Terms of Use

1. Who we are and when these terms apply

These Terms of Use apply to shariawizadvisory.com, its client portal and the tools made available through them (the “Website”). “Shariawiz Advisory,” “we,” “us” and “our” mean Shariawiz Advisory, LLC. “You” means the person using the Website and, where applicable, the organization that person is authorized to represent.

By using the Website, you agree to these terms. If you do not agree, please stop using it. You must be at least 18 and legally able to enter into an agreement to create an account. If you act for an organization or another person, you must have authority to do so.

Shariawiz.com is a separate document-tools website with its own terms. These terms cover the Shariawiz Advisory Website and client portal.

2. Advisory services and your client agreement

Shariawiz Advisory provides financial planning and investment advisory services where registered, notice-filed or exempt from registration, under a written advisory agreement. Visiting the Website, opening a portal account, subscribing to emails or booking an introductory conversation does not by itself establish an advisory relationship.

Your written agreement identifies the services, responsibilities, fees, billing schedule and termination terms for your engagement. It controls over these Website terms on those subjects. A standalone financial plan does not automatically include ongoing investment management, monitoring or future updates. Client investment assets are held in the client's name at Schwab or another qualified custodian.

Read our firm brochure (PDF) for information about our business, fees, risks and conflicts. Registration does not imply a particular level of skill or training.

3. Website information, calculations and investment risks

Public articles, emails, examples, calculators and screening results provide general information. They are not a personalized recommendation to buy, sell or hold a security. Individualized advice, if agreed, is provided within your advisory engagement.

Investing involves risk, including loss of principal. Past performance does not guarantee future results. Projections and calculations depend on the information, assumptions, methods and third-party data used; they may be incomplete, delayed or inaccurate. A connected account view is not a substitute for statements from your financial institution or custodian. Please report discrepancies to us.

Halal screening, inheritance shares, purification and zakat estimates depend on the selected methodology and available information. Classifications can change and scholarly interpretations can differ. No tool or plan guarantees investment performance, tax treatment, legal validity or a religious outcome. Discuss the results and your circumstances with the appropriate adviser, attorney, tax professional or qualified scholar before acting.

4. Document tools and professional advice

Shariawiz Advisory is not a law firm and does not provide legal representation, legal opinions or accounting services. Document-tool access may be available as described in your agreement. Templates and automated documents require review for your circumstances, applicable law, signing requirements and implementation. Tool access does not include attorney representation or personal consultations with Abed Awad or Umer Khan.

Using the Website does not create an attorney-client relationship with Shariawiz Advisory. If you separately engage an independent attorney, that relationship is governed by your agreement with the attorney and applicable law. These terms do not determine or waive any privilege or confidentiality protection that may apply to that relationship.

5. Accounts and access permissions

Provide accurate account information, keep your sign-in credentials secure and notify us promptly if you suspect unauthorized access. Use your own authorized account rather than sharing credentials. Access only the clients, matters, documents and financial information you are permitted to see.

If you act as another person's authorized representative, use only the access granted for that purpose and tell us when your authority changes. Access for a spouse, family member or professional must be authorized through the applicable account or engagement arrangements.

6. Your information and documents

You retain your rights in the information and documents you submit. You give us permission to host, process, reproduce and transmit that material as needed to operate the Website, generate requested outputs, provide agreed services, respond to support requests and meet legal obligations, as described in our Privacy Policy. This permission does not transfer ownership of your personal information or completed documents to us.

Submit information you are authorized to provide, including information about beneficiaries, dependents, a spouse or other people. Review your answers and generated documents, and tell your adviser about material changes. Keep copies of completed documents and records you need.

We and our licensors retain rights in the Website's software, branding and underlying templates. You may use completed documents and reports for the purposes for which they were prepared, including sharing them with your authorized advisers. This does not authorize resale of the software or redistribution of the underlying template library.

7. Connected services and third parties

Available features may use third-party providers for account connections, payments, scheduling, financial data, screening or document delivery. Examples include Plaid, Stripe, Cal.com and Zoya. A feature may require separate authorization and is subject to the provider's applicable terms and privacy notice.

Authorize only connections you are entitled to make. Data availability and refresh timing depend on the provider and financial institution. Linking an account for planning or screening does not itself authorize trading, transfers or discretionary management; any such authority must be separately established in the relevant agreements. Contact us if you need help disconnecting a service.

8. Fees, cancellation and refunds

The applicable written agreement or terms presented for a purchase govern charges, payment authorization, renewal, cancellation and any refund. Public descriptions of services or fees do not replace those terms. Custodians and other third parties may charge separately as disclosed in the relevant agreements and brochure. Please contact us if you have a billing question or wish to end an engagement.

9. Acceptable use

Use the Website lawfully and within your permissions. Do not impersonate another person, upload malicious code, interfere with the service, attempt to bypass security or account access controls, collect another person's private information without authority, or use the Website to infringe another person's rights. Do not scrape private account information or reproduce the software or template library without authorization.

10. Availability and ending access

Maintenance, technical failures and third-party outages can interrupt access or delay updates and document generation. Contact us through another available channel if a time-sensitive matter cannot be handled in the portal. Follow the communication and transaction procedures in your client or custodian agreement.

We may restrict access to address unauthorized use, security concerns, a violation of these terms or a legal requirement. Ending portal access does not by itself terminate an advisory engagement or change applicable recordkeeping and other duties. Contact us about copies of your records and the applicable termination process.

11. Privacy and communications

Our Privacy Policy explains how information is handled and how to contact us about it. Use the portal or another agreed secure channel for sensitive documents. Please do not send passwords, Social Security numbers or full financial account details in ordinary email or booking notes.

You can unsubscribe from educational and marketing emails using the link provided in those emails. Account, security, regulatory and service communications may still be necessary for an active relationship.

12. Your legal rights and changes to these terms

These Website terms do not waive or limit any fiduciary duty, liability or right or remedy under applicable securities laws or other law that cannot be waived. Your written advisory agreement and applicable law govern your advisory relationship and any dispute concerning it.

We will post revisions here with an updated date and provide additional notice or request agreement where required. Changes to these Website terms do not amend a signed advisory agreement. If you have a concern about the Website or our services, contact us using the details below.

13. Contact us

Shariawiz Advisory, LLC
101 Parkshore Drive, Suite 100
Folsom, CA 95630
Email: salaam@shariawizadvisory.com
Phone: (279) 215-0101