Cookie Policy and Settings
Last Updated: 10/11/2025
Takaful America (“we,” “us,” or “our”) uses cookies and similar technologies to ensure our website functions properly, enhance your user experience, analyze traffic, and support marketing and outreach activities. This Cookie Policy explains what cookies are, how we use them, and your rights to manage your cookie preferences.
1. What Are Cookies?
Cookies are small text files placed on your computer or mobile device by a website when you visit it. They help websites recognize your device and remember your actions or preferences (such as login, language, or region).
Cookies serve various purposes, including ensuring the security and proper functionality of a website, gathering analytics data, and improving your browsing experience.
2. Types of Cookies We Use
| Category | Purpose | Retention |
|---|---|---|
| Strictly Necessary Cookies | Enable essential site functions (security, network management, accessibility). These cannot be disabled. | Session or short-term |
| Analytics Cookies | Help us understand how visitors interact with our site, allowing us to improve usability and performance. | Up to 13 months |
| Marketing Cookies | Used to deliver relevant content, measure campaign effectiveness, and personalize communications if you consent. | Up to 13 months |
| Functional Cookies | Remember your settings and preferences to enhance your user experience. | Session or persistent |
| Do Not Sell/Share (CPRA) | Signals your opt-out from cross-context behavioral advertising or sale of personal information. | Stored until updated |
3. Legal Basis for Use
We use cookies under the following legal bases:
- Strictly Necessary Cookies: Legitimate interest (website operation and security).
- Analytics and Marketing Cookies: Your explicit consent.
- Shariah Principle: Data is treated as an Amanah (trust) and may only be used for lawful, disclosed, and ethical purposes.
You can withdraw consent at any time by updating your preferences.
4. Managing Your Preferences
You have full control over your cookie settings:
- Cookie Banner: Choose your preferences when first visiting our site.
- Cookie Settings Page: Update your choices anytime at Cookie Settings.
- Browser Controls: You may also configure or delete cookies via your browser’s privacy settings.
If you block or delete certain cookies, some parts of the site may not function properly.
5. Third-Party Cookies
Some cookies may be set by third-party analytics or advertising providers (e.g., Google Analytics, Meta). These third parties process data under their own privacy policies.
We do not sell or rent your personal data. However, limited data may be shared with these partners to measure and improve site performance — only with your consent.
6. “Do Not Sell or Share My Personal Information” (California Residents)
If you are a resident of California, you have the right under the California Consumer Privacy Act (CCPA/CPRA) to opt out of the sale or sharing of your personal information.
To exercise this right:
7. Data Retention
Cookie data is retained only for as long as necessary to fulfill its purpose:
- Session cookies are deleted when you close your browser.
- Persistent cookies remain for up to 13 months unless you delete them sooner.
- Consent records are retained to comply with applicable laws.
8. Updates to This Policy
We may update this Cookie Policy periodically to reflect new technologies, regulatory requirements, or operational changes. The latest version will always be available on this page with the updated “Effective Date.”
9. Shariah Compliance and Ethical Data Use
Takaful America is guided by Islamic principles of justice (Adl), transparency (Bayaan), and trust (Amanah).
We do not engage in invasive tracking, exploitation of data, or practices that compromise user privacy.
Our Shariah Supervisory Board periodically reviews our practices to ensure compliance with both U.S. law and Islamic ethics.
10. Contact Information
If you have any questions or concerns about this Cookie Policy or your privacy rights, please contact:
Takaful America Privacy Office
102 Market St Newark NJ 07102
Email: info@takafulamerica.com
Phone: 888-433-7998
Your privacy is our Amanah.