Terms and Conditions

These terms govern every donation made to The Qamar Trust through our website, donation pages, and payment links.

1. About us

The Qamar Trust ("the Trust", "we", "us", "our") is a charity registered with the Charity Commission for England and Wales under charity number 1191577, entered on the Register of Charities on 1 October 2020.

Our charitable objectives are to advance Islamic charitable activities, provide relief where there is hunger, deprivation and the greatest need, advance health through access to clean water and hygiene, assist people with disabilities, and relieve poverty.

2. Definitions and acceptance

• Donor / you: any individual or organisation making a donation to the Trust.
• Donation: any one-off or regular payment made to the Trust without receiving goods or services in return.
• Regular donation: a recurring card payment authorised by you at a set amount and frequency.
• Appeal: a specific campaign or project for which we raise funds (for example, water wells or emergency relief).

By making a donation you confirm that you have read and accepted these terms, that you are at least 18 years old, and that you are authorised to use the payment card or account used. If you do not accept these terms, please do not donate.

3. Making a donation

1. Donations can be made as a one-off payment or as a regular (monthly) donation through our website or secure payment links.
2. You may choose a donation type, including General (Sadaqah),Zakat, Lillah, or a named Appeal. If no type is selected, the donation is treated as a general unrestricted donation.
3. Zakat: donations marked as Zakat are held separately and distributed only to eligible recipients in accordance with Islamic principles. We do not use Zakat for administration costs.
4. You will receive a confirmation email or on-screen receipt showing the amount, date, donation type, and a transaction reference. Please keep it for your records.
5. Donations are voluntary gifts. You do not receive goods, services, or any other benefit in return.
6. Single donations above £5,000, or cumulative donations above £25,000 in 12 months, may require additional identity and source-of-funds checks before they are accepted (see section 10).

4. Payment processing, currency and security

1. All donations are taken in Pounds Sterling (GBP). If your card is in another currency, your card issuer may apply exchange rates or fees. We are not responsible for those charges.
2. Your donation will appear on your statement as The Qamar Trust.
3. Payments may be subject to 3D Secure / Strong Customer Authentication. We may decline or cancel any payment that fails authentication or fraud checks.

5. Use of donations

1. Unrestricted donations are used where the need is greatest, at the trustees' discretion, within our charitable objects.
2. Donations to a named Appeal are treated as restricted funds and used for that purpose, in line with the Charities SORP (FRS 102).
3. If an Appeal is fully funded, cannot proceed, or can no longer be delivered (for example, due to conflict, access restrictions, or sanctions),we will use the funds for the closest similar project. Zakat will only ever be reallocated to other Zakat-eligible causes.
4. Our audited annual accounts are filed with the Charity Commission and available online.

6. Donation refund policy

We will refund any donation made in error, or that you have changed your mind about, if you contact us within 30 days of the payment date.

1. How to request: email info@theqamartrust.org or call +44 7492 776093 with your full name, the donation date and amount, the last four digits of the card used, and the transaction reference.
2. Timescale: we will acknowledge your request within 2 working days and process approved refunds within 10 working days. Funds normally reach your account within 5–10 working days after that, depending on your card issuer.
3. Method: refunds are only made to the original card or account used. We never refund to a different card, account, or third party, or in cash.
4. Errors: duplicate payments, incorrect amounts, and unauthorised transactions are refunded in full at any time once verified.
5. After 30 days: refunds may not be possible once funds have been sent to projects. Each request is considered case by case.
6. Gift Aid: if a refunded donation has had Gift Aid claimed, we will reverse the claim with HMRC.
7. Fraud checks: we may ask for evidence of identity before refunding, and may refuse refunds that we reasonably suspect are linked to fraud or money laundering (see section 10).
8. Fees: we do not charge for refunds and refund the full donated amount.

7. Regular donations: amending and cancelling

1. By setting up a regular donation, you authorise us to take the agreed amount on the agreed date each month using a continuous payment authority until you cancel.
2. We will email you confirmation when the regular donation is set up, and at least 7 days before any change to the amount or date.
3. You can change or cancel at any time, free of charge, by emailing or calling us at least 3 working days before the next payment date. You can also cancel directly with your card issuer.
4. A payment taken after you asked us to cancel will be refunded in full.
5. If a payment fails, we may retry it once. After 2 consecutive failures, the regular donation will be cancelled and we will notify you.

8. Chargebacks and disputed payments

1. If you do not recognise a payment, please contact us first. We will investigate and, where appropriate, refund you faster than a card dispute would.
2. If you raise a chargeback with your card issuer, we will provide our PSP with the transaction record, your donation confirmation, and any correspondence as evidence.
3. We may suspend regular donations from any card subject to an open dispute until it is resolved.
4. Repeated or bad-faith chargebacks may result in us declining future donations from the same donor or card.

9. Gift Aid

1. If you are a UK taxpayer, you may make a Gift Aid declaration, allowing us to claim an extra 25p from HMRC for every £1 you donate.
2. By ticking the Gift Aid box, you confirm that you have paid enough UK Income Tax or Capital Gains Tax in the current tax year to cover all Gift Aid claimed on your donations to all charities. If you pay less, it is your responsibility to pay any difference.
3. Gift Aid cannot be claimed on donations made on behalf of others, from company accounts, or where you receive a benefit in return.
4. Please tell us if you change your name or address, or no longer pay sufficient tax. You can cancel your declaration at any time.

10. Anti-money laundering, counter-terrorist financing and sanctions

The Trust complies with the Proceeds of Crime Act 2002, the Terrorism Act 2000, the Money Laundering Regulations 2017, the Sanctions and Anti-Money Laundering Act 2018, and Charity Commission guidance.

1. Right to refuse: we may refuse, return, or freeze any donation that we reasonably believe is linked to crime, money laundering, terrorist financing, sanctions evasion, or reputational harm to the Trust.
2. Donor checks: we may ask for proof of identity, address, and source of funds for large, unusual, or anonymous donations, and screen donors against the UK (OFSI),UN, EU, and US (OFAC) sanctions lists.
3. No conditions from donors: we do not accept donations conditional on funds reaching a named individual or organisation outside our due-diligence process.
4. Cash and third-party payments: we do not accept online donations made on behalf of an unidentified third party, or split payments designed to avoid checks.
5. Refunds of suspicious donations: suspicious donations are not refunded until cleared, and are refunded only to the original source.
6. Reporting: we will report suspicious activity to the National Crime Agency and serious incidents to the Charity Commission, as required by law. We will not inform a donor that a report has been made.
7. Sanctioned entities: we do not send funds to any person, entity, or territory subject to sanctions unless lawfully permitted under an applicable licence or exemption.

11. Data protection and privacy

1. The Trust is the data controller for your personal data and processes it in line with the UK GDPR and the Data Protection Act 2018.
2. We collect your name, contact details, address, donation history, and Gift Aid status to process donations, issue receipts, claim Gift Aid, meet legal and regulatory duties (including AML checks),and, with your consent, send updates.
3. We never sell or rent your data, and we are compliant with GDPR and relevant data protection laws in the United Kingdom.
4. We keep donation and Gift Aid records for at least 6 years after the end of the financial year they relate to, as required by HMRC and charity law.
5. You have the right to access, correct, or delete your data, restrict or object to its use, and withdraw marketing consent at any time by contacting info@theqamartrust.org. You may complain to the Information Commissioner's Office (ico.org.uk).

12. Complaints

1. Please send any complaint to info@theqamartrust.org or in writing to the Chairperson at our principal address.
2. We will acknowledge it within 5 working days and give a full response within 20 working days.
3. If you remain unhappy, you may contact the Fundraising Regulator (fundraisingregulator.org.uk) about fundraising matters, or the Charity Commission UK (gov.uk/charity-commission).

13. General

1. Liability: we are not liable for losses caused by events outside our reasonable control, including payment system outages, card issuer decisions, or delays caused by conflict, natural disasters, or government action. Nothing in these terms limits liability that cannot be limited by law.
2. Website use: all content, logos, and images on our website belong to the Trust or are used under licence and may not be copied without permission.
3. Changes: we may update these terms from time to time. The version in force when you donate applies to that donation. Material changes affecting regular donors will be notified by email.
4. Severability: if any part of these terms is found invalid, the rest remains in force.
5. Governing law: these terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction.
6. Contact: The Qamar Trust, 75 Auburn Street, Bolton, BL3 6UE, United Kingdom. Email: info@theqamartrust.org. Phone: +44 7492 776093.