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HalalRates is a halal finance comparison platform led by a named Mufti (Mufti Saad, Lead Sharia Authority). We rate, review, and list third-party financial products and investment opportunities under the methodology described at /methodology. Tier assignments reflect our review depth; the public criteria are at /methodology and ADR-0005.

We are not a bank, lender, broker-dealer, registered investment advisor, or insurance company. Provider listings are not endorsements of personal suitability; they are Mufti review of structure plus, where applicable, our investment team's underwriting. Personal financial advice is not provided here.

Mufti rulings on this site address the structures, products, and questions our content covers. They do not substitute for a personal consultation on your specific circumstances. Premium consultations with Mufti Saad are available for personalized rulings.

When you initiate a Get Matched flow, we share your match details with provider partners that fit your criteria. The provider may contact you to discuss their offering. We earn a referral fee from some partners; this never affects Mufti tier assignment, and disclosure is at /how-we-make-money.

Listings on /opportunities are subject to accredited investor verification under US securities law where required. Accreditation status is verified by a third-party provider. Investments carry risk of loss; past performance does not guarantee future results. Mufti review covers Sharia compliance of structure, not financial suitability.

Do not scrape the site for resale, automate Get Matched submissions, or attempt to defeat the accredited investor gate. Do not impersonate Mufti Saad or attribute content to him that he did not author. The Mufti's name is reserved to him.

Use of HalalRates is provided as-is. We are not liable for losses arising from your reliance on listings, comparisons, calculator outputs, or rulings, except to the extent required by law. Calculator outputs are estimates; verify with the provider before transacting.

We update these terms when material aspects of the service change. The "Last updated" date above reflects the most recent revision.

legal@halalrates.com for any terms-related question.