Refund & Return Policy

Halal Earning Sources bd.opc operates strictly on the principles of Shariah-compliant Profit & Loss Sharing. No guarantee of a refund or return of capital is provided, except under the specific terms and conditions explicitly detailed in the investment agreement.

An investor may apply for the withdrawal of their investment prior to the expiration of the designated tenure. However, any such application shall be subject to review, evaluation, and approval by the Management Authority and the Shariah Advisory Board.
Depending on the elapsed duration of the investment and the current operational status of the respective business project, penalties or specific deductions may be applied where applicable.

A refund may be taken into consideration under the following specific circumstances:

If the investor cancels the application within 7 working days of submission and prior to the deployment of the investment capital into any active project.
If Halal Earning Sources bd.opc fails to allocate the invested funds into a Shariah-compliant project within 30 working days of the investment confirmation.
If an active project is discontinued due to valid business or legal reasons, subject to the review and formal approval of the Shariah Advisory Board.

No refund shall be granted under the following circumstances:

Once the investment capital has already been deployed and utilized in an active business project.
If the investor seeks to voluntarily cancel the investment after deployment without any valid or justifiable cause.
In the event of natural disasters, political instability, or any other Force Majeure situations where capital recovery becomes practically impossible.

Upon completion of the designated investment tenure (1 to 5 years), the investor shall be entitled to receive their capital along with their agreed share of profits in accordance with the Mudarabah contract.
In the event of a legitimate business loss, the loss shall be borne by the investor. However, if the loss is proven to be caused by the negligence, misconduct, or breach of duty of the manager (Mudarib), legal and Shariah-compliant recourse will be taken accordingly.

Approved refunds will be disbursed within 15 to 30 working days via the bank account provided during registration or through other designated payment channels.
Halal Earning Sources bd.opc reserves the right to request additional identification, supporting documents, or verification details necessary to process and validate the refund application.