Terms of Service

TERMS OF SERVICE

Welcome to the IQRA Network LLC. The following Terms of Service apply when you become a client or an affiliate. Please review the following terms carefully.  By accessing or using our assets or redirect any users to our website, you signify your agreement to these Terms of Service.  If you do not agree to these Terms of Service, you may not participate in our classes, affiliate program or access or use our website and services. In what follows, COMPANY refers to IQRA Network LLC and YOU refers to the client who purchases services from IQRA Network.

PRIVACY POLICY

The Company respects the privacy of website users.  Please refer to the Company’s Privacy Policy (found here) which explains how we collect, use, and disclose information that pertains to your privacy.  When you access or use the website, you signify your agreement to this Privacy Policy.

 

USE RESTRICTIONS

Your permission to use the website is conditioned upon the following Use Restrictions and Conduct Restrictions: You agree that you will not under any circumstances:

  • post any information that is abusive, threatening, obscene, defamatory, libelous, or racially, sexually, religiously, or otherwise objectionable and offensive;
  • use the website for any unlawful purpose or for the promotion of illegal activities;
  • attempt to, or harass, abuse or harm another person or group;
  • interfere or attempt to interfere with the proper functioning of the website;
  • make any automated use of the website, or take any action that we deem to impose or to potentially impose an unreasonable or disproportionately large load on our servers or network infrastructure;
  • bypass any robot exclusion headers or other measures we take to restrict access to the website or use any software, technology, or device to scrape, spider, or crawl the website or harvest or manipulate data; or
  • publish or link to malicious content intended to damage or disrupt another user’s browser or computer.
  • participate or promote on your website any activities that are Islamically objectionable such as gambling, pornography, usury etc.
  • miss any of the agreed lesson fees and payments amounts on the dates outlined in your invoices and 28-day Payment Schedule, plus any Late Fees, if you miss a repayment to us on or before the scheduled date, as set out below in the Payments and Billing section.

 

ONLINE CONTENT DISCLAIMER

Opinions, advice, statements, offers, or other information or content made available through the website should not necessarily be relied upon.  Such authors are solely responsible for such content.  The Company does not guarantee the accuracy, completeness, or usefulness of any information on the website and neither does the Company adopt nor endorse, nor is the Company responsible for, the accuracy or reliability of any opinion, advice, or statement made by parties other than the Company.  The Company takes no responsibility and assumes no liability for any content on the website.  Under no circumstances will the Company be responsible for any loss or damage resulting from anyone’s reliance on information or other content posted on the website, or or transmitted to users.

PAYMENTS AND BILLING

 

 Lessons Confirmation and Payment Schedule

(a) All lessons that are booked with IQRA Network are subject to approval by IQRA Network, in our reasonable discretion. We may choose not to approve a client/student or provide a service to you, or may cancel a lesson before the lesson is taught, if:

(i) we reasonably consider this necessary in order to:

(A) protect the integrity of our systems ;

(B) prevent fraud;

(C) otherwise protect us against legal, regulatory or non-payment risk;

(ii) we reasonably suspect, or are aware, that you have breached this Agreement in a material respect (including by failing to make any payment due under this Agreement on the payment due date);

(iii) we otherwise reasonably consider your request to be suspicious.

(b) If we cancel lessons:

(i) we will apply a full refund of any amounts you have paid to us to your Nominated Payment Source or (if that is not possible) to any other Card that you have provided us details of. In the event the approved lessons are cancelled because a chargeback has been incurred by IQRA Network in relation to a payment for the approved lessons, that payment will not be refunded by IQRA Network. Any return of funds in that event will be as between you and your issuing bank.

(ii) you will have no obligation to make any further payments to us, or any other ongoing relationship with us, with respect to the cancelled lessons

(c) Once we approve your lessons and confirm the schedule, you will receive an email from us with confirmation and a Payment Schedule with invoices issued every 28 days.

(d) You agree to ensure that payment(s) are made in accordance with the Payment Schedule. You may make early payments through your our approved payment gateways including WePay, Stripe, Freshbooks, Paypal, Direct Bank Deposit on time according to the due date on the invoice, otherwise IQRA Network will automatically process payments in accordance with the due dates stated on the Payment Schedule. You authorize IQRA Network to process such payments using the Payment Method details provided by you. If an Automatic Payment fails on any of the dates specified in your Payment Schedule, IQRA Network reserves the right to re-attempt to process the payment at a later time or date.

Automatic Payments and your Continuous Payment Authority


(a)
 An ‘Automatic Payment’ is a payment, through the Payment Method you have chosen, that we will automatically charge directly to your nominated Card (‘Nominated Payment Source’) on a one-time or regular basis in agreed upon amounts as outlined in your Payment Schedule under a continuous payment authority or “CPA”. You will have the option to select a preferred Payment Method and Nominated Payment Source when your IQRA Network Account is being created. You can update or change your preferred Nominated Payment Source or Payment Method at any time via your Freshbooks/Paypal account or by emailing billing@iqranetwork.com.


(b)
 Subject to the other terms of this Agreement, you hereby expressly authorize IQRA Network to deduct Automatic Payment amounts from your Nominated Payment Source and any other Payment Method listed on your IQRA Network/Freshbooks/Paypal Account for the amounts and on those scheduled dates set out in your Payment Schedule using the CPA. You acknowledge that you are giving us the ability to collect or reverse variable payment amounts from or to your Nominated Payment Source, in accordance with your Payment Schedule and the terms of this Agreement.

(c) You can cancel a CPA at any time by contacting your bank directly in which case we’ll no longer be entitled to take payment under the CPA. If you do cancel a CPA, you’ll still owe us the remaining balance of your payments and you’ll need to make your repayments by an alternative method.

(d) You are responsible for ensuring that you have sufficient funds in your Nominated Payment Source available to make Automatic Payments on the dates specified in your Payment Schedule. You are liable for any fees or charges imposed by your Nominated Payment Source, except to the extent that such fees or charges arise as a result of our error or system failure.  If any fees or charges are imposed as a result of our error or system failure, please provide us with a copy of the relevant records, and we will reimburse you for the relevant fees or charges.

(e) If an Automatic Payment fails (for example, if your Nominated Payment Source is a credit or debit card which has expired), we may take payment from another Payment Method listed on your IQRA Network/Paypal/Freshbooks Account and we may make up to multiple attempts on each such Payment Method.  If our attempts to take payment fail, Late Fees may apply unless you otherwise make the scheduled payment on or before the relevant due date. You authorize us to make payment of any amount that you owe us by:

(i) Debiting your Nominated Payment Source at a later time or date;

(ii) Debiting any other Card which you have provided details of;

(iii) Offsetting the payment amount against any amounts we may owe to you; or

(iv) Any other legal means.

 

Late Payments

(a) If you fail to pay any amounts according to the Payment Schedule, Late Fees will apply on each payment that is due but not received. For the avoidance of doubt, Late Fees will not be applied until the day immediately following the day that the payment is due. Our support team will attempt at least 3 attempts to reach you before assessing late fees.

(b) We may, at our sole discretion, reasonably delay the application of, or waive wholly or partly, any Late Fee.  If Late Fees are or may be incurred as a result of IQRA Network’s error, please let us know, and we will waive or refund any such fees.
(c) We will contact you as soon as we can to let you know you have missed a payment, and to discuss how the payment can be made. We’ll follow a collections process under which we’ll do our best to work with you to bring the agreement up to date. However, please note the consequences of non-payment set out in paragraph (d) below.

(d) If you fail to make a payment, we reserve the right to add details of that failure to pay to your credit record with the credit reference agencies. Missing payments may affect your credit rating and also make it more difficult to obtain credit in the future. You should not proceed with your booking if you believe you cannot afford the payments now or will not be able to in the future.

(e) Any payment received will be applied to the oldest outstanding payment e.g. if your second and third payments are outstanding and you make a payment to us, it will be applied to the second repayment in full.  Any money remaining once the second payment has been settled in full will be applied to your third repayment.

Cross Border Transactions

Where you use our service to make a Cross Border Transaction, we will bill you in USD and your local bank will be responsible for converting charges to your local currency. The exchange rate used will change regularly to reflect the currency fluctuations in the foreign exchange market.

No set up fees or foreign exchange commission will be applied to the exchange rate applied to perform the conversion.

Interest 

No interest charges are payable by you for the use of our services.

Class Cancellation/Refunds

(a) It is your responsibility to notify IQRA Network if you intend to cancel classes. All requests MUST be emailed to support@iqranetwork.com at least 8 hours before the lesson/s begin. Depending on the package that you selected and who initiates the cancellation, you may be eligible for credits on your next invoice. The policy is flexible enough for most students without compromising the schedule of our teachers. When teachers experience excessive cancellations or late cancellations, their schedules remain occupied and the network is unable to allocate new students for them to compensate for the cancellations. The refund policy provides enough flexibility to our students without compromising teachers’ schedules as follows:

Eligibility is determined as follows:

1- If a teacher cancels a lesson. You are always eligible to receive full credit for all plans.

2- If a student cancels a lesson 8 hours or more before the lesson start time. Students registered to our premium and premium plus plans are eligible for credit of up to 25% and 35% of their total registered monthly hours respectively. For example, if a student is registered for 8 hours per month  under a premium plan and cancels 3 hours, the student will receive credit for 2 hrs (25% of the 8) and no credit for the 3rd hour as it exceeded the 25% rule.

3- Basic plan members will receive no credit but are able to reschedule their lessons provided that they submit a request 8 hours prior to the lesson start time.

If you are unable to make payments due to financial hardship, please contact billing@iqranetwork.com or call us at 1-855-477-2100. IQRA maintains a fund for sponsoring students who are going through financial hardship and depending on your circumstances, funds can be allocated towards your fees.

(b) Unless we are notified by  you that a lesson need to be cancelled, we will continue to process any Automatic Payments in accordance with the dates set out in your Payment Schedule.

(c) Until such time when you cancel lessons, you will remain liable to us for the full payment of service, in accordance with your Payment Schedule.

 

LINKS TO OTHER SITES AND/OR MATERIALS

On the website, the Company may provide you with convenient links to third party website(s) (“Third Party Sites”) as well as content or items belonging to or originating from third parties (the “Third Party Applications, Software or Content”).  These links are provided as a courtesy to website users.  The Company has no control over Third Party Sites and Third Party Applications, Software or Content or the promotions, materials, information, goods or services available on these Third Party Sites or Third Party Applications, Software or Content.  Such Third Party Sites and Third Party Applications, Software or Content are not investigated, monitored or checked for accuracy, appropriateness, or completeness by the Company, and the Company is not responsible for any Third Party Sites accessed through the website or any Third Party Applications, Software or Content posted on, available through or installed from the Site, including the content, accuracy, offensiveness, opinions, reliability, privacy practices or other policies of or contained in the Third Party Sites or the Third Party Applications, Software or Content.  Inclusion of, linking to or permitting the use or installation of any Third Party Site or any Third Party Applications, Software or Content does not imply approval or endorsement thereof by the Company.  If you decide to leave the website and access the Third Party Sites or to use or install any Third Party Applications, Software or Content, you do so at your own risk and you should be aware that our terms and policies no longer govern.  You should review the applicable terms and policies, including privacy and data gathering practices, of any site to which you navigate from the website or relating to any applications you use or install from the site.

INTELLECTUAL PROPERTY

You acknowledge and agree that we and our licensors retain ownership of all intellectual property rights of any kind related to the website, including applicable copyrights, trademarks and other proprietary rights.  Other product and company names that are mentioned on the website may be trademarks of their respective owners. We reserve all rights that are not expressly granted to you under this Agreement.

WARRANTY DISCLAIMER

THE WEBSITE, IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND. WITHOUT LIMITING THE FOREGOING, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY, REGARDING THE WEBSITE INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY, ACCURACY AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, THE COMPANY MAKES NO WARRANTY OR REPRESENTATION THAT ACCESS TO OR OPERATION OF THE WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE. YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR DOWNLOADING AND/OR USE OF FILES, INFORMATION, CONTENT OR OTHER MATERIAL OBTAINED FROM THE WEBSITE. SOME JURISDICTIONS LIMIT OR DO NOT PERMIT DISCLAIMERS OF WARRANTY, SO THIS PROVISION MAY NOT APPLY TO YOU.

LIMITATION OF DAMAGES; RELEASE

TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, DIRECTORS, OR EMPLOYEES, OR ITS LICENSORS OR PARTNERS, BE LIABLE TO YOU FOR ANY LOSS OF PROFITS, USE,  OR DATA, OR FOR ANY INCIDENTAL, INDIRECT, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, HOWEVER ARISING, THAT RESULT FROM (A) YOUR USE OR INABILITY TO USE THE WEBSITE; (C) THE WEBSITE GENERALLY OR THE SOFTWARE OR SYSTEMS THAT MAKE THE WEBSITE AVAILABLE; OR (D) ANY OTHER INTERACTIONS WITH THE COMPANY, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.  SOME JURISDICTIONS LIMIT OR DO NOT PERMIT DISCLAIMERS OF LIABILITY, SO THIS PROVISION MAY NOT APPLY TO YOU.

MODIFICATION OF TERMS OF SERVICE

We can amend these Terms of Service at any time and will update these Terms of Service in the event of any such amendments.  It is your sole responsibility to check the website from time to time to view any such changes in the Agreement.  If you continue to use the website, you signify your agreement to our revisions to these Terms of Service.  However, we will notify you of material chances to the terms by posting a notice on our homepage. Any changes to these Terms (other than as set forth in this paragraph) or waiver of the Company’s rights hereunder shall not be valid or effective except in a written agreement bearing the physical signature of an officer of the Company.  No purported waiver or modification of this Agreement by the Company via telephonic or email communications shall be valid.

GENERAL TERMS

If any part of this Agreement is held invalid or unenforceable, that portion of the Agreement will be construed consistent with applicable law.  The remaining portions will remain in full force and effect. Any failure on the part of the Company to enforce any provision of this Agreement will not be considered a waiver of our right to enforce such provision.  Our rights under this Agreement will survive any termination of this Agreement.

You agree that any cause of action related to or arising out of your relationship with the Company must commence within ONE year after the cause of action accrues.  Otherwise, such cause of action is permanently barred.

These Terms of Service and your use of the website are governed by the federal laws of the United States of America and the laws of the State of Massachusetts, without regard to conflict of law provisions.

The Company may assign or delegate these Terms of Service and/or the Company’s Privacy Policy, in whole or in part, to any person or entity at any time with or without your consent. You may not assign or delegate any rights or obligations under the Terms of Service or Privacy Policy without the Company’s prior written consent, and any unauthorized assignment and delegation by you is void.

YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THE TERMS OF SERVICE, AND WILL BE BOUND BY THESE TERMS AND CONDITIONS. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS OF SERVICE TOGETHER WITH THE PRIVACY POLICY AT https://iqranetwork.com/privacy-policy/ REPRESENT THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US AND THAT IT SUPERSEDES ANY PROPOSAL OR PRIOR AGREEMENT ORAL OR WRITTEN, AND ANY OTHER COMMUNICATIONS BETWEEN US RELATING TO THE SUBJECT MATTER OF THIS AGREEMENT.