⭐ Investment Highlights

OurAuto offers investors a Sharia-compliant opportunity to participate in a real business model that generates profit through vehicle acquisition, repair, resale, and halal financing operations.

• Target Profit Range: Historically 20% – 40% annually, depending on actual business performance
• Profit Distribution: Every 6 months
• Investment Period: Minimum 6 months, maximum 5 years
• Investment Structure: Class B shareholders participate in profit and loss based on equity ownership

🚗 How the Business Generates Profit

OurAuto purchases vehicles, performs necessary repairs and maintenance, and resells them at a profit. In addition, our halal car financing model helps customers buy vehicles without interest, creating ethical business value for both clients and investors.

Example Scenario

• Car Purchase Price: $7,000
• Repairs & Maintenance: $500
• Sale Price: $8,500

Net Profit Example: $1000

This profit is shared between the company and investors based on the agreed profit-sharing structure (20% or 33%. To improve capital efficiency, investor funds are typically rotated across approximately 15–20 vehicles.

🛡 Risk-Reduction Framework

We apply several safeguards to reduce business risk and improve protection of investor capital.

• Asset-Backed Model: Each vehicle acts as a tangible asset and operational collateral
• Capital Priority: Investor capital is prioritized before company profit in the agreed structure
• Diversification: Funds are spread across multiple vehicles rather than depending on a single deal
• Commercial Insurance: Business operations are supported by commercial insurance coverage
• Structured Oversight: Business activity is governed through internal controls and documented agreements

📘 Governance & Regulatory Compliance

OurAuto has prepared an Offering Memorandum (OM) and follows the applicable requirements of the Alberta Securities Commission (ASC) under exempt market rules.

• Offering Memorandum (OM): Provides disclosure on terms, risks, and investor rights
• Corporate Bylaws: Govern shareholder participation and redemption structure
• Class B Shareholders: Participate according to the agreed investment structure
• Reporting: Required filings are completed in accordance with applicable exempt market regulations

These governance documents explain profit-sharing, exit options, maturity periods, and important risk disclosures.

🕌 Sharia Oversight

OurAuto operates under the guidance of a Sharia Advisory Board to help ensure that financing arrangements, contracts, business conduct, and profit-sharing practices remain aligned with Islamic principles.

The board reviews the structure of the business to help avoid Riba (interest) and to maintain ethical, transparent, and community-focused operations.

Sharia Advisory Board Members

• Sheikh Dr. Masum Sarker Azhari, PhD
  Islamic Scholar – Al-Azhar University, Egypt
  Resident Scholar – Edmonton, Canada
• Mawlana Redwan (To be confirmed)
  Imam – Baitul Aman Mosque, Edmonton
• Mufti Imran (To be confirmed)
  Islamic Scholar & Imam – Quba Mosque, Edmonton
• Additional Islamic Scholar
  To be selected by shareholders for continued independent Sharia oversight

👥 Professional Advisory Members & Exit Options

In addition to Sharia advisors, OurAuto is supported by professional and community advisors who help strengthen governance, accountability, and operational transparency.

Professional Advisory Members

• Mustafizur Rahman
  Chairman – Ramadan Challenge Institute
  Founder – Journey to Success & FundayIsCool, Edmonton
• Engr. Masrur Asker, P.Eng
  Chairman – Arko Construction
  Chairman – Alberta Humanitarian Institute (AHI), Edmonton
• Engr. Emran Rashed, P.Eng
  Project Director – Waste Management, City of Edmonton
• Awlad Munshi
  President BD Halaqa, & LifeMember, Al Rashid Mosque, Edmonton

Exit & Liquidity

• Profit distributions are generally made every 6 months
• Investors may reinvest or exit according to the terms of the OM
• Minimum maturity period is 6 months
• In emergency situations, refund requests may be considered within approximately 20 days, subject to terms and conditions