Privacy Policy

1. Overview

IslamicHomeFinance.com ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains what personal data we collect, how we use it, with whom we share it, and what choices you have. By using the Site, you agree to the practices described in this policy.

2. What Data We Collect

Account information: When you register, we collect your name, email address, and a hashed version of your password. We never store your password in plain text.

Profile information: You may optionally add a short bio, credentials, and a profile photo URL. This information is visible to other users.

User-generated content: Comments, questions, answers, and any other content you submit to the Site are stored in our database and may be publicly visible.

Newsletter: If you sign up for our newsletter, we store your email address for that purpose only. You can unsubscribe at any time.

Usage data: We collect basic, aggregate analytics about how the Site is used — such as page views and article popularity. This data is not linked to individual identities.

Technical data: We may log IP addresses and request metadata for security, rate-limiting, and spam-prevention purposes. This data is not used for advertising profiling.

Terms acceptance: We record the date and time when you agree to our Terms of Service at signup, as part of our compliance audit trail.

3. How We Use Your Data

• To create and manage your account and authenticate your sessions
• To display your name alongside content you contribute
• To send transactional emails (account verification, password resets)
• To send our newsletter if you opted in (you may unsubscribe at any time)
• To moderate content and enforce our Community Guidelines
• To analyze aggregate usage patterns and improve the Site
• To prevent spam, fraud, and abuse

4. We Do Not Sell Your Data

We do not sell, rent, or trade your personal information to any third party for their marketing or advertising purposes. Full stop.

5. Cookies and Analytics

The Site uses session cookies necessary for authentication (keeping you logged in). We do not use third-party advertising cookies or cross-site tracking cookies. If we add analytics tools in the future, we will update this section and provide opt-out options where required by law.

6. Third-Party Services

We use a limited number of third-party services to operate the Site:

• Resend — used to send transactional and newsletter emails. Your email address is shared with Resend solely for delivery purposes.
• hCaptcha — used on forms to prevent automated spam. hCaptcha may collect IP address and browser data under its own privacy policy.
• Replit — the Site is hosted on Replit's infrastructure. Replit processes server requests and stores data in accordance with its own data protection practices.
• Cloudflare — used for DNS and network routing. Cloudflare may process request metadata at the network level.

We encourage you to review the privacy policies of these third-party providers for details on how they handle data.

7. Your Rights

You have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you
• Correction: Ask us to correct inaccurate or incomplete data
• Deletion: Request deletion of your account and associated personal data (some data may be retained for legal or moderation purposes)
• Portability: Request your data in a commonly used machine-readable format
• Objection: Object to certain uses of your data

To exercise any of these rights, email us at privacy@islamichomefinance.com. We will respond within 30 days.

8. Children's Privacy

The Site is not directed to children under 13. We do not knowingly collect personal data from anyone under 13. Users between 13 and 17 must have parental or guardian consent before creating an account. If we learn that we have inadvertently collected personal data from a child under 13, we will delete it promptly. Contact us at privacy@islamichomefinance.com if you believe a child's data has been collected without appropriate consent.

9. Data Retention

We retain your account data for as long as your account remains active. If you request deletion, we will remove your personal data within 30 days, except where retention is required by law (for example, financial or legal compliance records) or for legitimate security purposes (such as IP logs used to investigate abuse). Anonymized or aggregated data that cannot identify you may be retained indefinitely.

10. Security

We take reasonable technical and organizational measures to protect your personal data from unauthorized access, loss, or disclosure. Passwords are hashed using bcrypt and never stored in recoverable form. However, no method of internet transmission or electronic storage is completely secure; we cannot guarantee absolute security.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the revised version on this page with an updated date. Continued use of the Site after changes take effect constitutes your acceptance of the updated policy.

12. Contact

For privacy-related questions or requests, contact:
privacy@islamichomefinance.com