Privacy Policy

Introduction

Halal Debt Solutions ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Complete our enquiry form
• Contact us by phone, WhatsApp, email, or through a form on the site

This personal information may include:

• Full name
• Email address
• Phone number
• Financial information (debt amounts, income, employment status)
• Residential status

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device, including:

• IP address
• Browser type and version
• Time zone setting
• Operating system
• Pages visited and time spent on pages
• Referring website addresses

How We Use Your Information

We use the information we collect for the following purposes:

• To refer you to FCA-authorised debt advisers for professional guidance
• To provide educational resources and information about debt solutions
• To respond to your inquiries and provide customer support
• To send you relevant information about our services (with your consent)
• To improve our website and services
• To comply with legal obligations
• To detect and prevent fraud or other illegal activities

Sharing Your Information

We may share your information with:

• FCA-Authorised Debt Advisers: when you ask us to refer you, we share your information with the FCA-authorised debt advice firm handling your referral, so they can provide professional debt advice.
• Service Providers: We share limited information with providers who run parts of our service for us: website hosting, email delivery, Google Analytics (only if you accept optional cookies), and WhatsApp (Meta) if you choose to message us there.
• Trustpilot: If you complete our enquiry form, your email address is shared with Trustpilot so they can invite you to leave an independent review. The invitation is optional and we honour opt-outs.
• Legal Requirements: We may disclose your information if required by law or in response to valid requests by public authorities.

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

Our lawful basis for holding your information

Under UK data protection law we have to tell you why we are allowed to hold your information.

• When you make an enquiry, and when we introduce you to an FCA-authorised firm, we are doing the thing you have asked us to do. In data protection language that is processing necessary to provide a service you have requested. Before you send the form you tick a box confirming you agree to this policy and understand that we will refer you to an FCA-authorised debt adviser, and we keep a record of that. You can tell us to stop at any time.
• For running and improving the service, such as keeping the site secure and seeing which pages help people most, our basis is our legitimate interests, weighed against your privacy. Where we rely on this you have the right to object, and you can do that by emailing us.
• For keeping records of referrals and payments, our basis is our legal obligation to keep proper business and tax records.
• Where we hold anything about health, religion or beliefs, which the law treats as more sensitive, our basis is your explicit consent. See the section below.

Sensitive information

Some information is treated as more sensitive under UK data protection law, including anything about your health, your religion or your beliefs. We do not ask you for any of it. Our service is written for Muslims, but we never ask you to tell us your religion and we do not record it.

If you mention something sensitive while we are helping you, for example an illness affecting your income, we note it only if it is genuinely needed to help you, and we keep it to a minimum. Where we do record something sensitive we only do it with your clear agreement, and we ask you first. You can ask us to remove it at any time, which we will do unless the law requires us to keep it.

Where your information is held

Your information is stored in the UK. Some of the services we rely on are run by companies based outside the UK, and using them means limited information can be transferred abroad: Google Analytics (only if you accept optional cookies) and WhatsApp, which is owned by Meta, if you choose to message us there. Where that happens, the transfer is covered by the safeguards UK data protection law requires, such as the UK's international data transfer agreement or an adequacy decision.

Data Security

We implement appropriate technical and organisational security measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure.

Your Rights

Under UK data protection laws (including UK GDPR), you have the following rights:

• Right to Access: Request copies of your personal data
• Right to Rectification: Request correction of inaccurate data
• Right to Erasure: Request deletion of your data in certain circumstances
• Right to Restrict Processing: Request limitation of how we use your data
• Right to Data Portability: Request transfer of your data to another organisation
• Right to Object: Object to processing of your data in certain circumstances
• Rights Related to Automated Decision Making: Not be subject to decisions based solely on automated processing

To exercise any of these rights, please contact us at info@halaldebtsolutions.co.uk. We respond within one month. For particularly complex requests the law allows up to two further months, and we will tell you if we need that extra time.

You also have the right to complain to the UK's data protection regulator, the Information Commissioner's Office, at ico.org.uk. We would welcome the chance to resolve any concern first.

Cookies and Tracking Technologies

We keep cookies to a minimum. The only optional cookies we use are Google Analytics cookies, which help us see which pages and features help people most so we can improve the site. They are set only if you accept them in the cookie banner shown on your first visit. If you decline, analytics never runs. We do not use advertising cookies, and Google Signals and ads personalisation are switched off. We also store one or two small settings in your browser, neither of which identifies you. One remembers your cookie choice. The other is set only if you deliberately ask this browser to be left out of our analytics, which is how we stop our own visits being counted.

You can change your mind at any time using the "Cookie choices" link in the footer of this website, which brings the banner back. Your choice is remembered for 12 months, and then we ask again.

Data Retention

We keep personal information only for as long as it is genuinely needed:

• Enquiries and call notes: kept for up to 2 years after our last contact with you, then deleted or anonymised.
• Records of referrals and payments: kept for 6 years, as required by UK tax and company law.
• Analytics data: collected only with your consent and held in Google Analytics for no more than 14 months, then automatically deleted.

You can ask us to delete your information sooner at any time (see Your Rights above).

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.