wmj
78e025c27d
Adds a 7th persona (Emergency/Community Contact — mosque, khairat officer, police, ambulance, notified automatically the moment a trigger fires) and extends every existing journey with what shipped since the last version: Zakat, Khairat, Sadaqah, jurisdiction/professional review, draft will PDF, and the prayer-times/Qibla/locate/Quran/neighbourhood lifestyle tools. New footnote clarifying Neighbourhood is scoped to the account, not the estate-planning family.
525 lines
28 KiB
HTML
525 lines
28 KiB
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<body>
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<div class="wrap">
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<header class="page-head">
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<div class="eyebrow">Nur Falah · Prevention Suite · updated 2026-08-14</div>
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<h1>Seven people, one estate — mapped end to end</h1>
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<p class="lede">Every role the app actually has, from the head of family logging their first asset to the mosque contact who's emailed automatically the moment a death trigger fires. Journeys are built from what's implemented today, not aspirational flows — updated with Zakat, Sadaqah, Khairat, jurisdiction/professional review, and the prayer-times/Qibla/locate/Quran/neighbourhood tools added since the first version of this map.</p>
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<div class="legend">
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<span class="legend-item"><span class="swatch in-app"></span>Has a Nur Falah account</span>
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<span class="legend-item"><span class="swatch external"></span>Never signs in — reached by data others enter</span>
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</div>
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</header>
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<div class="persona-grid">
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<!-- 1: OWNER -->
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<div class="persona" style="--rail:#b4884a; --tag-bg:rgba(180,136,74,0.16); --tag-fg:#b4884a;">
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<div class="persona-head">
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<h2 class="persona-name">The Head of Family</h2>
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<span class="persona-tag">Owner</span>
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</div>
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<p class="persona-goal">Get everything they own arranged to skip the slow Faraid/probate queue, before anyone needs it to.</p>
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<div class="journey">
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
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<div class="step-body">
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<p class="step-title">Creates the family and sets jurisdiction</p>
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<p class="step-detail">Signs up, starts a family, picks Malaysia/Singapore/UK once in Settings — this quietly drives every legal note downstream.</p>
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<div class="touchpoints"><span class="tp">Auth</span><span class="tp">Family Switcher</span><span class="tp">Settings</span></div>
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</div>
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</div>
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
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<div class="step-body">
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<p class="step-title">Logs everything they own</p>
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<p class="step-detail">Property, cash, vehicles, business interests, digital assets — each with ownership share, then attaches proof (title, grant, cover note) for later verification.</p>
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<div class="touchpoints"><span class="tp">Assets</span></div>
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</div>
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</div>
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
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<div class="step-body">
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<p class="step-title">Sees the gap, not just the data</p>
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<p class="step-detail">Coverage Dashboard shows the exposed percentage; the recommendations list turns that into a specific next tab to open.</p>
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<div class="touchpoints"><span class="tp">Coverage</span><span class="tp">Faraid</span></div>
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</div>
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</div>
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
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<div class="step-body">
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<p class="step-title">Closes the gap with the right instrument</p>
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<p class="step-detail">Hibah for immediate lifetime gifts, Family Waqf for a dedicated corpus, Nomination Registry for EPF/Takaful/bank mandates/trusts/business continuity/digital custody.</p>
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<div class="touchpoints"><span class="tp">Hibah</span><span class="tp">Family Waqf</span><span class="tp">Nominate</span></div>
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</div>
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</div>
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
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<div class="step-body">
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<p class="step-title">Writes the discretionary third</p>
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<p class="step-detail">Bequests non-heirs within the one-third cap, generates a draft will document, and requests a professional's review before treating it as final.</p>
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<div class="touchpoints"><span class="tp">Wassiyah</span></div>
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</div>
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</div>
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
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<div class="step-body">
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<p class="step-title">Rounds out the picture</p>
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<p class="step-detail">Logs Takaful/insurance policies, runs the Zakat check, records a Khairat scheme membership and a shared emergency fund target, builds the family tree with photos, and sets up their own death-trigger attestors — though they can never fire their own trigger.</p>
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<div class="touchpoints"><span class="tp">Insurance</span><span class="tp">Zakat</span><span class="tp">Khairat</span><span class="tp">Tree</span><span class="tp">Trigger</span></div>
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</div>
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</div>
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
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<div class="step-body">
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<p class="step-title">Adds who to call, not just who inherits</p>
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<p class="step-detail">Tags trusted contacts by category — mosque, khairat officer, police, ambulance/hospital — with an email address, so the right people are notified automatically the moment a trigger fires, not just the heirs.</p>
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<div class="touchpoints"><span class="tp">Assets</span></div>
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</div>
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</div>
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
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<div class="step-body">
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<p class="step-title">Delegates</p>
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<p class="step-detail">Invites a mutawalli/agent and other adult family members, so the estate outlives any one person managing it alone.</p>
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<div class="touchpoints"><span class="tp">Family</span></div>
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</div>
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</div>
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div></div>
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<div class="step-body">
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<p class="step-title">Comes back for reasons that aren't death</p>
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<p class="step-detail">Logs daily Sadaqah and keeps a giving streak, checks prayer times and Qibla, reads Quran, and finds a nearby mosque or halal option — the same app, opened for entirely different reasons than the estate plan that brought them here.</p>
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<div class="touchpoints"><span class="tp">Sadaqah</span><span class="tp">Prayer Times</span><span class="tp">Qibla</span><span class="tp">Quran</span><span class="tp">Locate</span></div>
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</div>
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</div>
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</div>
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<div class="outcome"><span class="outcome-label">Outcome</span>A documented, mostly-covered estate with a trustee already in place, plus a reason to open the app on a day nothing in the estate changed.</div>
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</div>
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<!-- 2: MEMBER -->
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<div class="persona" style="--rail:#b4884a; --tag-bg:rgba(180,136,74,0.16); --tag-fg:#b4884a;">
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<div class="persona-head">
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<h2 class="persona-name">The Family Member</h2>
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<span class="persona-tag">Member</span>
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</div>
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<p class="persona-goal">Handle their own share of the estate planning without needing to run the whole family's affairs.</p>
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<div class="journey">
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
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<div class="step-body">
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<p class="step-title">Accepts an invite</p>
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<p class="step-detail">Joins a family the owner already created — no family of their own to set up.</p>
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<div class="touchpoints"><span class="tp">Pending Invites</span></div>
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</div>
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</div>
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
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<div class="step-body">
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<p class="step-title">Sees the shared estate, adds to it</p>
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<p class="step-detail">Views family-wide Assets, Hibah, and Nominations; can add assets and confirm another member's asset as a second witness — but can't manage who's in the family.</p>
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<div class="touchpoints"><span class="tp">Assets</span></div>
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</div>
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</div>
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
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<div class="step-body">
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<p class="step-title">Authors their own documents</p>
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<p class="step-detail">Their Wassiyah, Waqf, Insurance, Zakat, and Khairat membership are theirs alone — visible to the mutawalli for execution, invisible to other members. Can request a professional review of their Wassiyah and generate a jurisdiction-aware draft will.</p>
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<div class="touchpoints"><span class="tp">Wassiyah</span><span class="tp">Family Waqf</span><span class="tp">Insurance</span><span class="tp">Zakat</span><span class="tp">Khairat</span></div>
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</div>
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</div>
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
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<div class="step-body">
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<p class="step-title">Adds themselves to the tree</p>
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<p class="step-detail">Places themselves and their relatives in the family genealogy, with photos where they have them — and can dedicate Sadaqah in memory of a deceased relative right from that person's card.</p>
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<div class="touchpoints"><span class="tp">Tree</span><span class="tp">Sadaqah</span></div>
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</div>
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</div>
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div></div>
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<div class="step-body">
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<p class="step-title">Uses it like a daily companion, not just a filing cabinet</p>
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<p class="step-detail">Keeps a Sadaqah streak, checks prayer times and Qibla, reads Quran, and posts on the mosque neighbourhood board — all independent of whatever estate role they hold in this family.</p>
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<div class="touchpoints"><span class="tp">Prayer Times</span><span class="tp">Qibla</span><span class="tp">Quran</span><span class="tp">Neighbourhood</span></div>
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</div>
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</div>
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</div>
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<div class="outcome"><span class="outcome-label">Outcome</span>Their personal instruments exist under the family umbrella, isolated from everyone else's — and they have reasons to open the app that have nothing to do with the family estate at all.</div>
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</div>
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<!-- 3: MUTAWALLI -->
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<div class="persona" style="--rail:#b4884a; --tag-bg:rgba(180,136,74,0.16); --tag-fg:#b4884a;">
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<div class="persona-head">
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<h2 class="persona-name">The Estate Agent / Mutawalli</h2>
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<span class="persona-tag">Agent</span>
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</div>
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<p class="persona-goal">Execute what the family already planned, exactly when it's needed — and never for themselves.</p>
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<div class="journey">
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
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<div class="step-body">
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<p class="step-title">Accepts the mutawalli invite</p>
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<p class="step-detail">Joins with agent-level access; switches into this family from any others they already serve.</p>
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<div class="touchpoints"><span class="tp">Pending Invites</span><span class="tp">Family Switcher</span></div>
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</div>
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</div>
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
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<div class="step-body">
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<p class="step-title">Reviews each member's documents</p>
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<p class="step-detail">Picks a member from the chip list, reads their Wassiyah, Waqf, and insurance, and checks whether professional review has been requested or completed.</p>
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<div class="touchpoints"><span class="tp">Mutawalli</span></div>
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</div>
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</div>
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
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<div class="step-body">
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<p class="step-title">Sets up the trigger for that member</p>
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<p class="step-detail">Executor name, death certificate reference, two attestors who each confirm independently — never for the member who happens to be themselves.</p>
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<div class="touchpoints"><span class="tp">Mutawalli</span></div>
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</div>
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</div>
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|
<div class="step">
|
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<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
|
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<div class="step-body">
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<p class="step-title">Fires it — heirs and emergency contacts both get word</p>
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<p class="step-detail">Once both attestors confirm, fires the trigger. That single action automatically emails the tagged mosque/khairat/police/ambulance contacts, and a separate button sends the heir-notification email — real sends, not previews.</p>
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|
<div class="touchpoints"><span class="tp">Mutawalli</span><span class="tp">Trigger</span></div>
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</div>
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</div>
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<div class="step">
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<div class="step-rail"><div class="step-dot"></div></div>
|
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<div class="step-body">
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<p class="step-title">Works the execution packets</p>
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<p class="step-detail">Uses the per-asset packets generated for each covered instrument to actually carry out the transfer.</p>
|
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<div class="touchpoints"><span class="tp">Trigger</span></div>
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</div>
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</div>
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</div>
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<div class="outcome"><span class="outcome-label">Outcome</span>Acts with real authority over everyone else's plan and none over their own — enforced by the system, not just the UI.</div>
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</div>
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|
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<!-- 4: MULTI-FAMILY MUTAWALLI -->
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<div class="persona" style="--rail:#b4884a; --tag-bg:rgba(180,136,74,0.16); --tag-fg:#b4884a;">
|
|
<div class="persona-head">
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<h2 class="persona-name">The Professional Mutawalli</h2>
|
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<span class="persona-tag">Agent · multi-family</span>
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</div>
|
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<p class="persona-goal">Serve several unrelated families as their appointed trustee, without one family ever seeing another's affairs.</p>
|
|
<div class="journey">
|
|
<div class="step">
|
|
<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
|
|
<div class="step-body">
|
|
<p class="step-title">Holds the same role across families</p>
|
|
<p class="step-detail">Accepts separate agent invites from each client family, all under one login.</p>
|
|
<div class="touchpoints"><span class="tp">Family Switcher</span></div>
|
|
</div>
|
|
</div>
|
|
<div class="step">
|
|
<div class="step-rail"><div class="step-dot"></div></div>
|
|
<div class="step-body">
|
|
<p class="step-title">Switches, executes, switches again</p>
|
|
<p class="step-detail">Every action — trigger status, attestor count, review state — is scoped to the active family and the specific member, so firing one client's trigger can never touch another's, even if the same person happens to belong to both.</p>
|
|
<div class="touchpoints"><span class="tp">Mutawalli</span></div>
|
|
</div>
|
|
</div>
|
|
</div>
|
|
<div class="outcome"><span class="outcome-label">Outcome</span>One professional, many clients, zero cross-contamination — the case this app's data model was specifically hardened for.</div>
|
|
</div>
|
|
|
|
<!-- 5: HEIR -->
|
|
<div class="persona external" style="--rail:#4e7a6e;">
|
|
<div class="persona-head">
|
|
<h2 class="persona-name">The Heir / Beneficiary</h2>
|
|
<span class="persona-tag">No account</span>
|
|
</div>
|
|
<p class="persona-goal">Find out what was left to them, without needing to have planned any of it themselves.</p>
|
|
<div class="journey">
|
|
<div class="step">
|
|
<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
|
|
<div class="step-body">
|
|
<p class="step-title">Named, not signed up</p>
|
|
<p class="step-detail">A family member enters their email against a Wassiyah bequest or a Waqf beneficiary — the heir never touches the app at this point, or maybe ever.</p>
|
|
<div class="touchpoints"><span class="tp">Wassiyah</span><span class="tp">Family Waqf</span></div>
|
|
</div>
|
|
</div>
|
|
<div class="step">
|
|
<div class="step-rail"><div class="step-dot"></div></div>
|
|
<div class="step-body">
|
|
<p class="step-title">Gets one email, once</p>
|
|
<p class="step-detail">After the mutawalli confirms death and fires the trigger, an email lands in their inbox — sent through the app's own mail relay, not a third-party marketing tool.</p>
|
|
<div class="touchpoints"><span class="tp">notify-heirs</span></div>
|
|
</div>
|
|
</div>
|
|
</div>
|
|
<div class="outcome"><span class="outcome-label">Outcome</span>Learns what's theirs at the moment it matters, with no account to forget the password to.</div>
|
|
</div>
|
|
|
|
<!-- 6: EMERGENCY / COMMUNITY CONTACT -->
|
|
<div class="persona external" style="--rail:#4e7a6e;">
|
|
<div class="persona-head">
|
|
<h2 class="persona-name">The Emergency / Community Contact</h2>
|
|
<span class="persona-tag">Mosque · Khairat · Police · Ambulance · No account</span>
|
|
</div>
|
|
<p class="persona-goal">Find out a death has happened the moment it's confirmed — without being on any heir list at all.</p>
|
|
<div class="journey">
|
|
<div class="step">
|
|
<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
|
|
<div class="step-body">
|
|
<p class="step-title">Tagged, not invited</p>
|
|
<p class="step-detail">A family member adds them to Trusted Contacts with a category — mosque, khairat officer, police, ambulance/hospital — and an email address. Nothing is sent yet.</p>
|
|
<div class="touchpoints"><span class="tp">Assets</span></div>
|
|
</div>
|
|
</div>
|
|
<div class="step">
|
|
<div class="step-rail"><div class="step-dot"></div></div>
|
|
<div class="step-body">
|
|
<p class="step-title">One automatic email, the moment the trigger fires</p>
|
|
<p class="step-detail">No manual step from the mutawalli required — firing the trigger auto-sends this notice alongside the heir email, so the khairat process and burial logistics can start without someone remembering to make a phone call.</p>
|
|
<div class="touchpoints"><span class="tp">notify-emergency-contacts</span></div>
|
|
</div>
|
|
</div>
|
|
</div>
|
|
<div class="outcome"><span class="outcome-label">Outcome</span>The people who need to act fastest — the mosque, the khairat officer, emergency services — hear it automatically, not secondhand.</div>
|
|
</div>
|
|
|
|
<!-- 7: PROFESSIONAL REVIEWER -->
|
|
<div class="persona external" style="--rail:#4e7a6e;">
|
|
<div class="persona-head">
|
|
<h2 class="persona-name">The Professional Reviewer</h2>
|
|
<span class="persona-tag">Lawyer / consultant · no account</span>
|
|
</div>
|
|
<p class="persona-goal">Give a real legal opinion on a draft before a family relies on it — without the app pretending to replace them.</p>
|
|
<div class="journey">
|
|
<div class="step">
|
|
<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
|
|
<div class="step-body">
|
|
<p class="step-title">Contacted outside the app</p>
|
|
<p class="step-detail">A family member marks their Wassiyah "review requested" and reaches out directly — no in-app marketplace or booking.</p>
|
|
<div class="touchpoints"><span class="tp">Wassiyah</span></div>
|
|
</div>
|
|
</div>
|
|
<div class="step">
|
|
<div class="step-rail"><div class="step-dot"></div><div class="step-line"></div></div>
|
|
<div class="step-body">
|
|
<p class="step-title">Reviews the actual draft</p>
|
|
<p class="step-detail">Reads the generated will document — clearly watermarked as a draft, not a claim of legal validity — with jurisdiction-specific notes already flagging what execution requires.</p>
|
|
<div class="touchpoints"><span class="tp">Draft will PDF</span></div>
|
|
</div>
|
|
</div>
|
|
<div class="step">
|
|
<div class="step-rail"><div class="step-dot"></div></div>
|
|
<div class="step-body">
|
|
<p class="step-title">Sign-off gets recorded</p>
|
|
<p class="step-detail">The family member marks it "reviewed" with the reviewer's name — visible to the mutawalli from then on.</p>
|
|
<div class="touchpoints"><span class="tp">Wassiyah</span><span class="tp">Mutawalli</span></div>
|
|
</div>
|
|
</div>
|
|
</div>
|
|
<div class="outcome"><span class="outcome-label">Outcome</span>A real professional opinion, tracked as a visible status — the app hands off, it doesn't substitute.</div>
|
|
</div>
|
|
|
|
</div>
|
|
|
|
<div class="footnote">
|
|
<h2>People in the tree who never log in</h2>
|
|
<p>Grandparents, deceased relatives, young children — most nodes in a real family tree have no account and never will. Anyone with access adds them as a lightweight person record with a name, dates, and an optional photo, and can link them to a real account later if one gets created. They're a data subject in this app, not a user of it.</p>
|
|
</div>
|
|
|
|
<div class="footnote">
|
|
<h2>Neighbourhood is a different circle than "family"</h2>
|
|
<p>Every persona above operates inside one estate-planning family. The Neighbourhood board doesn't — it's scoped to the individual account, joined by a code shared at the mosque, and completely independent of which family (or families, for a professional mutawalli) that person belongs to. The same signed-in person can be the Head of Family in one context and just another voice on the community board in another, with no data crossing between the two.</p>
|
|
</div>
|
|
|
|
</div>
|
|
</body>
|
|
</html>
|