Privacy policy

Halal Cash Ltd is a company registered in England and Wales (company no. 00000000) with its registered office at 1 Principle Street, London EC2A 0AA, United Kingdom. We have prepared this privacy policy to explain how we collect, use, store, share and protect your personal data when you visit www.halalcash.com ("our website") or use the Halal Cash app. We are committed to protecting and respecting your privacy.

This policy, together with our Terms of service, sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed. Please read it carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting our website or using our services, you accept and consent to the practices described below.

This policy covers personal data collected from individuals and businesses browsing our website, applying for an account or otherwise interacting with us. Depending on the products you use, you may be asked to agree to additional terms.

You may give us information about yourself by filling in forms on our website or in the app, or by contacting us by phone, e-mail or chat. This includes information you provide when you apply for an account, subscribe to our newsletter, take part in research, or report a problem with our services.

The information you give us may include your name, date of birth, residential address, e-mail address and phone number, identity documents required for verification, details of your business, and records of your correspondence with us.

With regard to each of your visits to our website or the app we may automatically collect:

• Technical information, including the IP address used to connect your device to the internet, browser type and version, time-zone setting, operating system and platform.
• Information about your visit, including the pages you viewed and how you interacted with them, page response times, the duration of your visit, and the way you navigated to and away from a page.

Our website uses cookies to distinguish you from other visitors, remember your preferences and help us improve the experience we offer. Detailed information about the cookies we use and the purposes for which we use them is set out in our Cookie policy.

We use information held about you to operate Halal Cash responsibly and in line with our principles.

We never sell your personal data, and we never use it to profile you for interest-bearing products.

Information you provide to us is used to:

• Provide you with the accounts, cards and payment services you request.
• Verify your identity and carry out the checks required by anti-money-laundering and counter-terrorist-financing regulations.
• Carry out our obligations arising from any agreements entered into between you and us.
• Notify you about changes to our services, terms and policies.
• Respond to your questions and resolve complaints.
• Send you our newsletter and product updates, where you have asked us to.
• Meet our regulatory and Sharia-governance reporting obligations.
• Keep our services safe and prevent fraud and misuse.

Information we collect automatically is used to:

Administer and improve our website and app, including:

• Troubleshooting, data analysis, testing, research and statistical purposes.
• Improving navigation so that content is presented in the most effective manner for your device.
• Allowing you to participate in interactive features of our services when you choose to do so.
• Keeping our website and app safe and secure.
• Measuring the effectiveness of the content we publish.

We may share your personal information with selected third parties only where this is necessary to provide our services or where we are required to do so by law. Every partner we work with is bound by contractual obligations to keep your data confidential and to use it only for the purposes for which it was shared.

Those third parties may include:

• Our licensed banking and payment partners who hold and safeguard customer funds.
• Suppliers who help us verify identities, prevent fraud and meet anti-money-laundering obligations.
• Professional advisers, auditors and members of our independent Sharia Supervisory Board, where required for certification of our products.
• Analytics providers that help us understand how our website and app are used.

We may also disclose your personal information:

• If we are under a duty to disclose it in order to comply with a legal obligation, a court order or a request from a regulator or law-enforcement agency.
• In connection with a sale, merger or reorganisation of our business, in which case the recipient will be bound by this policy.
• In order to enforce or apply our Terms of service and other agreements, or to protect the rights, property or safety of Halal Cash, our customers or others.

The data that we collect from you is stored on secure servers located in the United Kingdom and the European Economic Area. Where a transfer outside these territories is necessary, we ensure an equivalent level of protection through recognised safeguards such as standard contractual clauses. All data is encrypted in transit and at rest, and access is restricted to employees who need it to do their job.

We keep your personal data for as long as your account is active and afterwards for the periods required by financial-services regulation, after which it is securely deleted or anonymised.

You have the right to ask us to access, correct or erase your personal data, to restrict or object to its processing, to receive it in a portable format, and to withdraw any consent you have given at any time. We will act on a valid request without undue delay and in any case within the timeframes required by law.

If you are unhappy with the way we handle your personal data, you can complain to us at privacy@halalcash.com or lodge a complaint with the Information Commissioner’s Office (ICO), the UK supervisory authority for data-protection issues.

You may request a copy of the information we hold about you at any time. To protect your data we may first ask you to confirm your identity. We will provide the information free of charge and within one month of receiving a valid request, unless the request is manifestly unfounded or excessive.

Any changes we make to our privacy policy in the future will be posted on this page and, where the changes are material, notified to you by e-mail or in the app. Please check back frequently to see any updates. The date of the latest revision is shown at the top of this page.

If you have any questions regarding this privacy policy, please do not hesitate to address them to privacy@halalcash.com.