of applicable laws or regulations.
14. Dispute Resolution and Governing Law
14.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where UseToolsNow operates, without regard to conflict of law provisions. For users in the GCC, applicable local laws shall also apply.
14.2 Dispute Resolution
Any disputes arising from these Terms or your use of our services shall first be attempted to be resolved through good faith negotiations. If negotiations fail, disputes shall be resolved through binding arbitration or in the courts of competent jurisdiction, as applicable in your region.
14.3 Class Action Waiver
To the extent permitted by law, any dispute shall be resolved on an individual basis. You agree to waive any right to participate in class actions or class-wide arbitration.
15. Geographic Restrictions
UseToolsNow is intended for use in the GCC countries (Saudi Arabia, UAE, Kuwait, Qatar, Bahrain, Oman), MENA region, United States, European Union, and other countries where our services comply with local laws. We make no representation that our services are appropriate or available for use in all locations. Users who access our services from jurisdictions where the content is illegal are prohibited from doing so.
16. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
17. Entire Agreement
These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and UseToolsNow regarding your use of our services and supersede all prior agreements and understandings.
18. Contact Information
If you have any questions about these Terms of Service, please contact us at:
Email: support@usetoolsnow.com
For questions about Shariah compliance, please consult with qualified Islamic scholars in your area.
Acknowledgment
BY USING USETOOLSNOW, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.