Your Privacy Matters

At HalalRetirement.ca, we respect your privacy and are committed to protecting your personal information in accordance with Canadian privacy laws.

Last Updated: January 10, 2026

1. Your Privacy Matters

HalalRetirement.ca respects your privacy and is committed to protecting personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

This Privacy Policy explains how personal information is collected, used, disclosed, safeguarded, and retained when you visit or interact with this website.

2. Purpose of This Website

HalalRetirement.ca is an education-focused website that provides general information about commonly used concepts related to Shariah-compliant (halal) investing and retirement planning in Canada.

The website may also be used to facilitate initial contact, at your request, for educational discussions or to explore whether a formal advisor-client relationship may be appropriate. Any such relationship, if established, occurs separately and in accordance with applicable regulatory requirements.

3. Information We Collect

We collect only the information reasonably necessary for the purposes described in this policy.

a) Information You Voluntarily Provide

This may include:

• Name
• Email address
• Phone number
• General responses to educational questionnaires or quizzes
• General preferences related to Shariah-compliance concepts
• Appointment request details (if you choose to book a meeting)
• Messages submitted through contact or feedback forms

b) Communications Preferences

• Email subscription status (opt-in / opt-out)
• SMS consent status (explicit opt-in only)

c) Automatically Collected Information

Limited technical information may be collected, such as:

• IP address
• Browser and device type
• Pages visited and general usage patterns

This information is used for website functionality, security, and basic analytics.

4. How We Use Your Information

Personal information is used only for the following purposes:

• To provide educational information related to topics presented on this website
• To respond to inquiries or requests you initiate
• To contact you where you have expressly requested communication
• To manage appointment requests where applicable
• To send email or SMS communications only where you have provided explicit consent
• To improve website performance and content through analytics
• To comply with legal and regulatory requirements

We do not use personal information for automated decision-making, profiling, or suitability determinations.

5. Email Communications

If you choose to submit your email address (for example, through an educational quiz or contact form), you may receive educational communications related to the topics covered on this website.

• Email communications are sent only where consent has been provided
• Every email includes an unsubscribe option
• You may unsubscribe at any time

6. SMS Communications

SMS messages are sent only to individuals who have explicitly opted in through a clear consent checkbox.

• Message and data rates may apply based on your mobile carrier
• You may opt out at any time by replying STOP
• SMS communications are managed in compliance with CASL requirements

7. Disclosure of Information

HalalRetirement.ca does not sell, rent, or trade personal information.

Personal information may be disclosed only in the following limited circumstances:

• To service providers that support website operations (such as email, SMS, scheduling, hosting, or analytics providers), under confidentiality and data-protection obligations
• Where required by law or regulatory authority
• Where you have explicitly requested to be contacted, as described on the website

Any financial advice, if provided, occurs only within a separate advisor-client relationship and is governed by applicable regulatory requirements.

8. Third-Party Service Providers

HalalRetirement.ca uses reputable third-party service providers to support website operations, including tools for:

• Email communications
• SMS delivery
• Appointment scheduling
• Website analytics
• Secure data storage and automation

These providers process information only for the purposes described and are subject to their own privacy obligations. We encourage users to review the privacy policies of these providers.

9. Safeguards

Reasonable administrative, technical, and physical safeguards are used to protect personal information against unauthorized access, use, or disclosure.

Information is transmitted using secure protocols and access is restricted to those who require it for the purposes outlined in this policy. While safeguards are used, no method of transmission over the internet is completely secure.

10. Retention of Information

Personal information is retained only for as long as necessary to fulfill the purposes for which it was collected, or as required by legal or regulatory obligations.

When no longer required, information is securely deleted or anonymized.

11. Your Privacy Rights

Under PIPEDA, you have the right to:

• Request access to personal information held about you
• Request correction of inaccurate or incomplete information
• Withdraw consent for communications (subject to legal retention requirements)
• File a complaint with the Office of the Privacy Commissioner of Canada

Requests may be made using the contact information below.

12. Changes to This Privacy Policy

This Privacy Policy may be updated from time to time to reflect changes in legal, regulatory, or operational requirements. Updates will be posted on this page with a revised "Last Updated" date.

13. Contact Information

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact:

14. Acknowledgment

By using HalalRetirement.ca, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.