Tag Archive for: violate

How digital loan providers breach data privacy, violate rights of Nigerians


In July, Piye Garuba needed N10,000 for an important task. So when he saw 9Credit, an online platform, offering short-term loans, he grabbed the offer.

The 31-year-old Abuja-based lawyer was elated when the approval of his loan request arrived shortly after filling, on the app, the Know Your Customer (KYC) form with necessary details such as his Bank Verification Number (BVN).

Little did Mr Piye know that it was the beginning of a relationship that would turn sour.

After repaying the initial N10,000 with an additional 20 per cent, being the interest for seven days, Mr Garba turned to 9credit for another loan. He repeated the cycle until the eleventh time when he defaulted.

“When I defaulted, that was sometimes at the end of August, I began to receive multiple text messages from different sources saying they are Recovery Agents from 9Credit. The agents kept sending threatening messages to all my contact lists including my wife, colleagues, mother-in-law and uncles,” said Mr Garba.

“The harassment went further with several threats and curses. Also, using all manners of offensive adjectives like “Chronic and Unremorseful Debtor” some of the text messages stated that I had been declared ‘wanted.”

Mr Garuba said despite the insults and embarrassment to him and members of his family, he was not bitter because he understood that he had breached an agreement by not paying up when due.

A Defamatory text message sent to Mr Garuba's wife from 9Credit
A Defamatory text message sent to Mr Garuba’s wife from 9Credit

“It was my fault because I defaulted and it was for a reason because I was going through a tough time. And not that I wasn’t going to pay, or that I had ulterior motives to run away with their money.”

The legal practitioner eventually sometime early in September made attempts to repay the loan on the app but was unsuccessful. He then decided to make a direct bank transfer to the money-lending platform’s bank account.

Screenshot of another threatening message sent to Mr. Garuba
Screenshot of another threatening message sent to Mr. Garuba

“I began to experience trouble with the app so I wasn’t able to pay up at the initial time. After trying several times without success, and whereas there was this particular agent who had been calling me for…

Source…

FaceApp Lets You ‘Age’ a Photo by Decades. Does It Also Violate Your Privacy? – The New York Times

  1. FaceApp Lets You ‘Age’ a Photo by Decades. Does It Also Violate Your Privacy?  The New York Times
  2. FaceApp could face FBI, FTC investigations over security concerns  CNET
  3. FaceApp row: UK watchdog monitoring privacy concerns  The Guardian
  4. Myths and risks in app that gives you peek into older self  The Associated Press
  5. View full coverage on read more

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FOSTA Co-Sponsor Richard Blumenthal Tells Court FOSTA Didn’t Change CDA 230 & That It Was Written To Violate 1st Amendment

Last week, the Wisconsin Supreme Court heard the Armslist case that we’ve written about a few times. This is the case where victims of a shooting are trying to sue the website Armslist that had hosted the ad for the gun that the shooter bought to use in the crime (likely legally). Most cases that have interpreted CDA 230 over the past twenty-odd years have agreed that the language of that law is clear that websites cannot be held liable for the actions of their users, but last year a Wisconsin appeals court decided otherwise. The Wisconsin Supreme Court agreed to revisit this decision, and last month we filed another amicus brief to explain the important issues at stake for the internet and free speech.

A number of other amicus briefs were filed as well — including a stunning one on behalf of Senator Richard Blumenthal and some retired members of Congress, which first wrongly insisted that CDA 230 did not apply to the web platform being sued for actions of its users, and then went on to make some truly astonishing claims about FOSTA, a bill that Blumenthal was a key co-sponsor for.

It should be noted that Blumenthal and CDA 230 have a long history — one that goes back to a time long before he was in the Senate. Back when he was merely a grandstanding Attorney General in Connecticut, Blumenthal regularly would threaten internet companies for the actions of their users, ignoring the fact that CDA 230 prevented Blumenthal from taking this action against them. He went after MySpace because some sexual predators used the site. He went after Facebook for the same thing. Oh, and how could we forget his years-long crusade against Craigslist. Basically, as Attorney General, every few months, Blumenthal would generate splashy headlines by grandstanding to the press about some evil thing that people had done on the internet — and incorrectly blaming the tools and services that those had people used to do it.

So it was little surprise that when a chance came up to gut Section 230’s critical protections for platforms, and by extension speech on the internet, Blumenthal became the key sponsor from the Democratic side of the Senate to push these changes forward (Senator Rob Portman was the key sponsor from the GOP).

Because it’s long been apparent that Blumenthal has liked to ignore what CDA 230 did (and why), it is not too shocking that with this brief he attempted to make the Wisconsin Supreme Court ignore it too. But it is odd that he would do this by misstating how the bill he sponsored, FOSTA, changed Section 230, and would have had to change it if he wanted its protections to be curtailed, by pretending it didn’t actually change it. Armslist, in its own brief, had correctly pointed out that the passing of FOSTA showed that CDA 230 provided platforms with broad immunity, and that Congress would have had to amend it if it wanted to exempt certain activities from its coverage. Yet somehow Blumenthal tries to argue that’s not what FOSTA was for:

According to Armslist, “[t]hat Congress saw the need to amend the CDA to exclude protection for certain sex trafficking crimes” proves that the First Circuit’s broad reading of Section 230 was correct, because otherwise “the amendment would not have been necessary.” Respondents’ Br. 20. Armslist’s interpretation of FOSTA is astonishing, bold, and completely inaccurate.

[….]

The purpose of FOSTA was to “clarify” what was already true—“that section 230 of [the CDA] does not prohibit” suits like Backpage.com.

This last sentence is just wrong, and he should know that. He literally told reporters that the point of FOSTA was “that there’s a need for stronger rules of the road when it comes to accountability in this industry.” If CDA 230 wasn’t already preventing the litigation he thought desirable, then there would have been no need to change it. And there certainly would have been no call for him to put out a press release praising the new “tools in our legislation” that FOSTA was intended to deliver if FOSTA did not make significant changes he thought were needed to hold platforms like Backpage liable.

The upshot is that with this brief, Blumenthal essentially admitted how unconstitutional FOSTA is. At best, if all FOSTA truly did was “clarify” how Section 230 operated, it was an unnecessary incursion on expression. But in bragging about the significant changes FOSTA brought, he also ends up confessing how they are an unconstitutional incursion on expression:

Congress did not enact FOSTA to narrow Section 230’s applicability to traditional sex-trafficking actions. Traditional “sex trafficking crimes are clearly outside th[e] scope” of “speaking and publishing.” FOSTA, however, created a new breed of sex-trafficking actions based on the sort of publication-related conduct that Section 230 ordinarily immunizes: (1) “facilitating a violation of” sex-trafficking law, including by “publishing information designed to facilitate sex trafficking,”

“Publishing information” is a 1st Amendment protected activity. Now it is possible that a court might determine that “publishing information designed to facilitate sex trafficking” falls into the somewhat ill-defined “speech integral to criminal conduct” exception to the 1st Amendment, but the “integral” part is a higher bar than you might think — and speech that merely “facilitates” such activities seems unlikely to clear that hurdle (especially given that we already see FOSTA leading to the suppression of much broader speech than any that actually is involved in sex trafficking).

But, hey, I guess as long as Blumenthal is this committed to interfering with how Section 230 works, it makes sense that he’d have no problem interfering with how the First Amendment works too.

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No, BitTorrent’s Plan for Cryptocurrency-Fueled Speed Boosts Doesn’t Violate ‘Net Neutrality’

For a subject we’ve been collectively discussing ad nauseum for the better part of two decades, it’s kind of astounding how many people still don’t really understand how net neutrality works.

Case in point: last week, BitTorrent (or what’s left of it under new owner TRON) announced yet another business model revision, stating it would be integrating cryptocurrency into their BitTorrent platform. One of the goals of this “Project Atlas” is to develop a system that would financially-reward folks who seed files. TRON put the project plan this way:

“The new token, also called BitTorrent (BTT), will be issued by BitTorrent Foundation, established in Singapore and will enable users to exchange tokens to improve network speed. By providing users with the ability to use BTT tokens for faster downloads, the company aims to accelerate the overall speed of torrents. “BitTorrent token is the first in a series of steps to support a decentralized internet,” said Justin Sun, founder of TRON and CEO of BitTorrent. “In one giant leap, the BitTorrent client can introduce blockchain to hundreds of millions of users around the world and empower a new generation of content creators with the tools to distribute their content directly to others on the web.”

Whether the blockchain can magically somehow make BitTorrent a sustainable business (a decade long quest at this point) is a subject for another day. More interesting to me was some of the reaction to TRON’s announcement, including this piece over at TorrentFreak attempting to paint BitTorrent as a hypocrite for advocating for net neutrality, then itself embracing “fast lanes” on the internet:

“While details are scarce, it’s clear that with the BTT token users will be able to pay to speed up their downloads. It’s not clear how this will work, but it’s likely that a paying downloader will get priority over others. That sounds a bit like a “fast lane” and paid “prioritization,” albeit on a different scale. Large companies are not paying for faster access in this case, but ‘wealthy’ BitTorrent users are.

TorrentFreak asked both TRON and BitTorrent about their thoughts on this Net Neutrality argument and if it presents a problem. The TRON team said that it couldn’t comment on the matter, while BitTorrent didn’t respond at all.

The difference here is that users can choose to use another BitTorrent client if they’re not happy with what BitTorrent is doing. That’s not the case for broadband, where the lion’s share of Americans only have access to one ISP at speeds of 25 Mbps or greater. Net neutrality violations are just a symptom of this limited competition, which lets giant telecom operators like AT&T or Comcast abuse their roles as natural monopolies. Net neutrality rules were simply a telecom-specific stopgap measure until somebody, anybody, is willing to actually challenge these companies politically and embrace real, pro-competitive policies.

Somehow, people take this telecom-specific paradigm and weirdly try to casually apply it to other sectors, as TorrentFreak does here. You’ll often see the same mistake made when folks like Mark Cuban call for “search neutrality” or “app neutrality.” Again, you can generally choose to not use a social media website or app store if you’re not happy with the business decisions they’re making. You can’t do that in telecom. That’s why net neutrality is a concept specific only to broadband and the lack of competition there that’s plagued consumers for the better part of two decades. In broadband, users often have no other choice.

That’s not to say there aren’t valid criticisms for what TRON is doing here. But again, you can’t call this a net neutrality violation because the term applies specifically to core telecom networks, not software platforms where users have the option of numerous other clients. The monopoly-dominated dance of dysfunction in telecom is a very unique animal, resulting in the creation of a very unique term in “net neutrality.” It can’t just be thrown about casually every time you see someone engaging in dubious behavior. That’s not how any of this works.

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