We would like a fatwa on the permissibility of the perennial 'umrah project which offers the possibility of performing 10 'umrah trips over a period of ten years for each participant.

The project aims to facilitate the trip for Muslims by offering the lowest prices possible for both hajj and 'umrah. Clients pay a monthly installment of 70 SR (or the equivalent of 100 LE) to perform 'umrah every year. The contract is effective from 2010 and clients pay monthly installments for each year until 2020. 'Umrah journeys start from the beginning of 2013 through to 2023.

A client may revoke the contract at any time, in which case he recovers all the money he has previously paid, even the expenses for his last 'umrah trip. The company deducts 20% as administrative fees.

Benefits of the program:

-The client is entitled to include any name in the program.
-The client is entitled to postpone one year's trip to the following year and bring someone with him on the next year's 'umrah.
- The client is entitled to postpone his 'umrah for any number of years and bring others with him (corresponding to the number of years postponed) on these trips.
 

Organized hajj and 'umrah trips, the expenses of which are pre-determined and agreed upon by both parties, are merely an agreement over a benefit or over the benefit from an item and this is legally permissible. Such services take the same ruling for a commodity which may be either paid for in cash or in installments, by either putting down a deposit or not, and with either an increase in price for paying in installments or not. In such a case, it is permissible to include a third party for funding, agency, or brokerage purposes. It is likewise permissible for the funding party to pay in cash and receive the price from the client in installments with an increase in price in exchange for deferment.

In such a case as when the contract is revoked, the money is returned to the client who recovers the installments he has paid but did not benefit from. There is no objection if the two parties agree that the service provider keep a determined sum in exchange for its services, either as administrative fees or otherwise.

The ruling

This project, as described in the question, is lawful and there is no objection to participating in it.