The platform AMANAH AI (the "Platform", "Service") is developed, owned and operated exclusively by:

OBSIDIAN ARROW LLP is the sole rights holder of the Platform, including the "AMANAH AI" designation, domain name, source code, assessment methodology, all analytical algorithms and other intellectual property.

AMANAH AI is a commercial analytical platform for the preliminary assessment of companies’ readiness for Islamic financing (Shariah Readiness Assessment).

The Platform provides the following services:

• Preliminary assessment across the 6 blocks of the AMANAH AI methodology, based on AAOIFI standards with references to IFSB;
• Preparation of the Shariah Readiness Report (one report per company);
• Identification of risk areas for non-compliance with Islamic finance principles;
• An action plan for unmet items and a re-assessment on request after fixes;
• Sharing the application, report and selected documents with a financial institution chosen by the client, with the client’s consent;
• Preparation of materials for review by financial institutions. The Platform does not guarantee financing and does not transfer funds.

The Platform is intended for legal entities and sole proprietors who want to assess their business’s readiness for Islamic financing, and for financial institutions that receive such materials with the companies’ consent.

What the output is NOT	Explanation
A Fatwa	A religious ruling may only be issued by a qualified Islamic scholar (Mufti, Shariah scholar). No algorithm or analytical system can substitute for such a ruling.
An Official Shariah Certificate	The Platform is not a Shariah certification body. Official opinions on Shariah compliance are issued by the Shariah Supervisory Board (SSB) of a financial institution or another authorised Shariah body.
Legal Advice	The Platform's outputs are not legal advice, legal expertise, or the opinion of a licensed attorney. For legal matters, consult a qualified lawyer.
An Investment Recommendation	The Platform is not a licensed investment adviser. Any investment decisions are made by the user independently and at their own risk.
An Audit Opinion	The Platform's scoring is not a financial statement audit. For financial audit purposes, engage a licensed auditor.
A Guarantee of Investment	A high score or a high readiness level does not guarantee financing from any financial institution. The institution decides independently.

The AMANAH AI methodology is AMANAH AI’s own methodology based on the publicly available standards of AAOIFI (Accounting and Auditing Organization for Islamic Financial Institutions), with references to IFSB (Islamic Financial Services Board) standards. It comprises 6 blocks and 27 checks; its summary (weights, checks, thresholds and caps) is published on the Assessment Approach page:

1. Business activity and Shariah screening — whether the core business is prohibited or restricted, the activities in the charter, Shariah governance (policy, board or adviser);
2. Revenue sources — the share of interest and other impermissible income, declared revenue sources, interest in bank statements;
3. Financial structure — balance-sheet ratios (interest-bearing debt, interest-bearing deposits and loans granted) and the terms of financing agreements;
4. Commercial contracts — terms of contracts with customers and suppliers: interest, late-payment penalties, price uncertainty (gharar), insurance;
5. Transparency — audit, disclosure of owners and beneficiaries, registration, legibility and consistency of documents;
6. Financing readiness and ESG — the financing request and instrument, business plan, zakat, income purification and ESG.

Analysis is carried out on the basis of the data and documents submitted by the user. Text-based PDF, Word, Excel and CSV files are read automatically; scans are recognised by OCR on the Operator’s server or, if the Operator has enabled it, by an AI model (Anthropic Claude), if a file cannot be read, it is flagged and checked manually. The checks are rule-based; the report is published automatically once payment is received and the analysis is complete. Gaps and conflicts between documents are never replaced with zero but are shown in the report; any manual change to a result is logged with its reason. The accuracy of results depends directly on the completeness and accuracy of the data provided.

To the maximum extent permitted by the law of the Republic of Kazakhstan, OBSIDIAN ARROW LLP shall not be liable for:

• any direct, indirect, incidental, special, or consequential losses of the user;
• loss of profits, revenue, goodwill, or business opportunities;
• loss of user data due to technical failures;
• decisions made by the user based on Platform outputs;
• errors, inaccuracies, or outdated data submitted by the user or third parties;
• temporary unavailability of the Platform due to technical reasons;
• actions of third parties, including hosting providers, email services, API partners and financial institutions;
• religious, ethical, or reputational consequences for the user;
• any mismatch between the user's expectations and the actual results of the analysis.

The Platform is provided on an "as is" and "as available" basis, without any express or implied warranties.

The aggregate liability of OBSIDIAN ARROW LLP to any user shall not exceed the amount actually paid by the user for Platform services in the 12 months preceding the claim.

The user bears full and sole responsibility for:

• the accuracy, completeness, and currency of data submitted during registration and the application process;
• any decisions (investment, business, financial, religious) made using Platform outputs;
• compliance of their own activities with applicable law;
• unauthorised access to the Platform from their devices or account;
• the choice of financial institutions and of the data shared with them;
• use of Platform outputs in contradiction with the terms of this document and the Terms of Use.

The user confirms that before taking any significant decision they will conduct their own additional verification and, where necessary, consult qualified professionals.

The Platform is not a Shariah Supervisory Board (SSB), has no authority to issue religious rulings, and does not claim to replace the opinion of a qualified Islamic scholar.

To obtain an official Shariah ruling, users should consult:

• a qualified Islamic scholar (Shariah scholar / Mufti);
• the Shariah Supervisory Board (SSB) of the financial institution or another authorised Shariah body;
• a national Islamic finance regulator (e.g., BNM in Malaysia, CBUAE in the UAE).

The user acknowledges and accepts the following limitations:

Limitation	Description
Input data quality	The accuracy of the analysis is determined by the quality of data submitted by the user. Incomplete or inaccurate data leads to incorrect results.
Limits of automation	Any automated system has margins of error. That is why every figure refers to its source document, gaps and conflicts are shown explicitly, and the user can report an error and request a re-assessment; the assessment is nevertheless limited to the materials provided.
Up-to-date standards	AAOIFI and IFSB standards are periodically updated. The Platform endeavours to keep its methodology current, but does not guarantee immediate reflection of all changes.
Regional differences	The interpretation of Islamic finance norms may differ across jurisdictions (Malaysia, UAE, Kazakhstan, Pakistan, etc.). Platform outputs do not account for all regional specificities.
Business changes	Analysis results are accurate as of the date of submission. Changes to the user's business model require a new assessment.

OBSIDIAN ARROW LLP is not:

• a licensed investment adviser;
• a broker, dealer, or asset manager;
• a participant in the securities market.

No information contained on the Platform or in the analysis results should be construed as:

• advice or an offer to buy, sell, or hold any financial instrument;
• a forecast of returns or a guarantee of capital recovery;
• confirmation of the financial soundness or solvency of any analysed company.

All investment decisions are made solely by the user at their own risk following independent due diligence.

This Legal Disclaimer is governed by and construed in accordance with the laws of the Republic of Kazakhstan.

All disputes arising in connection with use of the Platform shall be resolved:

1. through a pre-action claims procedure by submitting a written claim to info@amanah-ai.com (response period — 30 calendar days);
2. if no agreement is reached — through the courts at the place of registration of OBSIDIAN ARROW LLP in accordance with the procedural legislation of the Republic of Kazakhstan.

If any provision of this document is found to be invalid or unenforceable, this shall not affect the validity of the remaining provisions.

This Legal Disclaimer comes into effect on 26 March 2026 and remains in force until a new version is adopted. OBSIDIAN ARROW LLP reserves the right to amend this document unilaterally. The current version is always available at amanah-ai.com/disclaimer.html.