Every clause matters
We mark up your contracts, term sheets, and customer materials for Shariah risk — plain-language comments your legal team can action. We do not draft legal documents or provide Hong Kong legal advice.
Send a document
Facility agreementsMaster MurabahaIjarah schedulesPDPsMarketingApp copy
ARTICLE 4 — PROFIT
interest shall accrue
profit margin agreed upfront// Shariah: remove riba language
interest shall accrue
profit margin agreed upfront// Shariah: remove riba language
SCHEDULE B — ASSET
Transfer on execution...// verify ownership chain
Transfer on execution...// verify ownership chain
CUSTOMER FAQ v3
"Guaranteed returns"...// mis-selling risk
"Guaranteed returns"...// mis-selling risk
Review depth
What we examine
Contract mechanicsDoes the document reflect the nominated Islamic contract? Are penalties, defaults, and set-offs structured acceptably?
Defined termsInterest, guarantee, loan, and deposit language — flagged where it conflicts with Shariah positioning.
Cash flowsPayment schedules, profit recognition, and fee lines vs approved structure.
Security & guaranteesThird-party guarantees, cross-defaults, and enforcement clauses from a Shariah perspective.
Customer disclosuresKey facts, risk warnings, and Shariah explanations in plain English / Chinese as provided.
Operational annexesProcess flows, agency letters, and platform terms that affect compliance in practice.
5–10
Business days · standard memo
48h
Express · by agreement
Per doc
Fixed fee · scoped upfront
Output
What you get back
Annotated PDF or Word comments plus a summary advisory memo — severity-rated findings (critical / moderate / editorial).
- Suggested compliant wording alternatives (advisory — your counsel approves final text)
- Cross-reference to your existing Shariah approval, if any
- Optional management call to walk through findings
Do you rewrite our contracts?
We comment and suggest. Legal drafting and execution remain with your institution and its Hong Kong / overseas counsel. We are not a law firm.
Can you review documents in Arabic?
We review English and Arabic materials where provided. Complex Arabic legal nuance may require coordination with your external scholars.
Does a clean review mean SFC approval?
No. Our review addresses Shariah structure and language only. Regulatory authorisation is a separate matter for your compliance team.
Have a document ready?
Send a redacted draft — we will confirm fee and turnaround before work begins.