Startup will help landlords and employers mine intimate data from Facebook
washingtonpost.com
washingtonpost.com
That's a truly horrible justification of an invasive, creepy service. Who defines 'normal'? What's the scoring criteria?
I've got a mortgage on my flat, but if I were renting, I wouldn't rent any landlord using this start-up. Being sent this request by them would instantly signal to me that they're not the kind of landlord from whom any sane, reasonable person should rent if they have any other choice.
I sincerely hope this start-up fails and that Thornhill and his other co-founder/s come to realise that their idea is deeply invasive and shits all over a large part of society who are less fortunate than they.
> First they came for the Socialists, and I did not speak out— Because I was not a Socialist.
> Then they came for the Trade Unionists, and I did not speak out— Because I was not a Trade Unionist.
> Then they came for the Jews, and I did not speak out— Because I was not a Jew.
> Then they came for me—and there was no one left to speak for me.
All for a low, low price of $9.99/month!
How everybody got around this was to set up an innocuous, benign facebook dummy account with our real name, no posts excite liking the SF giants and talking about the Warriors games. Then we would all make our "real" facebooks with the wild stuff using our middle names instead of the last name. HR was none the wiser.
And there in lies the problem I have with this. The sad thing is that a large percentage of people would give up their privacy because the old "if you have nothing to hide then what are you worried about?" is still sadly a common mindset.
I would expect there to be a greater push from Facebook, Twitter, etc to crack down on companies trying to do this though. Because at the end of the day the way to avoid this surveillance is to not use their services.
If anything, I would expect them to buy that startup, or build a competing product, rather than just shutting it down entirely.
That's just a bunch of handwaving. Be specific about causality. "Network effects" is pretty much equivalent to "stuff just happens for some reason."
> Someone who's not even on Facebook but just happens to know you now has a shadow profile and their biometric data indexed somewhere in Facebook's database.
I don't believe that for a second. That's a wild accusation made with no evidence.
"network effects" simply means "everyone I know is on Facebook (or social media platform x), so I should probably be on (x) as well."
>That's a wild accusation made with no evidence.
It's a straightforward extrapolation based on what's known about the way Facebook operates.
Facebook creates "shadow profiles" of people who may not even be members, based on data provided about them by third parties:
https://motherboard.vice.com/blog/facebooks-shadow-profile-b...
Facebook also has facial recognition algorithms which allow it to identify the subject of photos, to automate tagging:
http://www.npr.org/sections/alltechconsidered/2016/05/18/477...
It's not unreasonable to assume that they build shadow profiles on every potential subject they can identify and can begin to graph relationships from, including every face they can isolate from a photograph, even if those faces don't belong to Facebook account holders.
And then once they have your permission, you'll probably forget about it.
So once they go to release their dating app, if they have enough people, they don't need your permission because the probably already have access to your profile through your friends who might have rented an apartment.
And this kids is why even if you're secure, you need all your friends to be just as secure.
EDIT: from 2018 the fine could be 4% of global turnover, which feels significant.
https://ico.org.uk/about-the-ico/news-and-events/news-and-bl...
http://www.telegraph.co.uk/news/2016/06/18/watchdog-demands-...
In England they have to say what they're collecting it for, that has to be a narrow purpose, and they have to only use it for that purpose, and they have to delete it once they've used it, and they have to keep it secure while they're using it.
They might be able to keep it for a long time if they're providing background checks for landlords, but that doesn't mean they can then use it for something else, even if they've said "We're going to keep looking at the data in the future just to keep it accurate and to provide our service".
"Meanwhile, unlike credit reports — which you may, under federal law, request every 12 months — Tenant Assured doesn’t give users any way to view their ratings or dispute misleading data."
Well, if they make this service available in the US they would most likely be considered a CRA (Consumer Reporting Agency) and be subject to the Fair Credit Reporting Act which requires all those things.
I also take issue with "going out on the weekends" being considered a negative in general. I go out most weekends but we both make so much money we can more than afford it. I don't think an algorithm can determine irresponsible spending from responsible spending just from Facebook, your bank account balance tells you more than your Facebook posts, which can be misleading.
And you guys who are saying "oh, I'd never rent from a landlord who uses this service," you may not have a choice. If 99.99 - 100% of landlords use this service you don't get a choice. This is where laws come in. You aren't going to be able to negotiate with a landlord either because if they deviate from their standard tenant policy than it can look like housing discrimination.
...and in the image they use the phrase "staying in" as a sign of financial stress.
I was recently looking for an apartment and found one in liked . After contacting the landlord I Googled his name and found his facebook. Scrolling through his history I saw a post from 2 years ago commenting that he just "found a sucker" to rent out the apartment. I thought it was pretty tasteless at best.
Are we to believe that this company has actually done proper analysis to make these kinds of correlations? If not, what sort of legal liabilities exist for trying to make these sorts of predictions based on speculation / assumption? This seems like something that consumers should be protected against, but I assume that the company at least thinks it can hide behind the (implicit or explicit) consent that potential tenants provide by signing up voluntarily.
Being very imprecise with this comment, but yeah, I think you are right. At the least the employers or landlords are breaking the law if they are using data or requirements which unnecessarily bias their selection based on ethnicity or gender.
a list of every time I’ve tweeted the words “loan” and “pregnant,”
At least in the US, discriminating against families or pregnant women in housing is illegal.I help manage an apartment building. We prefer not to even know if applicants have kids so we can't be accused of anything if we turn them down. Though the applicant ranking process is essentially dump every applicant with bad credit, then sort by income decreasing.
Also, in the image, you see the word "loan" and "loans" show up. I'd put money on their 'NLP' really being grep, because it looks like they aren't even stemming. ie even mentioning the word loan will show up there, regardless of context. Or borrow, as in I borrowed a book from the library.
The new information commissioner will be Elizabeth Denham, so it'll be fascinating to see what she thinks.
EDIT: I can't seem to find their ICO registration. I can find one registration for Steve Thornhill, for a "Sonic Finance". I have no idea if it's the same person.
Housing isn't a want, it's a need. What a disgusting perspective.
Facebook might shut them down from C&D if they grow bigger than comfort, but its still technically possible to get the data if you are willing to not submit to/reside in the legal jurisdiction. I know of financial services companies in the US that make loans to foreign students based on non-fico data, this is growing market and people want people servicing their loans/contract terms and are willing to pay for signals that help secure their profit margins.
But hey, don't let me stop people for putting up their own resources to play this game of wack-a-mole, esp if you are more interested technical means of subversion :P