Will I Be Able to Return That Unwanted Holiday Gift? The Retail Equation (formerly The Return Exchange)


When a consumer wants to make a return, the retailer will swipe the person’s driver’s license (or other government-issued ID). As customers return merchandise, The Retail Equation compares variables such as return frequency, dollar amounts and/or time against a set of rules that form the retailer’s return policy. If you make repeated returns or exchanges to a specific merchant, you may not be able to do so again at a later date.

Specialty Reports: What Have They Got on Me?


Most consumers know of their right to free annual credit reports from the three national credit bureaus (Experian, TransUnion and Equifax). But did you know that the same federal law that lets you see your credit reports entitles you to much more?he Fair Credit Reporting Act gives you the right to free copies of numerous so-called specialty consumer reports. These specialty reports provide information on such matters as your medical conditions, insurance claims, check writing history, rental history, and employment history.

The Privacy Implications of Cloud Computing


When users store their data with programs hosted on someone else's hardware, they lose a degree of control over their sensitive information. The responsibility for protecting that information from hackers and internal data breaches then falls into the hands of the hosting company rather than the individual user. Government investigators trying to subpoena information could approach that company without informing the data's owners. Some companies could even willingly share sensitive data with marketing firms. So there is a privacy risk in putting your data in someone else's hands. Obviously, the safest approach is to maintain your data under your own control.

Google Posts a Link to Its Privacy Policy from Its Home Page


On July 3, 2008, Google made an important change to its home page. It added a new link from the home page to its privacy center.  With just one seven-letter word, Google resolves the controversy over whether its previous practice ran afoul of California privacy law.

Consumer and Privacy Groups Urge Google to Post a Link to Its Privacy Policy from Its Home Page


A coalition of privacy and consumer organizations from California to Washington, D.C. have urged Google to post a prominent link on its homepage to its privacy policy. In a letter released June 3rd, 2008, the groups say this is required by California law and is the widespread practice of commercial web sites.

Spring Cleaning Your Personal and Financial Records


Now that tax season is over, many people are wondering which personal and financial records they need to save for tax and other purposes. Some of us are packrats and like to save everything forever. Others can't wait to discard unwanted papers.

So what's the best way to decide whether to save or discard a record? Here are a few tips and information sources to help you decide what records you need to keep and for how long.

It's Tax Time. Take These Extra Precautions with Your Mail


During the month of January, check your mailbox for “information returns” from organizations (both individuals and businesses) that have made taxable payments to you during the previous year.  These information notices will arrive on IRS approved forms, but will be sent to you directly by the organization providing you with taxable income.  The most well-known information return is the IRS W-2 form which reports your taxable wages.

Spam E-mails Using PRC's Address


It has come to our attention that spammers have been using the @privacyrights.org email address to send fake emails (spam). These emails do NOT come from PRC. They are forgeries. They will show the sender as a fake person that is NOT affiliated with PRC. The address will appear as FakeUser@privacyrights.org.

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