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"The best of people are those who bring the most benefit to others."
— Prophet Muhammad ﷺ

Terms of Service

Last Updated: Jan 31, 2025

1. Acceptance of Terms

By creating an account, accessing, or using the Halal Holdings platform ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, you must not use our Service.

2. CRITICAL DISCLAIMER: No Financial Advice & Nature of AI

Please read this section carefully.

2.1 Informational Purposes Only: The content provided by Halal Holdings, including stock predictions, price targets, and Sharia-compliance ratings, is for informational and educational purposes only. It does not constitute financial, investment, legal, or tax advice.

2.2 Artificial Intelligence Model: You explicitly acknowledge and understand that the data presented on this platform is generated by an automated artificial intelligence predictive model.

Not Human Advice: The insights are not reviewed, vetted, or issued by human financial advisors, brokers, or analysts.
No Fiduciary Duty: There is no human-to-human relationship established between you and Halal Holdings. We are not your financial advisor.

2.3 User Responsibility: You agree that any investment decision you make based on our data is solely within your total control and at your own risk. You are solely responsible for verifying the data before investing. Halal Holdings is not liable for any financial losses, damages, or missed opportunities resulting from the use of our predictive model.

3. Accuracy of Data & Halal Compliance

3.1 Predictive Nature: Stock market predictions are probabilistic. The model cannot guarantee future performance.

3.2 Sharia Compliance: "Halal" or "Sharia-compliant" ratings are based on specific algorithmic criteria and data feeds. Interpretations of Sharia compliance vary; we do not guarantee that our classification aligns with every scholar or school of thought. You should consult with a religious authority if you are unsure.

4. User Accounts

To access certain features (such as saving portfolios or generating PDF reports), you must register an account. You are responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately of any unauthorized use of your account.

5. Intellectual Property

All content, the predictive model algorithms, site design, logos, and code are the property of Halal Holdings and are protected by copyright and intellectual property laws. You may not reverse engineer the model or scrape data from the site without permission.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Halal Holdings, its developers, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of the Service.

7. Governing Law

These Terms shall be governed and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.

Privacy Policy

Last Updated: Jan 31, 2025

1. Introduction

Halal Holdings ("we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclosure, and safeguard your information when you visit our website.

2. Information We Collect

2.1 Personal Data: When you register, we collect personally identifiable information, specifically your email address and username.

2.2 Financial Preferences: We collect data on the stocks you search for, the portfolios you build, and the "Watchlists" you create to provide you with the Service.

2.3 Usage Data: We automatically collect information such as your IP address, browser type, and operating system to help us understand how users interact with the site.

3. How We Use Your Information

We use the information we collect to:

Generate and deliver your personalized stock prediction reports (including PDF exports).
Maintain your user account and login session (via Supabase or similar authentication providers).
Improve the accuracy of our predictive model by analyzing aggregate user interest.
Send you administrative emails regarding your account or policy updates.

4. Disclosure of Your Information

Service Providers: We may share information with third-party vendors who perform services for us, such as cloud hosting (e.g., Supabase), AI API providers, or data analytics services.

Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities.

5. Security of Your Information

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception.

6. Cookies and Tracking Technologies

We may use cookies to help customize the Site and improve your experience. Most browsers are set to accept cookies by default. You can remove or reject cookies, but be aware that such action could affect the availability and functionality of the Site.

7. Contact Us

If you have questions or comments about this Privacy Policy, please contact us at:

info.halalholdings@gmail.com