Last Updated:  December 18, 2025 

This privacy policy (“Policy“) describes how Halal Finance, Inc., a Florida corporation d/b/a SP ZERO FINANCE and its related companies (collectively, the “Company“) may collect, use and share personal information of consumer users of this website www.spzerofinance.com (the “Site“).  This Policy also applies to any of our other websites that post the Policy.  This Policy does not apply to websites that post different privacy statements. 

WHAT WE COLLECT 

We collect information about you in the following ways: 

Information You Give Us. We collect your name, postal address, email address, phone number, fax number, username, password, demographic information (such as your gender and occupation), financial information necessary to process transactions, as well as other information you directly give us on our Site. 

Information We Collect From Others. We may collect information about you from other sources, such as public databases, joint marketing partners, social media platforms, and third-party data providers. We may combine this information with information we collect from this Site to improve our services and personalize your experience. 

Information Automatically Collected.  We automatically log information about you and your computer.  For example, when visiting our Site, we log your computer operating system type, browser type, browser language, the website you visited before browsing to our Site, pages you viewed, how long you spent on a page, access times and information about your use of and actions on our Site. 

Cookies.  We may log information using “cookies.”  Cookies are small data files stored on your hard drive by a website.  We may use both session Cookies (which expire once you close your web browser) and persistent Cookies (which stay on your computer until you delete them) to provide you with a more personal and interactive experience on our Site.  This type of information is collected to make the Site more useful to you and to tailor the experience with us to meet your special interests and needs. 

USE OF PERSONAL INFORMATION 

We use your personal information as follows: 

1. We use your personal information tooperate,maintain, and improve our sites, products, and services. 
2. We use your personal information to process and deliver contest entries and rewards.
3. We use your personal information to respond to comments and questions andprovide customer service.
4. We use your personal information to send information including confirmations, invoices, technical notices, updates, security alerts, and support and administrative messages.
5. We use your personal information to communicate about promotions, upcoming events, and other news about products and services offered by us and our selected partners.You have the right toopt-out of such marketing communications at any time as described in the “Information Choices and Changes” section below. 
6. We use your personal information to link or combineinformation we collect from you with information from other sources to provide better service and improve our products and offerings.
7. We use your personal information to protect, investigate, and deter against fraudulent, unauthorized, or illegal activity.
8. We use your personal information to provide and deliver products and servicescustomersrequest. 

SHARING OF PERSONAL INFORMATION 

We may share personal information as follows: 

1. We may share personal information with yourexpress written or electronicconsent. For example, you may let us share personal information with others for their own marketing uses. Those uses will be subject to their privacy policies. We will clearly identify the third parties and purposes before obtaining your consent, and you may withdraw consent at any time by contacting us as described in the “Contact Information” section. 
2. We may share personal information when we do a business deal, or negotiate a business deal, involving the sale or transfer of all or a part of our business or assets. These deals can include any merger, financing, acquisition, or bankruptcy transaction orproceeding. 
3. We may share personal information for legal, protection, and safety purposes.
4. Wemay share information tocomply with laws. 
5. Wemay share information to respond to lawful requests and legal processes.
6. Wemay share information to protect the rights and property of Halal Finance, Inc., our agents, customers, and others. This includes enforcing our agreements, policies, and terms of use. 
7. Wemay share information in an emergency. This includes protecting the safety of our employees and agents, our customers, or any person. 
8. We may share information withthird-party service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, customer service, and marketingassistance. These service providers are contractually obligated to protect your information and use it only for the purposes for which it was disclosed. 

We may also share aggregated and/or anonymized data with others for their own uses. 

PROTECTION OF INFORMATION 

We implement a variety of security procedures to maintain the safety of your personal information when you place an order or access your personal information.  We offer the use of a secure server.  All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our payment gateway provider’s database only to be accessible by those authorized with special access rights to such systems and who are required to keep and maintain the information confidential.  After a transaction, your personal private information (credit cards, social security numbers, financials, etc.) will be securely deleted within 60 days unless retention is required by law or necessary for legitimate business purposes such as dispute resolution, fraud prevention, or compliance with legal obligations. You will be notified if we need to retain such information beyond this period.  

INFORMATION CHOICES AND CHANGES 

Our marketing emails tell you how to opt-out; If you opt out, we may still send you non-marketing emails. Non-marketing emails include emails about your accounts, transactions, our business dealings with you, and communications required by law or necessary to provide services you have requested. 

You may send requests about personal information to our Contact Information below. You can request to change contact choices, opt-out of our sharing with others, update your personal information, request access to your personal information, request deletion of your personal information (subject to legal retention requirements), and request a copy of your personal information. We will respond to your request within 30 days. 

You can typically remove and reject cookies from our Site with your browser settings.  Many browsers are set to accept cookies until you change your settings.  If you remove and reject our cookies, it could affect how our Site works for you. 

CONTACT INFORMATION.  We welcome your comments or questions about this privacy policy.  You may also contact us at our address: 

SP ZERO FINANCE 

1331 S International Pkwy Suite 2291 

Lake Mary, Florida  32746 

CHANGES TO THIS PRIVACY POLICY. We may change this privacy policy from time to time. If we make material changes, we will notify you by email (sent to the email address specified in your account) or by means of a prominent notice on this Site prior to the change becoming effective. We will also update the Last Updated date above. We encourage you to periodically review this page for the latest information on our privacy practices. 

SITE TERMS OF USE 

By using our Site, you consent to our Site Terms of Use available at spzerofinance.com/privacy-policy.