Client Agreement

Wrap Fee Brochure

Client Relationship Summary (Form CRS)

Terms of Use

Privacy Policy

Copyright Policy

Disclaimer

Referrals

Wrap Fees Rebate Program Terms and Conditions

Evergreen Wrap Fee Waiver Program Terms and Conditions

Privacy Policy

Policy effective since August 2017

Last Revised Date - June 2023

Notification of Privacy Policy:

At Wahed Invest LLC, protecting your privacy is very important to us. As a financial services firm, we collect and use non-public personal information (NPI) in order to provide our clients (prospective, current, or former) with a broad range of financial services as effectively and conveniently as possible. We are providing this notification to inform you of the types of NPI we collect, our privacy safeguards and sharing practices. We handle all NPI in accordance with this policy.

WHAT IS NPI? WHAT TYPES OF NPI DOES WAHED INVEST COLLECT AND FROM WHOM DO WE COLLECT IT?

Non-public personal information (NPI) is confidential personal information about you that we obtain in connection with providing financial services or products to you. We generally collect non-public personal information about you from the following sources:

  • Information we receive from you on applications or other forms (e.g., name, address, income, etc);
  • Information about your transactions with us, our service providers, or other parties to transactions; 
  • Information we may receive about you from unaffiliated financial service providers (e.g., custodians, insurance agents, attorneys, and consumer reporting agencies);
  • Your responses to surveys that we might ask you to complete for research purposes; and
  • Details of transactions you carry out through our digital application and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our app.

INFORMATION WE COLLECT THROUGH AUTOMATIC DATA COLLECTION TECHNOLOGIES

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

  • Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
  • Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically is only statistical data and does not include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

  • Estimate our audience size and usage patterns.
  • Store information about your preferences, allowing us to customize our Website according to your individual interests.
  • Speed up your searches.
  • Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include:

  • Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting, you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
  • Web Beacons. Pages of our Website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

We do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.

HOW IS YOUR NPI UTILIZED?

We do not disclose any non-public personal information (NPI) about you without your express consent, except as permitted and required by law. We only share your non-public personal information to:

  1. Employees of our firm,
  2. Our subsidiaries and affiliates.
  3. Unaffiliated service providers such as account custodians (i.e., broker-dealers, banks and mutual fund companies),
  4. Account aggregation services chosen by mutual agreement, and
  5. Others who need to know such information in order to provide products or services to you.

We will also receive non-public personal information from some or all of the entities listed above. Disclosure of non-public personal information to such parties is unrestricted and facilitated by your agreement and consent.

We may also disclose your personal information:

  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
  • To enforce or apply our terms of use and other agreements.
  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Wahed Invest LLC, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

HOW DO WE PROTECT YOUR PERSONAL INFORMATION?

We maintain physical, electronic and procedural safeguards to protect your non-public personal information. Our safeguards include measures to protect your information prior to, during and upon termination of our financial services engagement (i.e., disposal of your data).

DISCLOSING PERSONAL INFORMATION TO NON-AFFILIATED THIRD PARTIES

We do not sell, share or disclose your personal information to persons or entities other than as described above. We will not share or disclose such information to non-affiliated third-party marketing companies.

YOUR STATE PRIVACY RIGHTS

State consumer privacy laws may provide their residents with additional rights regarding our use of their personal information. To learn more about California residents' privacy rights, visit here. California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our App that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to support@wahed.com.

Colorado, Connecticut, Virginia, and Utah each provide their state residents with rights to:

  • Confirm whether we process their personal information.
  • Access and delete certain personal information.
  • Data portability.
  • Opt-out of personal data processing for targeted advertising and sales.

Colorado, Connecticut, and Virginia also provide their state residents with rights to:

  • Correct inaccuracies in their personal information, taking into account the information's nature processing purpose.
  • Opt-out of profiling in furtherance of decisions that produce legal or similarly significant effects.

To exercise any of these rights please submit an appropriate notice to legal@wahedinvest.com. To appeal a decision regarding a consumer rights request, submit an appeal referencing the original request to legal@wahedinvest.com.

FUTURE POLICY REVISIONS

This policy may change to reflect updates in our practices, procedures or regulatory requirements concerning the collection and use of NPI. As our client, you will receive notifications at least annually and our revisions or changes to this policy will be highlighted in our annual notifications. If you have any questions regarding our privacy policy, please do not hesitate to contact your investment advisor representative or you may write to, email, or call us at:

27 East 28th Street
8th floor
New York, NY 10016

We are providing this notification to you in accordance with Federal and State regulations.

Tiered Referral Program Terms and Conditions‍

‍

The following terms and conditions govern participation in the Wahed Invest LLC Tiered Referral program. The terms aim to keep the program fair, accessible to all United State legal residents or citizens reside that currently in the United States, and successful in its primary goal: to reward you (the referrer) for referring other individuals whom you have a personal connection and who are with Wahed Invest LLC (the ‘firm’ or ‘Wahed”). By participating in the program, you agree to, and agree to abide by, these terms and conditions. Failure to do so may forfeit your ability to collect your Referral Reward, so please read the following terms and conditions carefully.

1. Eligibility

This Program will take effect on March 1st, 2025

Who is eligible to receive this reward?

Existing Client means an individual with an active Wahed account who has successfully referred one or more users to successfully fund a new Wahed account using their unique referral code.

Potential New Client means an individual (i) whom an Existing Client, using their unique referral code provided by Wahed, has invited to become a new Wahed client and open a Wahed account and (ii) who has never previously opened a Wahed account before being invited by the Existing Client.

Referred Client means a Potential New Client who has (i) downloaded the Wahed application, (ii) has an active Wahed account with a minimum of $100 of funds.

2. Reward for Referrals

Wahed will reward referrers based on the number of clients they refer, following these criteria:

Clients Referred

Reward 

Clients Referred Reward
1 $10
2 $50
3 $75
4+ $100

‍

The Rewards for the Existing Client will be issued as follows:

  • For 1 referred client, Wahed will deposit $10 into the Referrer’s Wahed account after the 1 month lock-in period.
  • For 2 referred clients, Wahed will deposit $50 into the Referrer’s Wahed account after the 1 month lock-in period of the 2nd client.
  • For 3 referred clients, Wahed will deposit $75 into the Referrer’s Wahed account after the 1 month lock-in period of the 3rd client.
  • For 4 referred clients, Wahed will deposit $100 into the Referrer’s Wahed account after the 1 month lock-in period of the 4th client. 
  • For each additional client referred beyond the initial four, Wahed will deposit $100 per additional client into the Referrer’s Wahed account after each respective client’s 1 month lock-in period.

3. Limitation

Existing Clients are permitted to receive a maximum of $1,000 per 12 month period in compensation in connection with Referred Clients.  Furthermore, at the end of any 12 month period from the first Referred Client, an Existing Client’s Reward Bonus count will be reset to level 1, and the next Referred Client will earn a Reward of $10.  


4. Qualification

Existing Clients

To qualify for the Rewards Bonus, the Existing Client Client must meet the following criteria:

  1. Refer a new client who opens a Wahed account using the unique referral code.
  2. The referred client must fund their account within 30 days of opening.
  3. Each Referred Client maintains their funded Wahed account for a minimum period of one (1) month.
  4. The reward will be rejected if either the Existing Client or the Referred Client does not have an active Individual Account at the time of processing the referral bonus, which occurs after the 1-month lock-in period.

Referred Clients

Wahed is not responsible for incorrect entry or other failure on the part of your referee in creating a New Account or complying with any other requirement for Wahed account holders.

5. Compliance

In connection with your participating in the Tiered Referral Program, you agree to the restrictions listed below:

· No spam – You agree that you will not “spam” anyone with Referrals to join Wahed either by mass emailing, use of automated systems, bots or automatic dialers, and not post Referral links on websites or events or venue pages without express consent from the owner. You agree to not engage in any device or scheme that results in “spam.”

· No misrepresentations - You agree that you will not attempt to mislead anyone in connection with the Tiered Referral Program. This includes, but is not limited to, creating fake accounts, profiles, links, or messages.

· No prohibited content - You agree that you will not use any defamatory, offensive, abusive, or obscene content in connection with Wahed. This includes, but is not limited to, content that violates someone else’s privacy or harassing content.

· No fraudulent activity - You agree not defraud or abuse, or attempt to defraud or abuse, anyone in connection with the Tiered Referral Program. You agree to not engage in any activity that may be fraudulent, deceptive, or manipulative.

· No misuse of Wahed’s content - You agree not to sell Wahed’s Referral links or create websites, email addresses or social media with Wahed’s name, images, or content without Wahed’s express consent. Wahed’s content is not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to law or regulation or which would subject Wahed or any of Wahed’s products or services to any authorization, registration, licensing, or notification requirements within any jurisdictions outside those jurisdictions in which Wahed and its affiliates are licensed to operate.

Violations of any of these restrictions may result in termination of your eligibility to participate in the Referral Bonus earned in violation or suspected violation of these restrictions at Wahed’s sole discretion.

6. Termination

This promotion is not valid with any other offers and is non-transferrable. This promotion may not be combined with other Tiered Referral Programs offered by Wahed. Wahed reserves the right to:

·  change or terminate this offer at any time, without notice,

·  to limit the amount of account rewards you are eligible to receive.

·  to refuse or recover any promotion award if Wahed determines that it was obtained under fraudulent circumstances, that inaccurate or incomplete information was provided by a Client, or that any terms of the Client Investment Agreement have been violated.

·  modify or amend these terms and conditions at any time and without notice.

·  to audit all offers to ensure that the terms and conditions of the Promotion have been met and to request additional information regarding any and all claims and supporting documents.

·  the qualification period is limited to 30 days. In order to receive the promotional account rewards, you must meet the qualification requirements during the qualification period.

·  decisions in respect of all aspects of the Promotion will be final and binding.

·  bonus funds may be taxable income to you thus, will be responsible for any federal or state taxes resulting from receipt of bonus funds.

7. Wahed’s Registration

Wahed represents and warrants to you that it is registered with the SEC under the Act as an Investment Adviser.

8. Brochure

You acknowledge and agree that, before Wahed presents a Potential New Client invited by you with the opportunity to maintain a relationship with Wahed, the Potential New Client will be presented with a link to the most recently filed versions of the Brochure and required to provide an acknowledgement that the Potential New Client has received the Brochure.

9. Legal and Regulatory History

You represent and warrant to Wahed that you are not a person: (A) subject to an SEC order issued under section 203(f) of the Act, or (B) convicted within the previous ten years of any felony or misdemeanor involving conduct described in section 203(e)(2)(A) through (D) of the Act, or (C) who has been found by the SEC to have engaged, or has been convicted of engaging, in any of the conduct specified in paragraphs (1), (5) or (6) of section 203(e) of the Act, or (D) is subject to an order, judgment or decree described in section 203(e)(4) of the Act

10. Dispute Resolution, including Pre-Dispute Arbitration Clause

All controversies that may arise between you and Wahed concerning any subject matter, issue, or circumstance whatsoever (including controversies concerning any account, order, or transaction, or the continuation, performance, interpretation, or breach of this, the other Agreements, or any other agreement between you and Wahed, whether entered into or arising before, on, or after the date this account is opened) shall be determined by binding arbitration through the American Arbitration Association (“AAA”). You acknowledge that judgment upon any arbitration award may be entered in any court of competent jurisdiction.

No person shall bring a putative or certified class action to arbitration, nor seek to enforce any pre-dispute arbitration agreement against any person who has initiated in court a putative class action; or who is a member of a putative class who has not opted out of the class with respect to any claims encompassed by the putative class action until: (i) the class certification is denied; or (ii) the class is decertified; or (iii) the customer is excluded from the class by the court. Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this Agreement except to the extent stated herein.

11. Miscellaneous

By participating in the Wahed Tiered Referral Program, you acknowledge and agree that your participation will conform to the terms and conditions specified herein, our website https://www.wahed.com/legal,  and those of the Client Agreement directly conflicts, this Agreement shall govern. If you are currently participating in the Wahed Tiered Referral Program and the preceding representations become inaccurate, you agree to immediately inform Wahed at uscustomersupport@wahed.com.

Furthermore, you hereby agree that Wahed will have no liability for any cost, expenses or damages caused by your participation in the Tiered Referral Program and that you will indemnify and hold Wahed harmless against any claim, action, liability, loss, injury, or damage to you or any other person or entity due in whole or in part, directly or indirectly, by reason of your participation in the promotion. Wahed is not responsible for faulty referral links, any error, omission, interruption, defect or delay in transmission, order processing, or communication; technical or mechanical malfunctions; errors in these terms, in any human-processing error; failures of electronic equipment, computer hardware or software; damage to your equipment, computer hardware or software, or inaccurate information, whether caused by equipment, programming, human error, or otherwise

Endorsements and testimonials are considered marketing that may carry regulatory oversight, and in turn, Wahed, Inc., an affiliated company of Wahed Invest LLC (the ‘’Firm’’), must prominently disclose whether the person giving the testimonial or endorsement (the ‘’Promoter’’) is compensated by the Firm and/or its affiliates for its services. Promoters for Wahed, Inc., including but not limited to, sports personalities (none of which are a client or prospective client of the Firm and/or its affiliates) have entered into agreements with Wahed, Inc. in return for compensation paid in both cash and equity compensation. Prospective clients should review these disclosures carefully as a possible conflict of interest, and, further, all prospective clients are encouraged to speak with a financial advisor and/or tax accountant prior to investing with the Firm and/or its affiliates. Investments are inherently risky and may cause loss, up to, and including, full loss of principal.

Partner Referral Program Terms and Conditions

‍

The following terms and conditions govern participation in the Wahed Invest LLC Partner Referral program. The terms aim to keep the program fair, accessible to all United State legal residents or citizens reside that currently in the United States, and successful in its primary goal: to reward you (the referrer) for referring other individuals whom you have a personal connection and who are with Wahed Invest LLC (the ‘firm’ or ‘Wahed”). By participating in the program, you agree to, and agree to abide by, these terms and conditions. Failure to do so may forfeit your ability to collect your Referral Reward, so please read the following terms and conditions carefully.

1. Eligibility

Who is eligible to receive this reward?

Potential New Client refers to an individual within an influencer’s audience (i) who has (i) downloaded the Wahed application and (ii) funded their Wahed Individual Account within 30 days of signing up using the influencer’s referral code and deposited a minimum of $100 into their account. The reward will be rejected If the new client does not have an active Individual Account at the time of processing the reward, which occurs after the 6-month lock-in period.

2. Reward for Referrals

A Potential New Client will be eligible to receive a one-time reward of $30 upon becoming a referred client in good standing

3. Limitation

Each referred client is eligible to claim only one reward per Wahed Account under this program. The reward will be credited to the client’s account only after the referred client’s account has been funded for a minimum period of six (6) months, provided all other eligibility requirements are met. Wahed is not responsible for incorrect entry or other failure on the part of your referee in creating a New Account or complying with any other requirement for Wahed account holders.

4. Compliance

In connection with your participating in the Partner Referral Program, you agree to the restrictions listed below:

· No spam – You agree that you will not “spam” anyone with Referrals to join Wahed either by mass emailing, use of automated systems, bots or automatic dialers, and not post Referral links on websites or events or venue pages without express consent from the owner. You agree to not engage in any device or scheme that results in “spam.”

· No misrepresentations - You agree that you will not attempt to mislead anyone in connection with the Partner Referral Program. This includes, but is not limited to, creating fake accounts, profiles, links, or messages.

· No prohibited content - You agree that you will not use any defamatory, offensive, abusive, or obscene content in connection with Wahed. This includes, but is not limited to, content that violates someone else’s privacy or harassing content.

· No fraudulent activity - You agree not defraud or abuse, or attempt to defraud or abuse, anyone in connection with the Partner Referral Program. You agree to not engage in any activity that may be fraudulent, deceptive, or manipulative.

· No misuse of Wahed’s content - You agree not to sell Wahed’s Referral links or create websites, email addresses or social media with Wahed’s name, images, or content without Wahed’s express consent. Wahed’s content is not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to law or regulation or which would subject Wahed or any of Wahed’s products or services to any authorization, registration, licensing, or notification requirements within any jurisdictions outside those jurisdictions in which Wahed and its affiliates are licensed to operate.

Violations of any of these restrictions may result in termination of your eligibility to participate in the Referral Bonus earned in violation or suspected violation of these restrictions at Wahed’s sole discretion.

5. Termination

This promotion is not valid with any other offers and is non-transferrable. This promotion may not be combined with other Partner Referral Programs offered by Wahed. Wahed reserves the right to:

·  change or terminate this offer at any time, without notice,

·  to limit the amount of account rewards you are eligible to receive.

·  to refuse or recover any promotion award if Wahed determines that it was obtained under fraudulent circumstances, that inaccurate or incomplete information was provided by a Client, or that any terms of the Client Investment Agreement have been violated.

·  modify or amend these terms and conditions at any time and without notice.

·  to audit all offers to ensure that the terms and conditions of the Promotion have been met and to request additional information regarding any and all claims and supporting documents.

·  the qualification period is limited to 30 days. In order to receive the promotional account rewards, you must meet the qualification requirements during the qualification period.

·  decisions in respect of all aspects of the Promotion will be final and binding.

·  bonus funds may be taxable income to you thus, will be responsible for any federal or state taxes resulting from receipt of bonus funds.

6. Wahed’s Registration

Wahed represents and warrants to you that it is registered with the SEC under the Act as an Investment Adviser.

7. Brochure

You acknowledge and agree that, before Wahed presents a Potential New Client invited by you with the opportunity to maintain a relationship with Wahed, the Potential New Client will be presented with a link to the most recently filed versions of the Brochure and required to provide an acknowledgement that the Potential New Client has received the Brochure.

8. Legal and Regulatory History

You represent and warrant to Wahed that you are not a person: (A) subject to an SEC order issued under section 203(f) of the Act, or (B) convicted within the previous ten years of any felony or misdemeanor involving conduct described in section 203(e)(2)(A) through (D) of the Act, or (C) who has been found by the SEC to have engaged, or has been convicted of engaging, in any of the conduct specified in paragraphs (1), (5) or (6) of section 203(e) of the Act, or (D) is subject to an order, judgment or decree described in section 203(e)(4) of the Act

9. Dispute Resolution, including Pre-Dispute Arbitration Clause

All controversies that may arise between you and Wahed concerning any subject matter, issue, or circumstance whatsoever (including controversies concerning any account, order, or transaction, or the continuation, performance, interpretation, or breach of this, the other Agreements, or any other agreement between you and Wahed, whether entered into or arising before, on, or after the date this account is opened) shall be determined by binding arbitration through the American Arbitration Association (“AAA”). You acknowledge that judgment upon any arbitration award may be entered in any court of competent jurisdiction.

No person shall bring a putative or certified class action to arbitration, nor seek to enforce any pre-dispute arbitration agreement against any person who has initiated in court a putative class action; or who is a member of a putative class who has not opted out of the class with respect to any claims encompassed by the putative class action until: (i) the class certification is denied; or (ii) the class is decertified; or (iii) the customer is excluded from the class by the court. Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this Agreement except to the extent stated herein.

10. Miscellaneous

By participating in the Wahed Partner Referral Program, you acknowledge and agree that your participation will conform to the terms and conditions specified herein, our website https://www.wahed.com/legal,  and those of the Client Agreement directly conflicts, this Agreement shall govern. If you are currently participating in the Wahed Partner Referral Program and the preceding representations become inaccurate, you agree to immediately inform Wahed at uscustomersupport@wahed.com.

Furthermore, you hereby agree that Wahed will have no liability for any cost, expenses or damages caused by your participation in the Partner Referral Program and that you will indemnify and hold Wahed harmless against any claim, action, liability, loss, injury, or damage to you or any other person or entity due in whole or in part, directly or indirectly, by reason of your participation in the promotion. Wahed is not responsible for faulty referral links, any error, omission, interruption, defect or delay in transmission, order processing, or communication; technical or mechanical malfunctions; errors in these terms, in any human-processing error; failures of electronic equipment, computer hardware or software; damage to your equipment, computer hardware or software, or inaccurate information, whether caused by equipment, programming, human error, or otherwise

Endorsements and testimonials are considered marketing that may carry regulatory oversight, and in turn, Wahed, Inc., an affiliated company of Wahed Invest LLC (the ‘’Firm’’), must prominently disclose whether the person giving the testimonial or endorsement (the ‘’Promoter’’) is compensated by the Firm and/or its affiliates for its services. Promoters for Wahed, Inc., including but not limited to, sports personalities (none of which are a client or prospective client of the Firm and/or its affiliates) have entered into agreements with Wahed, Inc. in return for compensation paid in both cash and equity compensation. Prospective clients should review these disclosures carefully as a possible conflict of interest, and, further, all prospective clients are encouraged to speak with a financial advisor and/or tax accountant prior to investing with the Firm and/or its affiliates. Investments are inherently risky and may cause loss, up to, and including, full loss of principal.

Zoya Referral Program Terms and Conditions

‍

The following terms and conditions govern participation in the Wahed Invest LLC Zoya Referral program. The terms aim to keep the program fair, accessible to all United State legal residents or citizens reside that currently in the United States, and successful in its primary goal: to reward you (the referee) for funding your account with Wahed Invest LLC(the ‘firm’ or ‘Wahed”). By participating in the program, you agree to, and agree to abide by, these terms and conditions. Failure to do so may forfeit your ability to collect your Referral Reward, so please read the following terms and conditions carefully.

1. Eligibility

Who is eligible to receive this reward?

Potential New Client refers to an individual within Zoya’s audience (i) who has (i) downloaded the Wahed application and (ii) funded their Wahed Individual Account within 30 days of signing up using Zoya's referral code and deposited a minimum of $100 into their account. The reward will be rejected If the new client does not have an active Individual Account at the time of processing the reward, which occurs 60 days after a user has passed KYC. 

The campaign will end on June 30th, 2025, meaning that users will no longer be able to claim a reward after this time.

2. Reward for Referrals

A Potential New Client will be eligible to receive a one-time reward based on the amount of money they deposit into their Wahed account upon becoming a referred client in good standing. The reward a user receives is intended to offset the fees they would otherwise incur for their Wahed account.  

Refer to the chart below for a breakdown of rewards and the minimum deposit required to qualify for each tier.

‍

Deposit Amount Reward
$100 - $10,000 $20
$10,001 - $25,000 $50
$25,001 - $50,000 $150
$50,001 - $75,000 $200
$75,001 - $150,000 $250

‍

3. Limitation

Each referred client is eligible to claim only one reward per Wahed Account under this program. The reward will be credited to the client’s account only after the referred client funds their account within 60 days of completing KYC, provided all other eligibility requirements are met.

Wahed is not responsible for incorrect entry or other failure on the part of your referee in creating a New Account or complying with any other requirement for Wahed account holders.

4. Compliance

In connection with your participating in the Zoya Referral Program, you agree to the restrictions listed below:

· No spam – You agree that you will not “spam” anyone with Referrals to join Wahed either by mass emailing, use of automated systems, bots or automatic dialers, and not post Referral links on websites or events or venue pages without express consent from the owner. You agree to not engage in any device or scheme that results in “spam.”

· No misrepresentations - You agree that you will not attempt to mislead anyone in connection with the Zoya Referral Program. This includes, but is not limited to, creating fake accounts, profiles, links, or messages.

· No prohibited content - You agree that you will not use any defamatory, offensive, abusive, or obscene content in connection with Wahed. This includes, but is not limited to, content that violates someone else’s privacy or harassing content.

· No fraudulent activity - You agree not defraud or abuse, or attempt to defraud or abuse, anyone in connection with the Zoya Referral Program. You agree to not engage in any activity that may be fraudulent, deceptive, or manipulative.

· No misuse of Wahed’s content - You agree not to sell Wahed’s Referral links or create websites, email addresses or social media with Wahed’s name, images, or content without Wahed’s express consent. Wahed’s content is not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to law or regulation or which would subject Wahed or any of Wahed’s products or services to any authorization, registration, licensing, or notification requirements within any jurisdictions outside those jurisdictions in which Wahed and its affiliates are licensed to operate.

Violations of any of these restrictions may result in termination of your eligibility to participate in the Referral Bonus earned in violation or suspected violation of these restrictions at Wahed’s sole discretion.

5. Termination

This promotion is not valid with any other offers and is non-transferrable. This promotion may not be combined with other Zoya Referral Programs offered by Wahed. Wahed reserves the right to:

·  change or terminate this offer at any time, without notice,

·  to limit the amount of account rewards you are eligible to receive.

·  to refuse or recover any promotion award if Wahed determines that it was obtained under fraudulent circumstances, that inaccurate or incomplete information was provided by a Client, or that any terms of the Client Investment Agreement have been violated.

·  modify or amend these terms and conditions at any time and without notice.

·  to audit all offers to ensure that the terms and conditions of the Promotion have been met and to request additional information regarding any and all claims and supporting documents.

·  the qualification period is limited to 30 days. In order to receive the promotional account rewards, you must meet the qualification requirements during the qualification period.

·  decisions in respect of all aspects of the Promotion will be final and binding.

·  bonus funds may be taxable income to you thus, will be responsible for any federal or state taxes resulting from receipt of bonus funds.

6. Wahed’s Registration

Wahed represents and warrants to you that it is registered with the SEC under the Act as an Investment Adviser.

7. Brochure

You acknowledge and agree that, before Wahed presents a Potential New Client invited by you with the opportunity to maintain a relationship with Wahed, the Potential New Client will be presented with a link to the most recently filed versions of the Brochure and required to provide an acknowledgement that the Potential New Client has received the Brochure.

8. Legal and Regulatory History

You represent and warrant to Wahed that you are not a person: (A) subject to an SEC order issued under section 203(f) of the Act, or (B) convicted within the previous ten years of any felony or misdemeanor involving conduct described in section 203(e)(2)(A) through (D) of the Act, or (C) who has been found by the SEC to have engaged, or has been convicted of engaging, in any of the conduct specified in paragraphs (1), (5) or (6) of section 203(e) of the Act, or (D) is subject to an order, judgment or decree described in section 203(e)(4) of the Act

9. Dispute Resolution, including Pre-Dispute Arbitration Clause

All controversies that may arise between you and Wahed concerning any subject matter, issue, or circumstance whatsoever (including controversies concerning any account, order, or transaction, or the continuation, performance, interpretation, or breach of this, the other Agreements, or any other agreement between you and Wahed, whether entered into or arising before, on, or after the date this account is opened) shall be determined by binding arbitration through the American Arbitration Association (“AAA”). You acknowledge that judgment upon any arbitration award may be entered in any court of competent jurisdiction.

No person shall bring a putative or certified class action to arbitration, nor seek to enforce any pre-dispute arbitration agreement against any person who has initiated in court a putative class action; or who is a member of a putative class who has not opted out of the class with respect to any claims encompassed by the putative class action until: (i) the class certification is denied; or (ii) the class is decertified; or (iii) the customer is excluded from the class by the court. Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this Agreement except to the extent stated herein.

10. Miscellaneous

By participating in Wahed’s Zoya Referral Program, you acknowledge and agree that your participation will conform to the terms and conditions specified herein, our website https://www.wahed.com/legal,  and those of the Client Agreement directly conflicts, this Agreement shall govern. If you are currently participating in Wahed’s Zoya Referral Program and the preceding representations become inaccurate, you agree to immediately inform Wahed at uscustomersupport@wahed.com.

Furthermore, you hereby agree that Wahed will have no liability for any cost, expenses or damages caused by your participation in the Zoya Referral Program and that you will indemnify and hold Wahed harmless against any claim, action, liability, loss, injury, or damage to you or any other person or entity due in whole or in part, directly or indirectly, by reason of your participation in the promotion. Wahed is not responsible for faulty referral links, any error, omission, interruption, defect or delay in transmission, order processing, or communication; technical or mechanical malfunctions; errors in these terms, in any human-processing error; failures of electronic equipment, computer hardware or software; damage to your equipment, computer hardware or software, or inaccurate information, whether caused by equipment, programming, human error, or otherwise

Endorsements and testimonials are considered marketing that may carry regulatory oversight, and in turn, Wahed, Inc., an affiliated company of Wahed Invest LLC (the ‘’Firm’’), must prominently disclose whether the person giving the testimonial or endorsement (the ‘’Promoter’’) is compensated by the Firm and/or its affiliates for its services. Promoters for Wahed, Inc., including but not limited to, sports personalities (none of which are a client or prospective client of the Firm and/or its affiliates) have entered into agreements with Wahed, Inc. in return for compensation paid in both cash and equity compensation. Prospective clients should review these disclosures carefully as a possible conflict of interest, and, further, all prospective clients are encouraged to speak with a financial advisor and/or tax accountant prior to investing with the Firm and/or its affiliates. Investments are inherently risky and may cause loss, up to, and including, full loss of principal.

Start your journey to wealth

Our halal investments are structured in accordance with the strictest Islamic principles
Get the App