Privacy Policy
Last revised on: Mar 11, 2025
Engold, Inc. DBA Chatsheet AI, together with its directors, employees, agents, suppliers, partners, attorneys and
content providers (individually and collectively, "Chatsheet AI", "we," "us," "our") is committed to protecting
your personal and financial information.This Privacy Policy (the "Policy") answers some questions about your
nonpublic personally identifiable information and non-personally identifiable information we collect in connection
with your use of www.chatsheet.com (the "Site"), the Chatsheet AI services, applications and software provided
through or in connection with the service, including through a mobile device (the "Service"), how the information
will be used, what we do with it, how we protect it, and your correction or deletion of that information.
This Policy together with the Terms of Service (the “Terms”) (collectively, the “Agreement”) constitutes a
contract between you and Chatsheet AI and governs your use of the Site and/or the Service and set forth the terms
and conditions between you and Chatsheet AI when you access or use the Site or in connection with the Service,
including participation or browsing. If you breach any of the terms of the Agreement, your right to use the Site
or right to use the Service will terminate immediately.
The Agreement does not apply to the practices
of companies and third parties that Chatsheet AI does not own or control or to individuals whom Chatsheet AI does
not employ or manage. Chatsheet AI reserves the right to use and control the information collected on the Site. By
using the Site, you acknowledge that you have read and understood the Agreement and consent to the practices
described in the Agreement.
In the course of providing products and services, we need to collect and
maintain certain nonpublic personally identifiable information about you. We may use this personal information
about you to: service and maintain your account; to provide the Service; facilitate communication between you and
other users; respond to inquiries from you or your representative and/or your attorneys; develop, offer, and
deliver products and services; to serve advertisements on the Site; enable our vendors and contractors to provide
and assist us in the marketing, operation, troubleshooting and analysis of the Site and other services; to analyze
data to send more targeted messages to you or other users of our Site; to conduct research and analyze data to
improve our products, services, and the Site; to deliver email messages like special offers, updates, newsletters,
customer service, and service announcements; to protect the Site or its users; to engage in any other lawful
activities we believe are consistent with the foregoing; and when required by law or to protect against legal
liability. This personal information may include your name, email address, home address and phone number, date of
birth, social security number and/or tax identification number, employer, and job title. We use reasonable efforts
to secure access to personally identifiable information in our possession, but will not be liable for any failure
to safeguard such information, whether inadvertent or otherwise.
From time to time, we will also send
user surveys, requests for user feedback regarding user experience and Site operations or marketing offers from us
or from us on behalf of our marketing partners. The completion of these surveys or requests for feedback or
acceptance of any offer is strictly voluntary. If you do not wish to receive these offers, surveys or user
feedback emails, please opt out in any offer email you receive from us.When you access the Service, we may collect
technical and navigational information, such as computer browser type, Internet protocol address (“IP address”),
pages visited, general statistical and tracking information, your computer operating system and browser
information, and average time spent on our Sites. This information may be used, for example, to alert you to
software compatibility issues, or it may be analyzed to improve our Web design and functionality. We train our
employees about privacy and limit access to this information. To maintain security of your online session and
prevent unauthorized users from accessing your account we use firewall barriers, encryption techniques and
authentication procedures.
We will not sell, rent, license, or disclose any of your nonpublic
personally identifiable information to any nonaffiliated third parties, except as described below. If you decide
to close your account, Chatsheet AI will continue to adhere to the privacy policies and practices as described in
this notice.
We collect information about our users in four ways: (a) directly from the user, (b) from
our web server logs, (c) through cookies, pixels, and server logs, and (d) from third parties with whom we may
have agreements to perform certain functions or services on our behalf
Information Collected Through UsersAny personal information or content that you voluntarily disclose for posting on the Site (“User Content”)
becomes available to the public. You can view and modify this information within the self-maintenance area of the
Site. If you remove User Content, copies may remain viewable in cached and archived pages or if other users have
copied or stored your User Content. We reserve the right, but have no obligation, to monitor the User Content you
post on the site. We have the right to remove any information or material posted on the Site for any reason or no
reason, including without limitation, if in our sole opinion, such information or material violates, or may
violate, any applicable law, the Agreement, or to protect or defend our rights or property or those of any third
party. We also reserve the right to remove information upon the request of any third party.
-The
following information may be collected in connection with your use of the Site and Services:
-Information you provide online and on applications or other forms, or through discussions we have with you or
your representatives, such as your name, address, e-mail address, telephone number, Social Security number, date
of birth, income, employment information, investment experience, and any information about your personal goals or
objectives;
-Information entered online that may be stored even if you do not complete or submit an
application;
-Information about your transactions with or through us, such as your account balance and
account history, if applicable;
-Information from third parties in order to verify your identity,
investor status, or to prevent fraud;
-Information from third parties that you authorize to provide
information to us;
-Information you provide to us about your external financial accounts in order for
us to provide you special product and service features; and -Information regarding external financial accounts
will not be disclosed to any other entities.
If you correspond with us by e-mail, we may retain the content of your e-mail messages, your e-mail address and
our responses in our e-mail records. We will retain e-mails that are sent from Chatsheet AI to you. Emails are
subject to archival, monitoring or review by and/or disclosure to, someone other than the recipient. We retain
e-mail correspondence to build records of our relationship and to measure and improve our service. We may, over
time, delete these records if permitted by law.
You may receive periodic updates emails from Chatsheet
AI. You may opt-out of the emails at any time. Instructions for unsubscribing are included in each email.
Cookies, Web-Beacons & Server Logs
Cookies are small text files, which often include a unique but anonymous code, sent by a Site server to your Web
browser and stored on your computer. They recognize you as a repeat visitor, allowing you to log in faster and
enhance your navigation through the site and the general user experience. Cookies do not identify you by name as
an individual or by account number. Cookies also track traffic patterns on our Site, helping us understand how you
are using our Site. This information allows us to improve the security, content, navigation and functionality of
our Site. Cookies note that your browser was used to visit certain sites, pages, or advertisements on a certain
date, but are not used to collect or disseminate any personal information.
Additionally, we use cookies
on our Sites and the sites on which we advertise to track advertising performance and to collect aggregate data on
Web page viewing. We may contract with third-party service providers (e.g. Google Analytics) to assist us in
better understanding our site visitors. These service providers are not permitted to use the information collected
on our behalf except to help us conduct and improve our business.You can manually disable cookies. You should
review the online documentation of your browser or consult with the provider of your browser for instructions on
how to disable cookies. However, disabling cookies may cause some parts of the Site to not function properly.A
pixel typically a transparent graphic image that is placed on a site or in an email which allows the website to
record the simple actions of the user opening the page that contains the beacon. “Server logs” can be either a
single log file or several log files automatically created and maintained by a server of activity performed by the
server, which can include information about any transaction you conduct with the server.
Internet Protocol (IP) Address
As you enter our Site, we capture and retain the IP address of the device you are using, such as a personal
computer or a handheld device. The IP address does not identify you or your personal information and is used for
security purposes only. We may use this information to monitor and prevent fraud, diagnose problems, and
(anonymously) estimate demographic information.
Nonpublic Personally Identifiable Information
In the event that you request access to the confidential investment details and business details of an offering on
the Site or the Service, the email address linked to your Chatsheet AI user account may be furnished to the issuer
to facilitate communication between you.
Chatsheet AI does not sell, rent, or license, or otherwise
disclose nonpublic personally identifiable information about current or former clients to anyone, except in
cooperation with the government and regulatory agencies with a lawful summons, court order, subpoena, fraud
investigation, audit or regulatory examination, investigations of a violation of legal rights of Chatsheet AI or
any other person, or as permitted or required by law, to non-affiliated third parties that help us provide
services to you. Examples of these services from such third parties, companies, or individuals, may include:
-ID verification;
-Electronic document signing;
-Payment storing and processing;
-Sending postal mail and e-mail;
-Escrow services;
-Disbursement of funds;
-Analyzing data;
-Providing marketing assistance; and Providing customer service.
As such,
these third parties, companies, or individuals may have access to nonpublic personally identifiable information
concerning you that they provide to us. All non-affiliated third parties that accept or receive this information
from us are obligated contractually or by law or regulation to keep this information confidential and to use the
information only to provide the services we ask them to perform. These non-affiliated third parties will be
provided with only that information necessary to perform their functions on our behalf, and we will not allow them
to use your personally identifiable information for any other purpose. Chatsheet AI shall be entitled to transfer
to a third-party information it maintains, including any personally identifiable information, in connection with a
transaction or proceeding involving a transfer of some or all of the assets relating to the Site or a business in
connection with which such information is maintained.
We may store nonpublic personally identifiable
information in locations outside of our direct control such as on servers, or databases maintained by hosting
providers. You may decline to submit nonpublic personally identifiable information through Chatsheet AI, in which
case we may not be able to provide certain services to you. You may update or correct your account information and
email preferences at any time in your online profile.
Chatsheet AI may buy or sell assets or business
offerings. Customer, email, and visitor information is generally one of the transferred business assets in these
types of transactions. We may also transfer such information in the course of corporate divestitures, mergers, or
dissolution. In any such transfer of information, your user information would remain subject to the Agreement.
Protecting Your Information
Chatsheet AI uses commercially reasonable physical, managerial, and technical safeguards to preserve the integrity
and security of your personal information. We employ a variety of security measures, including encryption and
authentication tools. Your personal information is stored behind firewalls and is only accessible by a limited
number of people who are required to keep the information confidential.
If you have a unique password
(the "Password") for access to non-public areas of the Site, you are solely responsible for all activities that
occur in connection with your Password. Accordingly, you should take steps to protect the confidentiality of your
Password. Notify Chatsheet AI immediately if you become aware of any disclosure, loss, theft or unauthorized use
of your Password. To protect your privacy and security, maintain the secrecy of your unique Password and account
information, and for controlling access to your email communications from Chatsheet AI, at all times.
Despite these measures, we cannot guarantee that unauthorized persons will always be unable to defeat our
security measures.
Compromise of Personal Information
In the event that we learn that personal information is compromised as a result of a breach of security, Chatsheet
AI will use commercially reasonable efforts to promptly notify those persons whose personal information has been
compromised, in accordance with the notification procedures set forth in the Agreement, or as otherwise required
by applicable law.
Where You Can View and Correct Your Information
We urge you to review your information regularly to ensure that it is correct and complete. If you believe that
any of your information is incorrect, or if you have any questions regarding this Policy, please contact us at
help@chatsheet.com
Children's Privacy
This Site is intended to be used by adults. It is not intended for children. Chatsheet AI does not knowingly
collect or solicit personal information from anyone under the age of thirteen (13) or knowingly allow such persons
to register. If you are under 13, please do not send any information about yourself to us, including your name,
address, telephone number, or email address. No one under age 13 is allowed to provide any personal information to
Chatsheet AI. In the event that we learn that we have collected personal information from a child under age 13
without verification of parental consent, we will delete that information as quickly as possible. If you believe
that we might have any information from or about a child under 13, please contact us at help@chatsheet.com.
International Users The Service
may be accessed by users located outside the United States. If you choose to use the Service from the European
Union or other regions of the world with laws governing data collection and use that may differ from U.S. law,
then please note that you are transferring your personal information outside of those regions to the United
States, and that by providing your personal information on or through the Site then you consent to that transfer.
Links to Third-Party Sites
When you select a link to a third-party site, you are subject to the privacy and security policies of the third
party and Chatsheet AI' Policy is no longer in effect. Chatsheet AI does not control the privacy policies or the
privacy practices of any third parties. We are not responsible for the practices employed by Sites linked to or
from our Site nor the information or content contained therein. Your browsing and interaction on any other Site,
including those that have a link on our Site, is subject to that Site's own rules and policies. Please read over
those rules and policies before proceeding.
Notification Procedures
It is our policy to provide notifications, whether such notifications are required by law or are for marketing or
other business related purposes, to you via email notice, written or hard copy notice, or through conspicuous
posting of such notice on our Site page, as determined by Chatsheet AI in its sole discretion. We reserve the
right to determine the form and means of providing notifications to you, provided that you may opt out of certain
means of notification as described in the Agreement.
Opt-out Policy
We may at times send you e-mail communications with marketing or promotional materials. If you prefer not to
receive such marketing or promotional e-mails from us, you may unsubscribe completely by emailing us at:
removeme@chatsheet.com.
Please note that opt-out requests may take up to forty-eight (48) hours
to process. Please also note that at times we may need to send you e-mail communications that are transactional in
nature such as service or termination announcements or payment confirmations which are communications you will not
be able to opt-out of.
You will be able to modify the information concerning your account by visiting
your profile page and editing any information you wish to change. You will be able to change your e-mail address,
password, contact information, or other login information by visiting your account’s settings page subject to our
website policy. If you wish to delete your account or need help modifying account information, please contact us
at removeme@chatsheet.com. We will require up to forty-eight (48) hours to process such requests.
You may stop or restrict the placement of our cookies, Google’s cookies and third-party cookies on your computer
by adjusting your web browser preferences or a “Do Not Track” setting in your web browser. If you do so, you may
still use our website, but this may interfere with some of its functionality.
If you would like us to
remove your personally identifiable information from our database, please send a request to:
removeme@chatsheet.com.
We are not responsible for removing your personally identifiable
information from the lists of any third-party services or other third party who has previously been provided your
information in accordance with this notice.
Changes to this Privacy Policy
Chatsheet AI reserves the right to make changes to the contents of the Policy, modify, add, or remove portions of
this notice at its’ sole discretion without notice or liability. You agree to review our Privacy Policy along with
other notices and procedures posted on the Site prior to using our Service. Any changes or updates become
effective immediately upon posting to this Site. Changes to the Policy will be reflected at the top of this Web
page with a posting of a “last updated” date. Please be sure to check this page periodically for changes. You are
bound by changes to the Policy when you use the site after those changes have been posted.
By using the
Site, you consent to the Agreement. If you do not agree with some, or all of the terms of the Agreement, you may
not visit our Site or use the Service.
If you have questions about the Privacy Policy or would like to
suggest improvements, please contact us at help@chatsheet.com.
Governing Law
You agree that: (i) the Service shall be deemed solely based in the Delaware; and (ii) the Service shall be deemed
a passive one that does not give rise to personal jurisdiction over Chatsheet AI, either specific or general, in
jurisdictions other than the State of Delaware. These Terms of Service shall be governed by the internal
substantive laws of the State of Delaware, without respect to its conflict of laws principles.
Arbitration of Disputes Brought by a User
You agree that any claim asserted against Chatsheet AI, or its directors, officers or employees, or any
controversy or claim arising out of or relating to this Agreement, the Site, the Service, this Privacy Policy, the
Terms of Service, or other operating rules, policies, and procedures that may be published on the Site (including
the question of whether any particular matter is arbitrable under this Agreement concerning the construction,
interpretation and effect of this Agreement or any claims in this Agreement, or the rights and liabilities of a
User under this Agreement), or the breach thereof, shall be settled by arbitration administered JAMS/ADR Services
in accordance with its expedited Commercial Arbitration Rules, and judgment on the award rendered by the
arbitrator may be entered in any court having jurisdiction thereof. The location for any such arbitration shall be
in San Francisco, CA. There shall be one arbitrator who shall be chosen in accordance with the rules of the
JAMS/ADR Services. In the event of any claim, controversy or alleged dispute between you and Chatsheet AI, its
members or affiliates you hereby agree to attempt in good faith to amicably resolve any such dispute at least
thirty (30) days before instituting any legal proceeding.
Resolution of Disputes Brought by Chatsheet AI
You agree that any claim by Chatsheet AI against a User may be brought pursuant to the JAMS/ADR Services or may be
adjudicated by a court of competent jurisdiction, either in San Francisco, CA, USA, or where the User is located
(either the User’s home address or the address of the User’s principal place of business). With respect to the
foregoing, the manner of dispute resolution and its venue is at Chatsheet AI’ discretion and without reference to
the choice of laws provisions of any jurisdiction. The User agrees to submit to the personal jurisdiction of the
courts located in San Francisco, CA, USA.
Class Action Waiver
Any claim must be brought in the respective party’s individual capacity, and not as a plaintiff or class User in
any purported class, collective, representative, multiple plaintiff, or similar proceeding (“Class Action”). The
parties expressly waive any ability to maintain any Class Action in any forum. The arbitrator shall not have
authority to combine or aggregate similar claims or conduct any Class Action nor make an award to any person or
entity not a party to the arbitration. Any claim that all or part of this Class Action Waiver is unenforceable,
unconscionable, void, or voidable may be determined only by a court of competent jurisdiction and not by an
arbitrator.
Waiver of Counterclaims
You agree to waive all rights to interpose any claims, deductions, setoffs or counterclaims of any nature (other
than compulsory counterclaims) in any action or proceeding with respect to this Agreement or any matter arising
therefrom or relating hereto or thereto.
Your European Privacy Rights
For European residents only.
Under European data protection law, in certain circumstances, you have the
right to:
- Request access to any personal information we hold about you (“Subject Access Request”) as
well as related information, including the purposes for processing the personal information, the recipients or
categories of recipients with whom the personal information has been shared, where possible, the period for which
the personal information will be stored, the source of the personal information, and the existence of any
automated decision making;
- Obtain without undue delay the rectification of any inaccurate personal
information we hold about you;
- Request that personal information held about you is deleted;
- Prevent or restrict processing of your personal information; and
- Request transfer of personal
information directly to a third party where this is technically feasible.
- Also, where you believe
that Chatsheet AI has not complied with its obligation under this privacy policy or European law, you have the
right to make a complaint to an EU Data Protection Authority, such as the UK Information Commissioner’s Office.
You can exercise any of these rights by contacting us using the Contact Us page or removeme@chatsheet.com.