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PG Insights

D.B.A. “No Chalk”

Effective 1 June 2023

PG INSIGHTS LLC. (the “Company”, D.B.A. “No Chalk") is committed to maintaining robust privacy protections for its users. Our Privacy Policy (“Privacy Policy”) is designed to help you understand how we collect, use and safeguard the information you provide to us and to assist you in making informed decisions when interacting with PG Insights, it’s website, or any of it’s subsidiaries and related websites. For purposes of this Agreement, “Site” refers to the Company’s website(s), which can be accessed at nochalknet.com, pginsights.org, et al*. “Service” refers to the Company’s services accessed via the Site, in which users can subscribe to newsletters, personalized ads, and contest giveaways. The terms “we,” “us,” and “our” refer to the Company. “You” refers to you, as a user of our Site or our Service. By accessing our Site or our Service, you accept our Privacy Policy and Terms of Use, and you consent to our collection, storage, use and disclosure of your Personal Information as described in this Privacy Policy. I. INFORMATION WE COLLECT We collect “Non-Personal Information” and “Personal Information.” Non-Personal Information includes information that cannot be used to personally identify you, such as anonymous usage data, general demographic information we may collect, referring/exit pages and URLs, platform types, preferences you submit and preferences that are generated based on the data you submit and number of clicks. Personal Information includes your email, phone number, address, date of birth, etc. which you submit to us through the registration process at the Site. 1. Information collected via Technology To activate the Service you do not need to submit any Personal Information other than your email address. However, in an effort to improve the quality of the Service, we track information provided to us by your browser or by our software application when you view or use the Service, such as the website you came from (known as the “referring URL”), the type of browser you use, the device from which you connected to the Service, the time and date of access, and other information that does not personally identify you. We track this information using cookies, or small text files which include an anonymous unique identifier. Cookies are sent to a user’s browser from our servers and are stored on the user’s computer hard drive. Sending a cookie to a user’s browser enables us to collect Non- Personal information about that user and keep a record of the user’s preferences when utilizing our services, both on an individual and aggregate basis. For example, the Company may use cookies to collect the following information: Advertisement Interaction The Company may use both persistent and session cookies; persistent cookies remain on your computer after you close your session and until you delete them, while session cookies expire when you close your browser. 2 2. Information you provide us by registering for an account In addition to the information provided automatically by your browser when you visit the Site, to become a subscriber to the Service you may be asked to create a personal profile. You can create a profile by registering with the Service and entering your email address, name and date-of-birth, and creating a user name and a password. By registering a profile or subscribing to a newsletter/giveaway, you are authorizing us to collect, store and use your email address in accordance with this Privacy Policy. 3. Children’s Privacy The Site and the Service are not directed to anyone under the age of 21. The Site does not knowingly collect or solicit information from anyone under the age of 21, or allow anyone under the age of 21 to sign up for the Service. In the event that we learn that we have gathered personal information from anyone under the age of 21 without the consent of a parent or guardian, we will delete that information as soon as possible. If you believe we have collected such information, please contact us at pginsights@pginsights.org. II. HOW WE USE AND SHARE INFORMATION Personal Information: Except as otherwise stated in this Privacy Policy, we do not sell, trade, rent or otherwise share for marketing purposes your Personal Information with third parties without your consent. We do share Personal Information with vendors who are performing services for the Company, such as the servers for our email communications who are provided access to user’s email address for purposes of sending emails from us. Those vendors use your Personal Information only at our direction and in accordance with our Privacy Policy. In general, the Personal Information you provide to us is used to help us communicate with you. For example, we use Personal Information to contact users in response to questions, solicit feedback from users, provide technical support, and inform users about promotional offers. We may share Personal Information with outside parties if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to meet any applicable legal process or enforceable governmental request; to enforce applicable Terms of Service, including investigation of potential violations; address fraud, security or technical concerns; or to protect against harm to the rights, property, or safety of our users or the public as required or permitted by law. Non-Personal Information In general, we use Non-Personal Information to help us improve the Service and customize the user experience. We also aggregate Non-Personal Information in order to track trends and analyze use patterns on the Site. This Privacy Policy does not limit in any way our use or disclosure of Non-Personal Information and we reserve the right to use and disclose such Non-Personal Information to our partners, advertisers and other third parties at our discretion. In the event we undergo a business transaction such as a merger, acquisition by another company, or sale of all or a portion of our assets, your Personal Information may be among the assets transferred. You acknowledge and consent that such transfers may occur and are permitted by this Privacy Policy, and that any acquirer of our assets may continue to process your Personal Information as set forth in this Privacy Policy. If our information 3 practices change at any time in the future, we will post the policy changes to the Site so that you may opt out of the new information practices. We suggest that you check the Site periodically if you are concerned about how your information is used. III. HOW WE PROTECT INFORMATION We implement security measures designed to protect your information from unauthorized access. We protect your information from potential security breaches by implementing certain technological security measures including encryption, firewalls and secure socket layer technology. However, these measures do not guarantee that your information will not be accessed, disclosed, altered or destroyed by breach of such firewalls and secure server software. By using our Service, you acknowledge that you understand and agree to assume these risks. IV. YOUR RIGHTS REGARDING THE USE OF YOUR PERSONAL INFORMATION You have the right at any time to prevent us from contacting you for marketing purposes. When we send a promotional communication to a user, the user can opt out of further promotional communications by following the unsubscribe instructions provided in each promotional e-mail. You can also indicate that you do not wish to receive marketing communications from us in the “Contact Us” section of the Site. Please note that notwithstanding the promotional preferences you indicate by either unsubscribing or opting out in the “Contact Us” section of the Site, we may continue to send you administrative emails including, for example, periodic updates to our Privacy Policy. V. LINKS TO OTHER WEBSITES As part of the Service, we may provide links to or compatibility with other websites or applications. However, we are not responsible for the privacy practices employed by those websites or the information or content they contain. This Privacy Policy applies solely to information collected by us through the Site and the Service. Therefore, this Privacy Policy does not apply to your use of a third party website accessed by selecting a link on our Site or via our Service. To the extent that you access or use the Service through or on another website or application, then the privacy policy of that other website or application will apply to your access or use of that site or application. We encourage our users to read the privacy statements of other websites before proceeding to use them. VI. CHANGES TO OUR PRIVACY POLICY The Company reserves the right to change this policy and our Terms of Service at any time. We will notify you of significant changes to our Privacy Policy by sending a notice to the primary email address specified in your account or by placing a prominent notice on our site. Significant changes will go into effect 30 days following such notification. Non-material changes or clarifications will take effect immediately. You should periodically check the Site and this privacy page for updates. VII. CONTACT US If you have any questions regarding this Privacy Policy or the practices of this Site, please contact us by sending an email to pginsights@pginsights.org. Last Updated: This Privacy Policy was last updated on 8 February 2023.

Frequently Asked Questions

Please contact us for anything else you want to know.

  • PPs (Past Performances). Obviously, we use PPs in our preparation, but you are not purchasing PPs.
  • An AI/ML product. We use some of these tools to analyze data for figures, etc. but that's not what you're purchasing.
  • Furthermore, you are not currently purchasing speed figures, or pace figures, or figures of any kind.
  • A this-horse-is-going-to-win product. In fact, its not even a this-horse-is-likely-to-win product. It's more of a contest picks/"I'm not leaving these horses off of my pick-5 ticket" type of product.
  • It's a value identifier that focuses on big prices, put simply.
  • Do you like the idea of playing contests like the NHC Tour or HorseTourneys, but aren't having much success? This may be a useful product for you. Do you find that your multi-race wagers are often ruined by the 15-1 shot in a Maiden Special Weight, or that odd shipper from Woodbine? This product might help. Did your pick-6 turn out a little cheaper than you expected, so you want to throw another horse or two on your ticket? We've got the horse for that.
  • It's a collection (organized by date & track), with detailed explanation, of horses that we believe are either undervalued or significantly undervalued.
  • This will be based on a combination of data/figures as well as trends that we have found to be profitable.
  • Top 5 rookie for the 2021 NHC season, top 100 at the NHC Championship, January 2022. Top-100 not qualified 2023 NHC Tour.
  • In the interest of full disclosure - I have not been doing this for ages, I've been fully ingrained in the game for about 3 years.
  • On rare occassion, there will be a horse that, for whatever reason, just feels like a bad idea to leave off the ticket. The vast majority of the time this is supported by data and a discernable line of reasoning but, every once in awhile, we just have a feeling about a horse. These will be included with the product, but will not be reflected in the cost - put more simply, we don't charge you for those.
  • There will be races that we don't have a strong opinion about. There will also be races where we believe no horse meets the criteria for this product, sometimes several races. This also will be reflected in the price for that card.
  • We're tracking the $2 ROI (which could be misleading, admittedly), as well as the $2 Win-Place average (the same as the NHC and other $2 WP contests), and WPS %. We may add to this.
  • To reiterate - this is not a horse that's going to tell you which horse is going to win the race. It's not going to tell you how to construct your ticket (you don't want that, I promise). It's going to point out horses that should not be as big of a price as they are. It's going to point out interesting pace scenarios that could result in big prices, etc.
  • Your first card is free with sign-up. If you don't like the product, or if it doesn't fit your needs, that's OK! You don't have to buy it. There are no refunds. In the event of a card being canceled due to weather or other circumstance, you will be compensated a race card of equal or lesser value to be used within 30 days.