Legal › Monitoring and Public Records Notice
Monitoring and Public Records Notice
How EnemoAi watches the public record for the companies a business deals with, and what its alerts can and cannot tell you. This notice is referenced in the Terms of Service.
Contents
1. What monitoring does
A business with a Monitoring subscription lists the companies it deals with (suppliers, customers, lenders, landlords, competitors and others). EnemoAi then checks the sources below for new records about them, alerts the business in the app, emails serious alerts, and sends a morning briefing at 7am in the time zone of the business’s state. Alerts are meant to help the business protect itself, not to target or harm the company named.
1.2Your own data. Monitoring also includes, at no extra price, live monitoring of the business data a business connects to EnemoAi, which its owner or an admin turns on or off. Every day, and whenever new data arrives, EnemoAi builds a 13-week cash forecast from its bank balances, open invoices and bills, payroll, scheduled debt payments and regular payments found in its transactions, with a low and a high case and every assumption shown; works out runway and covenant countdowns; and warns when cash may fall below zero or below the floor the business sets, when overdue receivables or a single customer or supplier make up too large a share, and when a covenant is breached or close to it. It also matches the business’s customers, suppliers, banks and lenders, and the other parties to the contracts it keeps with EnemoAi (never the business itself and never a private individual; parties a person dismissed are left out), against the sources below using the rules in Section 3. Covenants, renewal-notice deadlines and end dates read from those contracts join the countdowns; they warn only once a person in the business has confirmed or corrected them. These figures are estimates from the business’s own data, only as accurate and current as that data, and not accounting or investment advice. EnemoAi only reads the data; it never moves money or acts on an account.
2. Sources
| Source | What we read |
|---|---|
| U.S. Securities and Exchange Commission (EDGAR) | New filings by watched companies that file with the SEC, classified by form and item (for example, bankruptcy, going-concern, late filing, covenant or credit events) |
| U.S. Bankruptcy Courts | Each court’s public CM/ECF RSS feed of new docket activity. 90 of the 94 districts publish one; the Northern District of Alabama, the Western District of Michigan, the Eastern District of New York and the Eastern District of North Carolina do not, so cases there are not seen. Feeds show recent docket entries, not complete case histories. |
| FDIC | Bank failures |
| U.S. Treasury, Office of Foreign Assets Control | The Specially Designated Nationals list (entities only) |
| U.S. Food and Drug Administration (openFDA) | Food, drug and device recalls and enforcement reports |
| U.S. Consumer Product Safety Commission | Product recalls |
| U.S. Department of Justice | Press releases (charges, pleas, settlements) |
| Consolidated Screening List (U.S. Department of Commerce, International Trade Administration) | Export and trade restriction lists other than OFAC’s, such as the Commerce Department’s Entity List and Denied Persons List (entities only) |
| National Highway Traffic Safety Administration | Vehicle and equipment safety recalls |
| Federal Trade Commission | Cases and proceedings |
| U.S. Environmental Protection Agency (ECHO) | Federal civil enforcement cases: statutes, facilities and penalties |
| U.S. Department of Labor | OSHA inspections that ended in citations, with penalties; Wage and Hour Division cases with back wages or penalties |
| National Labor Relations Board | New unfair labor practice charges and election petitions (a charge or petition is an allegation or request, not a finding) |
| USAspending.gov | New federal contract, grant and loan awards of $1 million or more to businesses (for information) |
| U.S. District Courts | New lawsuits between businesses and other organizations (for example contract, lender, employee-benefit fund, receivership and government enforcement suits), from each court’s public CM/ECF RSS feed. 79 of the 94 districts publish one; the Northern District of Alabama, the Northern District of Florida, the Northern and Southern Districts of Georgia, the Eastern District of Kentucky, the District of Maryland, the Northern District of Mississippi, the District of North Dakota, the Eastern and Western Districts of New York, the Eastern and Northern Districts of Oklahoma, the Middle District of Pennsylvania, the Eastern District of Virginia and the Southern District of West Virginia do not, so cases there are not seen. We do not use PACER, which charges per page, so we see the case name and the docket entry, not the papers (a complaint is an allegation, not a finding). |
| State labor departments | WARN Act layoff and closure notices from Texas, Florida, Illinois, Washington (its newest notices), New Jersey, Pennsylvania, Virginia, Indiana and Oregon. Other states are not covered: some forbid automated access or ask that their pages not be used by AI tools, and others publish no listing we can read. |
| State business registries | Registration status changes (dissolved, forfeited, revoked, withdrawn, reinstated) published as open data by Texas (Comptroller), New York (Department of State), Colorado and Connecticut (dissolutions only, the one change Connecticut dates). Not covered: Delaware, California, Florida and other states that forbid automated access, charge for status, or publish active businesses only. |
| State UCC filing offices | UCC financing statements and tax, judgment and other statutory liens against businesses, and their releases, published as open data by Colorado, Connecticut and Oregon (Oregon from the previous month on). Other states charge for UCC searches, forbid automated searches or publish no names, so filings there are not seen. |
We read these sources directly from their publishers, in bulk or by public identifier, each on its own schedule: SEC filings and bankruptcy court feeds about every 20 minutes, the Justice Department about every hour, the FDIC about every 6 hours, the FDA and the Consumer Product Safety Commission about every 12 hours, and the sanctions list daily. The other sources are read into EnemoAi’s public records library on their own schedules (the NLRB about every hour; the FTC and USAspending.gov about every 2 hours; the screening list and NHTSA daily; the EPA and Labor Department files when their publishers update them, which is weekly to quarterly; district court feeds about every hour; WARN notices about every 12 hours; registration status and UCC filings daily) and checked against watchlists about every hour. The same library, which answers draw on, also holds Federal Register rules, proposed rules and notices, and yearly counts of consumer complaints per company from the Consumer Financial Protection Bureau’s complaint database; these two do not alert. We never tell a source which business is watching which company.
3. Matching companies
3.1A company that files with the SEC is watched by its exact SEC registration. Other companies are watched by exact legal name.
3.2A record is a match when the name the source published equals the watched name or a confirmed alias, ignoring only the legal form (Inc., LLC and the like). A near name (for example, “… Holdings”, a name inside a headline, or either side of a lawsuit inside a bankruptcy case) is a possible match: the business confirms or dismisses it before it counts. Confirmed names become aliases; dismissed names never alert again.
3.3Only certain matches (exact or confirmed) of serious severity are emailed or briefed. Different companies can share a name; check the record before acting.
4. Severity and briefs
Each alert has a provisional severity based on the type of record. EnemoAi’s AI model then reads the record and writes a cited brief on what it means for a business in your role (supplier, customer and so on) and what history shows businesses did; the severity shown is updated once it has. Briefs are generated by AI and subject to the limits in the AI and Sources Notice.
5. Accuracy and limits
5.1Alerts report what a public body published, with a link to the original. They do not verify it. Sources can be delayed, corrected, incomplete or wrong, and a feed can be unavailable; an alert can therefore be late or missed, and the absence of an alert does not mean nothing happened.
5.2An alert or brief is not a finding that a company did anything wrong, is insolvent or will fail. An allegation in a press release or court filing is an allegation. Before acting on an alert, read the source and, where it matters, take professional advice.
5.3EnemoAi does not sell alert data or give anyone early access to it, and its personnel may not trade on it.
6. Businesses only; not a consumer report
6.1Monitoring covers businesses. We discard Chapter 13 bankruptcy cases, which are for individuals, as the court feeds are read, and never store them. We store a bankruptcy case, or a lawsuit inside one, only when name-based rules show the party is plainly a business: cases filed by individuals, personal trusts and estates are discarded even when the name resembles a watched company, and an individual on the other side of a lawsuit is stored only as “an individual or other party”. We keep only entities, never individuals, from the sanctions list and the export screening lists. From the other agency sources we keep businesses and organizations only: an OSHA establishment, Wage and Hour employer, EPA defendant or facility, FTC or NLRB case, NHTSA manufacturer or federal award recipient whose name is, or plainly contains, a private individual’s name is skipped. We keep a district court case only when every party named in its title is a business, organization or government body, so a lawsuit with an individual on either side is never stored. From WARN notices we keep the employer and the notice, never a contact person or union representative. From UCC filings we keep only debtors that are businesses (an individual secured party is shown only as “an individual”); from business registries we keep the business and its status, never its registered agent, officers or owners. From the complaint database we keep only counts per company and year, never a complaint, its narrative or anything about the consumer who filed it. The Acceptable Use Policy forbids adding individuals to a watchlist.
6.2EnemoAi is not a consumer reporting agency. Alerts, briefs and answers are not consumer reports under the Fair Credit Reporting Act and must not be used in deciding any individual’s eligibility for credit, insurance, employment, housing or any other purpose that Act covers, including where the business concerned is a sole proprietorship.
7. Corrections
7.1Anyone, including a company named in an alert or a person named in a record, may ask for a correction by emailing hello@enemo.ai with the subject “Correction”, the alert or record concerned, and what is wrong.
7.2If an alert or brief we wrote misstated the public record, or matched the wrong company, EnemoAi staff correct or withdraw it in EnemoAi and email the businesses that received it. If the public record itself is wrong, we will point you to its publisher, which alone can correct it, and reflect the publisher’s correction once it is published.
8. Version history
- 2026-11-01: first version.
- 2026-11-01.2: live monitoring of a business’s own data (Section 1.2).
- 2026-11-01.3: the parties, covenants and dates in a business’s contracts join that monitoring (Section 1.2).