Terms of Use

By accessing or using this website (the "Site"), you agree to be bound by these Terms of Use ("Terms") and all applicable laws and regulations. If you do not agree with any of these Terms, you are prohibited from using or accessing this Site.

These Terms apply to all visitors, users, and others who access or use the Site. The Imtiaz Development and Investment Bank of Afghanistan (IDIB) reserves the right to modify these Terms at any time. Continued use of the Site following the posting of changes constitutes your acceptance of such changes.

The content on this Site is provided for general informational purposes only and is intended to give you an overview of IDIB, its structure, services, and strategic direction. You may access and browse the Site for lawful purposes only.

You agree not to: use the Site in any manner that could disable, overburden, or impair the Site or its servers; attempt to gain unauthorised access to any portion of the Site; use any automated means to access the Site; transmit any unlawful, harmful, or otherwise objectionable material; or use the Site in violation of applicable Afghan or international laws.

Nothing on this Site constitutes, or should be construed as, investment, legal, tax, financial, or Shariah advice. The information provided is for informational purposes only and does not constitute an offer, solicitation, or recommendation to buy or sell any financial product, security, or instrument.

IDIB is a regulated institution under Da Afghanistan Bank (DAB). Any financial engagement with IDIB must be undertaken through formal, regulated channels and subject to applicable know-your-customer (KYC) and anti-money laundering (AML) requirements. Past performance data or project descriptions presented on this Site do not constitute a guarantee of future results.

All products and services offered by IDIB are structured in accordance with Islamic finance principles and are subject to review and certification by IDIB's independent Shariah Supervisory Board.

All content on this Site — including but not limited to text, graphics, logos, icons, images, audio clips, and software — is the property of IDIB or its content suppliers and is protected under applicable copyright, trademark, and intellectual property laws.

You may not reproduce, distribute, modify, transmit, reuse, republish, or use the content of this Site for public or commercial purposes without prior written permission from IDIB. You may print or download content from this Site for your personal, non-commercial use only.

The IDIB name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of IDIB or its affiliates. You must not use such marks without prior written permission.

This Site may contain links to third-party websites or resources. IDIB provides these links for convenience only and does not endorse, and is not responsible for, the content, privacy policies, or practices of any linked sites. You access third-party sites entirely at your own risk.

IDIB has no control over the contents of those websites or resources, and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

This Site is provided on an "as is" and "as available" basis without any warranty of any kind, express or implied. IDIB does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

To the fullest extent permitted by applicable law, IDIB and its officers, directors, employees, and agents expressly disclaim all liability for any loss or damage — direct, indirect, incidental, special, consequential, or punitive — arising out of your access to or use of (or inability to access or use) the Site or any content thereon.

IDIB makes reasonable efforts to ensure that the information on this Site is accurate and up to date. However, IDIB makes no representations or warranties as to the accuracy, completeness, or currency of such information and reserves the right to make changes at any time without notice.

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy sets out how IDIB collects, uses, and protects information you provide when you use this Site.

By using this Site you consent to the processing described in the Privacy Policy and warrant that all data provided by you is accurate.

IDIB operates exclusively in accordance with Islamic finance principles as certified by its independent Shariah Supervisory Board and in conformity with AAOIFI and IFSB standards. All financial products and instruments described on this Site are subject to ongoing Shariah review.

Nothing on this Site should be interpreted as a Shariah ruling (fatwa). For specific Shariah enquiries regarding IDIB's products and structures, please contact shariah@idib.af.

These Terms are governed by and construed in accordance with the laws of the Islamic Emirate of Afghanistan. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts of Afghanistan.

IDIB is regulated by Da Afghanistan Bank (DAB) and operates in compliance with all applicable Afghan banking laws, regulations, and directives. Where applicable, IDIB also adheres to international standards set by the Financial Action Task Force (FATF) and Islamic financial regulatory bodies.

IDIB reserves the right to revise these Terms at any time by updating this page. You are expected to review this page periodically to ensure you are familiar with the current version. The date of the most recent revision will appear at the top of this page.

Your continued use of the Site after any changes to these Terms constitutes acceptance of the revised Terms. If you do not agree with any changes, you should discontinue your use of the Site immediately.

If you have any questions about these Terms, wish to report a concern, or require clarification on any matter relating to your use of this Site, please contact us: