Last Updated on 09/24/2025. This privacy policy is effective immediately.

Introduction

At PHD Financial LLC (the "Company" or "We"), we respect your privacy and are committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit this website (our “Website”), and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

• On this Website.

• In e-mail, text, and other electronic messages between you and this Website.

• Through mobile and desktop applications you download from this Website, which provide non-browser-based interaction between you and this Website.

• When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.

This policy does not apply to information collected by:

• Us offline or through any other means, including on any other website operated by the Company or any third party (including our affiliates and subsidiaries).

• Any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Please read this policy carefully. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time, so please check it periodically for updates.

Children Under the Age of 13

Our Website is not intended for children under 13 years of age. No one under age 13 may provide any personal information on the Website. We do not knowingly collect personal information from children under 13. If we learn that we have collected or received personal information from a child under 13 without verification of parental consent, we will delete it. Please contact us through our Contact Us link if you believe we might have such information.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including:

• Personal Identifiable Information (PII): name, address, email, phone number, or other identifiers under applicable law.

• Non-identifying data that relates to you but cannot identify you personally.

• Technical data about your internet connection, the equipment you use, and browsing patterns.

Sources of information include:

• Direct input from you (e.g., forms, transactions, correspondence).

• Automated technologies (e.g., cookies, IP tracking, analytics).

• Third-party sources (e.g., advertising or service partners).

Information You Provide to Us

This may include:

• Account registration and service forms.

• Customer service inquiries and support tickets.

• Survey responses.

• Transaction and order fulfillment details.

• Search queries and public user contributions (e.g., comments, forums).

Please be aware that public contributions are made at your own risk, and while we offer some privacy controls, we cannot guarantee absolute protection against unauthorized viewing.

Automatic Data Collection Technologies

We collect data about your browsing and device use, such as:

• Pages visited, clickstream data, search queries.

• Device data: IP address, browser type, operating system.

• Behavioral data across third-party platforms.

We use cookies, flash cookies, and web beacons to improve functionality, speed, personalization, and security. You may manage cookie settings in your browser.

Third-party Use of Cookies and Tracking

Some content, including ads, may be served by third parties who may collect personal or behavioral data using their own tools. We do not control their tracking activities.

If you have concerns about specific content or ads, please contact the responsible third party directly.

How We Use Your Information

We use collected data to:

• Present and improve our Website.

• Deliver the services or products you request.

• Send account, billing, and renewal notifications.

• Communicate about updates or policy changes.

• Administer promotions, features, or surveys.

• Enforce contractual obligations.

• Support marketing initiatives with your consent.

We may use aggregate data for audience analytics and advertising but do not disclose your personal data without consent.

Disclosure of Your Information

We may disclose:

• Non-identifiable or aggregated data for any purpose.
• Personal data to subsidiaries, affiliates, contractors, or successors for legitimate business operations under confidentiality agreements.
• To comply with legal processes or protect rights, safety, or property.
• With your consent, to third parties offering services or products.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

PHD Financial LLC does not sell or share personal data for marketing purposes.

Your Rights and Choices

You can:

• Adjust browser settings to block cookies.

• Use tools such as the Network Advertising Initiative (NAI) opt-out page.

• Request data access, correction, or deletion by contacting us.

Note: Deleting personal information may also result in the deletion of your user account. Certain records may persist for legal or technical reasons.

California Privacy Rights

Under California Civil Code § 1798.83, California residents can request information on disclosures to third parties for direct marketing. Please use the Contact Us link to submit your request.

Data Security

We implement safeguards to protect your data from unauthorized access and disclosure. However, transmission over the Internet carries risks. We cannot guarantee complete security.

You are responsible for maintaining the confidentiality of your password and access credentials.

Changes to Our Privacy Policy

We will post any updates on this page and notify users of material changes via email or homepage alert. The effective date will always be posted at the top.

Contact Information

If you have questions or concerns regarding this privacy policy, please reach out via our Contact Information found on our footer.