Terms of Use

Mana ("we", "us", "our") is an educational platform providing general information about halal (Sharia-compliant) investing in the United Kingdom. The platform is operated by Mana Credit.

By accessing or using Mana at any URL including manacredit.co.uk and its subdomains, you agree to these Terms of Use.

Mana is not regulated by the Financial Conduct Authority (FCA) under the Financial Services and Markets Act 2000. Nothing on this platform constitutes regulated financial advice, investment advice, or a personal recommendation.

All content, calculators, ETF illustrations, quiz results, and goal projections are provided for general educational purposes only. They do not take into account your personal financial circumstances, tax position, investment objectives, or risk tolerance.

Before making any investment decision, you should consult a suitably qualified and FCA-regulated financial adviser.

This platform is intended for users aged 18 and over who are resident in the United Kingdom. If you are outside the UK, content on this platform may not be applicable to your jurisdiction, and you use it at your own risk.

We make reasonable efforts to ensure that information on Mana is accurate and up to date. However, we cannot guarantee the accuracy, completeness, or timeliness of any content, including ETF performance data, platform fee comparisons, Nisab values, Zakat calculations, or Shariah compliance assessments.

ETF performance figures shown are historical. Past performance is not a reliable indicator of future results. The value of investments can go down as well as up, and you may get back less than you invest.

Halal screening information is provided for general guidance only. Shariah compliance is a scholarly matter and may vary between scholars and Islamic finance bodies. You should seek a qualified Islamic finance scholar or Shariah board for a definitive ruling.

Some links on Mana, including links to investment platforms such as Trading 212 and InvestEngine, are affiliate or referral links. We may receive a commission if you open an account via one of these links. This does not increase your cost in any way.

The inclusion of a platform in our recommendations is based on our editorial assessment and is not purely driven by commercial arrangements.

Mana links to third-party investment platforms, financial service providers, and information sources. We are not responsible for the content, accuracy, privacy practices, or terms of any third-party website. Any investments you make through third-party platforms are subject to their own terms and conditions.

Mana uses AI to provide chat-based guidance. AI-generated responses are for general information only and should not be relied upon as financial, legal, or tax advice. AI can make mistakes. Always verify important information independently.

If you ask the Mana AI for specific investment recommendations on more than three occasions in a session, we will remind you to seek independent regulated advice.

All content on Mana, including text, illustrations, calculations, and design, is owned by Mana Credit or its licensors. You may not reproduce, distribute, or create derivative works without our written permission.

To the fullest extent permitted by law, Mana Credit shall not be liable for any loss or damage (including investment losses, loss of profit, or indirect or consequential loss) arising from your use of this platform or reliance on information contained herein.

We may update these Terms of Use from time to time. The date at the top of this page will reflect the most recent update. Continued use of the platform after changes are posted constitutes acceptance of the updated terms.

These terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.