Phillips 66
Energy
54
out of 100. Number 179 of 512, counting from the worst.
Where Phillips 66 does well
- Renewals 2 of 20. Few problems found.
- The Privacy Statement states plainly 'We do not sell and have not sold your personal data' and adds 'We do not ... share your personal data for cross-context behavioral advertising' — explicit no-sale commitments many peers avoid.
- The Fuel Forward app has a clear in-app account deletion flow (Account > Privacy & Terms > Delete Account, with a texted verification code), and on deletion the company deletes the profile, credentials, saved payment methods, transaction receipts, and rewards balance.
- The credit card's arbitration clause includes a written 60-day opt-out (mail to Orlando, FL) and a small-claims carve-out — genuinely more escape-friendly than most bank arbitration clauses.
- The Privacy Statement commits to 'make reasonable efforts to notify you before your personal data is transferred and becomes subject to a different privacy policy' in any merger/acquisition, and gives Texas residents a 60-day written appeal process for rights requests with escalation to the Texas Attorney General.
Holders of the Phillips 66-branded credit card give up the right to sue in court or join a class action; almost any dispute goes to private arbitration by default.
The fine print
6 clauses and findings from the draft archive, dated 1 October 2026. The plain English comes first; the small print is the company's own words. None of these has been checked yet.
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Holders of the Phillips 66-branded credit card give up the right to sue in court or join a class action; almost any dispute goes to private arbitration by default.
PLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT, AND MOST DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE; (2) YOU WILL NOT BE ABLE TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING; (3) LESS INFORMATION WILL BE AVAILABLE; AND (4) APPEAL RIGHTS WILL BE LIMITED.
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Class actions are banned outright. You can use small-claims court, and the bank can sue you in court to collect a debt — but if you fight back with a counterclaim, it can drag you into arbitration anyway. Asymmetric: they keep court as a weapon, you don't.
YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION AGAINST US IN COURT OR ARBITRATION. ... We will not require you to arbitrate: (1) any individual case in small claims court ... or (2) a case we file to collect money you owe us. However, if you respond to the collection lawsuit by claiming any wrongdoing, we may require you to arbitrate.
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Phillips 66 can rewrite its Terms of Use whenever it wants without telling you; just visiting the site afterwards counts as agreeing. It's on you to keep re-reading.
Phillips 66 reserves the right to modify them at any time, and without actual notice to you. You should check these Terms periodically for changes. ... By entering and/or using the Services following any modifications to the Terms, you agree to be bound by any such modifications to the Terms.
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Your precise phone location, browsing, inferred interests, and data bought from brokers and social media get stitched into one profile and used for targeted ads — with no opt-in required.
We may use your personal data to provide you with tailored content, send you advertisements and promotional materials, analyze the effectiveness of advertisements and promotional materials ... We may also collect precise geolocation information to determine your actual location. ... We may draw inferences from any of the categories of data above ... to help us tailor our communications to you ... From time to time, we may also use or augment the personal data we have about you obtained from other sources, such as public databases, social media platforms and other third parties. We may also combine information we get from a third party with information we already have, and we may combine information that we have collected offline with information we collect online.
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Visiting the site means you waive any privacy rights that go beyond what Texas or federal law guarantees. If your state (e.g., California) gives you stronger privacy protections, you are asked to give them up.
By accessing or visiting our Services, you expressly waive any and all rights, including those related to privacy, to the extent such rights are different and/or in conflict with those rights protected by federal or Texas laws.
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If your branded gift card is lost or stolen, the money is gone — no replacement. And Phillips 66 points to a third-party issuer and says it's not on the hook at all.
Safeguard your card; it will not be replaced if lost, stolen or used without authorization. CARD2202, Inc. is the card issuer and sole obligor to card owner. ... However, Phillips 66 is not affiliated with CARD2202, Inc. and is not an obligor to card owner.
Phillips 66 | Conoco | 76 Terms & Conditions (gift cards), search snippet from official domain
How these were found
Docs read via browser_open: phillips66.com Terms of Use (https://www.phillips66.com/terms-conditions; no last-updated date visible in the fetched text), Privacy Statement (Last Updated: December 16, 2025, https://www.phillips66.com/privacy-statement/), Privacy Statement for California Residents (Effective March 24, 2025, https://www.phillips66.com/privacy-statement-for-california-residents/). The arbitration finding comes from the Phillips 66/Conoco/76/Phillips 66 Aviation Personal Credit Card Agreement (dated 03/16, i.e., March 2016) hosted as a CFPB mirror at https://files.consumerfinance.gov/a/assets/credit-card-agreements/pdf/1_2018_Phillips%2066%2C%20Conoco%2076%2C%20Phillips%2066%20Aviation%20Account%20Agreement%20%26%20Pricing%20Information.pdf — it is Synchrony Bank's agreement, not Phillips 66's own paper, though it governs the Phillips 66-branded consumer credit card and binds disputes involving Phillips 66 Company. No forced arbitration appears in the phillips66.com Terms of Use itself. The gift-card non-replacement clause was verified from search-result snippets on the official phillips66.ourgiftcards.com domain (page not opened in full). No mirrors (OpenTermsArchive etc.) were needed.
These notes come from the original draft and are not independent verification.