The H.M.O. Privacy Policy

Effective Date: November 12, 2025
Last Updated: July 31, 2026

Halal Money Online ("HMO," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit halalmoneyonline.com, register for a workshop, purchase or participate in our programs, join our community, receive coaching or implementation services, or otherwise interact with us.

1. Information We Collect

Depending on how you interact with HMO, we may collect:

  • Contact and account information: name, email address, telephone number, mailing address, login information, and communication preferences.
  • Transaction information: products purchased, payment status, billing address, and related records. Payment card and financing information is processed by our payment or financing providers, and we generally do not receive or store complete card numbers.
  • Program and coaching information: questionnaires, assignments, progress reports, call notes, messages, recordings when notice or consent is provided, business ideas, brand materials, course content, testimonials, and other information you choose to submit.
  • Community content: profile information, posts, comments, direct messages sent to HMO, and other content shared through the Halal Money Network. Content posted in member areas may be visible to other authorized members.
  • Device and usage information: IP address, browser and device type, operating system, referring pages, pages viewed, links clicked, approximate location, dates and times of access, and cookie or similar technology identifiers.
  • Communications and social information: emails, support requests, chat messages, survey responses, and interactions with our social media accounts or advertising.

2. How We Use Information

We may use information to:

  • Operate our website, workshops, programs, coaching, community, and implementation services;
  • Create and manage accounts, provide customer support, and communicate about purchases or participation;
  • Process payments, administer payment plans, prevent fraud, and maintain transaction records;
  • Personalize instruction, review work, provide feedback, track progress, and administer any applicable program guarantee;
  • Send educational content, announcements, and marketing communications where permitted by law;
  • Improve our services, analyze performance, troubleshoot problems, and secure our systems;
  • Comply with law, enforce agreements, and protect the rights, safety, and property of HMO, our users, and others.

3. How We Disclose Information

We may disclose information to service providers and contractors that help us operate, including Kajabi, payment processors such as Stripe, financing providers such as Klarna or Afterpay when selected, email and messaging providers, scheduling and video-conferencing services, analytics and advertising providers, automation tools, cloud-storage providers, and professional advisers. These parties receive information as reasonably necessary to perform services for us or as otherwise permitted by law.

We may also disclose information:

  • At your direction or with your consent;
  • To other members when you choose to post in a community or group setting;
  • To comply with legal process or protect legal rights, safety, and security;
  • In connection with a merger, financing, sale, reorganization, or transfer of all or part of the business.

We do not sell or rent personal information for money. We may use analytics or advertising technologies that some laws treat as "sharing" or targeted advertising. Where applicable, you may contact us to exercise available opt-out rights.

4. Cookies and Similar Technologies

We and our providers may use cookies, pixels, and similar technologies to keep the site functioning, remember preferences, understand site use, measure campaigns, and deliver or assess advertising. You can adjust browser settings to block or delete cookies, but some site features may not function properly. Where required, we will request consent through an available cookie-control mechanism.

5. Email and Text Communications

You may unsubscribe from marketing emails through the link in any marketing message. Transactional or service messages may still be sent when necessary to deliver a purchase or administer an account. If you separately opt in to text messages, message and data rates may apply, and you may opt out as stated in those messages.

6. Data Retention

We retain information for as long as reasonably necessary for the purposes described in this Policy, including providing services, maintaining business and tax records, resolving disputes, enforcing agreements, and satisfying legal obligations. Retention periods vary based on the type of information and the reason it was collected.

7. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security. You are responsible for protecting your account credentials and notifying us promptly of suspected unauthorized access.

8. Your Privacy Choices and Rights

Depending on where you live and subject to applicable exceptions, you may have the right to request access to, correction of, deletion of, or a copy of personal information; to withdraw consent; to object to or restrict certain processing; or to opt out of certain targeted advertising or sharing. We may need to verify your identity before completing a request.

To submit a request, email [email protected]. You may also unsubscribe from marketing emails at any time. We will not discriminate against you for exercising rights provided by applicable law.

9. Third-Party Sites and Services

Our services may link to or integrate with third-party sites and services. Their privacy practices are governed by their own policies, and HMO is not responsible for those practices.

10. Children's Privacy

HMO's services are intended for adults and are not directed to children under 13. We do not knowingly collect personal information from children under 13. Purchases and program participation are limited to persons at least 18 years old or the age of legal majority in their jurisdiction.

11. International Users

HMO is based in the United States. If you access our services from another country, your information may be transferred to and processed in the United States and other locations where our providers operate, subject to applicable law.

12. Changes to This Policy

We may update this Privacy Policy as our practices or legal obligations change. The revised version will be posted on this page with a new "Last Updated" date. Material changes may also be communicated through the website, by email, or through our member platform when appropriate.

13. Contact Us

Questions or privacy requests may be sent to [email protected].

Halal Money Online
Integrity. Proof. Barakah.
www.halalmoneyonline.com