Ruling on working as a security guard for a building in which there is an insurance company

I work as a security in the city of London.The building that i work it belongs to a landlord, therefore this landlord rents the space of this building to any company that is wishing to rent the place.the landlord as an owner provides a management team for this building to run the building, and this includes electricians, maintenance, security and other people that are needed to run this building. Because of the area located most of the companies that rent the space of this building are insurance companies. is it allowed to work as a security guard for this building considering that the rent is being paid by the insurance companies, and my wages are being provided by this rent which is paid from the insurance companies even though i do not deal directly with the insurance companies?.

Praise be to Allaah.

Working in commercial insurance companies is haraam, even if the work is as a security guard, because that comes under the heading of cooperating in sin and transgression. Allah, may He be exalted, says (interpretation of the meaning):

“Help you one another in Al‑Birr and At‑Taqwa (virtue, righteousness and piety); but do not help one another in sin and transgression. And fear Allaah. Verily, Allaah is Severe in punishment”

[al-Maa’idah 5:2].

See also the answer to question no. 40336

With regard to working as a security guard for a building or marketplace in which there is an insurance company, what appears to be the case is that it is permissible, because the insurance company in this case is only part of the building, and the basic principle is that there may be overlooked with regard to that which is part of something that which may not be overlooked otherwise.

So it does not matter that part of your salary may come from the money that the building owner gets from the insurance company, because your salary is in return for your work, which is permissible, as stated above.

And Allah knows best. Continue reading

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Working in a programming company whose clients include riba-based banks and companies that produce alcohol

I work in an international networking company that has clients in different countries. We operate private network equipment remotely from our own location. The problem is that their clients include companies that produce alcohol and riba-based banks. Is my work haraam? Does it make any difference if I do work with these clients occasionally or regularly? If it is haraam, do I have to avoid dealing with these kinds of clients or stop working in this place altogether?.

Praise be to Allaah.

It is not permissible to offer assistance or services or programming to riba-based banks or companies that produce alcohol, because that is helping in sin and transgression, and Allah says (interpretation of the meaning):

“Help you one another in Al‑Birr and At‑Taqwa (virtue, righteousness and piety); but do not help one another in sin and transgression. And fear Allaah. Verily, Allaah is Severe in punishment”

[al-Maa’idah 5:2].

The one who helps another to do evil or shows him the way to it is a partner in the sin and has failed to do what Allah has enjoined of denouncing and disavowing evil.

Thus you know that it is not permissible to contribute to maintenance or programming that has to do with these haraam companies, whether that is done regularly or rarely. If you know that a client has a company that does haraam things, it is not permissible to you to provide services to him.

There is nothing wrong with you remaining in your job if you can avoid participating in haraam work. But if you can find another job that is free of the things we have mentioned, then that is better.

See also the answer to questions no. 85441 and 102923

And Allah knows best. Continue reading

Mobile phone company offering free minutes for those who access the Internet through them

Some websites offer services such as sending text messages and so on, on condition that one access the Internet through their numbers. In other words, they have specific numbers for accessing the Internet; if you access it through this specific number given by the company, then you can use other services offered by their website. They also offer rewards of free minutes for mobile phone to those who spend a specific number of hours on the Internet through them. Is this haraam or halaal?.

Praise be to Allaah.

There is nothing wrong with accessing the Internet through the numbers given on these websites and making use of their services. And there is nothing wrong with offering and accepting the rewards mentioned, and connecting them to the amount of time spent online. These rewards are regarded as a reduction in the price of accessing the Internet.

But if the rewards are greater than the price of accessing the Internet, and the aim of the one who does that is to get these rewards, that is not permissible because it is a kind of gambling. But if his aim is to access the Internet for a beneficial purpose, and the price of accessing the Internet through this company is no greater than similar services in the market, then there is nothing wrong with him accepting these rewards no matter how great they may be.  Continue reading

Ruling on working as a technician in an airline company that serves alcohol to passengers

I work as a technician in a company that transports passengers by air, and this company serves alcohol to the passengers. Please note that my work is technical, repairing seats and everything that has to do with the airplane. Am I a party to their sin? Is my wealth haraam? Please note that I asked a shaykh in our country and he told me that I am very far away from haraam.

Praise be to Allaah.

There is nothing wrong with working on maintenance of the airplanes that transport passengers, and this work is not rendered haraam by the haraam foods and drinks that may be served on board, because the work itself is permissible, which is transporting passengers from one place to another. And this is something that comes under the heading of necessity for many people.

The airline company and the passengers should also refrain from what Allah has forbidden.

Maintenance only becomes haraam work if it is helping a sinner to commit sin, such as working on maintenance of military aircraft for a state that is at war with the Muslims… and the like.

And Allah knows best. Continue reading

Developing an iPhone program on a personal computer contrary to the agreement with the Apple company

I am a professional software developer and I have decided, if Allah wills, to develop a program on the iPhone which is manufactured by the Apple Company. One of the requirements for developing it is the purchase of the operating system that belongs to the Apple Company and is called Mac or OSM, in order to be able to develop the program through it. There is no other real way except by using the Mac or OSM operating system. This system can be bought from Apple on a CD for the price of thirty dollars, but Apple stipulates in its licence user agreement that this CD and this system must be installed on a computer manufactured by Apple only and according to this agreement the user cannot legally install the system on any computer manufactured by any company other than Apple. I have summarised for you the relevant part of the agreement in order to make this condition clear.
“2. Permitted License Uses and Restrictions.
A. This License allows you to install and use one copy of the Apple Software on a single Apple-labeled computer at a time. This License does not allow the Apple Software to exist on more than one computer at a time, and you may not make the Apple Software available over a network where it could be used by multiple computers at the same time.”
The problem now is that I cannot afford even the cheapest computer manufactured by Apple in order to install the system on it and start to learn how to make programs on it and then develop an application and sell it for the iPhone. I am able, by Allah’s grace, to install the system on my personal computer for the purpose of learning only, until I am able to buy an Apple computer. Is it permissible for me to do that for the purpose of learning only?
Is it permissible for me to install the system on my personal computer and ignore this condition on the basis that the CD is my property in the fullest sense and I have paid its price, so I can dispose of it however I want, as you stated in a fatwa concerning Jailbreak for iPhone, where you stated that its owner had taken possession of it and was within his rights to do whatever he wanted with it?
Please note that I actually intend to buy (the new computer) when I have enough money to do so or when I sell the applications, in sha Allah. May Allah reward you with good.

Praise be to Allaah.

It is permissible for the one who owns the operating system to put it on any computer he wants, and he does not have to adhere to the conditions, because the condition is contrary to the contract of sale and purchase. The valid contract of purchase comprises the transfer of the sold item to the purchaser and the transfer of the price to the seller. Once the purchaser has taken possession of the sold item, it is permissible for him to dispose of it by altering, changing, developing and putting it in any place he wants, because that is a permissible way of disposing of his property.

And Allah knows best. Continue reading

Taking money from the insurance company with the stipulation that more be paid in the event of delay

There is a foreign (European) company that provides credit and real estate investment offers to who requires credit facilities, by issuing bonds within three months of signing the contract with them.   
The conditions of this company includes: fixed interest of 7% to be collected yearly. Also the capital money will be returned to the company after 10 years of selling the bonds and paying the yearly interest of 7%. In return for this, the company finances the projects completely. 
The warranty of paying off and returning the capital money:
· For the credit: warranty of loan or an additional warranty agreed upon between both sides.
· For interests: a contract and the warranty of bonds via an insurance company suggested by the financing company. 
The question: 
Is it permissible to deal with this company? It is not an Islamic company, and people who work in it are not Muslims. 
If it is not permissible, then are we allowed to take a loan from this company to be paid off in installments, then to pay the whole loan off before the time of paying an interest comes? This company does not obligate us to pay interest in case of paying off on time and returning the capital money before the time of the interest comes.

Praise be to Allaah.

It is not permissible to deal with this company or with the interest system or insurance system. The former is because it is an obvious riba-based loan and it is well known that riba is haraam and that there are stern warnings against it. The scholars are unanimously agreed that every loan in which additional payment is stipulated is riba.

It makes no difference if the riba is with a Muslim or a kaafir, and there is no difference between the one who consumes the riba by taking interest or the one who pays it.  Continue reading

Should he sell his house to an Islamic finance company to pay off the remainder of a riba-based loan?

I live in Canada. Five years ago we committed the crime of buying our house through an interest based mortgage from a local bank here. Relying on many fatawa of scholars here (may Allah forgive them!). 
Two years ago Allah guided us to Islam like if we just knew it. Recently, some Islamic (as they claim) financing companies here started to appear. 
The following is an explanation of their way to convert an interest based mortgage to Islamic financing, based on cooperating: the Islamic company deals with a bank that deals with interest to finance their project. This Islamic company says that its relationship with the bank is not a Riba relation, it is a trade relation.
This company values the house in the local market; an appointed person licensed by the government does this valuation matter. 
The monthly amount I have to pay is based on the rest of the loan I took and the profit which is about 4.9%. 
Some of this monthly amount I pay goes as profit, and the rest is to be discounted from the actual price of the house. The Islamic financing company’s share is the difference between the price of the house now and what is remaining to be paid of the interest-based loan. The company evaluates the price of the house every one, two or five years. Their share of profit changes according to the number of years I choose. This means that the nisbah of profit is fixed, but the share of every one of us gets evaluated every few years. 
What remains of the mortgage (their share of the house) is $178.000, their profit in the first five years is 49038.88$, and I own of the house what equals 18408.08$ of the house which cost is $178.000. 
The relationship between the company and the bank is unclear. It depends in its essence on buying money with money; as they did not buy the house formally. All these transactions are only on paper between the company and the bank. The house actually has nothing to do with these transactions except that it is mentioned on papers between the two sides. We are really confused, we hope you enlighten us.

Praise be to Allaah.

We ask Allaah to reward you with good for your keenness to seek what is halaal and to rid yourself of the effects of what you did by taking a loan from the riba-based bank. We will answer your question as follows:

Firstly: consuming riba and helping others with it is haraam and is in fact a major sin. Muslim narrated in his Saheeh that Jaabir (may Allaah be pleased with him) said: The Messenger of Allaah (peace and blessings of Allaah be upon him) cursed the one who consumes riba and the one who pays it, the one who writes it down and the two who witness it, and he said: they are all the same.  Continue reading

What is the ruling if he sells a company which owes money to others?

What is the position on debts which are owed by a company when it is sold?

Praise be to Allaah.

The debts are not included in the sale contract, and they are still owed by the original borrowers. Continue reading

A company is offering a riba-based loan to its employees

A company is offering its employees a benefit . Employees can get a home building loan from any bank . The company will pay all the interest accruing to this loan i.e the employee is not paying the interest.But the employee will have to pay some tax on this interest to the Govt.There is no tax on the principal.I would like to know whether such a loan is halal or haram for the employee?.

Praise be to Allaah.

It is not permissible for the employees to take this loan when they are – in fact – one of the parties to the contract. It is proven in the saheeh Sunnah that the one who consumes riba [usury, interest], the one who pays it, the one who writes it down and the two who witness it are cursed.

It was narrated that Jaabir said: The Messenger of Allaah (peace and blessings of Allaah be upon him) cursed the one who consumes riba, the one who pays it, the one who writes it down and the two who witness it, and he said, “They are all the same.”

Narrated by Muslim, 1598.  Continue reading

What is the ruling on selling his share in a company whose wealth is all debts that are owed by people?

What is the ruling on selling my share in a company that sells goods to people on installments, and all its wealth is debts that are owed by people? If the company owns cars that have not yet been sold, how should he sell his share?

Praise be to Allaah.

With regard to the first question: this is selling money that is not available for money (cash) that is available, but of a lesser amount. This is not permissible.

With regard to the second question: he should sell him his share of the cars and keep for himself his share of the deferred payments. Continue reading