Partner Record: what our rules have done to the providers that pay us

Who is ranked first in each category

The first-ranked provider in every graded category in the United States, whether it pays us, and who would be first if editorial points were removed from every provider.

Of 8 categories: a provider that pays us today is ranked first in 5, a provider whose agreement has ended or has not started yet in 1, and a provider with no agreement with us in 2. A table cannot tell you which came first, the rank or the payment. That is why the rubric, the inputs behind each grade, and the rank without editorial points are all published: so you can check instead of taking our word.

Every paying provider, grade by grade

Rank is the provider's position among every graded provider in the category, paying or not. “Without editorial points” is the grade and rank on the rubric and verification alone. The verification penalty is the points currently deducted because the provider has not confirmed its data on the 30-day cycle.

Agreements that have ended: Manzil (ended November 10, 2026). These providers pay nothing today and carry no Featured label. Their grades are computed like everyone else's.

Editorial points: every award, and who holds it

4 of the 100 points in a grade are editorial points. The editor may award them for a documented product benefit the rubric cannot measure, and the rule requires a published reason for each award. They can only add, never subtract. They are the one part of a grade that is a judgment, so this is where a commercial relationship would show up if it ever leaked into grading. The reason we published is printed under each award, word for word, so you can judge whether it meets that rule.

Read this plainly: the only provider that holds editorial points in the United States today pays HalalWallet. No provider without an agreement with us, past or present, holds any. The points change a rank in 1 of 1 case and a letter grade in 0. If you would rather set editorial judgment aside, use the “without points” column: it is the grade and rank on the published rubric and verification alone.

Penalties in force on paying providers

None today. No paying provider in the United States has a verification deduction or a data flag on an approved grade. When one does, it appears here automatically, because this list is computed and not written.

The deduction schedule and the flags are the same for every provider and are published on the HalalWallet Index page.

The trust veto

A severe trust failure cannot be offset by a strong score elsewhere. When one is documented, the provider's HalalWallet Index grade is withheld in every category, whatever its point total, until the failure is resolved.

The Index adds points across pillars. Without a veto, a provider could lose every Shariah integrity point and still hold a respectable grade on cost, coverage and track record. The veto closes that gap.

What triggers it

1. 1. A Shariah oversight claim that is false or withdrawn

   The certifier, board or scholar a provider names says in public that it does not review the product, or withdraws its certificate, and the provider publishes no replacement.

2. 2. A final regulatory or court finding of consumer harm

   A final order, consent order or judgment from a financial regulator or a court for deception, misuse of customer money or unlicensed activity. Open complaints, allegations and lawsuits that have not concluded do not trigger the veto.

3. 3. Customer money at risk

   Insolvency, receivership, or a documented and continuing failure to honor withdrawals or contracts.

4. 4. False information given to HalalWallet

   A provider confirms data through the provider portal that its own published documents show to be false, and does not correct it when asked.

What happens

• The Index letter grade is removed in every category. Comparison tables, state pages, product pages and the provider's profile show "Grade withheld" in its place; smaller modules show no grade for that provider.
• The provider is no longer ranked by its grade anywhere: default order, match results and top-provider modules treat it as ungraded.
• The provider stays listed. Its profile shows the reason, the date and the public source, because removing the listing would hide the problem from the people who most need to see it.
• The veto, and the day it is lifted, are entered in the public veto log on the Partner Record page and in the Corrections log.
• Paying HalalWallet changes none of this. The same rule and the same log apply to every provider.

The evidence we require

Every veto must cite a public source: a regulator's order, a court record, or a statement published by the certifier, scholar or provider concerned. Reader reports, news stories and anything said to us in private can start a review. They cannot apply a veto.

How a veto is lifted

A veto is lifted when a public source shows the failure is resolved: a new certificate, a satisfied or vacated order, corrected data. The grade is then recomputed from current data. The original entry stays in the log.

Veto log

The log is empty. Since the rule took effect on November 13, 2026, no veto has been applied to any provider, paying or not. An empty log means no public source has met the evidence bar above. It is not a statement that every provider is sound.

Corrections and changes that touched paying providers

• 2026-11-13

  Pick labels with no published reason removed; 'Top Pick' on investing now depends on the Index grade

• 2026-11-13

  Canada: editorial points removed from IjaraCDC and Manzil; three IjaraCDC letter grades are lower

• 2026-11-12

  Google ratings removed from HalalWallet's structured data

• 2026-09-09

  IjaraCDC minimum credit score corrected: 580 to 500

• 2026-08-24

  IjaraCDC provider-verified facts published

• 2026-07-10

  Guidance Residential accuracy edits; 30-day provider re-verification documented

Entries are taken from the public corrections log, where each has its full explanation. A correction is never held back because it concerns a provider that pays us.

What this record does not show

• Amounts. We name every provider that pays and what it pays for on How We Make Money, but not the price of each agreement.
• Grade history before version 1.0. This page reports the current state from live data. We did not keep a dated log of each grade change before November 13, 2026, and we have not reconstructed one.
• Motive. A table can show that a paying provider ranks first. It cannot show why. The rubric, the inputs and the “without editorial points” column are published so you can form your own view.

Change history: Partner Record

Partner Record is part 6 of the HalalWallet Trust Standard, version 1.0. These are the dated changes to this part. The history of the whole standard is on the overview page.

1. 2026-11-13Version 1.0

   One standard, one version number

   • The Independence Charter, the verification method, the HalalWallet Index, the Halal Transparency Score, the who-pays list, the Editorial Policy and the corrections log became numbered parts of one HalalWallet Trust Standard with a shared header, a version number and this change history.
   • The Halal Transparency Score is no longer described as a trust standard of its own. It is a score inside the standard.
   • New rule: the trust veto. A documented severe trust failure removes a provider's Index grade in every category, whatever its point total, until the failure is resolved.
   • New part: the Partner Record, which shows the grade, rank, penalties, corrections and editorial points of every provider that pays HalalWallet.
   • Every row in comparison tables, state pages and match results now says whether that provider pays HalalWallet.
   • Index grades are labeled on the badge itself: editorial grade, not a fatwa, not a customer rating.
   • One statement of what HalalWallet is and is not replaces the separate not-a-lender and not-a-fatwa notices.
   • Charter article 5 was corrected: an optional introduction form passes your details to the providers you name on it. The earlier text said no personal details were collected or shared.
   • The who-pays list is generated from the record that controls the Featured label. Featured labels were removed from two investing providers whose agreements had ended, and an affiliate code was removed from links to a stock-screening provider that had no agreement.