Comment by allover | Hacker News Reader

Comment by allover | Hacker News Reader

Parent Full thread

I'm not sure you read the article you linked to properly:

> Apple is changing the privacy policy for Apple Card with iOS to share a richer, but still anonymized set of data with Goldman Sachs in order to allow the creation of a new credit assignment model, which could expand the group of users that may be able to secure credit. > There is also a beefed up fallback method in the works that will allow users to share more personal data on an opt-in basis with Goldman Sachs if you do not at first get approved

So anonymised by default.

Opt-in, IF you want to share more personal data.

Do you also understand it's Goldman Sachs that run the credit cards, accounts, etc, they're not just randomly sharing data with Goldman Sachs?

It’s an opt-out:

“You can opt out of this use or your Apple relationship information by emailing our privacy team at dpo@apple.com with the subject line ‘Apple Relationship Data and Apple Card.’”

Opt-out of sending anonymised data, to the company providing the credit service.

It doesn't matter how anonymized they claim it to be, it should be opt-in, not opt-out. Of course virtually nobody would choose to opt-in, which is the point.

> it should be opt-in, not opt-out

Sure, it would be nice if no company ever shared data with any other company, but that does not track in this case.

People signing up for an Apple branded Goldman Sachs credit card shouldn't be surprised or affronted by the fact Goldman Sachs gets anonymised data from Apple.

Why the hell anyone would sign up for this crap is beyond me. But it's not a reason to drag Apple into the context of a thread about a company guilty of basic privacy failures -- sending personal data to a 3rd party social network the user has no connection to.

Please also understand what 'anonymised' means, it means _not reversible_ i.e. you _cannot_ tell who the user is.

Have you never heard of deanonymization? In many cases you most certainly can. https://arxiv.org/pdf/1902.09897.pdf

Of course, but that suggests Apple isn't smart enough to know this and hasn't sufficiently anonymised the data, which is pure speculation?

Reply on news.ycombinator.com