Business and Dealings

Deriving benefit from the bank

Q: One benefit of being a client of a certain bank is that you are able to download an application from the internet called the entertainer. This application is separate from the bank and gives you the ability to purchase items at a discount rate. Being able to download this application is not dependent on any amount that you spend with the bank but is a perk of having a bank account with them.

Note. A person may purchase the application for around R500 per year on their own. If they are clients of the bank they can download the application for free. Please advise if this is permissible to download and use as a client of the bank.

Modifying products and selling them

Q: I am a product designer. I got an offer from a company. The new company buys good from China, modify the logo, colour, etc. and sell it in the European market. Among the things they buy mostly, are speakers, mobile phone accessories, and also musical instruments that include a guitar, or a drumkit.

My job is to suggest a colour and finish to the goods if required. Apart from that, the core business of the company is - it manufactures audio speakers (its own) and also synthesizers, guitar distortion units, and mixers. However I will not have anything to do with the core business department. My department is only concerned with sourcing goods from China, modifying it a little if required and selling it. Kindly give me your opinion if it is halaal or haraam.

Offering free education on condition that the student gives back a fixed percentage after he begins earning

Q: I want to start a school where I also want to educate poor students who cannot afford education. They will be given admission on the basis of a contract saying that in future when they start earning they will give 10% of their earning to me and in the case where they don't earn, they don't have to give anything. Is this permissible?