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It refers to the confirmation that SPayLater is Shariah-compliant by Amanie Advisors. It was given after conducting a thorough review of SPayLater’s:

• Features
• Terms and conditions (including the late charge)
• Business model

Customers can use SPayLater with confidence, knowing that they are choosing a Pay Next Month offering that works in accordance with Shariah.

⚠️ Note:

• Users are reminded to use SPayLater Service solely for Shariah-compliant purposes only, including, but not limited to purchasing Shariah-compliant goods and services and any other transactions that may be determined by us from time to time.
• Users are reminded not to use SPayLater Service for any unlawful activities, including, but not limited to, illegal purchases, betting and/or gambling. Users are solely responsible for any Shariah non-compliant use of the SPayLater Service.