The ground rules, in plain English.

1.Who we are, and what these terms cover

These Terms of Use are issued by InvestHAQ Pty Ltd (ABN 24 698 040 907), referred to here as InvestHAQ, we and us. They govern your use of investhaq.com.au and everything on it: the fund comparisons, the education library, the calculators, your account, and the finance enquiry service.

By using the site you accept these terms; by creating an account you confirm that acceptance explicitly. If you do not agree with something here, the honest advice is not to use the site, and to tell us why, because we would like to know.

2.What InvestHAQ is, and isn't

InvestHAQ is an information platform. We put the facts about Shariah compliant investments side by side on a consistent basis, so you can compare them properly.

What we are not is an adviser. Nothing on this site is financial product advice, general or personal. We do not hold an Australian Financial Services Licence, we do not recommend products, we do not rank funds by quality, and nothing here takes your personal objectives, financial situation or needs into account.

• A fund appearing on InvestHAQ is not an endorsement of that fund.
• A comparison result is a sorted table of facts, not a suggestion.
• Before making any investment decision, read the Product Disclosure Statement or Information Memorandum, and consider advice from a licensed adviser.

3.Your account

• Be yourself. Registration details must be accurate and yours; one account per person.
• Guard your keys. You are responsible for keeping your sign-in credentials secure and for what happens under your account. Tell us promptly if you think it has been compromised.
• Declare honestly. Your investor classification (retail, wholesale, adviser or accountant) controls what content you can see. Wholesale declarations are legal declarations under the Corporations Act: we rely on them, and we keep them as compliance records.
• Leave freely. You can close your account at any time; how we handle your data on the way out is in our Privacy Policy.

4.Fair use of the platform

Use InvestHAQ lawfully and personally. A few things break the deal:

• Scraping, bulk-downloading or automated harvesting of our data;
• Interfering with the site's operation or trying to get around its access controls;
• Passing off InvestHAQ data or research as your own;
• Using a false classification to reach content the law says is not for you.

If your business needs our data, we would genuinely like to talk. That is what B2B and API access is for, under its own terms (section 5).

5.Content and ownership

The content we create (our text, data compilations, methodology, scores and branding) belongs to InvestHAQ or its licensors. You are welcome to view it, print it and share links to it for your own use. What you cannot do is republish or redistribute it without our written consent.

Two boundaries worth naming:

• Fund documents on the site (PDSs, Information Memoranda, TMDs, Shariah certificates) belong to their issuers. We host or link to them so you can read the source; they remain the issuer's.
• Professional and commercial use of our data (advisers, platforms, researchers) is available under separate B2B and API terms; contact us.

6.About our data

We work hard to get the numbers right: every key figure carries its source document and date, and our Methodology page explains how each metric is derived. But honesty requires this paragraph:

Data is provided without warranty of completeness, accuracy or currency. Figures can lag an issuer's latest update; documents get revised; feeds have gaps. Where our data and the issuing document disagree, the issuing document is right. Always verify against the current PDS or IM before acting on anything you read here.

Some figures are supplied to us directly by the fund manager. We publish them as supplied, with the date received, and do not audit them.

7.Shariah information

InvestHAQ records the facts of each fund's Shariah certification: who certified it, against which standard, and what the fund discloses about its methodology. We present those facts consistently so you can compare them.

We do not certify, endorse or adjudicate. InvestHAQ does not declare any product halal, does not rank certification bodies against each other, and nothing on this site is a religious ruling. Whether a certification satisfies you is a judgement for you and, if you wish, your own scholarly guidance.

8.Links that leave InvestHAQ

Fund manager websites, document downloads, adviser profiles: many links on InvestHAQ lead elsewhere. Once you leave, the destination's content, offers and conduct are its responsibility, not ours, and a link is never an endorsement. We mark outbound journeys clearly so you always know when you have left.

9.The finance enquiry service

The Looking for Finance page lets you describe the halal finance you are after. Because it is the one part of the site that touches consumer credit, it gets its own rules:

• We are not a lender, broker or credit adviser, and we hold no Australian Credit Licence. The form is an enquiry, never an application: no rates, no assessments, no eligibility checks.
• Referral is your call. Only if you expressly consent do your contact details and enquiry go to a referral partner holding an Australian Credit Licence, who may then contact you. Decline, and nobody calls. Your enquiry still counts, in de-identified form, toward our published research on halal finance demand.
• The fee is disclosed. We may be paid a referral fee per introduction made with your consent. It does not change what you pay, and you are never obliged to proceed with any provider.
• Providers describe themselves. Partners describe their products as Shariah compliant; that description is theirs, and section 7 applies.

10.Our liability

You make your own investment decisions. To the extent permitted by law, InvestHAQ is not liable for loss arising from decisions made using the site, from errors or omissions in the data, or from your dealings with any third party you reach through it.

Nothing in these terms excludes rights that cannot be excluded under Australian law, including the Australian Consumer Law. Where liability cannot be excluded but can be limited, it is limited to resupplying the information in question.

11.Suspension and closing your account

We may suspend or close an account that breaks these terms: a false wholesale declaration, scraping, abuse of other users or of the platform. Where it is fair to do so, we will warn you first.

You can close your account whenever you like. Clauses that by their nature outlive an account (ownership of content, liability, and the records the law requires us to keep) survive closure.

12.Changes to these terms

When these terms change, the version and date at the top change with them, and every published version is archived. We can always show you the exact wording you accepted. If we make a material change, we will announce it on the site, and account holders will be asked to review and accept the updated terms at their next sign-in. The version you accepted governs until you accept the next.

13.Governing law

These terms are governed by the laws of Victoria, Australia, and the courts of Victoria have jurisdiction. Your rights under the Australian Consumer Law are unaffected.

14.Complaints and disputes

If something has gone wrong, come to us first (section 15). We acknowledge complaints within 7 days and respond in full within 30. Most things are fixable at this step, and we treat complaints as free quality control.

If we cannot resolve it, the ordinary consumer remedies remain open to you. Complaints about your personal information can also go to the Office of the Australian Information Commissioner, as our Privacy Policy explains.

15.Contact us

Questions about these terms, B2B and API enquiries, complaints: all welcome.

• Email: [email protected]