Terms & Conditions

National Zakat Foundation (NZF) South Africa
Last Updated: 19 March 2025

These Terms and Conditions govern your use of the National Zakat Foundation (NZF) website. By accessing or using this website, you acknowledge and agree to comply with these Terms. If you do not agree with any part of these Terms, please discontinue using the website.

1. Definitions

  • “NZF,” “We,” “Us,” or “Our” refers to the National Zakat Foundation South Africa, a registered non-profit organisation in South Africa.
  • “Website” refers to https://www.nzf.org.za.
  • “User,” “You,” or “Your” refers to any individual, entity, or organisation accessing or using the website or services.
  • “Services” refers to the collection, distribution, and management of Zakat and other charitable funds, as well as educational and community initiatives provided by NZF.
  • “Investment” or “Investments” refers exclusively to funding initiatives or financial resources allocated in line with Islamic principles, aimed at sustainable community development and ethical business support. Any mention of Investment within NZF’s framework refers to social impact funding, developmental contributions and donations.
  • “Donations” refer to voluntary contributions made towards NZF’s causes, including but not limited to Zakat, Sadaqah, and Waqf.

2. Use of the Website

  • The website is intended for lawful use and must be accessed in compliance with South African laws and Islamic financial principles.
  • You agree not to engage in unauthorised activities such as hacking, data scraping, fraudulent donations, or interference with website functionality.
  • NZF reserves the right to restrict, suspend, or terminate access to users who violate these Terms.

3. Donations & Payments

  • All donations made through the website are voluntary, non-refundable, and non-exchangeable, except in cases of an error during the donation process.
  • NZF ensures that funds are allocated responsibly in accordance with Islamic principles, South African legal frameworks, and organisational transparency standards.
  • By making a donation, you acknowledge that NZF is not responsible for payment processing errors by third-party providers or any unintended consequences resulting from the allocation of funds.
  • Users must provide accurate and verifiable payment information when making donations.

4. Zakat & Charitable Fund Distribution

  • NZF adheres to Islamic guidelines and South African regulatory requirements in distributing Zakat, Sadaqah, and other charitable funds.
  • NZF ensures strict compliance with Shariah principles, and funds will be distributed exclusively for permissible and ethically sound causes.
  • Donations may be pooled to optimise distribution efforts, and funds may be used for initiatives that align with poverty alleviation, community development, and ethical empowerment.
  • NZF does not provide individual financial returns on donations or charitable contributions, as these funds are intended solely for community impact and public benefit.

5. Investments & Ethical Funding Initiatives

  • NZF’s concept of Investment strictly adheres to Islamic ethical financing, ensuring all capital is deployed without interest (Riba), speculative (Gharar), or unethical (Haram) activities.
  • Investments under NZF are structured to empower communities, support sustainable projects, and develop businesses that align with Islamic ethical standards.
  • While NZF does not directly offer financing, we facilitate access to Shariah-compliant investment solutions through strategic partnerships and alliance banking partners.
  • NZF connects businesses and startups with trusted experts in:
    • Profit-sharing (Mudarabah) – A financing arrangement where capital is provided to an entrepreneur, and profits are shared based on a predetermined ratio.
    • Partnership financing (Musharakah) – A joint venture where two or more parties contribute capital and share profits and losses.
    • Leasing (Ijara) – A rental-based structure where an asset is leased to a user while maintaining compliance with Islamic finance principles.
  • All investment facilitation is subject to due diligence, ethical compliance, and adherence to responsible growth principles.

6. Intellectual Property

  • All content on the website, including but not limited to text, images, logos, and digital media, is owned by NZF and protected under South African copyright laws.
  • Users are prohibited from copying, reproducing, modifying, or distributing any website content without prior written permission from NZF.

7. Privacy & Data Protection

  • NZF complies with South Africa’s Protection of Personal Information Act (POPIA) and other applicable privacy regulations.
  • Personal information collected through the website is strictly confidential and will not be shared with third parties without explicit user consent, except as required by law.
  • Users may request to access, modify, or delete their personal data as per the Privacy Policy.

8. Third-Party Links & Services

  • Our website may contain links to third-party websites for informational purposes.
  • NZF does not endorse or take responsibility for the content, policies, or practices of external sites.
  • Users should review third-party terms and privacy policies before engaging with external services.

9. Disclaimer & Limitation of Liability

  • NZF provides the website and services on an “as-is” and “as-available” basis, without warranties of any kind.
  • NZF does not guarantee uninterrupted website access, accuracy of information, or error-free functionality.
  • NZF is not liable for any direct, indirect, incidental, or consequential damages arising from website use or reliance on website content.

10. Indemnification

  • Users agree to indemnify and hold NZF harmless from any claims, damages, or losses resulting from misuse of the website or violation of these Terms.

11. Amendments to Terms

  • NZF reserves the right to update, modify, or amend these Terms at any time.
  • Any changes will be posted on this page with the updated date.
  • Continued use of the website after changes are made constitutes acceptance of the revised Terms.

12. Governing Law & Jurisdiction

  • These Terms are governed by and interpreted under the laws of South Africa, ensuring alignment with Shariah principles and regulatory compliance.
  • Any disputes arising from these Terms shall be resolved in the courts of South Africa, with efforts to follow Islamic arbitration principles where applicable.

13. Contact Information

For any inquiries regarding these Terms, please contact us at:

National Zakat Foundation (NZF)
Email: legal@nzf.org.za
Address: 147 Gordon Road, Morningside, Durban, 4001, KwaZulu Natal