Questions tagged [privacy]

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39
votes
3answers
64k views

My credit card company is asking for my current income citing "Federal Regulations"

So I received an e-mail today from a bank from whom I have an existing credit card as follows: To consider you for a future credit line increase, federal regulations require us to have your ...
35
votes
5answers
10k views

What are the advantages of a Swiss bank account?

I've heard about bank accounts in Zurich / Switzerland, but I don't fully understand the unique advantages of swiss bank accounts. What I do believe about these (but don't know for sure): They accept ...
31
votes
6answers
6k views

How Does Home Sale Transaction Value Get into the Public Domain?

Being a privacy conscious person, when my wife and I bought our first house a few years ago, knowing that I did not consent to the information going public, I was surprised and a little perturbed to ...
26
votes
5answers
10k views

Why would a home insurer offer a discount based on credit score?

Recently I received a letter from my home insurance company: Thank you for being a Gore Mutual customer. We're working hard to ensure that our products are competitive. And we want to provide ...
22
votes
9answers
5k views

Online money management applications: Do you trust Mint.com or Quicken Online, or other personal finance tools online?

For online applications such as Mint and Quicken (online), to automatically update your accounts, they'll always ask you to enter your login info to your banking and/or investment accounts. Do you ...
22
votes
4answers
382k views

How can I send money on Paypal without revealing my real name or address?

I have not used Paypal before; however, I need to use it to send money now. I have heard that Paypal shows your real name and address when you send money. How can I stop that, so that I can send ...
17
votes
6answers
13k views

Is it safer to send credit card number via unsecured website form or by e-mail? What safer options are there?

I want to buy something from a VERY REPUTABLE Asian seller. They've got a lot of good references all over the internet. The only thing is, they are quite old-fashioned and so is their website. They ...
13
votes
5answers
41k views

Can I use Mint.com without giving out bank details & manually enter transactions instead?

Can I use Mint.com without giving out my bank details (credentials), and manually enter my transactions instead?
11
votes
3answers
3k views

Questions from dealer when paying cash for a car

My wife and I recently bought a new Chevy from a dealer here in California. We didn't use a loan, paid using a personal check. Even though we told them we weren't financing the deal, they insisted on ...
9
votes
2answers
1k views

When you e-file your taxes with TurboTax, does Intuit get a copy of your personal information?

When you e-file your federal taxes with TurboTax's PC software, do the tax forms go through Intuit's servers, or are they submitted directly to the IRS somehow? i.e. do Intuit servers ever see a copy ...
8
votes
6answers
487 views

Are you just shooting yourself in the foot if you give to charities that solicit door to door or over the phone?

It seems like if charities come to the door and you give them money, you just end up with more charities at your door. The same happens with charities that solicit by phone. They obviously share ...
8
votes
2answers
4k views

Can shops use card payments to track/profile customers?

Can shops use payment information when you pay with a debit or credit card to track a customer's buying habits? In other words can a shopkeeper link different purchases at different times in his ...
8
votes
1answer
684 views

Why does a real estate seller get to know the financing arrangements of the buyer?

If a seller of real estate will receive a payment for the full amount being negotiated when a sale closes, why do they (or do they?) get told what the financing arrangements the buyer may have made ...
7
votes
4answers
373 views

What's the fuss about identity theft?

I know, people can steal your money, or can borrow money in your name, etc. But in the end you should be able to demonstrate that you didn't do that, right? What would worry me is somebody getting my ...
7
votes
2answers
771 views

What data can be extracted from my credit card?

When handing someone (e.g., a hotel receptionist) my credit card, what data can they extract? Obviously the data that is printed on the card (i.e., personal name, various numbers, expiry date, credit ...
4
votes
4answers
481 views

Does a physical POS terminal expose my full bank card number to the merchant?

In theory, POS terminal communicates directly with the acquiring bank and has no need to tell the merchant my bank card number, cardholder name or any other details. The paper receipt I get contains ...
4
votes
2answers
120 views

What should I include on a security checklist for choosing a Tax Preparer

I am considering an in-person Tax Preparer vs doing it myself online. I feel a little safer doing it online, but an in-person Preparer can offer advice for complex Tax situations. My concern is that ...
4
votes
3answers
5k views

Sell anonymously on PayPal

I'd like to sell digital photos through my website using PayPal to help fund my photography hobby. Staying anonymous is important to me, so I don't want my name or address disclosed to buyers. A ...
3
votes
3answers
41k views

Credit card with no card holder names on it

I am interested in creating a credit/debit card for online use which in no way references my real names and etc. I need to use, for say, pay some website hosting and not expose my credit card printed ...
3
votes
2answers
2k views

"To open: fold and tear along perforation" -- why?

Why does some financial mail come in perforated envelopes rather than normal, sealed envelopes? Is it because they contain sensitive information, and normal envelope seals can be carefully opened and ...
3
votes
1answer
90 views

Does creating an Equifax account subject you to additional personal data collection?

For creating an Equifax account, (for use with security freezes, for example), this is included in the Terms of Use: You authorize and instruct Us to obtain, monitor, and compile Your: (i) credit ...
2
votes
1answer
2k views

Can you ask a bank to delete all your personal info they might still have from any closed accounts?

I have an account with a bank that I closed many years ago. I'm not sure if they still have my personal information on file or not, but is there a way to request that they purge ALL my information? ...
2
votes
2answers
3k views

Receiving online payments without disclosing my name and home address?

Is there a payment gateway or something that keeps your name/identity private and not seen that takes credit cards? Does PayPal work, or does it show your name and home address? I would ONLY like my ...
2
votes
1answer
3k views

Can customs access PayPal payment data

After buying an item internationally customs intercepted the package and was asking in its declaration form for the PayPal receipt if applicable. Falsifying such a receipt would be beyond easy, so, ...
2
votes
1answer
3k views

Anonymous CC: Does "Entropay" really not hand my personal data over to a company - are there alternatives?

these days our anonymity gets less and less and today I remembered that I actually had a virtual credit card, that I might use to shop more anonymous, from Entroypay. Now Entropay states: "Financial ...
2
votes
1answer
693 views

When sending money through Paypal which details does the receiver see?

When sending money through PayPal which details of the payer, the receiver gets? and what's the way to minimize it for the minimum details?
2
votes
1answer
137 views

Opening offshore account from UK [closed]

I have a question about how to open an offshore account (preferably Switzerland) from within UK. I am British, a resident of UK, British passport, no duel citizenship. I have no intention of living ...
2
votes
1answer
204 views

In a foreclosing Arizona home, can the bank or anyone hired by the bank access the home's interior premises without permission?

I am residing in an Arizona home that is being foreclosed upon, until the sale confirmation. Does the bank have any right to demand or assume rights to access the interior of my home while I am living ...
2
votes
0answers
197 views

Do money transfer companies have a LEGITIMATE need for a passport copy

Money transfer service Azimo asks for a copy of my passport. I sent it, after having written 'copy' on it, for security reasons. My transfer then was rejected, because 'We weren’t able to verify your ...
1
vote
3answers
3k views

Can a billionaire remain unknown legally? [closed]

I mean through undisclosed shares or any other financial ways.
1
vote
3answers
439 views

Why should I not disclose my salary?

I'm not looking to blurt out or brag about my salary in social media or anything. I'm apparently making an article about how to get a raise and I am planning to disclose the exact raise (not salary) ...
1
vote
3answers
214 views

How can cold-callers know about my general financial status

I suppose many are familiar with the situation, when you receive a cold call from someone very enthusiastic to recommend you a "great financial offer" and starts talking endless marketese, and if I ...
1
vote
1answer
108 views

periodically change the IBAN number (of the payment account) for more privacy?

A colleague told me he cancels his payment account every few years and opens a new one for better privacy. He says the IBAN and various other related info should be known to as few people as possible. ...
1
vote
2answers
386 views

Who knows exactly how much I earn?

I reside in UK and I am full time employee. I came across a job that bases new employees salary on the old one. I also have been told that I will have my credit checked if I were made an offer. The ...
1
vote
1answer
95 views

What happens to personal data I disclose for joining an employee stock plan?

My employer has offered me to participate in a stock incentive program wherein I will receive a certain amount of stock in their American parent corporation on the (ostensibly) sole condition that I ...
1
vote
1answer
242 views

How can I hide my personal information from public access when forming an LLC? [closed]

I am a US citizen want to create a company in the US that will not disclose my name or other personal information. How can I create such an entity? Are some states better for this purpose than ...
1
vote
1answer
167 views

What credit card information are offline US merchants allowed to collect for purposes other than the transaction? [closed]

I would like to know how much personally identifying information (PII), or de-anonymizable information, merchants can collect, and how to avoid providing as much as possible. Specifically, what kind ...
1
vote
1answer
2k views

What information is sent to merchant with online/POS credit card and "no name" gift card purchases?

With credit card and online: your full name, full billing address and maybe some numbers from the card? Is there a difference in this regard between a "normal" merchant account or Paypal's credit card ...
1
vote
0answers
285 views

As a US Citizen can I open a Canadian bank account without my social security number?

As I stated in the title: will I need to provide my Social Security Number if I choose to open a bank in Canada as a US Citizen?
0
votes
2answers
190 views

Depositing a fairly large check, and privacy concerns

If someone deposits a large personal check (significantly more than their regular paycheck but less than $10k) into their personal checking account, is the bank allowed to ask any questions? Is the ...
0
votes
2answers
208 views

Is it legal for a college to ask for your 12-month bank transaction history?

I'm trying to pull together my in-state residency petition before my fall bill is due after finding out suddenly that my residency was listed as out-of-state while I was on scholarship. The petition ...
0
votes
1answer
976 views

Privacy preferences on creditworthiness data

Many US banks issue a privacy statement to their customers (for this question, assume a credit card customer) containing language like what's below, followed by a yes/no "Do we share?" and yes/no "Can ...
0
votes
0answers
15 views

Are Transaction/Order/Trade ID/Numbers attached to the trade of a security sensitive information?

Some brokerages display some Transaction/Order/Trade ID/Numbers that identifies or qualified a trade of a security (e.g., the purchase of some stock): is that sensitive information? Example on TD ...
0
votes
0answers
146 views

401k plan employee rights?

Is it legal for my employer to know what I'm doing with my money that is in the 401k, that comes from my employer, without my consent? Is the financial services company that manages my 401k permitted ...
-1
votes
1answer
115 views

Mandatory verbalization of private information [closed]

This year I am no longer able to access my account over my phone due the fact that my bank decided to drop (!!!) 2FA-class authorization, so verbalization of my personal information (!) is the only ...
-1
votes
1answer
99 views

Is KYC information placed in a global database like bank accounts?

When I open a bank account or credit card, it is instantly accessible nationwide just like a credit report. What about opening an exchange account and filling out KYC information in the U.S. or ...