Welcome to the official website of the Islamic Corporation for the Development of the Private Sector. By using this website, you agree to be bound by the following terms and conditions.

This website (the "Website") is owned and administered by the Islamic Corporation for the Development of the Private Sector ("We", "Our", "ICD" or "Us") as a courtesy to those who may choose to access it ("User(s)"). References to the Website shall include all content and pages that are within each section of the Website or associated with the Website and materials presented herein are for information purposes only.

The Terms of Use (as defined below) shall apply to all such content and pages. Your use of the Website, including all features contained herein, shall be, at all times, subject to this Terms and Conditions and Our Privacy Policy (collectively, the "Terms of Use").

Unless otherwise stated, the findings, interpretations and conclusions expressed in any document, video clip or photograph contained in this website are those of their authors and are not necessarily those of the ICD, members of the Board of Directors or General Assembly of ICD or the countries they represent.

By using the Website, you are agreeing that: (i) you have read the Terms of Use and (ii) you understand, accept, and agree to be bound by the Terms of Use. The Terms of Use may be amended or updated by Us from time to time. It is your sole responsibility to read and check the Terms of Use prior to your use of the Website. We may terminate your access to the Website at any time, including upon your violation of the Terms of Use. Through your interactions with Us, including your interactions with this Website, We collect, use, disclose and protect certain information from you, including personal data. For more information, please see Our Privacy Policy. By using the Website, you agree to Our Privacy Policy and any modifications thereto.

The Website is intended only for use by authorized users who agree to the Terms of Use. Further, the Website contains certain features and options that may present an opportunity for you to provide to us, or for Us to otherwise obtain from you, confidential and non-public information. or your other type of information or content.

We reserve the right to perform routine system updates and maintenance on the Website at any time, with or without notice to you. We reserve the right to terminate, suspend, or modify your access to the Website at any time, in whole or in part, in Our sole discretion.

The information presented in this Website is for informative purposes only. We are pleased to allow Users to visit the Website and download and copy the information, documents and materials (collectively "Materials") from the Website for the User's personal use only, without any right to resell, redistribute or create derivative works therefrom, subject to the terms and conditions contained herein. You may not use the Website or any Material downloaded from the Website for any commercial or business purposes. In addition, you agree not to use the Website in any way that violates any applicable local or international law or regulation. You further agree not to attempt to gain unauthorized access to, interfere with, damage, disrupt, or otherwise compromise in any way any parts of the Website, or any server, computer, user, or database related to or connected with the Website.

You shall not, directly or indirectly, collect any information, data, materials, images, or other content available on the Website, including using automated means, including data/information harvesting bots, mining programs, spiders, and other scrapers. Any attempt to do so shall constitute a breach of the Terms of Use.

You agree not to upload, transmit, distribute, or otherwise publish in or on the Website any content that is illegal or otherwise harmful, including, without limitation, content that: (i) is libelous, defamatory, obscene, pornographic, abusive, threatening; (ii) represents a personal attack against or an invasion of the privacy of any individual; (iii) infringes the intellectual property rights, including, but not limited to, copyrights and trademarks, of any person or entity; and/or (iv) advertises any goods or services. We may, at any time, refuse or remove any content without notice to you. However, We shall have no obligation to monitor content, and you agree that We will not be liable for any loss or damage arising out of or relating to any content or the uploading or submission of such content to the Website.

The Website may contain information, content, and/or hyperlinks provided by or related to third parties which are provided for convenience only. We do not sponsor, endorse or control any such third-party content or linked websites and your use of the same shall be governed by terms of use and/or privacy policies maintained by and applicable to those third parties. We shall not be responsible for any technical malfunctions or failures, interruptions, deletions, or defects of any telecommunication system or network, online system, data, computer equipment, servers, providers, or software that result in the loss of your information or content.

The Website and all content (including trademarks, trade dress, graphics, design, and images), functionality, and features are the exclusive property of ICD or Our content providers and are protected under applicable international copyright law, trademark law, patent law, and/or other intellectual property laws. All trademarks, names, logos, slogans, and the like are the proprietary marks of the respective owners. No trademarks, content, graphics, or designs appearing on the Website may be used in any way without express written consent from the respective owner(s). No reproduction of any part of the Website may be made or used except as expressly permitted herein. No other license or right is granted. You may not remove or alter any copyright or other legal notice from copies of materials from the Website. All rights are expressly reserved. You are not permitted to use any of Our trademark without our prior written approval.

By accessing and using the Website, you expressly agree to indemnify, release and hold Us harmless, as well as Our subsidiaries, affiliates, employees, and agents, as well as the officers, directors, employees, shareholders and representatives of any of the foregoing (collectively, the "Indemnified Parties"), from and against any claim, demand, liability, dispute, damage, cost, expense, or loss (including reasonable attorneys' fees and costs of litigation) arising out of or in any way related to your violation of the Terms of Use, your access or use of the Website, your submission or transmission of any content to or through the Website, your or Our access or use of any content, or your violation of any rights of another (including publicity rights or rights to privacy).

We disclaim all warranties of any kind, whether express or implied, statutory or otherwise, including but not limited to any warranties of merchantability, non-infringement, and fitness for a particular purpose. We are not liable for any loss or damage caused by viruses or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of the Website or any services or items obtained through the Website, or to your downloading of any material posted on it, or on any website linked to it.

Your use of the Website, its content, and any services or items obtained through the Website is at your own risk. The Website, its content, information, and any services or items obtained through the Website are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. We make no warranty or representation of any kind with respect to the completeness, security, reliability, quality, accuracy, or availability of the Website. Without limiting the foregoing, neither we nor anyone associated with us represent or warrant that the Website, its content, or any services or items obtained through the Website will be accurate, reliable, error-free, or uninterrupted, that defects will be corrected, that Our Website or the server that makes it available are free of viruses or other harmful components, or that the Website or any services or items obtained through the Website will otherwise meet your needs or expectations.

The User specifically acknowledges and agrees that ICD is not liable for any conduct of any User.

The Website may contain advice, opinions, and statements of various information and content providers. We do not represent nor endorse the accuracy, completeness, reliability or current validity of any advice, opinion, statement or other information provided by any information or content provider, or any User of the Website or other person or entity. Reliance upon any such opinion, advice, statement, or other information shall also be at the User's own risk.

Nothing on this Website or any material contained herein shall be construed, implicitly or explicitly, as containing any investment recommendations, an offer of or an invitation by or on behalf of ICD to subscribe for, purchase or sell any shares or securities or other financial instruments nor should it be considered as investment advice.

This Website may contain documents or presentations with forward looking statements that are subject to risks and uncertainties that might cause actual results to differ from those foreseen.

You acknowledge that in no event will we or Our affiliates, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the Website, any websites linked to it, any content on the Website or such other websites, or any services or items obtained through the Website or such other websites, including any direct, indirect, special, incidental, consequential, or punitive damages. This includes but is not limited to personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, and loss of data, whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.

No waiver by Us of any provision of the Terms of Use shall be binding except as set forth in writing and signed by Our duly authorized representative.

The Terms of Use, together with the Privacy Policy and any additional terms constitute the entire and exclusive agreement between us and the User with respect to your use of the Website, superseding any prior agreements or negotiations between us with respect thereto.

The section titles in the Terms of Use are for convenience only and have no legal or contractual effect.

If any provision of the Terms of Use is deemed void, unlawful, or otherwise unenforceable for any reason, that provision shall be severed from the Terms of Use and the remaining provisions of the Terms of Use shall remain in force. If we waive enforcement of any provision in the Terms of Use, we are not obligated to continue to waive it. The Terms of Use contain the entire agreement between you and Us concerning your use of the Website.

The Terms of Use, and any disputes arising between you and Us related in any way to the Terms of Use, including but not limited to disputes over privacy, advertising, or Our communications with you will be construed, interpreted and enforced in accordance with English law and both parties hereby agree that any action to enforce these terms and conditions shall be brought to the IICRA Arbitration Center (the "Center") before a three (3) persons arbitration panel under the rules of the Center (the "Rules"), which Rules are deemed to be incorporated by reference into this clause. The decision of the arbitration panel so constituted shall be final and binding to the parties.

Without prejudice to the generality of the foregoing, We may bring a claim in any court of competent jurisdiction in any city in which you reside, maintain your corporate headquarters or primary place of business.

Nothing in the Terms of Use shall be construed as a limitation upon or a waiver, renunciation or modification of any of Our immunities, privileges or exemptions accorded to Us under the Articles of Agreement of the Islamic Corporation for the Development of the Private Sector, international convention or any applicable law. Such immunities, privileges or exemptions are specifically reserved.

Last updated 23rd April 2025