Disclosure

1. Accuracy of Information

HalalWallet strives to keep product information accurate and up to date. However, this information may be different from what you see when you visit a financial institution or service provider. All products and services are presented without warranty.

2. No Religious Certification

At HalalWallet, we understand how important trust and transparency are when you’re making financial decisions that align with your faith. That’s why we do our best to gather and present information directly from providers who market their products as halal or Shariah-compliant.

HalalWallet does not issue halal certifications or religious rulings. Instead, we highlight what's publicly available from each provider, often reflecting the work of their own scholars and Shariah boards. To help users compare providers, we display a “Shariah Oversight” label (Formal Board / Third-Party Certified / Named Scholar / No Public Review / Not Applicable) based on publicly available provider disclosures at the time of review.

Our goal is to make this information easier to access, compare, and understand — while encouraging you to review details with the provider and, if needed, seek personal religious guidance.

3. Not a Financial Institution

HalalWallet is not a bank, credit union, lender, insurer, investment adviser, mortgage broker, loan originator, or settlement agent. We do not originate or service loans, accept deposits, sell insurance, provide investment advice, or perform settlement services for your transaction.

4. No Endorsement or Liability

HalalWallet makes no guarantees regarding the accuracy, completeness, or ongoing halal status of any product. All financial decisions are the responsibility of the user.

5. Regulatory Note

HalalWallet does not engage in activities requiring registration or licensing with banking, securities, or insurance regulators. We publish how referral and sponsorship compensation works on How We Make Money and this page; we do not represent that we originate mortgage loans or provide regulated settlement services on your behalf.

6. Images & Illustrations

Images are for illustrative purposes only.

7. Partnerships, Referrals & Advertising

HalalWallet may earn compensation through (a) referral or affiliate arrangements when users leave our site to visit financial institutions, (b) clearly labeled “Featured” sponsorship in designated hub modules (for example, top-provider sections on category pages), and (c) other sponsor or listing programs offered to providers. Depending on the written agreement with a given provider, compensation may include fees tied to qualified outbound clicks (measured using our internal analytics, with deduplication and filtering of non-human traffic), fixed or recurring sponsorship fees for Featured badge and placement, and—in some financing categories—additional fees when referred financing is funded and disbursed as confirmed by the provider. For non-lending partners (for example legal templates, wills, trusts, or estate-planning services), compensation may instead be tied to completed purchases attributed through referral links, codes, or similar identifiers—sometimes calculated as a percentage of net revenue after agreed deductions (such as customer discounts, refunds, sales taxes, or payment-processing costs) and measured over an agreed attribution period. A partner may also offer a promotional discount on purchases by referred users; that is funded and controlled by the partner according to its terms. Exact commercial terms vary by provider and contract; we do not publish contract line items or pricing schedules on this site—only categories of relationships so you can understand our incentives.

Partner economics are deliberately modest relative to typical rates for comparable financial listings and lead programs—we aim for sustainability for the platform, not maximizing revenue per click. Those partnerships exist so we can keep HalalWallet free for visitors, pay for ongoing research and verification, and continue building toward a U.S. Islamic finance experience that is as standardized, transparent, and easy to compare as conventional finance.

Commercial arrangements do not make HalalWallet the lender or broker for your deal. Provider agreements reserve editorial and presentation discretion to us (for example, how lists are labeled and ordered outside of paid Featured modules). Nothing on this site is an exclusive endorsement of one provider over another for your situation—you should compare options and confirm eligibility and pricing with the lender or service provider.

We are not a mortgage broker, loan originator, or settlement agent for your transaction. We provide educational comparisons and links so you can evaluate options yourself; any application or credit decision happens directly between you and the provider. Referral fees, where they apply, are typically paid from the provider's marketing budget and should not increase the price you pay versus arriving at the provider independently—always confirm terms on the provider's official paperwork.

When you leave our site for a provider, that provider's privacy policy and terms govern how they collect and use your information for applications and accounts.

Mortgage loans can involve specialized federal and state rules about referrals, fees, and disclosures that depend on the parties and transaction. HalalWallet does not perform settlement services on your behalf. Loan pricing and legally required disclosures come from your lender—verify them on official estimates and closing documents.

Home-financing carve-out. Because home loans are a sensitive category, paid “Featured” status does not determine ranking or order on home-financing hub pages, state pages, or top-provider modules. On those surfaces, listings are presented on the basis of our published methodology—Shariah oversight, state availability, structure, ratings, and data completeness—not on whether a provider has a commercial relationship with us. A “Featured” badge, if shown, signals that material connection so you can evaluate it; it does not move provider position.

No required use. You are never required to use any provider listed on HalalWallet, including any partner. You can compare options here and then apply directly with any institution you choose. We do not condition access to information, calculators, or recommendations on choosing a partner.

No personal-information handoff to lenders. Our matching, comparison, and quiz tools collect general preferences only (need category, state, basic priorities). We do not collect your name, email address, phone number, Social Security Number, income, credit score, or other identifying or financial information, and we do not sell, share, or hand off personal data to lenders or other providers. When you click an outbound link, you go directly to the provider's own site; the link carries only generic non-identifying campaign tags (category, provider name, page placement, state). HalalWallet does not function as a lead generator for mortgage or home-lending providers.

Featured labeling on home-financing surfaces. Where a paid partner appears in a home-financing top-picks module, their card is marked “Featured” as a material-connection disclosure—the same convention used by major financial-comparison publishers. The badge does not influence the order in which providers are shown on home-financing surfaces; ordering is methodology-only there.

What HalalWallet actually does for providers. Partnership and advertising programs purchase a defined services bundle from us at posted positioning—provider profile maintenance, structured data verification, category research, content updates, brand visibility within labeled advertising modules, attribution reporting, and ongoing methodology coverage. We perform these services regardless of whether a consumer ultimately transacts with the partner, and we do not perform any of the services that a settlement-service provider performs in a federally related mortgage transaction (we are not a lender, broker, originator, processor, underwriter, appraiser, title company, or settlement agent). For the full description of the services we render, see How We Make Money.

For how editorial evaluations relate to monetization, see our Editorial Policy, How We Make Money, and Methodology.

8. Educational Mission

Islamic finance in the U.S. has historically been harder to navigate than conventional finance—structures vary, documentation differs, and terminology is uneven. HalalWallet exists to standardize transparent comparisons (where data allows), cite Shariah oversight clearly, and present choices in plain language—the same clarity consumers expect when shopping conventional banks, brokers, and lenders.

Sustainable revenue keeps this work independent and continuously updated: disclosed partnerships, priced with mission over margin, fund hosting, editorial verification, and research so we do not have to charge Muslim households for tools and comparisons.