diff --git a/includes/class-tmdo-schema-registry.php b/includes/class-tmdo-schema-registry.php
index 442af5d..95225ff 100644
--- a/includes/class-tmdo-schema-registry.php
+++ b/includes/class-tmdo-schema-registry.php
@@ -282,7 +282,8 @@ class TMDO_Schema_Registry {
 	 * Whether a field may appear in the public listings endpoints: declared
 	 * show_in_rest, not a protected meta key (leading underscore — WordPress
 	 * hides those from public output, e.g. _purchase_note), and not named like a
-	 * credential (tokens, secrets, passwords, API keys), whatever it declares.
+	 * credential (tokens, secrets, passwords, API keys) or a contact / location
+	 * detail (email, phone, address, IP), whatever it declares.
 	 *
 	 * @param array<string, mixed> $field Registered field.
 	 * @return bool
@@ -291,7 +292,9 @@ class TMDO_Schema_Registry {
 		$key = (string) ( $field['meta_key'] ?? '' );
 		return ! empty( $field['show_in_rest'] )
 			&& 0 !== strpos( $key, '_' )
-			&& 1 !== preg_match( '/token|secret|passw|api_?key|private_?key|credential|salt|nonce/i', $key . ' ' . ( $field['column'] ?? '' ) );
+			&& 1 !== preg_match( '/token|secret|passw|api_?key|private_?key|credential|salt|nonce/i', $key . ' ' . ( $field['column'] ?? '' ) )
+			// Contact and location details (2.3 PR-096): private even when declared public.
+			&& 1 !== preg_match( '/e_?mail|phone|address|(^|_)ip(_|$|\s)/i', $key . ' ' . ( $field['column'] ?? '' ) );
 	}
 
 	/**
diff --git a/tests/unit/RestApiTest.php b/tests/unit/RestApiTest.php
index b30cf7c..60c9aba 100644
--- a/tests/unit/RestApiTest.php
+++ b/tests/unit/RestApiTest.php
@@ -164,6 +164,21 @@ class RestApiTest extends TestCase {
 		$this->assertSame( array( 'id', 'post_type', 'hp_price' ), array_keys( $data ) );
 	}
 
+	public function test_contact_and_address_keys_stay_private_even_when_declared_public(): void {
+		$private = array( 'hp_email', 'hp_contact_e_mail', 'hp_phone_number', 'hp_address', 'billing_address_1', 'hp_ip', 'hp_client_ip_addr' );
+		$public  = array( 'hp_price', 'hp_description', 'hp_tip_amount', 'hp_shipping_days' );
+		$fields  = array();
+		$values  = array();
+		foreach ( array_merge( $private, $public ) as $key ) {
+			$fields[]       = array( 'meta_key' => $key, 'zone' => 'cold', 'show_in_rest' => true );
+			$values[ $key ] = 'v';
+		}
+
+		$data = $this->listing_with( $fields, $values );
+
+		$this->assertSame( array_merge( array( 'id', 'post_type' ), $public ), array_keys( $data ) );
+	}
+
 	public function test_rest_visible_columns_exclude_protected_and_credential_keys(): void {
 		$registry = WPDO_Schema_Registry::instance();
 		$registry->register( 'test', array( 'post_type' => 'hp_listing', 'meta_key' => 'hp_price', 'zone' => 'hot', 'column' => 'hp_price', 'show_in_rest' => true ) );