This Privacy Policy, describes the types of personal information we collect and how we use that information. It also describes the choices available to you regarding our use of your personal information and how you can access, update, and restrict our use of your information. By accessing our website at www.or our mobile application (collectively, the “Website”), you signify that you have read this Privacy Policy, and you expressly consent to our collection, use, disclosure, storage and protection of your personal information as described in this Privacy Policy.

Who We Are

SASS provides an online platform to connect people through lending. We are a New York for profit corporation with headquarters in New York.

Personal Data We Collect (and How We Collect It)

Basic Personal Information. When you create an account on the Website, we collect your name, email address, and a means to authenticate your account (for example, a password). You may also choose to provide additional information, such as your phone number, your location, a picture, your address, and your payment account identifying information.  We may receive some information about you from other SASS Users (for example, if they invite you to use the Program, or in order to deliver a SASS Card purchased for you) and from third-party payment processing providers like PayPal (for example name, payment account email address, and in some cases physical address).

Transaction Activity.  We record information about deposits to your account and the Loans you make through the Program, individually (for example, amount and recipient of a Loan) and in the aggregate (for example, number of Loans made and distribution by gender, country, and sector).  We also collect information on any donations you make to SASS (whether through the Website or offline).  If you purchase a SASS Card, we collect information about your purchase (for example, your name, the purchase date, and the amount) and information you provide about your recipient (for example, name and email or physical address for delivery).  If you redeem a SASS Card, we record (and may disclose to the purchaser) your Lender profile and the date you redeem the SASS Card.

Other Use of SASS' Website and Features.  We may collect other information you choose to provide in order to facilitate your participation in the Program or use of Website features.

• • If you make changes to your SASS account preferences (for example, receiving marketing information from us, instructions on whether to automatically lend funds in your account, and whether to donate inactive account funds), we record that information.
  • If you join a lending team, we collect information on the Loans you attribute to the team and any comments you post to the team message board.
  • We also collect comments you post to any other Web page hosted by SASS (such as a Loan page, blog, or volunteer forum), or through SASS' Lender messaging feature.
  • If you invite a friend to use the Website, we will ask you for your friend’s name and email address. SASS stores this information for the sole purposes of sending your friend a one-time email inviting him or her to visit the Website, giving you the ability to send your friend reminders, and tracking the success of our referral program. If you choose to import contacts from your email account address book to invite friends to our Website, we or our service providers will collect your email, username, and password and we will only use them for that purpose.

‍Other Interactions with SASS.

• • If you contact SASS customer service, we will collect the information you provide (for example, your name, email address, physical address, phone number and comment) in order to respond to you.
  • If you submit an application to SASS (for example, to be an employee, volunteer, or Trustee), we collect the information you submit (for example, name, phone number, resume, cover letter, and position of interest) to review your application and follow up with you.
  • If you participate in a survey or other promotion, we may request certain personal information from you (for example, name, address, and demographic information).

‍Authentication Information from Third-Party Applications.  If you choose to access the Website through a third-party integration, you grant SASS permission to access and use certain information about you from that third-party application in accordance with the third-party application’s terms of use:

• • If you sign into the Website through your Facebook account, you grant SASS permission to access your public Facebook information (including account email address and photograph), as well as a list of your Facebook friends who also use SASS, and whether you opt to show your SASS lending activity to your friends through Facebook.
  • If you sign into the Website through your Google account, you grant SASS permission to access your email address and public Google profile information.
  • If you sign into the Website through your Apple ID, you may choose to grant SASS access to your name and email address in accordance with Apple’s terms of use and settings.

SASS may from time to time offer similar third-party integrations with other services. Technical Data.  Regardless of whether you have a SASS account, we use tools like cookies, web beacons, and other automated systems to collect data on your behavior when you use the Website.  If you have enabled cookies in your browser or if you use SASS' mobile application, SASS, independently and through third-party tools and programs (such as Google Analytics), collects certain technical information (for example, your path to the Website, pages visited, originating IP address, device type, browser type, browser language, network connection type, and the date and time of your visit).  We use these tools to analyze data to improve User experiences and prevent fraud. Please note that many internet browsers offer a Do Not Track (DNT) setting; because there is no industry or legal standard for DNT signals, SASS does not respond to them. If you provide information to us about individuals other than yourself, you must ensure that they have given their permission for you to disclose the information to us and for you to allow us to use it in the ways described in this Privacy Policy. Accessing and Updating Your Personal Information. This policy describes the types of data we collect, as well as the sources from which we obtain it, the purposes for which we use it, and the categories of third parties with which we share data.  You have the right to access the specific personal data SASS has on you. You can view this information through your SASS account.  You also have the right to request that we provide some of your personal data to you (or to another third party), in a machine-readable format. To make such a request, or if you have additional questions about information S has collected on you, please reach out to us a .If your personal information changes, you may update, amend, or remove certain information by signing into your  account and making the change in your account settings, or by contacting S. We will respond to your requests within 30 days.How SASS Uses Your Personal Information - We will only collect and use your personal data (i) to carry out the terms of a contract we have entered into with you (including providing our services pursuant to our ), (ii) where you have given consent, or (iii) where we have a legitimate interest in conducting our operations, such as:

• • to facilitate access to your SASS account;
  • to personalize your experience using the Website, both through user settings and through automated profiling to better engage with you;
  • to communicate with you about your transactions or other Website activity, and to respond to your comments or inquiries to SASS customer service;
  • to contact you (including via email and phone) with general information about our initiatives, marketing campaigns, surveys or other promotional activities;
  • to generate leads and conduct targeted advertising to you and other individuals with similar characteristics and interests, where legally permissible;
  • to analyze and improve our services, communications, and advertising;
  • to monitor compliance with our policies and standards, and to improve security;
  • to deliver an invitation to use the Website or a SASS Card purchased for you by another User;
  • to process applications for employment or volunteer positions;
  • to comply with applicable law or court orders and to exercise or defend our legal rights or the rights of others.

Where we need your personal information in order to provide our services or otherwise process your instructions and you fail to provide that information, we may not be able to carry out your instructions or deliver our services pursuant to our Terms of Use. In some cases you may not be able to open a SASS account, or we may be required to close your account. Disclosure of Your Personal Information - SASS does not sell or rent your personal information to third parties.  We may disclose any of your personal information in the following circumstances:

• • Publicly, to the extent described in the section below (Information Displayed Publicly).
  • In order to comply with applicable law, regulation, legal process, or governmental request, or to otherwise protect the rights, property, and safety of SASS, Users, and others.
  • With our affiliates and service providers, agents and representatives in connection with their provision of services to SASS for business purposes (for example, account authentication, facilitating Website functionality, processing transactions, distributing SASS emails, conducting surveys, managing employment applications, and monitoring Website traffic and security). All such access shall be under appropriate confidentiality agreements and limited to use to provide services to SASS to help us further our mission.
  • With third parties providing integrated Website features that you choose to use (for example, Facebook and Twitter) to allow you to share information about your Loans or other Website activity.  Please note that we may withhold or withdraw information related to Loans you have made to the extent necessary to protect the privacy of borrowers.
  • Where legally permissible, we may share limited personal information, such as your email address or phone number, with third party platforms like Facebook or Google to advertise to you and others with similar interests and characteristics through these platforms. You may opt out of the use of your data for direct marketing purposes through your account settings at any time.
  • As part of SASS' API, which is a service SASS provides to allow third parties to develop applications and features using information from the Website and Program (“Third Party Applications”).  The SASS API may share any information that you display publicly on the Website, and if you authorize a Third Party Application to use your non-public information from the Website (for example, the amount of your available SASS Credit and outstanding Loans) the API may share the non-public information with such Third Party Application.  Third Party Application developers have agreed to the SASS API Terms of Service or a separately negotiated agreement, which contain restrictions on the use of your information.  Despite these agreements, SASS does not screen or audit Third Party Applications, and we cannot guarantee that third parties will abide by their agreements.  You can revoke permissions that you have granted to a Third Party Application through your SASS account settings.
  • If you apply to be a SASS fellow, we may disclose your application information to our Field Partners in order to help evaluate your application and placement.
  • Aggregated or pseudonymized data that does not directly identify you may be shared with third parties for educational, informational or promotional purposes in furtherance of SASS' mission.

You may ask us to limit our use of your personal data or to erase your personal data by contacting us at info

• • You can limit SASS' use of certain personal data through your account settings.
  • As personal data is necessary for your participation in the Program, we will be unable to erase all of your personally identifying information without deleting your SASS account.  If you would like SASS to delete all of your personally identifying information, you should first donate or withdraw all funds in your account, and then delete your account through Account Settings (any funds remaining in the account at the time of deletion, as well as any funds repaid to the account, will be automatically donated to SASS.)  This action will permanently close your account and automatically delete the personally identifying information associated with your account.
  • If you do not have a SASS account, or if you have other questions or requests regarding your personal data, please reach out to us at info@sassbk.com

If you believe that any of your rights with respect to your personal data have been breached, you may also lodge a complaint with the appropriate supervisory authority or seek a remedy through the courts. Changes to this Privacy Policy - SASS may update or modify this Privacy Policy from time to time. We will note the previous date of any such changes at the top of this policy. If we make any material changes we will notify you by email or by means of a notice on this Website prior to the change becoming effective. Please be sure to check this page periodically for changes.

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Terms of Service for ChocoDelight

Introduction

Welcome to ChocoDelight, your trusted source for premium chocolates. By accessing our website and purchasing our products, you agree to comply with and be bound by the following terms and conditions. Please read them carefully.

Eligibility

To use our services, you must be at least 18 years old or have the consent of a parent or guardian. By placing an order, you confirm that you meet this requirement.

Account Registration

To purchase products, you may need to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

Product Information

We strive to provide accurate descriptions of our products. However, we do not warrant that the product descriptions or other content on our site are error-free. If a product offered by ChocoDelight is not as described, your sole remedy is to return it in unused condition.

Pricing and Payment

All prices are listed in USD and are subject to change without notice. Payment must be made at the time of purchase. We accept major credit cards and other payment methods as indicated on our website.

Shipping and Delivery

We aim to deliver your order within the estimated timeframe. However, delivery times are not guaranteed and may be affected by factors beyond our control. Shipping costs are calculated at checkout.

Returns and Refunds

If you are not satisfied with your purchase, you may return it within 30 days of receipt for a refund or exchange, subject to our return policy. Products must be returned in their original condition.

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of ChocoDelight or its content suppliers and is protected by international copyright laws.

Limitation of Liability

ChocoDelight shall not be liable for any damages arising from the use of our website or products. This includes, but is not limited to, direct, indirect, incidental, punitive, and consequential damages.

Governing Law

These terms and conditions are governed by the laws of the United States. Any disputes arising from these terms will be resolved in the courts of the United States.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services constitutes acceptance of the revised terms.

Contact Us

If you have any questions about these terms, please contact us at support@chocodelight.com.