Terms

These terms apply when you use Nuqud. By using the site, you accept them. Nuqud is run by [Your name or company]. You can contact us at info@nuqud.co.uk.

Education, not advice

Nuqud explains how money works in the UK. It isn’t financial, investment, tax, legal or religious advice, and nothing on it is a personal recommendation or an invitation to buy, sell or invest in anything.

We aren’t authorised by the Financial Conduct Authority, and we don’t give regulated advice or arrange products. We don’t know your circumstances, so check the details with the provider, and speak to a regulated adviser before making a decision that matters to you.

Not religious rulings

We explain what scholars and standards say, and where they differ. Where we give worked shares or sums, we say which school or standard we’ve followed. We aren’t scholars, and nothing here is a fatwa. Take questions of ruling to a scholar you trust.

When we describe a product as shariah compliant, or name the contract it uses, we’re reporting what the provider says about it. Whether it satisfies you is your own judgement.

Rates, figures and dates

Savings and home finance rates are checked against providers’ own pages each morning, and every rate shows when it was last confirmed. “Reported” means we couldn’t confirm it on the provider’s own page. Rates change, expected profit isn’t guaranteed, and a provider can withdraw a product at any time. Always confirm with the provider before you apply.

Calculators and tools

Our calculators give illustrations based on what you enter and on assumptions we show you. They aren’t forecasts or advice. The share screener applies published screening standards to the figures you enter or that we fetch from a data provider. Those figures can be out of date or wrong, and a result isn’t a recommendation to buy or sell a share.

If you ask us to email your results, we send a copy of the figures on your screen. Check them before relying on them.

Links, affiliates and partner content

We link to other websites, including banks and other providers. We aren’t responsible for their content, products or privacy practices.

Some links may pay us a fee if you open a product. That costs you nothing extra and never changes a rate, a ranking or the order of a table. Paid articles and sponsorships are labelled “Partner content” or “Supported by”. We only publish a financial promotion once a firm authorised by the FCA has approved it.

Comments

You’re responsible for what you post. Be kind and stay on topic. Don’t post personal or financial details about yourself or anyone else, advertising, anything unlawful, or anything that infringes someone else’s rights. We check comments before they appear, and we can edit or remove any comment.

By posting, you let us publish your comment on Nuqud and in related emails, with the name you gave.

Using our content

The words, designs, calculators and illustrations on Nuqud belong to us or our licensors. You’re welcome to share links and to quote short passages with a link back. Please don’t copy whole pages, republish our tables or scrape the site without our permission.

Company names and logos belong to their owners. We use them only to identify those companies, and their use doesn’t mean they endorse Nuqud or partner with us.

Our responsibility to you

We work hard to keep Nuqud accurate and up to date, but we can’t promise it’s free of errors or always available. As far as the law allows, we aren’t liable for any loss that comes from relying on the site, from a decision you make using it, or from the site being unavailable.

Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else that can’t be limited by law. Nothing in them affects your statutory rights as a consumer.

Changes and law

We may update these terms. The version on this page applies from the date it’s published. These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction, though if you live elsewhere in the UK you can also bring a claim in your local courts.