Archive for the ‘Data’ Category

Service of Protecting Your Personal Data

Thursday, February 6th, 2020

Fitness trackers Photo: sundried.com

I’m suspicious of any and all data sharing about my health, my DNA–you name it. Today’s protections can be gone in a flick of a pen with a law change or the information exposed to all as a result of a data breach. Lemmings happily line up to learn about their ancestry and I’m dead-set against that, as I’ve written in this blog, as I’m sure that information won’t be used solely to determine that great grandma came from Minsk.

Thorin Klosowski’s New York Times article, “What to Consider Before Trading Your Health Data for Cash–Don’t trade away your health data without considering the potential issues first” cemented my feelings on the subject.

Photo: healthdata.gov

Some are tempted by discounts, gift cards or financial rewards by an employer, HMO, health care plan or insurance company–or they are pressured by an employer or their team–to enroll in a wellness program involving a phone or fitness tracker. The idea: a healthy lifestyle will lessen the cost of health care.

The tracking device must be covered by the Health Insurance Portability and Accountability Act [HIPAA] or you are unprotected.

Klosowski wrote: “If a program or wearable tracking device is covered by HIPAA, your employer will never have access to the data collected, but if HIPAA doesn’t apply, you’re trusting those entities to not share the data with your employer, third-party ad agencies, or anyone else. Without HIPAA, a wellness program (or, more accurately, the operator or administrator behind it) may sell the health information it collects, which could put you at risk of having your data used against you or unlawfully in some way.”

You are not protected if the device is only HIPPA compliant.

compliancy-group.com

In addition “The U.S. Department of Health and Human Services also adds this distinction,” Klosowski wrote: “If a wellness program is offered as part of a group health plan, your information is protected by HIPAA rules; if the wellness program is offered directly by an employer, the information is not protected.”

In addition, warned Klosowski, you may be asked to answer survey questions you don’t want to, such as whether you plan on becoming pregnant in the next few years. You might now want your employer to know this. Also avoid programs that ask for genetic test results, he suggested.

You may be fine today and diagnosed with something dicey tomorrow that you’d prefer be kept under wraps. When Nora Ephron died her closest friends were shocked, some angry that she hadn’t shared that she had acute myeloid leukemia. She knew if the news was well known she wouldn’t be insured to work on big film productions. She was right.

With an administration that flirts with removing insurance protection for preexisting conditions or a promotion at work in the balance, it would seem that people should take extra care before enrolling in anything they might later regret. Would you be tempted to take money to wear a tracking device?

Photo: npr.org

 

Service of Cart Before the Horse: Corporations Collaborate When Foolproof Locks on Internet Security Don’t Exist

Thursday, August 16th, 2018

Photo: edgarstewart.com

Thank goodness all giant corporations aren’t leaping into bed together to share respective expertise and information although some are inching in that direction and others are raring to go. It won’t be long.

But first a digression: In arriving at the topic for this post I counted seven fuzzy attributions in one newspaper article. Isn’t that a lot? Laced throughout a recent front page article in The Wall Street Journal I read: “According to people familiar with the conversations; the people said; a person familiar with the discussions said; some of the people said; said people familiar with the matter; some of the people said and people familiar with the matter said.”

Photo: clckinmoms.com

Nevertheless I believe the topic is valid and am troubled by its implications. The title and subtitle: “Facebook to Banks: Give Us Your Data, We’ll Give You Our Users. Facebook has asked large U.S. banks to share detailed financial information about customers as it seeks to boost user engagement data.”

Reporters Emily Glazer, Deepa Seetharaman and AnnaMaria Andriotis wrote that Facebook had spoken with people at JPMorgan Chase, Citigroup and U.S. Bancorp “to discuss potential offerings it could host for bank customers on Facebook Messenger.” Facebook Messenger is a messaging app and platform.

What did “people say” about the conversations? “Facebook has talked about a feature that would show its users their checking-account balances, the people said. It has also pitched fraud alerts.” In addition, “Facebook asked banks for information about where their users are shopping with their debit and credit cards outside of purchases they make using Facebook Messenger.” Messenger has 1.3 billion active monthly users according to the reporters.

Photo: pinterest.com

Timing could be better for this outreach. The reporters reminded readers about current investigations in which Cambridge Analytica accessed data on some 87 million Facebook users without user OK. “‘We don’t use purchase data from banks or credit-card companies for ads,’ [Facebook] spokeswoman Elisabeth Diana said. ‘We also don’t have special relationships, partnerships or contracts with banks or credit-card companies to use their customers’ purchase data for ads.’”

Banks are tempted by the digital reach and doing business with online platforms with healthy and growing businesses. Even though Facebook has introduced what it says are safety features, “Bank executives are worried about the breadth of information being sought, even if it means their bank might not being available on certain platforms their customers use.”

While PayPal and Square have beaten banks to the punch in the world of mobile commerce many customers continue to be comfortable with traditional ways of paying such as credit and debit cards, cash and checks.

Photo: timeanddate.com

Some deals between big players are already struck though I question their purpose: American Express members can reach a rep through Facebook. [Why would you need to do that?] Paypal users can send money through Facebook Messenger and Mastercard’s Masterpass digital wallet lets customers place online orders with some merchants.

Before all these mergers of communications, customers and data happen, shouldn’t there first be a firm grasp on digital customer privacy? Why are we becoming so lazy: Is it so onerous to check a balance on your bank’s website that you need Facebook do it for you? Can you believe that AmEx members can’t reach out to a company rep but instead need Facebook to do it for them? These “benefits” appear to potentially favor everyone but the consumer—do you agree?  Do you pay for things via mobile wallet, credit or debit cards, cash or checks? And last, does an article with more than a few generic attributions disturb you?

Photo: canyourelate.org

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