All perfect praise be to Allah, the Lord of the worlds. I testify that there is none worthy of worship except Allah and that Muhammad, sallallaahu ʻalayhi wa sallam, is His slave and Messenger.
We cannot pass judgment on these commercial laws and declare them permissible or prohibited because we have not read their texts and the articles and conditions which they include. It seems to us that you suffer from Waswasah (obsessive whisperings) about disbelief, as your previous questions indicate. Therefore, we advise you to fear Allah and refrain from getting carried away with such Waswasah. You should know that the basic principle is that all transactions are lawful unless proven otherwise, so do not make things difficult for yourself, and do not waste your time and ours with such questions.
Allah knows best.