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compliance and protection

Shariah Compliance Statement

IMFB is guided by ethical-finance principles associated with Islamic commercial practice, including transparency, real-economy activity, responsible use of capital, clear contractual terms and avoidance of prohibited activities.

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IMFB seeks to structure, promote and coordinate financial-services, trade, investment and commercial opportunities in a manner that is consistent with Shariah-conscious principles, subject to applicable law, regulatory requirements, client eligibility, transaction due diligence and appropriate governance review.

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A product, service, transaction or investment opportunity should only be treated as formally Shariah-certified where IMFB expressly confirms this in writing and identifies the relevant Shariah review, adviser, certification process or governance framework.

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IMFB may describe certain activities as Shariah-conscious, Shariah-aligned or ethical-finance oriented where they are intended to reflect Islamic finance principles. This does not automatically mean that every product, client, transaction or investment opportunity has received formal Shariah certification.

Our Ethical-Finance Commitment

IMFB’s ethical-finance commitment is based on the belief that finance should support productive commercial activity and real economic value.

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Our platform is intended to support businesses, investors and trade partners through structures connected to:

  • Goods and services being bought or sold

  • Assets being acquired, leased, held or used productively

  • Trade transactions being completed

  • Businesses generating revenue and employment

  • Investors participating in identifiable commercial opportunities

  • Payment flows being coordinated transparently

  • Capital being used for legitimate and responsible commercial purposes

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IMFB seeks to promote financial and commercial practices that prioritise:

  • Transparency

  • Contractual clarity

  • Responsible risk allocation

  • Real commercial purpose

  • Asset linkage where relevant

  • Ethical client and counterparty selection

  • Avoidance of exploitative or prohibited activities

  • Long-term relationship building

  • Compliance with applicable law and regulation

Shariah Review and Governance

IMFB may apply Shariah review and governance processes to relevant products, services, transactions and investment opportunities.

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Depending on the nature of the activity, this may include:

  • Assessment of the underlying commercial purpose

  • Review of the relevant asset, goods, business or transaction

  • Screening for prohibited-sector exposure

  • Review of contractual terms and transaction documentation

  • Assessment of fees, profit arrangements, ownership rights or lease terms

  • Consideration of risk-sharing, agency or partnership arrangements

  • Engagement with qualified Shariah advisers where appropriate

  • Ongoing monitoring where a transaction or product changes over time

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Shariah review does not replace legal, tax, regulatory, financial, commercial or investment due diligence. Clients and investors should obtain their own independent advice where appropriate.

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IMFB may decline to proceed with a transaction where the proposed activity is inconsistent with its Shariah-conscious, ethical, legal or reputational standards.

Shariah-Aligned Product Principles

IMFB may support or coordinate financial structures based on recognised Islamic finance concepts, subject to product availability, applicable law, partner approval, Shariah review and transaction suitability.

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Product Principle

Murabaha

Acquisition and sale of identified goods or assets at an agreed transparent price

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Ijarah

Use of an asset under a lease or rental arrangement

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Musharakah

Partnership participation in a business, asset, project or venture

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Mudarabah

Capital-and-management partnership structure

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Wakalah

Agency arrangement under agreed authority and terms

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Salam

Advance purchase of specified goods for future delivery

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Istisna’a

Manufacture, construction or development of a specified asset

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Sukuk-related structures

Asset-linked investment participation, where applicable and lawfully structured

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Trade finance structures

Financing or coordination linked to the movement, purchase or sale of goods

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Asset finance structures

Finance linked to productive assets, equipment, vehicles or infrastructure

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The suitability of any structure depends on the commercial substance, documentation, applicable jurisdiction, regulatory framework, participating providers and Shariah-governance process.

Prohibited Activities

IMFB seeks to avoid knowingly supporting businesses, transactions or investment opportunities involving activities that are prohibited, unlawful, unethical or inconsistent with IMFB’s Shariah-conscious principles.

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These may include activities connected with:

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  • Alcohol production, distribution or sale

  • Gambling, betting or gaming activities

  • Pornography or adult entertainment

  • Tobacco, nicotine and related products

  • Conventional interest-based lending as a core activity

  • Speculative or non-asset-linked financial transactions inconsistent with IMFB policy

  • Weapons, arms trading or prohibited military goods

  • Fraud, corruption, bribery or financial crime

  • Sanctions exposure or prohibited counterparties

  • Illegal drugs or controlled substances

  • Human exploitation, forced labour or abusive labour practices

  • Environmental harm or unlawful extraction activity

  • Any activity prohibited by applicable law, regulation, provider policy or IMFB internal governance

 

IMFB may request additional information to assess the nature of a client’s business, transaction, asset, counterparty or source of funds.

Client Protection and Financial Crime

IMFB is committed to supporting responsible, lawful and transparent financial and commercial activity.

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Client protection and financial-crime controls may include:

  • Identity verification

  • Business verification

  • Beneficial-ownership checks

  • Source-of-funds enquiries

  • Source-of-wealth enquiries

  • Counterparty screening

  • Sanctions screening

  • Politically exposed person checks

  • Transaction monitoring

  • Fraud-prevention controls

  • Ongoing due diligence

  • Documentation review

  • Suspicious-activity escalation where required

 

IMFB and its relevant providers may refuse, delay, suspend or terminate onboarding, services, transactions or client relationships where legal, regulatory, compliance, fraud, sanctions, financial-crime, Shariah or reputational concerns arise.

Anti-Money Laundering

IMFB supports anti-money-laundering and counter-terrorism-financing principles across its platform, client relationships and transaction coordination activities.

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Clients, investors, suppliers, partners and counterparties may be required to provide information and documentation for compliance purposes, including:

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  • Legal name and registration details

  • Identification documents

  • Corporate structure information

  • Beneficial ownership information

  • Source of funds

  • Source of wealth

  • Purpose of transaction

  • Expected transaction activity

  • Supporting commercial documentation

  • Tax, legal or regulatory information where required

 

IMFB may share relevant information with authorised service providers, regulated partners, compliance providers, professional advisers or competent authorities where required or permitted by law.

Providing false, incomplete or misleading information may result in refusal of service, transaction suspension or termination of the relationship.

Fraud and Security

IMFB takes fraud prevention, transaction security and client protection seriously.

Clients are responsible for protecting their account access, devices, passwords, authentication codes, email accounts, mobile phones, documents and transaction instructions.

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IMFB and its providers may implement fraud-prevention measures including:

  • Identity verification

  • Device or access checks

  • Transaction monitoring

  • Manual payment review

  • Suspicious activity screening

  • Additional authentication requirements

  • Payment limits

  • Transaction delays or holds

  • Document verification

  • Confirmation of payment instructions

 

Clients should never share passwords, access credentials, one-time codes, private keys, wallet credentials or confidential account information with third parties.

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Where fraud, cybercrime, impersonation, phishing, unauthorised access or suspicious payment activity is suspected, clients should contact IMFB immediately.

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IMFB and its providers may not be able to reverse completed transactions unless permitted under applicable law, provider rules or payment-system procedures.

Data Privacy

IMFB may collect, use, store, process and share personal and business information for legitimate business, contractual, compliance, legal, security and operational purposes.

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This may include information required for:

  • Client onboarding

  • Identity verification

  • Business verification

  • Beneficial-ownership assessment

  • Compliance screening

  • Transaction coordination

  • Payment processing

  • Client support

  • Platform administration

  • Fraud prevention

  • Legal and regulatory compliance

  • Reporting and record keeping

  • Service improvement

 

Where applicable, IMFB seeks to process personal data in accordance with Brazil’s Lei Geral de Proteção de Dados and other relevant privacy laws.

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Personal data may be shared with authorised service providers, regulated partners, payment providers, custodians, escrow providers, identity-verification providers, technology providers, professional advisers, compliance providers and public authorities where necessary or legally required.

Further details should be set out in IMFB’s Privacy Policy and Cookie Policy.

Digital Service Availability

IMFB’s digital services may depend on third-party technology, payment infrastructure, financial-service providers, cloud services, identity-verification providers, data services, communications networks, custodians, escrow providers and other operational partners.

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IMFB aims to provide reliable digital access, but uninterrupted service cannot be guaranteed.

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Services may be unavailable, delayed, suspended or restricted due to:

  • Scheduled maintenance

  • Emergency maintenance

  • Technology outages

  • Provider disruption

  • Cybersecurity events

  • System upgrades

  • Regulatory requirements

  • Transaction monitoring

  • Fraud or security reviews

  • Client verification issues

  • Payment-system issues

  • Force majeure events

  • Circumstances outside IMFB’s control

 

IMFB may modify, suspend or withdraw digital services, features or access where required for legal, regulatory, security, operational, provider or commercial reasons.

Investment and Product Risk Disclosure

Trade, investment, financial-product, digital-asset, property, commodity, SME, receivables and direct-investment opportunities involve risk.

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No content on the IMFB website should be treated as a guarantee of return, capital protection, liquidity, transaction completion, counterparty performance, Shariah certification, regulatory approval or commercial success.

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Risks may include:

  • Loss of capital

  • Counterparty default

  • Market volatility

  • Liquidity constraints

  • Valuation uncertainty

  • Currency movements

  • Regulatory change

  • Tax change

  • Operational risk

  • Fraud risk

  • Custody risk

  • Technology risk

  • Political and country risk

  • Trade and logistics disruption

  • Commodity-price movement

  • Property-market risk

  • Business-performance risk

  • Digital-asset volatility

  • Shariah interpretation risk

 

Clients and investors should carefully consider whether a product, transaction or investment opportunity is suitable for their circumstances.

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Independent legal, tax, financial, regulatory, investment and Shariah advice should be obtained where appropriate.

General Risk Warning

The information on this website is provided for general informational purposes only.

It does not constitute:

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  • Personal financial advice

  • Investment advice

  • Legal advice

  • Tax advice

  • Regulatory advice

  • Shariah advice

  • A recommendation

  • An offer

  • An invitation

  • A solicitation

  • A guarantee of approval, return or performance

 

Any financial service, investment opportunity, trade transaction, payment service, custody arrangement, escrow arrangement, digital-asset service, product structure or commercial engagement is subject to applicable laws, provider terms, due diligence, client eligibility, risk assessment, documentation and formal approval.

Past performance is not a reliable indicator of future performance.

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Forward-looking statements, projections, estimates, examples or case studies are illustrative only and may not be achieved.

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Clients and investors should make their own assessment before proceeding with any product, service, transaction or investment.

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