Privacy Policy

2. Information We Collect

We may collect the following types of information:

a. Personal Information

• Full name, address, phone number, email address
• Date of birth, social security number, or other identification
• Occupation, income range, and employment details (when required for underwriting)
• Beneficiary or nominee details

b. Policy and Financial Information

• Policy numbers, coverage details, contribution/payment history
• Claims information and supporting documents
• Bank account, debit/credit card, or payment details (for contribution processing)

c. Digital and Technical Information

• Device information (IP address, browser type, operating system)
• Website usage data (cookies, analytics, traffic logs)
• Communication preferences and marketing interactions

3. How We Use Your Information

Your information may be used for the following purposes:

• To process applications, contributions, and claims
• To verify identity and maintain accurate participant records
• To assess risk and manage Takaful pools
• To improve customer service and communication
• To comply with legal and regulatory obligations
• To provide information about new products or educational programs (only with consent)

4. Information Sharing and Disclosure

We do not sell or rent your personal information. However, we may share limited information with:

• Affiliated entities within the Takaful America group (e.g., reinsurers, administrators, auditors)
• Third-party service providers who assist in claims, underwriting, or IT support (bound by confidentiality agreements)
• Regulatory or legal authorities as required by law or for compliance
• Shariah Supervisory Board (SSB) advisors for ethical oversight (on a non-identifiable basis)

5. Data Protection and Security

We implement strict administrative, physical, and technical safeguards to protect your data, including:

• Encryption of sensitive information
• Secure data storage and restricted employee access
• Regular security audits and compliance reviews
• Secure servers and firewalls to prevent unauthorized access

6. Data Retention

We retain personal information only for as long as necessary to:

• Fulfill the purpose for which it was collected
• Meet regulatory or accounting requirements
• Resolve disputes or enforce our agreements

After the retention period, data is securely deleted or anonymized.

7. Your Rights

As a Takaful participant, you have the right to:

• Access and request a copy of your personal data
• Correct or update inaccurate information
• Request deletion of your data (where legally permitted)
• Withdraw consent for marketing communications
• Lodge a complaint with the appropriate data protection authority

To exercise these rights, contact us at info@takafulamerica.com

8. Cookies and Online Tracking

Our website uses cookies to enhance user experience and gather analytics.
You can disable cookies in your browser settings, but some features may not function properly without them.

9. Children’s Privacy

We do not knowingly collect or store information from children under the age of 13 without parental consent, in compliance with COPPA (Children’s Online Privacy Protection Act).

10. International Data Transfers

All data collected by Takaful America is processed and stored in the United States, subject to U.S. federal and state privacy laws.

11. Shariah Compliance Statement

Takaful America upholds Islamic ethical values in handling all information.
We view personal data as an Amanah (trust) and ensure that privacy and confidentiality are preserved in accordance with Shariah principles of transparency (Bayaan), justice (‘Adl), and trust (Amanah).

12. Updates to this Policy

We may update this Privacy Policy periodically to reflect new practices or regulatory changes. The latest version will always be available on our website.

Last Updated: 22/10/2025