Ethical Screening Disclaimer
Last updated: June 2026
This Is Not a Religious Ruling
Titan Protect provides ethical screening of financial instruments based on widely accepted compliance criteria, including those published by the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI). Our screening is applied programmatically using publicly available financial data.
This is not a fatwa, religious ruling, or scholarly opinion. Our screening methodology is a quantitative tool, not a religious authority. The compliance status we display is based on numerical thresholds applied to financial data and should be treated as informational, not as religious guidance.
We strongly recommend that users who require religious certainty about the permissibility of specific investments consult a qualified Islamic scholar or Shariah advisory board familiar with their personal circumstances.
No Religious or Institutional Affiliation
Titan Protect is an independent financial intelligence platform. We are not affiliated with, endorsed by, or associated with any:
- Religious institution, mosque, church, synagogue, or temple
- Scholarly body, Islamic council, or Shariah board
- Political party, government body, or advocacy organisation
- Religious movement, denomination, or sect
Our ethical screening criteria are derived from our own interpretation of publicly available standards. Different scholars, institutions, and advisory boards may apply different thresholds and arrive at different conclusions about the same instruments.
Methodology Transparency
Our ethical screening applies the following quantitative thresholds, based on widely referenced AAOIFI-standard criteria:
| Screen | Threshold | Rationale |
|---|---|---|
| Business Activity | Core business must not be prohibited | Alcohol, gambling, tobacco, weapons, adult content |
| Debt Ratio | <33% of total assets | Limits exposure to interest-based financing |
| Cash & Interest | <33% of total assets | Limits interest-bearing deposits |
| Receivables | <49% of total assets | Ensures tangible asset backing |
| Revenue Purity | <5% from non-compliant sources | Any impure revenue requires purification |
These thresholds are among the most commonly cited in Islamic finance literature. However, they are not the only accepted methodology. Some scholars apply stricter thresholds, others more lenient.
Multi-Faith and Values-Based Approach
While our screening methodology draws from Islamic finance principles, the underlying criteria reflect universal ethical investing values:
- Low debt: Financial prudence valued across all investment philosophies
- Clean revenue: Avoiding harmful industries aligns with ESG, SRI, and faith-based investing
- Responsible governance: Transparent operations benefit all stakeholders
Our platform serves investors of all faiths, backgrounds, and values systems.
Political Trading Data
Titan Protect displays publicly available congressional trading data sourced from mandatory STOCK Act disclosures. This data is presented for transparency and informational purposes only.
The display of a politician’s trading activity does not constitute an endorsement or criticism of that individual, their party, or their policies. Committee alignment analysis is a statistical observation, not an accusation of impropriety.
Not Financial Advice
Nothing on this website constitutes financial advice, investment advice, trading advice, or any other form of professional advice. All content, data, screening results, scores, and analysis are provided for informational and educational purposes only.
You should always conduct your own research and consult with qualified professionals before making any investment decisions. Past performance does not guarantee future results.
Data Accuracy
While we strive for accuracy, all data is sourced from third-party providers and public filings. We do not guarantee the accuracy, completeness, or timeliness of any data displayed. Screening results should be verified independently, particularly where religious compliance is a concern.
If you have questions about our methodology or this disclaimer, please contact us.