Legal Information for Halal Home UK

This page sets out the key legal information relating to your use of HalalHome UK, including our Terms and Conditions and our Privacy Policy for Islamic home finance and related services in the United Kingdom.

Important: The information on this page does not constitute legal, financial, tax or Shariah advice. You should seek independent professional advice before entering into any Islamic mortgage or home finance arrangement.

Last updated: 21 February 2026

Terms and Conditions

1. About HalalHome UK

HalalHome UK ("we", "us", "our") provides information and, where applicable, introductions to Islamic home finance solutions in the United Kingdom, including but not limited to diminishing musharakah, ijara-based products, and other Shariah-compliant home purchase plans. We may operate as an intermediary, introducer or digital platform depending on the specific service described on our website or application.

We do not ourselves provide regulated mortgage contracts. Any Islamic mortgage or home finance product you enter into will be subject to the terms and conditions of the relevant UK-authorised provider or financial institution.

2. Eligibility and jurisdiction

Our services are intended for residents of the United Kingdom in relation to properties located in the United Kingdom. By using our website or services, you confirm that you are at least 18 years old and legally capable of entering into binding agreements in the UK.

Nothing on our website constitutes a solicitation to offer services or products in any jurisdiction where such offer or solicitation would be unlawful.

3. Nature of information and no advice

The content on our website and any communications from us are provided for general information purposes only. While we endeavour to ensure that information is accurate and up to date, it may not take account of your individual circumstances, objectives, or financial position.

We do not provide personalised investment, tax, legal, or Shariah rulings. You should obtain independent advice from appropriately qualified professionals, including from a recognised Shariah scholar or board if you require a specific religious opinion on any product or structure.

4. Shariah compliance

We may work with providers whose products have been reviewed or certified by recognised Shariah scholars or Shariah supervisory boards. Any statements relating to Shariah compliance are based on information supplied by those providers and/or their Shariah advisors. We do not provide an independent Shariah certification and cannot guarantee the ongoing Shariah status of any product.

Shariah opinions may differ between scholars and schools of thought. You are responsible for ensuring that any Islamic home finance product you enter into meets your personal religious and ethical requirements.

5. Use of our website and platform

You agree to use our website and any online tools lawfully and only for the purposes for which they are intended. You must not attempt to compromise the security, availability, or integrity of our systems, nor may you use our platform to transmit unlawful, offensive, or misleading content.

We may suspend or terminate access to our services at any time where we reasonably believe there has been a breach of these Terms, misuse, or fraudulent activity, or for technical or operational reasons.

6. Introductions and third-party providers

Where we introduce you to or connect you with a third-party Islamic home finance provider, that provider is responsible for explaining the features, risks, fees and charges associated with any product they offer you. Your relationship with that provider will be governed by their own terms and conditions, and they will be responsible for any regulated advice or recommendations (if applicable).

We are not responsible for any loss or damage you may suffer as a result of your dealings with third-party providers, unless required by applicable law. You should carefully review the documentation and disclosures provided by those institutions before proceeding.

7. Fees, commissions and conflicts of interest

We may receive fees or commissions from Islamic home finance providers when we introduce customers or when a finance agreement is completed. Where required by law or regulation, we will disclose the nature of our remuneration to you. We take reasonable steps to identify and manage any conflicts of interest, but you should be aware that commercial relationships may influence which providers or products we present on our platform.

8. Intellectual property

All content, branding, design, text, graphics, and software on our website are owned by us or our licensors and are protected by copyright, trade mark and other intellectual property rights. You may view and print pages for your personal use only. You must not copy, reproduce, modify, distribute, or exploit any part of our website for commercial purposes without our prior written permission.

9. Limitation of liability

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded under UK law. Subject to this, we will not be liable for any loss of profits, loss of business, loss of data, or any indirect or consequential losses arising out of or in connection with your use of our website or services.

We do not guarantee that our website will be uninterrupted or error free, or that it will always be free from viruses or other harmful components. You are responsible for using appropriate virus protection software and for verifying any information before relying on it.

10. Changes to these Terms

We may update these Terms and Conditions from time to time, for example to reflect changes in law, regulation, or our services. The updated version will be indicated by the "Last updated" date at the top of this page. By continuing to use our website or services after changes have been made, you agree to be bound by the revised Terms.

11. Governing law and disputes

These Terms and any dispute or claim arising out of or in connection with them are governed by and construed in accordance with the laws of England and Wales. The courts of England and Wales will have exclusive jurisdiction, except that if you are a consumer resident in another part of the UK you may also bring proceedings in your local courts.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

Privacy Policy

This Privacy Policy explains how HalalHome UK collects, uses, discloses and protects your personal data when you use our website, platform and related services in connection with Islamic home finance in the United Kingdom. We are committed to protecting your privacy and complying with applicable data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

1. Who we are and contact details

For the purposes of data protection law, HalalHome UK is the "data controller" in respect of the personal data we collect about you through this website and our platform. Our full legal entity details and registered address will be set out in your service documentation or can be obtained by contacting us using the details provided on our contact page.

If you have any questions about this Privacy Policy or how we handle your personal data, you can contact us using the contact details on our website. Please mark your query for the attention of the Data Protection Officer (if applicable).

2. Types of personal data we collect

The personal data we may collect and process about you includes:

  • Identity data – such as your name, title, date of birth and, where relevant, identification details.
  • Contact data – including your address, email address, telephone number and communication preferences.
  • Financial data – such as income, employment status, savings, liabilities, credit history information (where provided to us), and affordability details relevant to Islamic home finance assessments.
  • Property data – information about the property you wish to purchase, refinance or occupy (for example, location, value, type and intended use).
  • Usage data – information about how you interact with our website and services, including log data, IP address, device identifiers, browser type, pages viewed, and referral URLs.
  • Marketing and communications data – your preferences in receiving marketing from us and your communication preferences.
  • Special category data – in limited cases, information which may indirectly reveal your religious beliefs where you indicate a preference for Shariah-compliant products. We only process such data where necessary and lawful, and with appropriate safeguards.

3. How we collect your data

We collect personal data about you from various sources, including:

  • Information you provide directly – for example when you complete an enquiry form, create an account, use our eligibility tools, speak to us by phone, email or chat, or take part in surveys.
  • Information from third parties – such as Islamic finance providers, credit reference agencies, fraud prevention agencies, and other intermediaries (where lawful and relevant to your application).
  • Automatically collected data – including cookies and similar technologies used to understand how you use our website and to improve our services.

4. Purposes and legal bases for processing

We process your personal data for the following purposes and on the following legal bases:

  • To provide and manage our services – including assessing your needs, helping you explore Islamic home finance options, and facilitating introductions to providers. Legal basis: performance of a contract or steps taken at your request prior to entering into a contract.
  • To comply with legal and regulatory obligations – for example anti-money laundering checks, fraud prevention, record-keeping and responding to requests from regulators. Legal basis: compliance with a legal obligation.
  • To protect our legitimate interests – such as improving our products and services, monitoring website usage, managing risk, and defending legal claims. Legal basis: our legitimate interests, balanced against your rights and freedoms.
  • For marketing and communication – to send you information about Islamic home finance content, offers or events that may interest you, where permitted. Legal basis: your consent or our legitimate interests, depending on the channel and your relationship with us.
  • To process any special category data – such as information revealing your religious beliefs through your explicit interest in Shariah-compliant products. Legal basis: your explicit consent, or where necessary for legal claims or substantial public interest as permitted by law.

5. Sharing your personal data

We may share your personal data with the following categories of recipients, where lawful and appropriate:

  • Islamic home finance providers and other financial institutions, where you have asked us to make an introduction or where necessary to process your enquiry or application.
  • Service providers who support our business operations, such as IT hosting, analytics, communications platforms, and professional advisers, subject to appropriate confidentiality and data protection obligations.
  • Credit reference agencies and fraud prevention agencies, where required in connection with eligibility or identity checks (typically by the provider, but in some cases via us).
  • Regulators, law enforcement bodies, courts or other third parties, where necessary to comply with legal or regulatory obligations or to protect our rights, customers or the public.
  • Other parties in connection with a corporate transaction, such as a merger, acquisition or sale of business assets, where permitted by law.

6. International transfers

In some cases, your personal data may be transferred to and processed in countries outside the UK that may have different data protection standards. Where we do so, we will ensure that appropriate safeguards are in place, such as UK-approved standard contractual clauses or transfers to countries recognised as providing an adequate level of protection, in accordance with applicable law.

7. Data retention

We keep your personal data only for as long as necessary to fulfil the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, accounting, or reporting requirements. In determining appropriate retention periods, we consider the amount, nature and sensitivity of the data, potential risk of harm from unauthorised use or disclosure, the purposes for which we process it, and applicable legal requirements.

8. Your rights under data protection law

Subject to certain conditions and exceptions, you have the following rights in relation to your personal data:

  • Right of access – to obtain a copy of your personal data and information about how we process it.
  • Right to rectification – to have inaccurate or incomplete data corrected.
  • Right to erasure – to request deletion of your data in certain circumstances (also known as the "right to be forgotten").
  • Right to restriction – to request that we limit the processing of your data in certain situations.
  • Right to data portability – to receive your data in a structured, commonly used format and to transmit it to another controller, where technically feasible.
  • Right to object – to object to processing based on our legitimate interests or for direct marketing purposes.
  • Rights in relation to automated decision-making and profiling – to request human review of significant decisions made solely by automated means, if applicable.

You also have the right to withdraw consent at any time where we rely on your consent to process your personal data (for example, for certain types of marketing or for special category data). This will not affect the lawfulness of processing carried out before you withdrew your consent.

To exercise any of these rights, please contact us using the details on our website. You also have the right to lodge a complaint with the UK Information Commissioner's Office (ICO) if you are unhappy with how we handle your data, though we would appreciate the opportunity to address your concerns first.

9. Cookies and similar technologies

We use cookies and similar technologies to operate our website, remember your preferences, analyse traffic, and, where permitted, deliver personalised content or marketing. You can manage your cookie preferences through your browser settings and, where provided, our on-site cookie tools. For more detailed information, please refer to our separate Cookie Policy (if available).

10. Data security

We use appropriate technical and organisational measures to protect your personal data against unauthorised access, accidental loss, destruction or damage. Although we take reasonable steps to secure your information, no system can be guaranteed as completely secure. You are responsible for keeping any account credentials confidential and for notifying us promptly if you suspect unauthorised access to your account.

11. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in law, regulation, guidance or our data processing practices. The "Last updated" date at the top of this page indicates when it was most recently revised. We encourage you to review this page regularly to stay informed about how we protect your information.