Privacy Policy

FILIT LLC ("FILIT," "we," "us," or "our") provides business communication and account-related services to commercial clients. This Privacy Policy describes how we collect, use, protect, and disclose personal information in connection with those services, including SMS and MMS communications.
 

1. Collection of Information
 

FILIT may receive personal and business information, including names, telephone numbers, business contact information, account details, contractual information, and records of communications. Such information may originate from commercial agreements, applications, authorizations, or other documentation executed by merchants, guarantors, or other business contacts. FILIT may also maintain records of messages, communication preferences, consent documentation, and opt-out requests.
 

2. Use of Information
 

FILIT performs authorized business services, including account administration, customer communications, payment notifications, document requests, and other communications relating to existing commercial relationships. FILIT does not independently solicit individuals to enroll in unrelated marketing or promotional messaging campaigns.
 

3. SMS/MMS Communications and Consent
 

FILIT may facilitate SMS/MMS communications on behalf of its commercial clients where the intended recipient has provided applicable authorization. Such authorization may be obtained directly through executed commercial agreements, separate SMS consent provisions, or other legally recognized methods. Where FILIT relies on consent, communications are limited to the scope of that consent and applicable law. FILIT may request or maintain supporting consent documentation and records of withdrawal. Authorized messages may concern commercial account information, outstanding balances, payment reminders, payment arrangements, document requests, and related business matters. Message frequency varies. Message and data rates may apply. Recipients may reply STOP to opt out of text messaging or HELP for assistance. Applicable opt-out requests will be honored.
 

4. Protection of Mobile Information
 

FILIT LLC does not sell or share mobile telephone numbers, SMS opt-in information, or SMS consent records with third parties or affiliates for marketing or promotional purposes. Mobile information received from clients is used solely for authorized business communications and related operational purposes. FILIT may disclose information to telecommunications carriers, messaging service providers, and other contracted service providers only as reasonably necessary to operate its communication services, subject to applicable confidentiality and data protection requirements. SMS consent information is not sold, transferred, or disclosed for unrelated marketing campaigns.
 

5. Disclosure of Information
 

FILIT may disclose relevant information to its clients, authorized representatives, legal professionals, technology providers, and other service providers as necessary to perform authorized business functions, administer accounts, or comply with applicable legal obligations.

Such disclosures remain subject to applicable privacy protections and the restrictions concerning mobile messaging information described above.
 

6. Security and Record Retention
 

FILIT maintains reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, use, or disclosure. Records may be retained as reasonably necessary for legitimate business operations, contractual requirements, compliance obligations, and the documentation of messaging consent.
 

7. Communication Preferences
 

Recipients may withdraw consent to SMS/MMS communications at any time by replying STOP or contacting FILIT through its designated support channels. Withdrawal of messaging consent does not affect existing contractual obligations or prevent communications through other legally permissible methods.
 

8. Policy Updates

FILIT may revise this Privacy Policy periodically. Updates will be published on our website with the applicable revision date.
 

9. Contact Information
 

Administrator@filit.io