Effective Date: August 20, 2026

Last Updated: August 20, 2026

This Privacy Policy explains how Second Engine Holdings, a DBA of SOB Endeavors, LLC ("Second Engine Holdings," "we," "us," or "our") handles personal information in connection with our Payhip storefront, digital products, customer support, and related services.

We respect the privacy of our customers and seek to collect and use only the information reasonably necessary to operate our business, fulfill purchases, provide support, protect our products and customers, and comply with applicable legal obligations.

1. Scope of This Policy

This Privacy Policy applies to information associated with:

• Visiting or interacting with our Payhip storefront
• Purchasing or downloading our digital products
• Completing checkout questions or acknowledgments
• Communicating with us for customer service or product support
• Requesting a refund or other transaction-related assistance
• Receiving product-related communications
• Otherwise interacting with Second Engine Holdings in connection with products sold through our store

Our storefront is hosted and operated using Payhip, which maintains its own privacy and cookie practices. Payment transactions may also involve independent payment processors or other service providers that maintain their own privacy policies.

2. Information We May Receive or Process

The information available to us depends upon how you interact with our store and the information you choose to provide.

It may include:

Contact Information

• Email address
• First and last name, if collected or voluntarily provided
• Other contact information you voluntarily provide when contacting us

Purchase and Transaction Information

We may receive information such as:

• Products purchased
• Purchase date
• Purchase amount
• Currency
• Transaction or order status
• Refund status
• Payment method or payment-provider designation
• Coupon or discount information
• Download or product-access information
• Other transaction-related records provided through Payhip

We do not receive or store your full credit-card or debit-card number through ordinary Payhip transactions.

Payment information is processed by the payment providers made available through Payhip or otherwise involved in completing the transaction.

Checkout Information

If checkout questions or required acknowledgments are enabled, we may receive and retain your responses.

For example, we may require confirmation that you:

• Have reviewed compatibility requirements
• Understand the nature of the digital product being purchased
• Accept applicable License and Terms of Use
• Accept the applicable Digital Product and Refund Policy
• Consent to immediate delivery of digital content where applicable

These responses may be retained as part of the transaction record.

Communications and Support Information

If you contact us, we may receive information contained in your communication, including:

• Your email address
• Your name
• Order information
• Product questions
• Technical-support information
• Screenshots or files you voluntarily provide
• Correspondence regarding refunds, disputes or other customer-service matters

Please do not send sensitive personal information that is unnecessary for us to resolve your request.

Technical and Usage Information

Payhip and other service providers may automatically process technical information associated with use of the storefront, such as:

• IP address
• Browser type
• Device information
• Operating system
• Page activity
• Referral information
• Cookies or similar technologies
• Security and fraud-prevention data

Some of this information may be processed by Payhip or other service providers without being directly available to Second Engine Holdings.

3. How We Use Personal Information

We may use personal information for legitimate business purposes including:

Processing and Fulfilling Purchases

To:

• Confirm purchases
• Deliver digital products
• Maintain purchase records
• Provide access to purchased content
• Re-send download information when appropriate
• Process refunds or transaction adjustments when applicable

Customer Support

To:

• Respond to questions
• Troubleshoot product problems
• Verify purchases
• Resolve download or access issues
• Investigate reported errors
• Communicate regarding customer-service matters

Product Administration

We may use purchase information to:

• Provide important information concerning a product you purchased
• Communicate material corrections, security information, compatibility issues or significant product updates
• Maintain appropriate product and customer records

Transaction-related or support-related communications are not necessarily marketing communications.

Fraud Prevention and Product Protection

Information may be used where reasonably necessary to:

• Detect or investigate suspected fraud
• Prevent unauthorized transactions
• Enforce product licensing restrictions
• Investigate unauthorized distribution
• Enforce download limits
• Respond to chargebacks or payment disputes
• Protect our intellectual property
• Protect the rights or security of our business, customers or others

Legal and Business Compliance

We may process or retain information when reasonably necessary to:

• Maintain accounting and business records
• Comply with tax requirements
• Respond to valid legal requests
• Establish, exercise or defend legal claims
• Comply with applicable laws, regulations, court orders or governmental requirements

4. Marketing Communications

We do not require customers to subscribe to promotional marketing communications merely because they purchase a product.

If we offer an optional mailing list, newsletter or promotional program, marketing communications will be handled in accordance with applicable law and the choices made by the customer.

Where an unsubscribe mechanism is provided, you may use it to stop receiving applicable marketing communications.

Opting out of marketing does not necessarily prevent us from sending non-promotional communications reasonably necessary to:

• Fulfill a purchase
• Provide customer support
• Address an account or transaction issue
• Provide important information concerning a product you purchased
• Satisfy legal or administrative obligations

5. How Personal Information May Be Shared

We do not sell or rent customer personal information to unrelated third parties for their own independent marketing purposes.

Information may nevertheless be processed or disclosed where reasonably necessary to operate our business, including through the following categories of recipients.

Payhip

Our storefront, checkout, customer records and digital-product delivery are operated through Payhip.

Payhip independently processes information in accordance with its own policies and applicable obligations.

Payment Processors

Purchases may be processed through payment providers supported by Payhip.

Those providers process payment and transaction information under their respective privacy and security practices.

Second Engine Holdings does not ordinarily receive customers' complete payment-card credentials.

Business Service Providers

We may use reputable service providers for ordinary business functions such as:

• Email
• Customer support
• File storage
• Accounting
• Business administration
• Fraud prevention
• Security
• Legal or professional services

Such providers may process information only to the extent reasonably necessary to provide the applicable service or as otherwise permitted by law.

Legal Requirements and Protection of Rights

We may disclose information if we reasonably believe disclosure is necessary to:

• Comply with applicable law
• Respond to a valid subpoena, court order or governmental request
• Investigate suspected fraud
• Address a payment dispute or chargeback
• Enforce our agreements
• Protect our intellectual property
• Protect the safety, security, rights or property of Second Engine Holdings, SOB Endeavors, LLC, our customers or others

Business Transactions

If all or part of our business is involved in a merger, acquisition, restructuring, financing, sale of assets or similar transaction, relevant business records may be transferred as permitted by applicable law.

Any successor's use of personal information remains subject to applicable privacy obligations.

6. Payment Information

Payments made through our Payhip storefront are handled through Payhip and the applicable payment provider.

Second Engine Holdings does not ordinarily collect or store full payment-card numbers, card security codes or complete online-payment credentials.

Customers should review the privacy practices of Payhip and the payment provider they choose for additional information concerning payment-data processing.

7. Cookies and Similar Technologies

Because our store operates through Payhip, Payhip and its service providers may use cookies or similar technologies for purposes such as:

• Store functionality
• Checkout operation
• Authentication
• Security
• Fraud prevention
• Performance
• Analytics
• Remembering user preferences
• Other platform functions

The availability of cookie controls and consent mechanisms may depend upon Payhip, the technologies in use and the visitor's jurisdiction.

For additional details about platform-level cookies and tracking technologies, customers should review Payhip's current Privacy and Cookies Policy.

If we later introduce additional analytics, advertising or tracking technologies under our own control, this Privacy Policy may be updated accordingly.

8. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected or as otherwise required or permitted by law.

Retention periods may vary depending upon the type of information involved.

For example, certain information may need to be retained for:

• Transaction records
• Tax and accounting obligations
• Customer support history
• Fraud prevention
• Chargeback or dispute defense
• Intellectual-property enforcement
• Contract administration
• Legal claims or compliance requirements

A request for deletion may therefore not require us to erase information that we are legally required or otherwise lawfully permitted to retain.

9. Data Security

We use reasonable administrative, organizational and technical measures appropriate to the nature of the information available to us.

We also rely on third-party platforms and providers, including Payhip and payment processors, for portions of our storefront, checkout, payment processing and digital delivery.

No method of electronic transmission, storage or online processing can be guaranteed to be completely secure.

Accordingly, while we seek to handle personal information responsibly, we cannot guarantee absolute security against every unauthorized access, disclosure, loss, alteration or cyber incident.

10. International Processing

Payhip, payment providers and other service providers may process information in countries or jurisdictions different from the country in which you reside.

Where required, such processing is subject to applicable contractual, statutory or other lawful data-transfer mechanisms implemented by the applicable service provider.

11. Your Privacy Rights

Depending upon where you live and the laws that apply, you may have certain rights regarding your personal information.

These may include the right to:

• Request confirmation of whether we process personal information about you
• Request access to certain personal information
• Request correction of inaccurate information
• Request deletion of qualifying information
• Request a portable copy of qualifying information
• Restrict or object to certain processing
• Withdraw consent where processing is based upon consent
• Opt out of certain types of marketing
• Opt out of certain uses of personal information where required by applicable law
• Appeal certain decisions concerning a privacy request where applicable

These rights are subject to exceptions, limitations and verification requirements under applicable law.

To submit a privacy request, contact:

support@getcapitalturn.com

Please include enough information for us to reasonably identify the relevant customer or transaction.

We may request reasonable verification before fulfilling a request in order to protect customers from unauthorized disclosure or deletion of their information.

Where applicable law permits an authorized agent to submit a request on your behalf, we may request proof of the agent's authority and appropriate identity verification.

We will not unlawfully discriminate against a customer for exercising an applicable privacy right.

12. California and Other U.S. State Privacy Rights

Residents of certain U.S. states may have additional privacy rights under applicable state law.

Depending upon the jurisdiction and whether the applicable law applies to our business, these rights may include access, correction, deletion, portability, or the ability to opt out of certain forms of:

• Personal-data sale
• Targeted advertising
• Sharing for cross-context behavioral advertising
• Certain profiling activities

Second Engine Holdings does not sell or rent customer information to unrelated third parties for their own independent marketing purposes.

If you believe a state privacy law provides you with an additional right, you may submit a request to:

support@getcapitalturn.com

We will evaluate requests under the law applicable to the request and our business.

13. European Economic Area, United Kingdom and Similar Jurisdictions

Where the General Data Protection Regulation, United Kingdom GDPR or similar data-protection laws apply, personal information may be processed on one or more lawful bases, including:

• Performance of a contract, such as fulfilling a purchase
• Compliance with a legal obligation
• Legitimate business interests, where those interests are not overridden by applicable individual rights
• Consent, where consent is required and obtained
• Establishment, exercise or defense of legal claims

Where applicable, individuals may also have the right to lodge a complaint with the appropriate data-protection authority.

14. Children's Privacy

Our storefront and products are intended for a general adult commercial audience and are not directed toward children under the age of 13.

We do not knowingly seek to collect personal information from children under 13.

If we learn that personal information from a child has been collected in circumstances requiring deletion under applicable law, we will take reasonable steps to address the matter.

A parent or legal guardian who believes that a child has provided personal information to us may contact:

support@getcapitalturn.com

15. Third-Party Websites and Services

Our store or digital products may contain links to websites, platforms or services that we do not own or control.

The privacy, security and data-processing practices of those third parties are governed by their own policies.

Second Engine Holdings is not responsible for the independent privacy practices of third-party websites or services.

16. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect:

• Changes in our products or services
• Changes in Payhip or other service providers
• Changes in our business practices
• Changes in legal or regulatory requirements
• New features or technologies

When this policy is materially revised, we will update the Last Updated date shown above and may provide additional notice when appropriate or required by law.

The version posted on our store is the current version applicable to our storefront.

17. Contact Us

Questions, concerns or privacy requests may be directed to:

Second Engine Holdings

A DBA of SOB Endeavors, LLC

Email: support@getcapitalturn.com

Please include "Privacy Request" in the subject line when submitting a request concerning your personal information.