Legal
This version is retired; it was replaced on 2026-10-20 by the current Terms. Effective date: 2026-10-19. Last updated: 2026-10-19 (version 2). The version in force before this one is kept at /legal/terms-v1.
These Terms govern your use of qardon.com and the public-facing materials we publish on it. By accessing the site you agree to these Terms. If you do not agree, do not use the site. Use of any commercial services provided by Qardon.com is governed by a separate written agreement.
Qardon.com is a technology of Fotoh, Inc. ("Fotoh," "we," "us"), a California for-profit stock corporation. Fotoh, Inc. builds and operates the software platform that powers community-anchored interest-free lending. qardon.org is another technology of the same company — the one that records waqf, which it does not hold and does not own — not a separate entity. Neither Fotoh, Inc. nor Qardon is a nonprofit, a charity or a 501(c)(3), and neither will seek that status. This site is not the consumer-facing or borrower-facing surface; to lend, apply for a loan, or file a Recovery claim, visit qardon.org.
Use of this site does not create a giving, lending, or borrowing relationship with Qardon.com. We do not solicit contributions or accept loan applications on this site. Any solicitation that purports to do so is not authorized by Qardon.com.
For sellers. qardon.com is a technology platform. The seller is the seller and the creditor: he sells, writes his contract with our system, and executes the sale. His customers’ payments are collected into his own payment account, opened in his own name, and never into a Fotoh account. Fotoh charges him only for using the platform. Each seller is responsible for his own licences and legal duties. Fotoh does not count or report his sales for any government purpose. The full seller terms are at /legal/seller-terms.
For buyers. The seller is the party you buy from and the one you pay; your payments go to the seller’s own account. There is one price, whether you pay now or monthly. Nothing is added for paying over time, and there are no late charges, ever.
All site content — text, graphics, logos, code, layout — is owned by Fotoh, Inc. or its licensors and is protected by intellectual-property laws. You may not reproduce, distribute, or create derivative works without our prior written consent, except as permitted by fair use or open-source licenses on specifically-marked repositories.
Information you submit via forms is processed per our Privacy Policy. You represent that all submitted information is accurate, that you have authority to submit it, and that the submission is not on behalf of a sanctioned party.
The site links to other Fotoh, Inc. surfaces (qardon.org, fotohinc.com, liveathan.com) and to third-party sites. We are not responsible for the content, privacy practices, or terms of third-party sites.
The site and its content are provided "as is" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or secure.
The site does not constitute legal, financial, tax, or regulatory advice. Consult qualified advisors for advice specific to your situation.
To the maximum extent permitted by law, Fotoh, Inc. and its affiliates, officers, employees, and agents are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the site. Our aggregate liability for any claim related to the site is limited to one hundred U.S. dollars (US$100).
You agree to indemnify and hold Fotoh, Inc. harmless from claims, damages, and expenses (including reasonable attorneys' fees) arising from your breach of these Terms or misuse of the site.
These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-laws principles. Exclusive jurisdiction and venue are in the state and federal courts located in Wilmington, Delaware, except where applicable consumer-protection law requires otherwise.
We may modify these Terms. Changes take effect when posted with a revised effective date. Continued use of the site after changes constitutes acceptance.
If any provision is unenforceable, the remainder remains in effect. These Terms and our Privacy Policy are the entire agreement between you and Qardon.com regarding the public site.
Questions about these Terms: legal@qardon.com
© 2026 Fotoh, Inc. All rights reserved.