www.islamic-finance.com its logos, textual and graphic content and the software programmes that it uses (collectively the "Site") is owned and produced by Kreatoc Ltd., a limited company with a registered office at 72 New Bond Street, London, W1S 1RR, United Kingdom ("Kreatoc").

By continuing to access the Site you agree to be bound by the terms and conditions as set out on this web page and as modified from time to time at the sole discretion of Kreatoc (the "Terms and Conditions"). By linking an internet site owned or otherwise controlled by yourself to the Site, you agree to be bound by the Terms and Conditions.

The Site is protected by copyright and you agree that it constitutes the intellectual property of Kreatoc except where indicated otherwise on the Site. You agree to use the Site for non-commercial purposes only and you agree not to copy, publish, reproduce, display, modify, edit or transmit part or all of the Site in any form without the prior written permission of Kreatoc with the exception that Kreatoc licences you to download part or all of the Site and print one copy thereof for personal use only.

Kreatoc does not make any representation or warranty, express or implied, as to the accuracy or completeness of information or services made available on the Site or any internet sites to which it links including but not limited to information appearing under the Research, Events, Institutions, Books and Jobs sections on the Site whether or not such information or services have been posted by third parties.

Kreatoc does not warrant that the Site is free of viruses or potentially damaging software programmes and is not liable for any damages or other costs that you or third parties may suffer as a result of visiting the Site.

You agree that Kreatoc and its employees, officers, suppliers, successors and asigns shall not be held liable in any way, directly or indirectly, to you or any other persons for any damages expenses costs or other liabilities arising pursuant to the use of the Site or internet sites that are linked to it, to the fullest extent permitted under law. You indemnify Kreatoc its employees, officers, suppliers, successors and asigns and hold them harmless against any damages costs and fees they may incur resulting from any claim action or other proceeding brought against it by you or third parties in connection with your use of the Site.

You agree that any similarity between characters appearing in cartoons under the section of the Site entitled "The Lizard Hole" and persons living or dead is not intended and is purely coincidental.

You represent and warrant that any textual or graphic information or other material that you submit for use on the Site is accurate and that its availability on the Site shall not injure any legal person. You indemnify Kreatoc from any damages claims or other costs resulting from the use by third parties of any textual or graphic information or other material that you submit for use on the Site.

The Terms and Conditions embody the entire agreement between you and Kreatoc.

The Terms and Conditions shall be governed and construed in accordance with the laws of England under the jurisdiction of an English court.