Trade

Q: The other day, I ordered a pizza online, and paid with my mother's visa debit card. My mother allowed me to use it. I didn't have enough money in my own visa debt card to pay for it online, so I asked her for hers, but gave her the money back in cash on the same day. The day after I was on the pizza company's website, and I learnt that when one orders online, they have to have the owner of the payment card present when the pizza is delivered. They then must show their own payment card as proof as the below term states (taken from their website): "The owner of the card used for payment must present this card on receiving the order. Card payments are secure". I didn't know I had to do this until it was too late, and the transaction was complete. When the pizza arrived, all the delivery driver said was "you ordered online" for which I replied, "yes".  I thanked him, and that was that.  He didn't ask me for proof of payment. So I paid for the pizza, and it came to the right address, and I confirmed that I ordered online when I was asked by the driver. The only thing I didn't know, was that one must show payment card upon delivery of the item. Our beloved Prophet (Sallallahu Alayhi Wasallam) taught us to honour conditions, so that is why I am concerned here. In this situation, what is required of me? Was this transaction still valid?

Q: A approached B to finance the purchase of a house which he did not see for 1.25 million rands and A agreed to buy the house from him at a higher price. He also borrowed 150 000 for transfer costs and renovations and this amount was included in the repayment of the house. The repayment price was worked out according to bank interest rates of 12% per annum with a total amount agreed upon. It was also agreed that should the payment be made before the 7 year agreed period then the total repayment will be less than the agreed amount, it will work out pro rata.

1.What is the shar'i status of this transaction.

2.What should be done to correct it.

3. Payment have already been received for 1 and half years, how should that be rectified.

Q: I have formed a company of programmers and developers to develop mobile games and applications. There are three sources of revenue:

1. Sell the game.

2. Make it free and gain revenue from advertisements in the applications and games.

3. Keep it partly free and partly under sale (in app purchases).

I have ensured that my apps and games will not contain anything vulgar or shameless. However, they will contain music. Is this permissible?

Q: I would like to know what is the ruling on extended warranty. My brother bought a fridge and he paid extra to get the warranty for 2-3 years more than what they give it for.

Q: I want to start a website where people can download books for free. Normally, we download books from other websites and upload on our website. People come and download the books. My questions are:

1. Is it permissible to make books available for free download without the permission of the authors?

2. Downloading books from others and making soft copies of your own seems wrong. Is it a sin?

3. Is the money made from such a business haraam?

Q: I m Planning to Do a Mineral Water Distributor/Dealer Business. Is it permissible to do this business because it includes selling of Bottles to customers?

Q: I am aware that in Shari’ah, it is not permissible to charge anything for goodwill. However, I was told that if you attribute the same excess to the ‘shop fittings’ figure for example, it will now become permissible. Is this true? How can it be permissible when the purchaser, seller and the receiver are fully aware that this inflated figure is not a true reflection of the shop fittings figure?

Q: I have old 50 cent and R1 coins which I collected over the years. Is it permissible to sell these coins for a price more than the face value? It has become a collector’s item and has more value in the collectors’ market.

Q: Person B sees advert of person A, and a successful transaction takes place. Upon person B receiving the goods, he notices that the contents do not match what was advertised. After querying from person A and requesting a refund, person A claims to have been scammed by person A's supplier (who has since disappeared) and refuses to refund person B. Who is responsible and who should suffer a loss? Keeping in mind that person A had failed to check the contents after receiving it from his supplier.

Q: I intend to purchase a car that has a warranty. The dealer offered to extend the warranty by 5 years for an additional amount of R3000. The warranty covers towing and fixing if the car breaks down and replacement of parts. I notice that the policy is with an insurance company. Is this acceptable?