Terms of Service

Last updated: July 30, 2026.

These terms govern your use of lawful.fyi (the “Service”). By using the Service, you agree to them. If you don't agree, don't use the Service. We may update these terms as described in §13; continued use after an update means you accept the new terms.

1. What this Service is — and isn't

lawful.fyi runs an automated, rule-based shariah screen against public SEC filings, across six published index methodologies. It is a research and reference tool. It is not a fatwa, not financial or investment advice, and not a recommendation to buy, sell, or hold anything. See Methodology for exactly how each verdict is computed, and §7 below for the full disclaimer.

2. Automated screening & AI disclosure

Every verdict on this site is produced by an automated screening engine applying a published methodology (AAOIFI Shari'ah Standard No. 21 and five other index standards) to data pulled from SEC filings and public financial data. No human reviews or approves individual verdicts before they're shown to you. A small number of gray-area classifications are set by first-party editorial review rather than the ratio engine alone — every report discloses when this applies and why.

The engine can be wrong. Source data can be stale, incomplete, or itself in error; a rule-based screen cannot capture every real-world nuance a human scholar might. Verify anything that matters to you against the underlying filing — every figure on the site links to the exact document it came from, specifically so you can.

3. Eligibility

The Service is intended for general audiences and is not directed at children. If you're under 13, please don't use it. If you're between 13 and the age of majority where you live, you may use it only with a parent or guardian's permission.

4. Acceptable use

You agree not to:

• Circumvent, disable, or place excessive load on rate limits or other technical protections (including automated or scripted querying beyond ordinary interactive use);
• Scrape, mirror, or systematically republish the Service's content as your own;
• Reverse-engineer the Service beyond what applicable law expressly permits;
• Use the Service to build a competing product from its outputs at scale;
• Misrepresent a verdict shown here as investment advice, a fatwa, or an official ruling;
• Use the Service for any unlawful purpose.

5. Intellectual property

The Service's design, code, methodology write-ups, and original commentary are owned by us or our licensors. The underlying facts we screen — a company's financials, its SEC filings, its stock price — are public data and belong to no one; we claim no ownership over them, only over how we've organized and presented them.

6. Third-party data & links

Figures and citations come from SEC EDGAR and Yahoo Finance; news headlines from Google News; charts render via TradingView Lightweight Charts™. We don't control these sources, can't guarantee their accuracy or availability, and aren't responsible for their content. Links to a filing or an external article are provided for your convenience and don't imply endorsement of the destination.

7. No advice; not a fatwa

Nothing on this site is investment, financial, tax, or legal advice, and nothing is a fatwa or religious ruling. We are not a licensed investment adviser, broker-dealer, or Islamic scholarly body. The Service reports what a published rule-based standard concludes from public data — it does not tell you what to do with your money, and it is not a substitute for qualified professional or scholarly guidance suited to your own circumstances.

8. Disclaimers & limitation of liability

The Service is provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, completeness, merchantability, fitness for a particular purpose, or uninterrupted availability. We don't guarantee the Service will be error-free or always online.

To the fullest extent the law allows, we won't be liable for any indirect, incidental, consequential, special, or punitive damages, or any loss of profits, data, or goodwill, arising from your use of the Service — including decisions made in reliance on a verdict shown here. Some jurisdictions don't allow these limitations, so some of them may not apply to you.

9. Indemnification

You agree to indemnify and hold us harmless from claims arising out of your misuse of the Service or violation of these terms.

10. User content

The Service does not currently offer a way to post public comments, reviews, or other content visible to other users. If that changes, any content you submit remains yours, but you grant us a license to host and display it as part of operating the Service, and you're solely responsible for what you post. We reserve the right to remove content that violates these terms or applicable law.

11. Copyright complaints

If you believe content on this site infringes your copyright, email hello@lawful.fyiwith (a) a description of the work, (b) the URL where it appears, (c) your contact information, and (d) a statement that you have a good-faith belief the use is unauthorized. We'll review and respond in good faith.

12. Dispute resolution & arbitration

Please read this section carefully — it affects your legal rights.

Most concerns can be resolved by emailing hello@lawful.fyifirst. If a dispute can't be resolved that way, you and we agree to resolve it by binding individual arbitration under the American Arbitration Association's consumer arbitration rules, rather than in court, except that either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in court for misuse of intellectual property.

Class action waiver.Disputes will be arbitrated on an individual basis only; neither party may bring a claim as a plaintiff or class member in any purported class or representative proceeding. This waiver does not apply to, and does not limit, any representative action under California's Private Attorneys General Act (PAGA) or any other right that cannot be waived as a matter of law — those claims may proceed in court even where an individual claim is compelled to arbitration.

Opt-out. You may opt out of this arbitration agreement by emailing hello@lawful.fyi within 30 days of first using the Service, stating that you decline to arbitrate.

If any part of this section is found unenforceable, that part is severed and the dispute proceeds in the courts identified in §13, rather than voiding the rest of this agreement.

13. Changes, termination & general terms

We may update these terms from time to time; the “Last updated” date above will change accordingly. We may suspend or discontinue the Service, or your access to it, at any time. These terms are governed by California law, without regard to its conflict-of-laws rules, and (subject to §12) the state and federal courts located in California have exclusive jurisdiction over anything not sent to arbitration. If any provision here is found invalid, the rest remains in effect. Our failure to enforce a provision isn't a waiver of it. These terms, together with our Privacy Policy, are the entire agreement between you and us regarding the Service.

Contact

Questions about these terms: hello@lawful.fyi