Recovery — Fotoh, Inc. Product #13

Calamity aid on qardon.org. When a calamity strikes — a wrecked car, a damaged home, a medical emergency, a lost asset — anyone may apply, member or not, lender or not. Eligibility turns on the calamity and on what is available, nothing else. An approved claim is paid from the yield the community’s awqaf have earned, in full or in part according to what is available, and never from anyone’s corpus. Claims are accepted and reviewed today. Payouts are not open yet.

Recovery is calamity aid. There is nothing to buy, nothing to subscribe to, and nothing to sign. It is a program of qardon.org, paid from the yield the community’s awqaf earned. It is a record, not a pot: no money is set aside or earmarked anywhere, no amount is guaranteed, and a claim is met in full, in part, or not at all according to what the yield has made available.

What it does

One fund for any calamity — a wrecked car, a damaged home, a medical emergency, a lost asset, lost work
Paid from the yield the community’s awqaf earned. No one’s corpus is ever drawn on.
Anyone may apply — member or not, lender or not, and regardless of faith. Nothing needs to have been lent first, and there is no waiting period.
The review asks three factual questions: did the event happen, is the documentation legitimate, is the loss amount reasonable. No story, no photograph of suffering.
Claims are accepted and reviewed today. Payouts are not open yet, and no amount is guaranteed.
A claim carries the claimant's full information — full legal name, date of birth, address, email, telephone, and his word that it is true. It is asked because this money belongs to people who lent it as waqf, and Fotoh has to be able to answer to them for where it went.
Never asked: no Social Security number, no tax number, no photograph of a document, no photograph of the claimant — and no payment of any kind, ever, to ask.

How it connects to the ecosystem

Recovery is one of the engines of qardon.org, beside the lending record itself and Karam. The corpus that lenders lend funds the interest-free loans; the yield that corpus earns is what meets a calamity claim. The two never cross.

Where it stands today: the claim intake and the review are built and open, and a claim filed now is recorded and reviewed. Payouts are not open, and no personal notice is scheduled — qardon.org will say so when they open. Nothing here is a contract, and Recovery is not a regulated financial product.

If a calamity has struck

File a claim at qardon.org. You do not need to be a member, you do not need to have lent anything, and there is no payment of any kind to ask. What is asked is your full information, because this money belongs to people who lent it as waqf. Claims are reviewed today; payouts are not open yet, and qardon.org will say so when they open.

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