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Usha Devi (1984) and more recently in cases involving insurance nominations under the Insurance Act, 1938. A nominee receives the asset upon the policyholder’s death solely as a trustee and must distribute it to the legal heirs. However, many Indian Muslim families mistakenly treat nominations as ownership transfers, leading to un-Islamic distribution. Wasiyat’s Nominee Education module explains this distinction to your family with specific references to applicable Indian legislation."}},{"@type":"Question","name":"What is hajb (blocking) in inheritance?","acceptedAnswer":{"@type":"Answer","text":"Hajb refers to the exclusion of certain heirs from inheritance due to the presence of closer relatives. There are two types: hajb bil-hirman (total exclusion, where an heir is completely blocked) and hajb bil-nuqsan (partial reduction, where an heir’s share is reduced). For example, a grandfather is blocked by the father in all Sunni schools, and brothers are blocked by the son. 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The engine is purely deterministic with zero AI or probabilistic involvement."}},{"@type":"Question","name":"What is Awl and Radd?","acceptedAnswer":{"@type":"Answer","text":"Awl (proportional reduction) activates when Quranic fixed shares exceed 1.0 — a situation that historically arose during Umar ibn al-Khattab’s (RA) caliphate. For example, if a wife (1/8), two daughters (2/3), and a mother (1/6) inherit, the shares total 23/24, exceeding 1.0 after other obligations. All shares are proportionally scaled down. Radd (return) is the opposite: when fixed shares don’t exhaust the estate and no residuary (‘asabah) heirs exist, the surplus is redistributed proportionally to eligible fixed-share heirs. Different doctrines have important distinctions: the Hanafi school excludes the spouse from radd, while the Hanbali school includes them. The Ja’fari school never applies awl and handles excess differently through its tier system. Wasiyat applies the precise rule for your chosen doctrine."}},{"@type":"Question","name":"Can I see how other doctrines would handle my family?","acceptedAnswer":{"@type":"Answer","text":"Yes. The ORIS Doctrine Comparison is an educational tool that runs your family structure through all 6 calculation engines simultaneously and displays a side-by-side breakdown. You’ll see exactly how each heir’s share changes across schools — for example, a paternal grandmother may receive 1/6 under Hanafi rules but could be blocked entirely under Ja’fari rules. This is primarily useful for scholars comparing fiqhi outcomes or for the rare case where a family is exploring which madhab best represents their practice. Most families follow one school of thought for life and should simply select their madhab during setup."}},{"@type":"Question","name":"How does the engine handle the ‘Umariyyatayn’ (Cases of Umar)?","acceptedAnswer":{"@type":"Answer","text":"The Umariyyatayn refers to two specific cases where Umar ibn al-Khattab (RA) ruled that the mother receives 1/3 of the remainder rather than 1/3 of the entire estate. This occurs when the heirs are: (1) husband, mother, and father; or (2) wife, mother, and father. Without this rule, the mother would receive more than the father, which contradicts the Quranic principle in 4:11 that the male receives double the female’s share. All Sunni schools follow Umar’s ruling, while the Ja’fari school does not — giving the mother the full 1/3. Our engine handles both approaches correctly based on your selected doctrine."}},{"@type":"Question","name":"What is a DIN (Document Identification Number)?","acceptedAnswer":{"@type":"Answer","text":"Every finalized document pack receives a unique DIN in the format WV/YYYY/STATE/NNNNN (e.g., WV/2026/KA/00142). This human-readable identifier makes it easy to reference and verify your documents. The DIN appears in the footer of every page across all 10 documents in your estate pack."}},{"@type":"Question","name":"How can I verify a document’s authenticity?","acceptedAnswer":{"@type":"Answer","text":"Visit the Verify page on our website (/verify). You can verify documents two ways: enter the DIN directly, or scan the QR code printed on each document using your phone camera. The system checks the SHA-256 hash to confirm the document has not been tampered with since generation."}},{"@type":"Question","name":"What are digital signatures and how do they work?","acceptedAnswer":{"@type":"Answer","text":"When you finalize your estate plan, you draw your signature on a digital canvas. This signature is encrypted using AES-256-GCM and stored securely. The encrypted signature is then embedded directly into your PDF documents. Witnesses and executors can also sign digitally through their respective portals."}},{"@type":"Question","name":"How does witness attestation work?","acceptedAnswer":{"@type":"Answer","text":"You can invite up to 2 witnesses by entering their name and email address. Each witness receives a secure link to a dedicated attestation portal where they can review the document summary, sign a legal declaration, and provide their digital signature. Their attestation is timestamped and their signature is embedded in the Will Declaration PDF."}},{"@type":"Question","name":"Are the generated documents legally valid in Indian courts?","acceptedAnswer":{"@type":"Answer","text":"Our documents are formatted to Indian court standards — Times-Roman font, 25mm margins, section numbering, seal placeholders, and jurisdiction clauses referencing the Indian Succession Act 1925 and Muslim Personal Law (Shariat) Application Act 1937. 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The remaining two-thirds are distributed according to fixed Quranic shares (fara’id) among classified heirs as prescribed in Surah An-Nisa (4:11–12). Wasiyat helps you create both components — the discretionary bequest and the complete inheritance schedule with full Quranic citations."}]]}],["$","$L11","1",{"value":"Islamic Inheritance Basics-1","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Why can I only bequeath up to 1/3 of my estate?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"The 1/3 cap originates from the hadith of Sa’d ibn Abi Waqqas (Sahih al-Bukhari 2742), who asked the Prophet (ﷺ) about bequeathing his entire wealth. The response was: “One-third, and one-third is much.” This limit safeguards the Quranic rights of classified heirs (ashab al-furu’d) and prevents disinheritance of family members through excessive bequests. In the Ja’fari school, a bequest exceeding 1/3 is void unless all heirs unanimously consent after the testator’s death. This is enforced as an immutable hard constraint in Wasiyat — no user action can override it."}]]}],["$","$L11","2",{"value":"Islamic Inheritance Basics-2","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What are the six doctrines supported?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Wasiyat supports all six major schools of Islamic jurisprudence: the four Sunni schools — Hanafi (predominant across India), Shafi’i (common in Kerala and coastal Karnataka), Maliki, and Hanbali; the Shia Ja’fari (Twelver) school followed by Shia communities in Lucknow, Hyderabad, and Mumbai; and Ahle Hadees / Salafi — based directly on Quran and authenticated Hadith without strict adherence to a single classical school, with distinct radd rules following the position of Ibn Abbas (RA). Each doctrine differs on critical rules: the Hanafi school applies awl (proportional reduction) when shares exceed 1.0; the Ja’fari school excludes certain agnatic relatives; the Ahle Hadees school excludes the spouse from radd. Our engine implements each school’s exact classical rules."}]]}],["$","$L11","3",{"value":"Islamic Inheritance Basics-3","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Can I make a bequest to an heir?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"No. This prohibition is based on the hadith: “There shall be no bequest for an heir” (Abu Dawud 2870, Sunan al-Tirmidhi 2120). If a testator bequeaths to a classified heir (e.g., spouse, children, parents), the bequest is void unless all other heirs unanimously consent after the death (ijma’ al-fuqaha). This prevents circumventing the Quranic distribution scheme. Wasiyat enforces this as a hard constraint — the system will reject any bequest entry targeting a classified heir in your family tree."}]]}],["$","$L11","4",{"value":"Islamic Inheritance Basics-4","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What is the difference between a nominee and an heir?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Under Indian law, a nominee is a custodian, not an owner. The Supreme Court of India clarified this in Sarbati Devi v. Usha Devi (1984) and more recently in cases involving insurance nominations under the Insurance Act, 1938. A nominee receives the asset upon the policyholder’s death solely as a trustee and must distribute it to the legal heirs. However, many Indian Muslim families mistakenly treat nominations as ownership transfers, leading to un-Islamic distribution. Wasiyat’s Nominee Education module explains this distinction to your family with specific references to applicable Indian legislation."}]]}],["$","$L11","5",{"value":"Islamic Inheritance Basics-5","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What is hajb (blocking) in inheritance?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Hajb refers to the exclusion of certain heirs from inheritance due to the presence of closer relatives. There are two types: hajb bil-hirman (total exclusion, where an heir is completely blocked) and hajb bil-nuqsan (partial reduction, where an heir’s share is reduced). For example, a grandfather is blocked by the father in all Sunni schools, and brothers are blocked by the son. The Ja’fari school has a distinct class-based blocking system where heirs are grouped into three tiers, and a closer tier excludes all lower tiers entirely. Our 5-layer engine handles these rules automatically."}]]}]]}]]}],["$","div","Calculation Engine",{"children":[["$","div",null,{"className":"flex items-center gap-3 mb-4","children":[["$","div",null,{"className":"flex h-10 w-10 items-center justify-center rounded-lg bg-emerald-500/10 text-emerald-400 ring-1 ring-emerald-500/20","children":["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-calculator h-5 w-5","children":[["$","rect","1nb95v",{"width":"16","height":"20","x":"4","y":"2","rx":"2"}],["$","line","x4nwl0",{"x1":"8","x2":"16","y1":"6","y2":"6"}],["$","line","wjye3r",{"x1":"16","x2":"16","y1":"14","y2":"18"}],["$","path","1m94wz",{"d":"M16 10h.01"}],["$","path","1nrarc",{"d":"M12 10h.01"}],["$","path","19clt8",{"d":"M8 10h.01"}],["$","path","1etili",{"d":"M12 14h.01"}],["$","path","6423bh",{"d":"M8 14h.01"}],["$","path","mhygvu",{"d":"M12 18h.01"}],["$","path","lrp35t",{"d":"M8 18h.01"}],"$undefined"]}]}],["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"Calculation Engine"}]]}],["$","$L10",null,{"type":"single","collapsible":true,"className":"w-full","children":[["$","$L11","0",{"value":"Calculation Engine-0","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"How accurate are the inheritance calculations?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Our 5-layer calculation engine uses exact fraction arithmetic (BigInt) — not floating point — eliminating rounding errors entirely. Every calculation passes through five layers: heir identification, filtering and blocking (hajb), fixed share assignment (fara’id), residuary distribution (‘asabah), and adjustment (awl/radd). Results are validated: shares must sum to exactly 1.0, every share references a specific Quranic verse (e.g., Surah An-Nisa 4:11) or hadith, and results are checked against golden test vectors to 6 decimal places. The engine is purely deterministic with zero AI or probabilistic involvement."}]]}],["$","$L11","1",{"value":"Calculation Engine-1","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What is Awl and Radd?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Awl (proportional reduction) activates when Quranic fixed shares exceed 1.0 — a situation that historically arose during Umar ibn al-Khattab’s (RA) caliphate. For example, if a wife (1/8), two daughters (2/3), and a mother (1/6) inherit, the shares total 23/24, exceeding 1.0 after other obligations. All shares are proportionally scaled down. Radd (return) is the opposite: when fixed shares don’t exhaust the estate and no residuary (‘asabah) heirs exist, the surplus is redistributed proportionally to eligible fixed-share heirs. Different doctrines have important distinctions: the Hanafi school excludes the spouse from radd, while the Hanbali school includes them. The Ja’fari school never applies awl and handles excess differently through its tier system. Wasiyat applies the precise rule for your chosen doctrine."}]]}],["$","$L11","2",{"value":"Calculation Engine-2","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Can I see how other doctrines would handle my family?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Yes. The ORIS Doctrine Comparison is an educational tool that runs your family structure through all 6 calculation engines simultaneously and displays a side-by-side breakdown. You’ll see exactly how each heir’s share changes across schools — for example, a paternal grandmother may receive 1/6 under Hanafi rules but could be blocked entirely under Ja’fari rules. This is primarily useful for scholars comparing fiqhi outcomes or for the rare case where a family is exploring which madhab best represents their practice. Most families follow one school of thought for life and should simply select their madhab during setup."}]]}],["$","$L11","3",{"value":"Calculation Engine-3","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"How does the engine handle the ‘Umariyyatayn’ (Cases of Umar)?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"The Umariyyatayn refers to two specific cases where Umar ibn al-Khattab (RA) ruled that the mother receives 1/3 of the remainder rather than 1/3 of the entire estate. This occurs when the heirs are: (1) husband, mother, and father; or (2) wife, mother, and father. Without this rule, the mother would receive more than the father, which contradicts the Quranic principle in 4:11 that the male receives double the female’s share. All Sunni schools follow Umar’s ruling, while the Ja’fari school does not — giving the mother the full 1/3. Our engine handles both approaches correctly based on your selected doctrine."}]]}]]}]]}],["$","div","Document Integrity & Verification",{"children":[["$","div",null,{"className":"flex items-center gap-3 mb-4","children":[["$","div",null,{"className":"flex h-10 w-10 items-center justify-center rounded-lg bg-emerald-500/10 text-emerald-400 ring-1 ring-emerald-500/20","children":["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-fingerprint h-5 w-5","children":[["$","path","1nerag",{"d":"M12 10a2 2 0 0 0-2 2c0 1.02-.1 2.51-.26 4"}],["$","path","o46ks0",{"d":"M14 13.12c0 2.38 0 6.38-1 8.88"}],["$","path","ptglia",{"d":"M17.29 21.02c.12-.6.43-2.3.5-3.02"}],["$","path","ydlgp0",{"d":"M2 12a10 10 0 0 1 18-6"}],["$","path","1gqxmh",{"d":"M2 16h.01"}],["$","path","drycrb",{"d":"M21.8 16c.2-2 .131-5.354 0-6"}],["$","path","1tidbn",{"d":"M5 19.5C5.5 18 6 15 6 12a6 6 0 0 1 .34-2"}],["$","path","13wd9y",{"d":"M8.65 22c.21-.66.45-1.32.57-2"}],["$","path","1fr1j5",{"d":"M9 6.8a6 6 0 0 1 9 5.2v2"}],"$undefined"]}]}],["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"Document Integrity & Verification"}]]}],["$","$L10",null,{"type":"single","collapsible":true,"className":"w-full","children":[["$","$L11","0",{"value":"Document Integrity & Verification-0","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What is a DIN (Document Identification Number)?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Every finalized document pack receives a unique DIN in the format WV/YYYY/STATE/NNNNN (e.g., WV/2026/KA/00142). This human-readable identifier makes it easy to reference and verify your documents. The DIN appears in the footer of every page across all 10 documents in your estate pack."}]]}],["$","$L11","1",{"value":"Document Integrity & Verification-1","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"How can I verify a document’s authenticity?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Visit the Verify page on our website (/verify). You can verify documents two ways: enter the DIN directly, or scan the QR code printed on each document using your phone camera. The system checks the SHA-256 hash to confirm the document has not been tampered with since generation."}]]}],["$","$L11","2",{"value":"Document Integrity & Verification-2","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What are digital signatures and how do they work?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"When you finalize your estate plan, you draw your signature on a digital canvas. This signature is encrypted using AES-256-GCM and stored securely. The encrypted signature is then embedded directly into your PDF documents. Witnesses and executors can also sign digitally through their respective portals."}]]}],["$","$L11","3",{"value":"Document Integrity & Verification-3","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"How does witness attestation work?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"You can invite up to 2 witnesses by entering their name and email address. Each witness receives a secure link to a dedicated attestation portal where they can review the document summary, sign a legal declaration, and provide their digital signature. Their attestation is timestamped and their signature is embedded in the Will Declaration PDF."}]]}],["$","$L11","4",{"value":"Document Integrity & Verification-4","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Are the generated documents legally valid in Indian courts?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Our documents are formatted to Indian court standards — Times-Roman font, 25mm margins, section numbering, seal placeholders, and jurisdiction clauses referencing the Indian Succession Act 1925 and Muslim Personal Law (Shariat) Application Act 1937. 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Data in transit uses TLS 1.3. Passwords are hashed with bcrypt at cost factor 12. We maintain a tamper-evident audit trail using hash-chaining (each audit entry includes the hash of the previous entry). Access is controlled via JWT tokens with short expiration windows, and optional TOTP-based 2FA adds an additional authentication layer. All digital signatures are encrypted using AES-256-GCM and stored separately from the hash verification data. Document integrity is protected by SHA-256 hash chains, and every document can be independently verified through our public verification portal."}]]}],["$","$L11","1",{"value":"Security & Privacy-1","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What happens to my data if I cancel?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"After cancellation, your account remains accessible in read-only mode until the end of your billing period. We retain your encrypted data for 90 days to allow reactivation or data export (available in PDF and JSON formats). After 90 days, all data is permanently and irreversibly deleted using cryptographic erasure — the envelope encryption key is destroyed, rendering the encrypted data unrecoverable. You can request immediate deletion at any time through Settings."}]]}],["$","$L11","2",{"value":"Security & Privacy-2","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Can my family access the vault if something happens to me?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Yes. The Emergency Access module provides three configurable methods: (1) Time-Lock Inactivity — if you don’t log in for a configurable period (30–365 days), designated contacts are automatically granted access; (2) Trusted Quorum — a minimum number of pre-designated trusted individuals must jointly request access, preventing unilateral misuse; (3) Manual Release — you pre-authorize specific individuals with defined access scopes (view-only, full access). All emergency access events are logged in the immutable audit trail and trigger email notifications."}]]}],["$","$L11","3",{"value":"Security & Privacy-3","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Is the platform GDPR and Indian IT Act compliant?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Yes. Wasiyat is designed to comply with the Information Technology Act, 2000 (including the 2011 Privacy Rules under Section 43A) and is aligned with DPDPA 2023 (Digital Personal Data Protection Act) principles. You have full control over your data: the right to access, export, correct, and delete. We collect only data necessary for estate planning functionality and never sell personal data to third parties. Our privacy policy details all data processing activities, retention periods, and your rights."}]]}]]}]]}],["$","div","ORIS AI",{"children":[["$","div",null,{"className":"flex items-center gap-3 mb-4","children":[["$","div",null,{"className":"flex h-10 w-10 items-center justify-center rounded-lg bg-emerald-500/10 text-emerald-400 ring-1 ring-emerald-500/20","children":["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-bot h-5 w-5","children":[["$","path","hb8ula",{"d":"M12 8V4H8"}],["$","rect","enze0r",{"width":"16","height":"12","x":"4","y":"8","rx":"2"}],["$","path","vft8re",{"d":"M2 14h2"}],["$","path","4cs60a",{"d":"M20 14h2"}],["$","path","1xurst",{"d":"M15 13v2"}],["$","path","rq6x2g",{"d":"M9 13v2"}],"$undefined"]}]}],["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"ORIS AI"}]]}],["$","$L10",null,{"type":"single","collapsible":true,"className":"w-full","children":[["$","$L11","0",{"value":"ORIS AI-0","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What is ORIS?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"ORIS (Obligation, Rights, Inheritance & Succession) is our AI advisory layer powered by Anthropic Claude. It assists with five key features: (1) Natural Language Family Building — describe your family in plain English or Urdu transliteration and ORIS structures it; (2) Doctrine Comparison — side-by-side analysis across all 6 schools; (3) Scenario Analysis — model ‘what-if’ situations like future births, deaths, or asset changes; (4) Document Migration — import existing wills or inheritance documents; (5) Conversational Explorer — ask questions about your estate plan in natural language. ORIS is strictly advisory and architecturally separated from the calculation engine."}]]}],["$","$L11","1",{"value":"ORIS AI-1","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Does ORIS make the inheritance calculations?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Absolutely not. This is a foundational architectural principle of Wasiyat: the deterministic rule-based engine handles all inheritance calculations, bequest cap enforcement, and constraint validation. ORIS handles only user experience and advisory features. The two systems are strictly separated — ORIS cannot read or write to the calculation pipeline. If ORIS experiences downtime or errors, all core features (calculations, document generation, family management) continue operating normally. This ensures that religious obligations are never dependent on AI accuracy."}]]}],["$","$L11","2",{"value":"ORIS AI-2","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Can I trust ORIS for religious guidance?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"ORIS provides educational information sourced from authenticated classical texts (Al-Sirajiyyah, Sharh al-Fara’id, and other recognized fiqh references). However, ORIS is explicitly prohibited from issuing fatwas, making religious rulings, or offering personalised spiritual advice. For matters of fiqh requiring ijtihad (scholarly reasoning), you should consult a qualified mufti or Shariah scholar. Every ORIS response includes a disclaimer, and the Vault plan includes access to our Shariah Board for annual consultations with qualified scholars."}]]}],["$","$L11","3",{"value":"ORIS AI-3","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What happens if ORIS gives incorrect information?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"ORIS uses a circuit-breaker pattern with automatic fallback: if AI confidence is low or the model is unavailable, it gracefully degrades to pre-written responses or directs you to our help documentation. ORIS never modifies your family tree, calculation results, or documents without your explicit confirmation. All ORIS suggestions are presented as recommendations that you must review and approve before they take effect. 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Vault (₹7,999/year) adds all 6 schools of thought, full ORIS AI access, complete 10-document pack with DIN, executor portal, witness attestation, Video Wasiyat (1 recording), and priority support. Vault Family (₹14,999/year) includes everything in Vault plus multi-family management, Video Wasiyat (5 recordings), professional marketplace access, Shariah board consultation (once per year), and dedicated account management."}]]}],["$","$L11","1",{"value":"Subscription & Billing-1","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Is there a free trial or refund policy?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Yes. All plans start with a 14-day free trial — no credit card required. You get full access to your chosen plan’s features during the trial period. 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Recurring annual subscriptions are handled via Razorpay Subscriptions with automatic renewal reminders sent 7 days before billing."}]]}],["$","$L11","3",{"value":"Subscription & Billing-3","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Can I switch between plans mid-subscription?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Yes. Upgrades take effect immediately with the price difference prorated for the remaining billing period. Downgrades take effect at the start of your next billing cycle, and you retain access to your current plan’s features until then. If downgrading removes features you’re actively using (e.g., additional doctrines, vault storage), we’ll notify you before the change and provide an export option for any data that would become inaccessible."}]]}]]}]]}],["$","div","Legal & Compliance",{"children":[["$","div",null,{"className":"flex items-center gap-3 mb-4","children":[["$","div",null,{"className":"flex h-10 w-10 items-center justify-center rounded-lg bg-emerald-500/10 text-emerald-400 ring-1 ring-emerald-500/20","children":["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-scale h-5 w-5","children":[["$","path","7g6ntu",{"d":"m16 16 3-8 3 8c-.87.65-1.92 1-3 1s-2.13-.35-3-1Z"}],["$","path","ijws7r",{"d":"m2 16 3-8 3 8c-.87.65-1.92 1-3 1s-2.13-.35-3-1Z"}],["$","path","1b0cd5",{"d":"M7 21h10"}],["$","path","108xh3",{"d":"M12 3v18"}],["$","path","3gwbw2",{"d":"M3 7h2c2 0 5-1 7-2 2 1 5 2 7 2h2"}],"$undefined"]}]}],["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"Legal & Compliance"}]]}],["$","$L10",null,{"type":"single","collapsible":true,"className":"w-full","children":[["$","$L11","0",{"value":"Legal & Compliance-0","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Is a Wasiyat document legally valid in India?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Wasiyat generates documents aligned with the Muslim Personal Law (Shariat) Application Act, 1937, which governs succession for Indian Muslims. Under Islamic law, a will does not require registration to be valid, but it must be executed with the testimony of at least two adult Muslim witnesses. We strongly recommend attestation and, for high-value estates, optional notarization. For immovable property (land, flats), registration under the Registration Act, 1908 may be advisable depending on state rules. Our State Execution Packs include state-specific guidance on stamp duty, registration, and witness requirements."}]]}],["$","$L11","1",{"value":"Legal & Compliance-1","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Which Indian states are supported?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Wasiyat supports all Indian states and union territories. Each state has distinct requirements — for example, Karnataka requires stamp paper for wills over ₹100 in value; Kerala has specific provisions under the Cochin and Travancore succession acts for certain communities; Telangana and AP follow the unified AP Stamp Act. Our State Execution Packs document each state’s stamp duty schedule, registration office locations, witness requirements, and any state-specific court precedents on Muslim succession."}]]}],["$","$L11","2",{"value":"Legal & Compliance-2","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"How do you handle the Muslim Personal Law (Shariat) Application Act?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"The Shariat Act of 1937 provides that Muslim personal law governs matters of inheritance, wills, and succession for Indian Muslims, taking precedence over the Indian Succession Act, 1925 (which applies to non-Muslims). Our calculation engine applies the traditional fara’id rules of the selected doctrine. For Muslims in certain states who may have opted for codified law or for families with mixed-law considerations (e.g., joint Hindu family property acquired by a Muslim), we recommend consulting a qualified legal advisor alongside using Wasiyat."}]]}],["$","$L11","3",{"value":"Legal & Compliance-3","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"How does Indian joint property law interact with Islamic inheritance?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"This is one of the most common pain points for Indian Muslim families. Joint property (held by co-owners, often siblings or spouses) must first be separated to determine the deceased’s individual share before Islamic inheritance rules apply. For example, if a husband and wife jointly own a flat in Koramangala, only the deceased’s 50% share enters the Islamic estate. Wasiyat’s Joint Property Separator tool helps you isolate the deceased’s share from jointly held assets before running the inheritance calculation, ensuring accurate distribution."}]]}]]}]]}],["$","div","Documents & Executor",{"children":[["$","div",null,{"className":"flex items-center gap-3 mb-4","children":[["$","div",null,{"className":"flex h-10 w-10 items-center justify-center rounded-lg bg-emerald-500/10 text-emerald-400 ring-1 ring-emerald-500/20","children":["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-file-text h-5 w-5","children":[["$","path","1rqfz7",{"d":"M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z"}],["$","path","tnqrlb",{"d":"M14 2v4a2 2 0 0 0 2 2h4"}],["$","path","b1mrlr",{"d":"M10 9H8"}],["$","path","t4e002",{"d":"M16 13H8"}],["$","path","z1uh3a",{"d":"M16 17H8"}],"$undefined"]}]}],["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"Documents & Executor"}]]}],["$","$L10",null,{"type":"single","collapsible":true,"className":"w-full","children":[["$","$L11","0",{"value":"Documents & Executor-0","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What documents does Wasiyat generate?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"We generate a comprehensive document pack: (1) Will Document (Wasiyyah) with proper Islamic preamble (bismillah, shahada), bequest clauses, and heir designation; (2) Inheritance Schedule (Share Certificate) showing each heir’s exact fraction, Quranic citation, and INR value; (3) Bequest Annexure detailing discretionary allocations; (4) Asset Inventory with property descriptions, estimated values, and nominee details; (5) Family Summary with the complete heir tree; (6) Executor Playbook with step-by-step administration guide. All documents are generated as court-ready PDFs with state-specific legal language, bilingual headers, and proper attestation blocks."}]]}],["$","$L11","1",{"value":"Documents & Executor-1","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What is the Executor Playbook?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"The Executor Playbook is an 8-stage operational guide for the wasi (executor) you designate. It covers: (1) death certificate procurement, (2) asset inventory and valuation, (3) debt and liability settlement (including the Islamic priority: funeral expenses → debts → bequests → inheritance), (4) bequest execution, (5) share calculation verification, (6) asset transfer and mutation, (7) documentation with Sub-Registrar offices, and (8) final distribution confirmation. Each stage includes checklists, estimated timelines, required government forms, and your specific distribution data pre-filled."}]]}],["$","$L11","2",{"value":"Documents & Executor-2","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What is the Islamic priority order for settling an estate?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Before inheritance shares are calculated, Islamic law mandates a strict priority sequence for the gross estate: (1) Funeral and burial expenses (tajheez-o-takfeen), kept reasonable per Sunnah; (2) Debts owed by the deceased (duyun), including both debts to people and religious obligations like unpaid zakat or kaffarah; (3) Bequests (wasiyyah) up to 1/3 of the remaining estate to non-heirs; (4) Inheritance distribution (mirath) of the remaining 2/3 per fara’id. This sequence is derived from Surah An-Nisa (4:11–12): “after any bequest he may have made or debt.” Wasiyat enforces this priority order in every calculation."}]]}],["$","$L11","3",{"value":"Documents & Executor-3","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What documents are included in the estate pack?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"A complete estate pack contains 10 documents: (1) Will Declaration (Wasiyyah), (2) Inheritance Calculation Certificate, (3) Asset Schedule, (4) Bequest Summary, (5) Heir Certificate, (6) Islamic Compliance Certificate, (7) Compliance Checklist, (8) Executor Guide, (9) Nominee Directory, and (10) Emergency Access Instructions. Each document has a DIN footer, QR code, and seal placeholder."}]]}],["$","$L11","4",{"value":"Documents & Executor-4","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Can witnesses and executors sign documents electronically?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Yes. Digital signature capture is available for all parties — testator, executor, and witnesses. Signatures are drawn on a canvas, encrypted at rest using AES-256-GCM, and embedded directly into the generated PDF documents."}]]}]]}]]}],["$","div","Executor Portal",{"children":[["$","div",null,{"className":"flex items-center gap-3 mb-4","children":[["$","div",null,{"className":"flex h-10 w-10 items-center justify-center rounded-lg bg-emerald-500/10 text-emerald-400 ring-1 ring-emerald-500/20","children":["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-user-check h-5 w-5","children":[["$","path","1yyitq",{"d":"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2"}],["$","circle","nufk8",{"cx":"9","cy":"7","r":"4"}],["$","polyline","1pwet4",{"points":"16 11 18 13 22 9"}],"$undefined"]}]}],["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"Executor Portal"}]]}],["$","$L10",null,{"type":"single","collapsible":true,"className":"w-full","children":[["$","$L11","0",{"value":"Executor Portal-0","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"How does the executor portal work?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"When you appoint an executor (Wasi), they receive an email invitation with a secure link to their dedicated portal. From there, they can accept or decline the appointment, review the estate plan, access and download all documents, sign digitally, and follow the 8-step executor playbook for estate settlement."}]]}],["$","$L11","1",{"value":"Executor Portal-1","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Can one executor serve across multiple estates?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Yes. If an executor has been appointed across multiple estates, they can access a unified dashboard showing all their active appointments. Each appointment is tracked independently with its own status, documents, and timeline."}]]}],["$","$L11","2",{"value":"Executor Portal-2","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What is identity verification?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Identity verification adds an extra layer of trust to your estate documents. You can verify your identity through a self-declaration (name, date of birth, address) or by providing basic Aadhaar information (last 4 digits only — we never store your full Aadhaar number). Verified identities are noted on your Will Declaration."}]]}],["$","$L11","3",{"value":"Executor Portal-3","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Can I change my executor after appointing one?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Yes. You can revoke an executor appointment at any time from your dashboard and appoint a new one. The revoked executor will lose portal access immediately, and a new invitation will be sent to the replacement."}]]}]]}]]}],["$","div","Family & Account",{"children":[["$","div",null,{"className":"flex items-center gap-3 mb-4","children":[["$","div",null,{"className":"flex h-10 w-10 items-center justify-center rounded-lg bg-emerald-500/10 text-emerald-400 ring-1 ring-emerald-500/20","children":["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-users h-5 w-5","children":[["$","path","1yyitq",{"d":"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2"}],["$","circle","nufk8",{"cx":"9","cy":"7","r":"4"}],["$","path","kshegd",{"d":"M22 21v-2a4 4 0 0 0-3-3.87"}],["$","path","1da9ce",{"d":"M16 3.13a4 4 0 0 1 0 7.75"}],"$undefined"]}]}],["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"Family & Account"}]]}],["$","$L10",null,{"type":"single","collapsible":true,"className":"w-full","children":[["$","$L11","0",{"value":"Family & Account-0","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"Can I manage multiple families?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"The Vault Family plan (₹14,999/year) supports multiple family profiles, allowing you to manage separate estate plans for different family branches. This is particularly useful for professionals (advocates, chartered accountants, Islamic finance consultants) managing multiple clients, or for family patriarchs overseeing estate plans across extended family networks. Each family profile has independent heir trees, asset inventories, and calculation histories."}]]}],["$","$L11","1",{"value":"Family & Account-1","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"How do I add family members?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"The Family Builder supports two modes: (1) Manual Entry — add members one by one with their relationship to the deceased (e.g., son, daughter, wife, mother, paternal uncle), gender, and living status. The system validates relationships and warns about potential classification conflicts. (2) ORIS Natural Language — describe your family in plain English or transliterated Urdu (e.g., “My wife Fatima, two sons Ahmed and Yusuf, my mother Khadija is alive, and my father passed away last year”) and ORIS parses the structure automatically, presenting it for your confirmation before saving."}]]}],["$","$L11","2",{"value":"Family & Account-2","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What if my family situation changes after I create a plan?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Estate plans are living documents. Wasiyat’s Life Event Tracking system helps you update your plan when significant events occur: marriage, divorce, birth of a child, death of an heir, or acquisition or sale of major assets. When you log a life event, the system automatically flags which calculations and documents need to be regenerated. ORIS can also run ‘what-if’ scenario analyses to help you understand how future events might change the distribution before they happen."}]]}]]}]]}]]}]}],["$","section",null,{"className":"py-16 sm:py-20 border-t border-border/40","children":["$","div",null,{"className":"mx-auto max-w-4xl px-4 sm:px-6 lg:px-8 space-y-12","children":[["$","div","General",{"children":[["$","div",null,{"className":"flex items-center gap-3 mb-4","children":[["$","div",null,{"className":"flex h-10 w-10 items-center justify-center rounded-lg bg-emerald-500/10 text-emerald-400 ring-1 ring-emerald-500/20","children":["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-message-square h-5 w-5","children":[["$","path","1lielz",{"d":"M21 15a2 2 0 0 1-2 2H7l-4 4V5a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2z"}],"$undefined"]}]}],["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"General"}]]}],["$","$L10",null,{"type":"single","collapsible":true,"className":"w-full","children":[["$","$L11","0",{"value":"cms-General-0","className":"border-border","children":[["$","$L12",null,{"className":"text-left text-sm font-medium text-foreground/90 hover:text-foreground","children":"What is Wasiyat?"}],["$","$L13",null,{"className":"text-sm text-muted-foreground leading-relaxed","children":"Wasiyat is India's definitive Shariah-compliant estate planning platform supporting all 6 major Islamic jurisprudence schools."}]]}]]}]]}]]}]}],["$","section",null,{"className":"relative py-16 overflow-hidden","children":[["$","div",null,{"className":"absolute left-1/2 top-1/2 -translate-x-1/2 -translate-y-1/2 h-[300px] w-[500px] rounded-full bg-emerald-500/[0.05] blur-[120px] pointer-events-none"}],["$","div",null,{"className":"relative mx-auto max-w-4xl px-4 text-center sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"font-headline text-2xl font-bold text-foreground","children":"Still have questions?"}],["$","p",null,{"className":"mt-2 text-muted-foreground","children":"Our team is ready to help you with your estate planning journey."}],["$","div",null,{"className":"mt-6 flex flex-col sm:flex-row justify-center gap-4","children":[["$","$L6",null,{"href":"/contact","className":"btn-glow inline-flex h-11 items-center justify-center rounded-xl px-6 text-sm font-semibold text-white","children":"Contact Us"}],["$","$L6",null,{"href":"/register","className":"inline-flex h-11 items-center justify-center rounded-xl border border-border px-6 text-sm font-medium text-muted-foreground transition-all hover:border-primary/30 hover:text-foreground","children":"Get Started Free"}]]}]]}]]}]]
