It doesn't matter what your privacy setting is, with any savvy vendor. Your data is used to train by paraphrasing it, and the paraphrasing makes it impossible to prove it was your data (it is stored at rest paraphrased). Of course the paraphrasing stores all the salient information, like your goals and guidance to the bot to the answer, even if it has no PII.
That's an interesting accusation there! You're essentially accusing every "savvy vendor" of large-scale fraud... DOn't suppose you'd have any actual citations or evidence to back that up?