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 Zest Limited, a limited company with its registered office at Landmark House, 17 Hanover Square, London, W1S 1BN, United Kingdom ("Kreatoc Zest").

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 Zest (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 Zest 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 Zest with the exception that Kreatoc Zest licences you to download part or all of the Site and print one copy thereof for personal use only.

Kreatoc Zest 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 and Books sections on the Site whether or not such information or services have been posted by third parties.

Kreatoc Zest 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 Zest 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 Zest 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 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 Zest 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.

Registrations on the Study Centre course may be cancelled within 7 days of order or with 7 days of receipt of the username and password, whichever is longer. In the event of cancellation, we agree to refund your payment by cheque or chargeback to your card account, in accordance with your original method of payment. Each participant on the www.islamic-finance.com Study Centre course agrees that upon download of any part of the course materials from our server, all rights of refund of money paid in respect of participation on the course terminate.

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

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