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The AAOIFI Centre for Islamic Finance Development is a platform established by AAOIFI (Accounting and Auditing Organisation for Islamic Financial Institutions). References to "we", "us", and "our" mean the Centre and/or AAOIFI, as applicable. The Centre operates across several service areas described throughout these Terms.

You may use this Website for lawful purposes only. You agree not to use the Website in any way that:

• Violates applicable laws or regulations
• Infringes the intellectual property rights of the Centre, AAOIFI, or any third party
• Is harmful, fraudulent, misleading, or abusive
• Interferes with or disrupts the Website's infrastructure or security
• Attempts to gain unauthorised access to any part of the Website or its systems
• Uses automated tools (scrapers, bots) to harvest content without prior written consent

We reserve the right to suspend or terminate access to users who violate these provisions.

The Website provides access to AAOIFI Shari'ah Standards, Accounting Standards, Auditing Standards, Governance Standards, and Ethics Standards ("Standards"), as well as exposure drafts, consultation papers, and working group outputs.

The Knowledge Hub offers articles, research reports, press releases, announcements, and insights ("Content") authored by the Centre, AAOIFI staff, or invited contributors.

• All Content is protected by copyright. You may share links to articles but may not reproduce Content in full without written permission.
• Downloadable resources (PDFs, reports) are provided for personal, non-commercial use only unless otherwise stated.
• Views expressed by guest contributors are their own and do not necessarily represent the official position of the Centre or AAOIFI.
• Article comments are subject to moderation. We reserve the right to remove comments that are offensive, misleading, or off-topic.
• Registered users who post comments retain ownership of their comments but grant the Centre a perpetual, royalty-free licence to display them.

The Centre offers professional development programmes, training workshops, academic courses, in-house solutions, and certification pathways ("Programmes").

• Enrolment: Registering for a Programme constitutes a binding commitment. Cancellation and refund terms are set out at the time of registration and vary by programme type.
• Certification: Certificates issued upon completion are the intellectual property of the Centre. They may not be altered or reproduced without authorisation.
• Attendance: Minimum attendance requirements apply to all live and online programmes. Failure to meet requirements may result in forfeiture of certification.
• Materials: Training materials provided during Programmes are for the exclusive use of enrolled participants and may not be shared or redistributed.
• Member discounts: Discounts available to members are subject to active membership status at the time of enrolment.

The Website lists upcoming and past events including conferences, webinars, forums, and workshops ("Events").

• Registration: Submitting an event registration constitutes acceptance of that event's specific terms, including payment obligations.
• Cancellations: Cancellation deadlines and refund policies are stated on each event's registration page. The Centre reserves the right to cancel or reschedule Events, in which case registered participants will be notified and offered a refund or transfer.
• Photography & recording: Events may be photographed or recorded by the Centre. By attending, you consent to your image being used in promotional materials unless you notify us otherwise in writing.
• Member pricing: Discounted rates for members require a valid active membership at the time of registration.
• Sponsorship: Event sponsorship arrangements are governed by separate sponsorship agreements.

The Centre offers institutional and fellowship membership tiers with associated benefits including access to exclusive content, event discounts, and capacity building discounts.

• Eligibility: Membership applications are reviewed and approved at the Centre's sole discretion. Approval is not guaranteed.
• Accuracy of information: Members must provide accurate, current information in their application and keep it up to date.
• Renewal: Membership is subject to annual renewal. Failure to renew by the due date results in suspension of membership benefits.
• Seat invitations: Institutional members may invite additional seat users within their allocated allowance. Seat users are bound by these Terms.
• Termination: The Centre may terminate membership for breach of these Terms, non-payment, or conduct detrimental to the reputation of the Centre or AAOIFI.
• Member directory: Members consent to appearing in the public member directory unless they opt out in their profile settings.

The Centre provides advisory, consultancy, and Shari'ah-related advisory services to financial institutions, regulators, and other organisations.

• Advisory service enquiries submitted through the Website initiate a scoping process only. No binding engagement exists until a formal agreement is signed.
• Information shared during an advisory enquiry is treated as confidential in accordance with our Privacy Policy.
• Advisory outputs and recommendations are provided for informational purposes and do not constitute legal, financial, or Shari'ah rulings unless explicitly stated in a formal engagement letter.
• The Centre's liability for advisory services is limited to the terms set out in the applicable service agreement.

Certain Website features — including the Member Portal, programme enrolment, and event registration — require a registered user account.

• You are responsible for maintaining the confidentiality of your login credentials. Notify us immediately of any unauthorised use of your account.
• Accounts are personal and may not be shared with or transferred to another person.
• You are responsible for all activity that occurs under your account.
• Profile photos and information you upload to your account must not infringe third-party rights or violate applicable law.
• We reserve the right to suspend or delete accounts that are inactive for an extended period or that violate these Terms.
• Account deletion requests can be submitted via the portal settings or by contacting info@cisaaoifi.com.

The Website lists partner organisations across categories such as academic, regulatory, industry, and media partnerships.

• Partner listings are provided for informational purposes. The Centre does not endorse the products or services of partner organisations unless explicitly stated.
• Partnership enquiries submitted through the Website are non-binding until a formal partnership agreement is executed.
• Partner logos and materials displayed on the Website remain the intellectual property of the respective organisations.

All content on the Website — including text, graphics, logos, icons, images, audio clips, digital downloads, and software — is the property of the Centre, AAOIFI, or its content suppliers, and is protected by international copyright, trademark, and other intellectual property laws.

• The "AAOIFI" name, logo, and associated marks are registered trademarks of AAOIFI. Use of these marks without prior written consent is prohibited.
• You may print or download material from the Website for your own personal, non-commercial use, provided you do not modify it.
• Any other use requires prior written permission from the Centre.

Your use of the Website is also governed by our سياسة الخصوصية و Cookies Policy, which are incorporated into these Terms by reference.

By subscribing to our newsletter, registering for an event, or submitting any form on the Website, you acknowledge that your personal data will be processed in accordance with our Privacy Policy.

The Website and its content are provided on an "as is" و "as available" basis without warranties of any kind, express or implied.

• We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.
• Content on the Website is for general information only and does not constitute legal, financial, or professional advice.
• To the fullest extent permitted by law, the Centre shall not be liable for any indirect, incidental, or consequential loss arising from your use of the Website.
• We do not guarantee the accuracy, completeness, or currency of any information on the Website and reserve the right to update content without notice.

The Website may contain links to third-party websites for your convenience and information. These links do not constitute an endorsement of the linked websites or their content. The Centre has no control over and accepts no responsibility for the content, privacy practices, or availability of third-party websites.

These Terms shall be governed by and construed in accordance with the laws of the Kingdom of Bahrain. Any dispute arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Bahrain, unless otherwise agreed in writing.

We reserve the right to update these Terms at any time. The "Last updated" date at the top of this page will reflect any changes. Continued use of the Website after changes are posted constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.

If you have questions about these Terms or wish to request permission for uses not covered here, please contact: