That's fair, if you're doing something illegal that may result in a subpoena, this is not the product for you.

However, that doesn't mean what we're doing isn't meaningful. We just think that you just shouldn't have to share your personal info with a random merchant you want to buy something from.

This notion that passing along your billing info is going some how substantially cutting down on fraud is ridiculous. It's anti-privacy in the guise of being anti-fraud.

And yes, it's fair, if you skip out on a gym contract, you do risk getting taken to collections. We're mostly talking more about the ticky tack, deceptive recurring billing fraud. We can do better. We'll make the language clearer on our home page.