Terms & Conditions

Luton Muslim Burial Association (LMBA)

Last updated: Sept 2026

Please read these Terms and Conditions carefully. They govern your use of this website (lutonmuslimburial.com) and set out the basis on which the Luton Muslim Burial Association ("LMBA", "the Association", "we", "us") operates. By using this website, applying for membership, or making a contribution, you confirm that you have read, understood, and accepted these Terms.

1. About LMBA

1.1. LMBA is an unincorporated community association based in Luton, governed by its Constitution. The Association exists to enable Muslims in our community to support one another — through mutual cooperation (ta'awun, Qur'an 5:2) — in meeting funeral and burial needs.

1.2. These Terms should be read together with the LMBA Association Constitution, the Constitution of the LMBA Community Burial Waqf Fund and applicable membership policies. The Association Constitution governs LMBA's organisational affairs and membership governance, while the Waqf Constitution governs the Islamic characterisation, stewardship and use of the Waqf Fund. In the event of any inconsistency between these Terms and the Constitution, the Constitution prevails.

1.3. LMBA is a voluntary, unincorporated, not-for-profit community association. It does not provide insurance or regulated funeral plans. It is a community mutual support scheme operating on a voluntary, non-commercial basis.

2. Nature of contributions

2.1. Member joining and monthly contributions are made as Tabarruʿ — voluntary and irrevocable contributions to the LMBA Community Burial Waqf Fund. On receipt, those contributions leave the contributor's ownership and are held by the Fund for its permitted purposes.

2.2. Contributions are not premiums, fees for service, savings, or investments. Once given, a contribution belongs to the community fund and is not refundable in any circumstances, including on resignation, removal, or death of a member, unless an error has occurred.

2.3. No entitlement: making contributions does not create any personal, contractual, or legal entitlement — for the contributor, their family, or their estate — to any payment, benefit, or service from LMBA. This principle is deliberate and central to the Association's Islamic and legal framework.

3. Support provided by LMBA

3.1. All support provided by LMBA — financial or practical — is discretionary. Decisions on whether a burial-support Grant is made, and the amount of any Grant, are made by the Management Committee acting in its separate capacity as the Waqf Committee/Nāẓir, in accordance with the governing documents and Discretion Protocol.

3.2. A member or family receiving an approved Grant does so as an eligible beneficiary of the Community Burial Waqf Fund. The Grant is not repayment of that member's contributions, is not Zakat and is not dependent upon the family being poor. Every recipient is a member of a community that gives and receives together.

3.3. The Waqf Committee may, where reasonably necessary for fairness and sustainability, reduce, cap, defer or decline a Grant. Membership or contribution history does not create an automatic entitlement.

3.4. LMBA is not a funeral director and does not itself provide funeral, burial, or repatriation services. Where LMBA assists with arrangements, the contract for those services is between the family and the relevant service provider.

4. Not insurance

4.1. LMBA is not an insurance scheme and does not provide contracts of insurance. It is not authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

4.2. Nothing on this website constitutes financial advice or a financial promotion. If you require insured funeral cover, you should seek an authorised provider and, where appropriate, independent financial advice.

5. Membership

5.1. Membership is open as set out in the Constitution. Applications are considered and may be accepted or declined at the Association's discretion in accordance with the Constitution.

5.2. Members must provide accurate and complete information when applying and keep their details (including dependants' details, where applicable) up to date.

5.3. Membership may lapse or be terminated in the circumstances set out in the Constitution. Lapse or termination does not entitle any person to a refund of contributions.

5.4. Members agree to be bound by the Constitution and any policies adopted by the Association from time to time.

5.5. Joining contribution: on joining, a one-off contribution to the community fund is payable, scaled by age at joining as set out below. The joining contribution is Tabarruʿ to the Community Burial Waqf Fund. It is irrevocable once received, except to correct an administrative or banking error, and does not create a personal entitlement to a Grant. (see section 2): it is non-refundable and confers no personal entitlement to any payment or benefit.

5.6. Applications from those aged over 70 are considered individually by the Committee, which may accept the application on such terms as it considers appropriate in accordance with the Constitution.

5.7. The Association may revise the joining contribution scale from time to time. The scale in force at the date of application applies.

6. Use of this website

6.1. The content of this website is provided for general information only. It is not legal, financial, or religious advice, and it does not form part of any contract between you and LMBA.

6.2. We take reasonable care to keep the website accurate and up to date, but we do not warrant that it is complete, accurate, or error-free. Where website content differs from the Constitution or the Association's formal decisions, the latter prevail.

6.3. You must not use this website unlawfully, attempt to gain unauthorised access to it, introduce malicious code, or use it in a way that could damage or impair it.

6.4. Unless otherwise stated, the content of this website (text, logos, and materials) belongs to LMBA or its licensors. You may view and print pages for personal, non-commercial use; any other reproduction requires our prior written consent. Qur'anic text and translations are reproduced with respect and for reference only.

6.5. This website may contain links to third-party websites. These are provided for convenience; we are not responsible for their content or practices.

7. Donations and payments made through the website

7.1. Where the website enables online contributions or donations, payments are processed by third-party payment providers, whose own terms apply to the processing of your payment.

7.2. Member contributions are Tabarruʿ to the Community Burial Waqf Fund and are normally irrevocable once received. (see section 2), they are non-refundable. If you believe a payment was made in error (for example, a duplicated transaction), please contact us promptly and we will consider the matter in good faith.

8. Privacy and data protection

8.1. We process personal data in accordance with UK data protection law. Please see our Privacy Policy for details of what we collect, why, and your rights.

9. Liability

9.1. Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud, or for any other liability that cannot lawfully be excluded.

9.2. Subject to 9.1, LMBA, its officers, committee members, and volunteers — who act in good faith and without remuneration — shall not be liable for any loss or damage arising from: (a) use of, or inability to use, this website; (b) reliance on information published on it; (c) any discretionary decision made in accordance with the Constitution, including a decision not to provide support; or (d) the acts or omissions of third-party service providers.

10. Complaints and disputes

10.1. If you have a concern or complaint, please raise it with the committee at info@lutonmuslimburial.com We will deal with it fairly, respectfully, and in accordance with the Constitution.

10.2. Members agree to seek to resolve disputes internally through the processes set out in the Constitution before pursuing any other course.

11. Changes to these Terms

11.1. We may update these Terms from time to time. The current version will always be published on this page with the date of the last update. Any material change that requires member approval under the Association Constitution or Shariah approval under the Waqf governance documents will only take effect once the applicable approval process has been completed.

12. General

12.1. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions remain in full force.

12.2. These Terms, and any dispute arising from them or from use of this website, are governed by the law of England and Wales, and subject to the exclusive jurisdiction of the courts of England and Wales.

13. Contact

Luton Muslim Burial Association

Email: info@lutonmuslimburial.com

May Allah accept the contributions of all who give, and honour all who receive, for we give and receive together as one community.