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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:

1. Features
2. Terms and conditions (including the late charge)
3. 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:

1. 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.
2. 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.