# IFQA

> IFQA is an AI-powered Islamic finance assistant that gives structured, educational Shariah-based answers to questions about halal/haram financial products, contracts, and activities. Users can type, speak, or upload a document (contract, term sheet, statement) and receive a ruling with explanation, conditions, and notes — drawing on Hanafi, Shafi'i, Maliki, and Hanbali perspectives. IFQA is explicitly educational only and does not issue binding fatwas; users are directed to consult certified scholars for binding rulings.

IFQA does not replace a qualified Islamic scholar. Answers are structured as Ruling, Explanation, Conditions, and Notes. Free tier: 3 messages/month. Pro: $8/month billed yearly ($96/year) or $10/month, with unlimited questions, document analysis, voice input, and deeper scholarly sourcing. Topics include cryptocurrency, investing, forex, dropshipping, insurance, contracts, and other modern products evaluated against riba and gharar.

## Product
- [Home](https://ifqa.pro/): Chat, voice, and document analysis.
- [Chat](https://ifqa.pro/#features): Ask Islamic finance questions in natural language.
- [Voice Assistant](https://ifqa.pro/voice-assistant): Speak questions hands-free.
- [Document Analysis](https://ifqa.pro/document-analysis): Upload a Word/.docx contract, term sheet, or statement for a Shariah review.
- [Pricing](https://ifqa.pro/#pricing): Free (Explorer) and Pro plans.
- [App](https://app.ifqa.pro/): Live Q&A product.

## Resources
- [Glossary](https://ifqa.pro/glossary): Definitions of Islamic finance terms.
- [Blog](https://ifqa.pro/blog): Articles on Islamic finance topics and rulings.
- [Zakat Calculator](https://ifqa.pro/tools/zakat-calculator): Free nisab-aware calculator with live metal prices.
- [FAQ](https://ifqa.pro/#faq): Accuracy, madhab coverage, privacy, and how IFQA differs from general AI.

## Glossary terms
- [Riba](https://ifqa.pro/glossary/riba): Interest or a guaranteed surplus on a loan.
- [Gharar](https://ifqa.pro/glossary/gharar): Excessive uncertainty that can invalidate a contract.
- [Murabaha](https://ifqa.pro/glossary/murabaha): Cost-plus sale used as a financing structure.
- [Mudarabah](https://ifqa.pro/glossary/mudarabah): Profit-sharing partnership (capital + work).
- [Musharakah](https://ifqa.pro/glossary/musharakah): Joint partnership with shared profit and loss.
- [Ijarah](https://ifqa.pro/glossary/ijarah): Lease of a lawful, usable asset.
- [Sukuk](https://ifqa.pro/glossary/sukuk): Certificates representing ownership in an asset or venture.
- [Takaful](https://ifqa.pro/glossary/takaful): Cooperative alternative to conventional insurance.
- [Nisab](https://ifqa.pro/glossary/nisab): Minimum wealth threshold for zakat.

## Blog
- [Is Cryptocurrency Halal in 2026?](https://ifqa.pro/blog/is-cryptocurrency-halal-2026)
- [Is Forex Trading Halal?](https://ifqa.pro/blog/is-forex-trading-halal)
- [Is Dropshipping Halal?](https://ifqa.pro/blog/is-dropshipping-halal)
- [Is Buy Now Pay Later Halal?](https://ifqa.pro/blog/is-buy-now-pay-later-halal)
- [Is Index Fund / S&P 500 Halal?](https://ifqa.pro/blog/is-index-fund-halal)
- [Full blog index (md)](https://ifqa.pro/llms/blog.md): All published English articles.

## Markdown for AI crawlers
- [Product (md)](https://ifqa.pro/llms/product.md): Product modes, pricing, and how answers are structured.
- [Glossary (md)](https://ifqa.pro/llms/glossary.md): Term definitions for citation.
- [Blog index (md)](https://ifqa.pro/llms/blog.md): Published English articles.
- [Disclaimer (md)](https://ifqa.pro/llms/disclaimer.md): Educational-only scope.

## Optional
- [llms-full.txt](https://ifqa.pro/llms-full.txt): Concatenated markdown corpus (product, glossary, blog index, disclaimer).
- [llms.txt (well-known)](https://ifqa.pro/.well-known/llms.txt): Same index at the well-known path.

## Legal
- [Privacy Policy](https://ifqa.pro/privacy)
- [Terms of Service](https://ifqa.pro/terms)
- [Disclaimer](https://ifqa.pro/#disclaimer): Informational and educational content only; not a fatwa service.