W3C home > Mailing lists > Public > public-credentials@w3.org > August 2021

Re: How much extra in terms of Cost of Living are you willing to pay to be able to continue to exercise Self-Sovereign control over your personal data?

From: Daniel Hardman <daniel.hardman@gmail.com>
Date: Tue, 10 Aug 2021 10:38:36 +0200
Message-ID: <CACU_chk5O5JWu1A5amhtxuzQvKaSs=hUBuq6PwKADmgQgSCUrw@mail.gmail.com>
To: "Joosten, H.J.M. (Rieks)" <rieks.joosten@tno.nl>
Cc: "Michael Herman (Trusted Digital Web)" <mwherman@parallelspace.net>, "public-credentials (public-credentials@w3.org)" <public-credentials@w3.org>
Yeah. I've been seeing these types of offers in the US for the past couple
years. Usually they are more similar to the ones Rieks mentioned, where the
discount is based on driving data. But I have also seen the variant Michael
mentioned, based on credit score.

I think it's reasonable to offer a discount based on better data about
driving habits. Credit score, maybe not so much (though I'm sure a data
scientist could justify it). But the thing that bothers me about all of
them is that there's no constraint on fitness-for-purpose; you consent to
have the data analyzed, but there's always some kind of "oh, and by the way
we'll also use the data to tailor other offers to you" proviso that makes
it into a Hobson's choice. Very frustrating.


On Tue, Aug 10, 2021 at 8:25 AM Joosten, H.J.M. (Rieks) <
rieks.joosten@tno.nl> wrote:

> I’m not sure how that is in other countries; in the Netherlands various
> insurance companies offer discounts of up to 35% discount on your premium
> if you agree to share your driving habits (collected through a dongle or a
> smartphone app). The Duthc consumerorganization has a (Dutch) article
> <https://www.consumentenbond.nl/autoverzekering/korting-voor-je-rijstijl>
> (Google Translate may be your friend here) explaining the consequences
> (including that such data may be subpoena’d by police). While the idea is
> that ‘safe drivers’ get a discount, the premium over which the discount is
> applied is higher than a regular/equivalent policy.
>
>
>
> Since data appears to have many uses beyond the consumer’s imagination,
> there is a case to be made for purpose binding (as mentioned in the GDPR),
> and technology/protocols to be developed that contribute to the enforcement
> thereof.
>
>
>
> Rieks
>
>
>
> *From:* Michael Herman (Trusted Digital Web) <mwherman@parallelspace.net>
> *Sent:* dinsdag 10 augustus 2021 03:07
> *To:* public-credentials (public-credentials@w3.org) <
> public-credentials@w3.org>
> *Subject:* How much extra in terms of Cost of Living are you willing to
> pay to be able to continue to exercise Self-Sovereign control over your
> personal data?
>
>
>
> My car insurance renewal comes up next month and I received this “offer”
> from my local insurance agent:
>
>
>
> Wawanesa doesn’t explain how or why they need a person’s credit score.  A
> little digging unearths this gem of an article:
>
>
> https://www.experian.com/blogs/ask-experian/why-do-car-insurance-companies-base-their-rates-on-credit-scores/
>
>
>
> Also:
>
>    -
>    https://www.wawanesa.com/resources/docs/canada/NS_CreditConsent_CustomerFAQ-en_13Jan2021-FIN.pdf
>    -
>    https://www.cbc.ca/news/credit-scores-can-hike-home-insurance-rates-1.890442
>
>
>
> How much extra in terms of Cost of Living are you willing to pay to be
> able to continue to exercise Self-Sovereign control over your personal data?
>
>
>
> Best regards,
>
> Michael Herman
>
> Far Left Self-Sovereignist
>
>
>
> Self-Sovereign Blockchain Architect
>
> Trusted Digital Web
>
> Hyperonomy Digital Identity Lab
>
> Parallelspace Corporation
>
>
>
>
>
>
>
> This message may contain information that is not intended for you. If you
> are not the addressee or if this message was sent to you by mistake, you
> are requested to inform the sender and delete the message. TNO accepts no
> liability for the content of this e-mail, for the manner in which you use
> it and for damage of any kind resulting from the risks inherent to the
> electronic transmission of messages.
>
>

image001.jpg
(image/jpeg attachment: image001.jpg)

image002.jpg
(image/jpeg attachment: image002.jpg)

Received on Tuesday, 10 August 2021 08:39:02 UTC

This archive was generated by hypermail 2.4.0 : Tuesday, 10 August 2021 08:39:03 UTC