Terms of Use
Islamic Money App and Online Portal
Effective 11 June 2026
These Terms of Use govern your access to and use of the Islamic Money mobile application (the “App”) and the Islamic Money online portal (together, our “Digital Services”), provided by Islamic Money Australia Pty Ltd (ABN 37 609 971 280) (“Islamic Money”, “we”, “us”). By signing in to or using our Digital Services you agree to these terms. These terms are in addition to, and do not replace, the terms and conditions of any finance, deposit or other product you hold with us.
1. Your account and security
Your sign-in credentials (including your password, PIN and any one-time codes we send you) are personal to you. You must keep them secret, not record them in a way others can access, and not share them with anyone, including family members. You must notify us immediately at help@islamicmoney.au or on 1300 475 264 if you suspect your credentials have been lost, stolen or used by someone else, or if you notice a transaction you do not recognise.
2. Biometric and PIN sign-in
The App lets you sign in using your device’s biometric features (such as Face ID or fingerprint) or a PIN. Biometric information is stored and checked only on your device by Apple or Google. It is never sent to us and we cannot access it. If you enable biometric sign-in, anyone whose biometrics are enrolled on your device will be able to access the App, so do not enable it on a shared device.
3. Availability
We aim to make our Digital Services available at all times, but we do not guarantee uninterrupted access. Services may be unavailable during maintenance windows or due to events outside our control. Where the Digital Services are unavailable you can contact us by phone or email.
4. Information, not advice
Balances, transaction details and other information shown in our Digital Services are provided in good faith from our records. Calculators and tools (including the Zakat calculator) provide general information only and do not take into account your personal circumstances. Nothing in our Digital Services constitutes personal financial, taxation, legal or religious advice.
5. Islamic resources
Prayer times, Qibla direction, the Islamic calendar and Quran content in the App are provided as a convenience for general guidance only. Prayer times and Qibla direction are calculated on your device using your location and standard calculation methods, and may differ from those used by your local mosque or scholar. Please verify with your local authority where precision matters.
6. Location
If you grant the App access to your device’s location, it is used only on your device to calculate prayer times and Qibla direction. Your location is not transmitted to our servers.
7. Acceptable use
You must not use our Digital Services for any unlawful purpose, attempt to gain unauthorised access to any system or data, interfere with the operation of the services, or copy, modify, reverse engineer or create derivative works of the App.
8. Intellectual property
The App, our Digital Services and all related content, branding and software are owned by or licensed to Islamic Money. You are granted a personal, non-transferable, non-exclusive licence to use the App on your own device for managing your accounts with us.
9. Suspension and changes
We may suspend or withdraw your access to our Digital Services where we reasonably consider it necessary, for example to protect the security of your accounts, to comply with the law, or where these terms are breached. We may update these terms and the Digital Services from time to time. The current version will always be available on this page, and we will notify you of material changes.
10. Liability
Nothing in these terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law or any other law that cannot be excluded. Subject to that, we are not liable for loss caused by events outside our reasonable control, by your failure to keep your credentials secure, or by use of the Digital Services other than in accordance with these terms.
11. App marketplaces
The App is provided by Islamic Money, not by Apple Inc. or Google LLC. Apple and Google have no obligation to provide maintenance or support for the App and are not responsible for addressing any claims relating to it. Apple and its subsidiaries are third-party beneficiaries of these terms in respect of your use of the iOS version of the App and may enforce these terms against you.
12. Governing law
These terms are governed by the laws of New South Wales, Australia.
13. Contact us
Email: help@islamicmoney.au
Phone: 1300 475 264 (within Australia) or +61 2 8239 7200 (overseas)
See also our Privacy Policy.
