The commitments we make to every person who opens Rafiq — on their money, their faith, and the distance between.
Rafiq sits at an intersection most products never see — the place where a person's financial life meets the faith they're trying to live. We don't take that lightly. This Trust Charter is how we hold ourselves accountable to you, in plain language, without the legal armor. Read it as a contract. If we break it, tell us, and hold us to fixing it.
Every calculation follows the school you choose. Switching madhab is never a conversion — it's a setting. We apply the right rules, show our work, and never favor one school over another.
No black boxes. Zakat figures and halal screens show the rules applied and the thresholds used. In the app, Ask Rafiq answers list their sources when they draw on Rafiq's reference material.
Where scholars differ on a rule, Rafiq says so and points you to a scholar. We would rather leave a question open than fake certainty.
We don't sell your data. We don't share it with advertisers. We don't build behavioral profiles. What Rafiq knows about you is used to serve you — and only that.
Rafiq is a calculator and a companion, not a custodian. Donations move through verified charity partners. Your accounts stay at your banks. We're the layer on top — not the layer in between.
Money and faith are both easy places to feel judged. Rafiq tries to feel like a friend who has already done the reading — helpful, patient, never condescending, never loud.
Rafiq's rules are based on classical texts and recognized contemporary scholarship within each school. We don't invent fiqh, and we don't average across schools. Where we had to choose between published positions, such as the stock screening limits on our methodology page, we say which one we chose.
Rafiq has not yet been reviewed by a Shariah board, and no scholar has signed off on its rules. Treat it as a calculation aid, not a fatwa, and take questions about your own situation to a qualified scholar.
You can read the full Privacy Policy for exact terms. The short version:
Rafiq is not a custodian. We don't hold your assets, your zakat, your khums, or your donations. When you pay zakat through Rafiq, funds route directly to a verified charity partner. Rafiq sees the transaction happened; it does not touch the money.
Charity partners are independently vetted for operational legitimacy, financial transparency, and faith-aligned program delivery. The list is public, the vetting criteria are public, and partners can be removed if they fail ongoing review.
We will get things wrong. A ruling will need correction. A calculation will miss an edge case. A number will be off. When that happens, this is what we promise:
If any of this ever feels broken, email zaeem@rafiq.money. The founder reads these personally.