Terms of Service

1. About Ummah

Ummah Services Ltd is a company incorporated in England and Wales, company number [COMPANY NUMBER], with its registered office at [REGISTERED ADDRESS].

Ummah provides a technology platform that enables organisations to accept payments and access financial services.

Some services may be provided through regulated financial and payment partners.

2. Using our services

You agree to:

• provide accurate and complete information;

• use the platform only for lawful business purposes;

• keep your account and login details secure; and

• comply with applicable laws and regulations.

You must not use Ummah for fraud, illegal activity, or to bypass our security, verification or compliance controls.

3. Verification and compliance

To use certain services, we may need to verify your identity, organisation, ownership and business activities.

We may conduct identity, sanctions, fraud and financial crime checks. We may also request additional information when required by law or our regulatory obligations.

We may suspend or decline access where verification requirements are not met or where we identify a regulatory, security or financial crime risk.

4. Payments

Ummah may process payments through third-party payment processors, acquiring partners, banks and financial institutions.

Payments may be declined, delayed, held or reversed where required by law, our partners, or our security and risk controls.

Additional terms may apply to specific payment services.

5. Fees

Any applicable fees will be communicated to you before or during your use of the relevant service.

[TO CONFIRM: Insert pricing, billing and refund terms.]

6. Your data

We process personal information in accordance with our Privacy Policy.

Our Privacy Policy explains what information we collect, why we use it, who we share it with and your rights.

We do not sell personal data or share it with third parties for their own marketing.

7. Intellectual property

The Ummah platform, including its software, design, branding and content, belongs to Ummah Services Ltd or its licensors.

You may use the platform only for its intended business purposes. You may not copy, modify, distribute or commercially exploit our platform without permission.

8. Suspension and termination

We may suspend or terminate access to the platform if you breach these terms, provide inaccurate information, engage in unlawful activity, fail required verification checks, or where we are required to do so by law.

You may stop using the platform at any time, subject to any applicable contractual obligations.

9. Availability and liability

We aim to keep Ummah secure and available, but we cannot guarantee uninterrupted or error-free service.

To the extent permitted by law, Ummah is not responsible for indirect or consequential losses arising from your use of the platform.

Nothing in these terms limits liability that cannot legally be limited.

[TO CONFIRM: Liability cap.]

10. Changes to these terms

We may update these Terms of Service from time to time. The latest version will always be published on ummah.com.

Where a change materially affects your rights or obligations, we will provide notice where required.

11. Governing law

These terms are governed by the laws of [England and Wales / CONFIRM] and are subject to the jurisdiction of the courts of [CONFIRM].

12. Contact us

If you have any questions about these terms, contact us at: