Is it permissible to deal with the company (My Seven Diamonds), which relies on network marketing to sell diamonds, where the subscriber pays an initial amount and receives a commission for each new subscriber who joins through him, with options for withdrawal or partial refund in certain cases, and the possibility of owning the diamond after completing certain cycles?

The answer summarizes the ruling on this company as follows:

1. If the diamond is not handed over to the buyer until full payment is made, then the contract is a sale of debt for a debt, which is forbidden (haram).

2. A 25% deduction upon refund is permissible if the cancellation is a new contract, provided the transaction was valid and the diamond was delivered and not a debt.

3. If they oblige the withdrawing party to purchase another diamond, this is not permissible because it falls under the category of a sale with a condition, which is forbidden.