Raswad is an educational and informational platform only. We do NOT provide:
Financial advice or investment recommendations
Professional investment management services
Licensed financial, tax, or legal advice
Any form of regulated financial services
We hold NO financial licenses. All content is for educational purposes only. You must consult with licensed financial professionals before making any investment decisions.
Acceptance of Terms
By accessing or using Raswad ("the Platform", "we", "our", "us"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services.
These terms constitute a legally binding agreement between you and Raswad. Your continued use of the platform signifies your acceptance of any updates or modifications to these terms.
Description of Service
Raswad provides an educational platform for learning about stocks, Shariah-compliant investing, and Islamic finance principles. Our services include:
AI Stock Analysis: Educational insights about public companies using AI technology
Shariah Compliance Screening: Information about stocks' alignment with Islamic finance principles
Portfolio Tracking: Tools to track and analyze stock portfolios for educational purposes
Market Data: Access to public market information from third-party providers
Educational Content: Articles, guides, and resources about investing and Islamic finance
All content, analysis, and tools are provided solely for educational and informational purposes.
Educational Purpose Only
You acknowledge and agree that:
No Financial Advice: Nothing on this platform constitutes financial, investment, tax, or legal advice. All information is for educational purposes only.
No Professional Relationship: Use of this platform does not create any advisor-client, fiduciary, or professional relationship.
Not Licensed: Raswad is not a registered investment advisor, broker-dealer, or financial institution. We hold no financial licenses.
No Recommendations: Any mention of specific stocks, securities, or investment strategies is for educational discussion only and not a recommendation to buy or sell.
Consult Professionals: You must consult with licensed financial advisors, tax professionals, and Islamic scholars before making any investment or financial decisions.
Shariah Compliance: While we provide information about Shariah compliance, final determination should be made by qualified Islamic scholars or certified Shariah advisors.
User Responsibilities
As a user of Raswad, you agree to:
Provide accurate, current, and complete information when creating an account
Maintain the security of your account credentials
Use the platform only for lawful, educational purposes
Not attempt to manipulate, exploit, or abuse the platform or its features
Not engage in any activity that could harm or disrupt the platform
Not use automated systems (bots, scrapers) without permission
Comply with all applicable laws and regulations
Take full responsibility for all investment decisions you make
Conduct your own due diligence before any investment
AI-Generated Content
Raswad uses artificial intelligence to generate stock analysis and insights. You understand that:
AI-generated content may contain errors, inaccuracies, or outdated information
AI analysis is based on available data and may not reflect current market conditions
AI cannot predict future performance or guarantee investment outcomes
You should independently verify all AI-generated information
AI insights are educational opinions, not professional recommendations
Data Accuracy and Third-Party Sources
Market data, stock prices, and company information are obtained from third-party providers (Polygon.io, Finnhub, Zoya). We strive for accuracy but:
We do not guarantee the accuracy, completeness, or timeliness of any data
Data may be delayed, incorrect, or incomplete
We are not responsible for errors in third-party data
You should verify all information through official sources
Past performance data does not predict future results
Risk Disclaimer
Investing in stocks and securities involves substantial risk. You acknowledge that:
All investments carry risk of loss, including total loss of principal
Past performance does not guarantee future results
Market volatility can result in significant losses
You are solely responsible for your investment decisions and their outcomes
You should only invest money you can afford to lose
You understand the risks before investing
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
Raswad and its affiliates are NOT LIABLE for any investment losses, damages, or financial harm
We provide the platform "AS IS" without warranties of any kind
We do not guarantee platform availability, accuracy, or error-free operation
We are not liable for any direct, indirect, incidental, or consequential damages
You use the platform at your own risk
Our total liability shall not exceed the amount you paid to use the platform (if any)
Intellectual Property
All content, features, and functionality on Raswad (including but not limited to text, graphics, logos, code, and software) are owned by Raswad and protected by intellectual property laws.
You may not copy, reproduce, distribute, modify, or create derivative works without our express written permission.
Account Termination
We reserve the right to suspend or terminate your account at any time, for any reason, including:
Violation of these Terms of Service
Fraudulent or illegal activity
Abuse of platform features or resources
At our discretion without prior notice
Privacy
Your use of Raswad is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect and use your information.
Modifications to Terms
We may modify these Terms of Service at any time. We will notify you of material changes via email or platform notice. Continued use after changes constitutes acceptance of the modified terms.
Governing Law
These terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration or in courts of competent jurisdiction.
Severability
If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Contact Information
For questions about these Terms of Service, please contact:
By using Raswad, you explicitly acknowledge that you have read, understood, and agreed to these Terms of Service. You confirm that you understand Raswad is an educational platform only, provides no financial advice, holds no financial licenses, and that you are solely responsible for all investment decisions. You agree to hold Raswad harmless for any financial losses or damages resulting from your use of the platform.