Privacy Policy

Effective September 14, 2026

This Privacy Policy explains how Philio Holding, LLC ("Philio Holding," "we," "us," or "our") collects, uses, and protects information when you visit philioholding.com (the "Site") or contact us.

This policy covers the Site only. Companies, products, and services owned by or affiliated with Philio Holding have their own privacy policies, which govern your use of those services.

Information we collect

Information you give us. If you email us or otherwise contact us, we receive your name, email address, and anything else you choose to include in your message.

Information collected automatically. Like most websites, our hosting and network providers automatically record basic technical data when you visit, such as your IP address, browser type, device type, referring page, pages visited, and the date and time of your visit. This data is used to keep the Site running and secure.

Cookies. The Site does not use advertising or tracking cookies. Our hosting provider or font provider may set or read technical data necessary to deliver the Site. You can control cookies through your browser settings.

How we use information

• To respond to your inquiries and communicate with you.
• To operate, maintain, and secure the Site, including preventing fraud and abuse.
• To comply with legal obligations and enforce our rights.

We do not sell your personal information, and we do not share it for cross-context behavioral advertising.

How we share information

We share information only in these limited cases:

• Service providers that host the Site, provide email, or deliver other services to us, who may use the information only to perform those services.
• Affiliated companies under common ownership with Philio Holding, when needed to respond to your inquiry.
• Legal requirements, when required by law, subpoena, or court order, or to protect the rights, property, or safety of Philio Holding or others.
• Business transfers, in connection with a merger, acquisition, financing, or sale of assets, in which case information may be transferred as part of the transaction.

Data retention

We keep information only as long as needed for the purposes described in this policy, or as required by law. Correspondence is kept for as long as reasonably needed to manage our business relationship with you.

Security

We use reasonable administrative, technical, and physical safeguards to protect information, including encrypted connections (HTTPS) to the Site. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

Your choices and rights

Depending on where you live, you may have the right to request access to, correction of, or deletion of personal information we hold about you, and to opt out of certain uses. To make a request, email us at the address below. We will verify your request and respond within the time required by applicable law. We will not discriminate against you for exercising these rights.

Children's privacy

The Site is not directed to children under 13, and we do not knowingly collect personal information from them. If you believe a child has sent us personal information, contact us and we will delete it.

Links to other sites

The Site may link to websites operated by others, including our affiliated companies. We are not responsible for the privacy practices of sites we do not operate.

Changes to this policy

We may update this policy from time to time. When we do, we will change the effective date at the top of this page. Your continued use of the Site after an update means you accept the revised policy.

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