Investment Terms and Conditions

Terms and conditions for using our platform

Investment Terms & Conditions

Last Updated: October 2025

Welcome to the Akhlaq Investment Program (referred to as “we,” “our,” or “the Company”).
By investing through akhlaq.com.bd or any authorized Akhlaq platform, you (“the Investor,” “you,” or “your”) agree to the following Terms and Conditions.

Please read them carefully before proceeding.


1. Introduction

The Akhlaq Investment Program is a halal, ethical, and transparent investment initiative operated by Akhlaq, focusing on Shariah-compliant business ventures and product development.
Participation in this program constitutes a legal agreement between you and Akhlaq.


2. Eligibility

To participate, you must:

  • Be at least 18 years of age.

  • Be a Bangladeshi citizen or a legally authorized foreign investor.

  • Provide valid identification and complete KYC verification.

  • Agree to comply with all applicable laws and regulations.

Akhlaq reserves the right to accept or reject any investment application without providing a specific reason.

3. Investment Nature

  • All investments made under the Akhlaq Investment Program are Shariah-compliant.

  • Investments are treated as partnership-based contributions, not as fixed-interest loans.

  • Returns are profit-based, calculated from the net earnings of the associated business project.

  • Profit rates are subject to change depending on business performance, costs, and market conditions.

Akhlaq does not guarantee fixed returns, ensuring full compliance with Islamic financial principles.

4. KYC and Legal Agreement

  • Investors must complete the Know Your Customer (KYC) process before requesting a legal investment agreement.

  • Required documents include NID/Passport, recent photograph, and address verification.

  • Once verified, a legal agreement (digital or physical) will be issued for your records.

  • Akhlaq reserves the right to delay or withhold agreement generation until KYC is fully verified.

    5. Payment and Receipts

    • Investments can be made via approved payment methods listed on the platform.

    • Once a payment is received, investors will get an official payment confirmation email and receipt.

    • All transactions are recorded transparently in your Investor Dashboard.



    6. Profit Distribution

    • Profits are distributed periodically as declared by Akhlaq.

    • Distribution may occur monthly, quarterly, or annually, depending on the nature of the project.

    • Investors will be notified before each distribution cycle.

    • Profits will be transferred to the investor’s designated bank or mobile financial account.



    7. Withdrawal and Refund Policy

    • Investments are generally non-refundable after confirmation.

    • Withdrawal requests (partial or full) can be made after the minimum lock-in period, specified in the agreement.

    • Early withdrawal may result in reduced profit entitlement or administrative charges.



    8. Risk Acknowledgment

    By investing with Akhlaq, you acknowledge and understand that:

    • All business investments carry potential risks, including market fluctuation, operational loss, or unforeseen circumstances.

    • Akhlaq will make every reasonable effort to safeguard your capital and deliver profit ethically.

    • However, Akhlaq cannot guarantee returns or capital protection, in accordance with Islamic financial ethics.



    9. Investor Responsibilities

    You agree to:

    • Provide accurate and updated personal and financial information.

    • Avoid engaging in fraudulent, misleading, or illegal activities.

    • Respect all Akhlaq’s policies, including the Privacy Policy and Anti-Money Laundering (AML) guidelines.


      10. Communication

      All official communication will be made through:

      • Your registered email address, or

      • Notifications inside your Akhlaq Investor Dashboard.

      Akhlaq will never ask for your password or OTP through phone or social media.



      11. Termination of Participation

      Akhlaq reserves the right to suspend or terminate an investor’s participation in cases of:

      • Policy or legal violations

      • Fraudulent or unethical behavior

      • Failure to comply with KYC or verification requirements

      Upon termination, any due profits (if applicable) will be settled according to the final audited balance.



      12. Legal Compliance

      • This investment program operates under the laws of Bangladesh.

      • Any dispute arising from these terms will be subject to the jurisdiction of Bangladeshi courts.

      • Akhlaq follows all Shariah-compliant investment standards and national financial regulations.



      13. Amendments

      Akhlaq reserves the right to update or modify these Terms & Conditions at any time.
      All changes will be posted on this page with a revised date.
      Continued participation after updates constitutes acceptance of the new terms.



      14. Contact Information

      For any questions or clarification regarding these Terms & Conditions, please contact:

      📧 support@akhlaq.com.bd
      📞 +880711305889
      🌐 akhlaq.com.bd

      Akhlaq – Ethical. Transparent. Trustworthy.

      We believe in building a future where halal investment leads to collective growth, sustainability, and spiritual success. 🌿