Terms of service
1. Who we are
Hawl is operated by Inner Core Studios, [address], registered with the Dutch Chamber of Commerce (KvK) under number 73990744, VAT number [VAT number]. You can reach us at [contact email].
2. What the service does
Hawl works out the zakat of a business from figures you provide, such as a trial balance exported from your accounting software. It follows published methods (AAOIFI Shari’ah Standard 35 and the business guidance of the National Zakat Foundation), keeps your zakat years and statements, and can remind you before your zakat date.
3. Not a fatwa, and not financial, tax or legal advice
The result depends on the figures you enter and the choices you make, such as the method, the category of each account and the values you add. The service applies the rules of the chosen method to them; it does not issue religious rulings. You remain responsible for your zakat, for checking the statement and for paying it. For questions about your own situation, ask a qualified scholar. The service is not tax or accounting advice.
4. Your account
- You must be at least 16 years old and give correct details.
- Keep your password to yourself. Each person who uses the service needs their own login.
- The owner of a workspace manages its plan and its team, and is responsible for the people they invite.
5. Plans and payment
- The Free plan costs nothing and has no time limit. Paid plans are billed in advance, monthly or yearly, through our payment provider Stripe.
- Prices exclude VAT, which is added where it applies.
- Paid plans renew automatically until you cancel. You can cancel at any time in the billing portal; the plan then runs until the end of the period you paid for.
- If a payment fails and is not completed after the payment provider’s retries, the workspace returns to the Free plan. Your data stays.
- We may change prices with at least 30 days’ notice by email. A new price applies from your next renewal, and you can cancel before then.
- If you are a consumer in the EU, you may cancel within 14 days of your first payment. By using paid features straight away you ask us to start immediately; if you cancel within the 14 days, we refund what you paid minus the part of the period you used.
- Apart from that, payments are not refunded for partial periods, unless the law requires it.
6. Your data
The figures, businesses and statements you put in remain yours. You allow us to store and process them only to provide the service to you. You can export them and delete them at any time. Our privacy policy explains what we store and why.
7. Accountants and their clients
If you use the service for other people, such as your clients and their owners or shareholders, you are responsible for having a lawful basis to do so, including explicit consent where data can reveal a religious belief. For that data we act as your processor, and our data processing agreement is part of these terms.
8. Fair use
- Don’t use the service for anything unlawful, or to store data you have no right to store.
- Don’t try to get around security, limits or access controls, or overload the service.
- Don’t resell access to the service without our written agreement.
9. Availability and changes
We work to keep the service available and your data safe, but we can’t promise it will never be interrupted. We may improve and change the service. We will tell you by email in good time about changes that reduce what your paid plan includes.
10. Liability
To the extent the law allows, our liability is limited to the amount you paid us in the 12 months before the event that caused the damage. We are not liable for indirect damage, or for amounts of zakat that are wrong because of the figures or choices entered. Nothing in these terms limits liability for damage caused intentionally or through gross negligence, or the mandatory rights of consumers.
11. Ending
You can delete your account at any time in your settings. We may suspend or close an account that breaks these terms; where possible we tell you first and give you a chance to export your data.
12. Law
Dutch law applies. Disputes go to the competent court in the Netherlands. If you are a consumer, you keep the protection of the law of the country where you live, and you can also go to the court there.
13. Changes to these terms
If we change these terms in a way that matters to you, we will email you at least 30 days before the change takes effect.