Proactive Client Disclosure & Informed Consent

This criterion assesses the organization's commitment to proactive, clear, and comprehensive communication with clients, ensuring they are fully informed and empowered to make sound decisions. It evaluates the extent to which the organization goes beyond minimum legal requirements to provide easily understandable information about services, fees, risks, and potential conflicts of interest. The aim is to ensure clients have genuine informed consent (Rida), enabling them to participate in financial/professional relationships based on trust, transparency, and a clear understanding of their rights and obligations. This encompasses the entire client lifecycle, from initial engagement to ongoing service delivery, with a particular focus on vulnerable clients or complex services. The organization should actively seek to bridge any information asymmetry and empower clients through education and open dialogue, fostering a relationship built on mutual respect and fairness. Communications must avoid concealing the truth (Qur'an 2:42), embody truthfulness (Sidq), and prevent harm (La darar wa la dirar) by pausing transactions if comprehension is lacking.