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Love this idea. It's crazy that every company knows more about my online activity than I know about it myself.

Definitely worried that running the extractors would get my accounts banned for violating policies against automated requests.

No need to worry - it's your data.

Large organizations do a takeout/checkout process that sends you a notification when the data is ready for manual exports.

This hasn't happened for any of my accounts and I've been working on this for the last few months.

Even so, would a rate limit be wise?

Rate limits are almost always wise, regardless of whether you happen to be the client or the server.