there is one here The first page is the document, and the 2nd page are the halachos in relation to hetter iska. Notwithstanding the aforementioned agreements regarding the allocation of profits and losses, it is agreed that if the beneficiary returns the entire capital of this Iska to the investor and also pays the required amounts in all contracts, notes and agreements between the investor and the beneficiary: including, but not limited to interest, one-time fees or bonuses, points, penalties, benefits and index fees, as in the timing of these agreements, and retains the investor for all services, as agreed between the parties, and furthermore, the investor allows to terminate Iska by “selling” the note to a party that is not subject to the laws of Ribbis, and the product to the satisfaction of its share in the Iska and its efforts , the beneficiary is then released from his obligation to do any verification concerning this Iska, and all additional earnings belong to the sole beneficiary. The Jewish Religion Act strictly prohibits the payment or obtaining interest on loans granted between Jews. However, if funds are advanced as part of a commercial transaction, an agreement may be reached, with the supplier and beneficiary of these funds being considered equal partners. This partnership is based on the provision that each loss must be certified at the request of two trusted witnesses and all gains must be confirmed by oath. All resulting gains and losses are then distributed equitably. However, to avoid these very strict requirements, the provider of funds under this “Shtar Isko” agrees to forego its share of the profits instead of getting a fixed percentage of the money advanced. This percentage is then considered a gain rather than interest on a loan. This agreement will come into effect when the recipient of the funds completes a form as defined below. The beneficiary manages the funds as Pekadon Iska, whether it is an agreement related to it in the form of a loan or interest or compound interest.
As a guardian, the beneficiary is responsible for the theft or loss of these funds. Ninety-five percent of the profits should belong to the investor, five percent to the beneficiary, in exchange for his efforts to manage this Iska. All the above terms of the agreement are final and commit us and all the companies we own. It is expressly agreed that if, for whatever reason, the beneficiary or investor is not familiar with, or even completely ignorant of, the Heter Iska and ISKA/PIKADON mechanism will act in accordance with the Heter Iska mentioned in this contract, and all commitments and benefits that apply to the investor of an ISKA/PIKADON or the beneficiary of an ISKA/PIKADON apply to them, as stipulated in the since we and any company we own will not, in accordance with this contract, deal with financial matters that could possibly include payments with ribbis` prohibition, and which does business with us and with one of the companies we own, acting in accordance with this contract.