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I have a female servant at my home when My parents go away I am alone with her I know it is khalwa but if I stay in my room with my door locked then is it khalwa and if it is 2 male Like me and my dad and it is her then is it still khalwa

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Is it permissible to refer a non muslim to an insurance or business financing company and earn commission? The person i am referring is non muslim living in non muslim country, the insurance or financing company is owned and managed by non muslim in non muslim country.