Terms & Conditions

1. General terms

• You must be 18 years or older to create an account.
• All information you provide on the platform must be true, accurate and up to date.
• You are responsible for your account password and its security.

2. For investors (Murabaha / Musharaka principles)

Puji is not a bank or an interest-based financial institution. It is a crowdfunding platform that operates on Islamic finance principles:

• No fixed interest is guaranteed. Returns are determined by the project's profit or loss.
• Puji acts only as an intermediary between entrepreneurs and investors. The platform is not legally liable for direct business losses unless fraud by the entrepreneur is proven.
• It is the investor's responsibility to understand a project's details and risk before investing.

3. For entrepreneurs

• The business details submitted for funding must be entirely truthful. Any misrepresentation will lead to legal action.
• Capital and profit share must be paid to investors on the schedule set out in the agreement.
• Platform fees and processing charges may be deducted before funds are released.

4. Platform rights

Puji reserves the right to change or revise these terms at any time without notice. It also retains full rights to suspend or cancel any account for suspicious activity.