A Woman Asked Tinder for All Its Data on Her. Their 800-Page Reply Will Terrify You

Think about all the information internet companies have collected about you. Now think about all of it being made public. (This shouldn’t be too hard to imagine given the recent, massive Equifax breach.)

Chances are good that the nightmare scenario which flashed through your mind involved sensitive financial data and hackers making lavish purchases or taking out ruinous loans. That indeed is a horrifying picture. But I have bad news for you, this is probably only the tip of the iceberg when it comes to personal secrets stored up and poorly guarded by companies you interact with every day.

Imagine 800-pages of your deepest secrets

At least that’s what you’d have to conclude from a chilling, must-read article by Judith Duportail in the UK Guardian recently. “A typical millennial constantly glued to my phone,” Duportail uses European regulations to request all the data dating app Tinder has collected on her. The company’s response will terrify you:

Some 800 pages came back containing information such as my Facebook “likes”, my photos from Instagram (even after I deleted the associated account), my education, the age-rank of men I was interested in, how many times I connected, when and where every online conversation with every single one of my matches happened …

Reading through the 1,700 Tinder messages I’ve sent since 2013, I took a trip into my hopes, fears, sexual preferences and deepest secrets. Tinder knows me so well. It knows the real, inglorious version of me who copy-pasted the same joke to match 567, 568, and 569; who exchanged compulsively with 16 different people simultaneously one New Year’s Day, and then ghosted 16 of them.

Of course, Tinder, being a dating app, is particularly likely to know extremely personal details about you, but don’t be comforted if you don’t use Tinder. If you use Facebook or other social media apps, the trove of data out there on you is probably even bigger.

“I am horrified but absolutely not surprised by this amount of data,” data scientist Olivier Keyes tells Duportail. “Every app you use regularly on your phone owns the same [kinds of information]. Facebook has thousands of pages about you!”

And while this shouldn’t come as a huge shock — Tinder’s privacy policy comes right out and says they’ll be collecting everything and it won’t necessarily be kept secure– seeing all that information printed out physically was still a wake-up call for Duportail.

“Apps such as Tinder are taking advantage of a simple emotional phenomenon; we can’t feel data. This is why seeing everything printed strikes you. We are physical creatures. We need materiality,” Dartmouth sociologist Luke Stark explains to her.

If you’re not a European citizen (and a journalist with the skills and professional inclination to engage a lawyer and internet rights activist to aid your quest) you’re unlikely to ever see the physical manifestation of the mountains of personal data myriad companies are collecting on you right now. Which is why Duportail’s experiment is such a public service.

What should do you do about it?

What should you do about the reality this experiment revealed? As Duportail points out, for many of us, our online and offline lives have grown so entangled it’s basically impossible to share less data without radically overhauling our lifestyles. Though there are, of course, still sensible steps to take to protect important financial data, like setting up fraud alerts, using more secure passwords or a password manager, and enabling two-factor authentication where available.

But the truth is, while these steps might thwart hackers, they won’t prevent businesses from using your data to tailor what they offer you and how much they charge for it, which is completely legal. And that alone worries some.

“Your personal data affects who you see first on Tinder, yes,” privacy activist Paul-Olivier Dehaye tells Duportail. “But also what job offers you have access to on LinkedIn, how much you will pay for insuring your car, which ad you will see in the tube and if you can subscribe to a loan.” Thinking through the implications of this reality and responding appropriately is beyond the scope of any one individual. Instead we’ll have to have society-wide conversations about the dangers and ethics of this sort of ‘big data.

In the meantime though, just visualize that 800-page dossier of secrets to keep you alert to how much you’re really sharing online.


How Millennials Are Choosing to Spend Their Money

  • Millennials are using less credit than their parents did when they were younger, according to TransUnion.
  • But two categories are different: personal and auto loans.
  • Millennials’ needs are not vastly different from those of the generation before them at their age, but modern technology offers a huge opportunity to lenders.

Millennials are using credit quite differently than the generation directly ahead of them did at their age.

A new TransUnion study shows that those ages 21 to 34 are opening more new auto and personal loans than Generation X (people born from 1965 to 1979) did years ago.

For the study, TransUnion compared the borrowing habits of Gen Xers in 2001 — when they would have been the age of today’s millennials — and millennials in 2015.

It found that the gap wasn’t caused by differences between the desires of millennials and those of their parents. It’s more because of the kind of products available and, if anything, it helps to dispel some myths about millennials.

For example, financial technology lenders granting personal loans didn’t exist 20 years ago, said Ezra Becker, the senior vice president of research and consulting at TransUnion.

“Banks and traditional lenders definitely offered personal loans, but they didn’t aggressively market them,” he told Business Insider. “They more aggressively marketed their credit cards and loans and mortgages. Personal-finance loans were tied to furniture or other types of retail finance.”

Online lending firms like SoFi and Prosper also benefit from the first generation that grew up on the internet.

“Even if you got approved, it might take several days to be funded,” Becker said about personal loans. “In contrast, you can get funded the same day or next. And if you get rejected, there’s nobody looking at you, judging you.”

Millennials are carrying two fewer bank cards and private-label cards than Gen X, TransUnion found.

One potentially worrying trend is that many more subprime millennials are missing payments on personal loans than on bank cards, auto loans, and mortgages. Millennials with weak credit scores are ahead of Gen X by 12.4% in their delinquency rates on personal loans, compared with a 1.8% gap on late car payments.

While the reason is unclear, Becker suggested that some younger lending companies needed time to mature and learn how to evaluate their customers’ risk.

Screen Shot 2017 08 30 at 4.36.04 PMTransUnion

Millennials are also taking out more loans for cars and trucks than Gen X.

Screen Shot 2017 08 31 at 7.46.35 AMTransUnion

“It doesn’t mean consumers want cars more or less than they used to,” Becker said. “Unless you live downtown or in Manhattan, it’s kind of inefficient to not have a car.” Simply put, millennials do have a lot in common with their parents.

Their higher use of auto loans is partly because lenders have stretched out the term of payments to as long as six or seven years, making it cheaper to borrow on a monthly basis.

It’s worth noting that borrowing costs were higher in 2001 than in 2015, when TransUnion looked into millennials’ habits.

The research also confirmed that millennials were taking out fewer mortgages than their parents amid an overall decline in homeownership and the lingering effects of the recession. Also, student debt is at a record high.

This post originally appeared on Business Insider.


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pls can anyone help me with this assignment cos i need to submit it tommorrow.it is very imporatant and carries 100 mark.thank you as do,you can elaborate on it.

Best answer:

Answer by Zarn
You haven’t even begun to give the depth of detail necessary to fully answer your question. I’m assuming this is an assignment given in a specific course or something similar. In that case, you’re probably supposed to use some kind of given process in order to determine “desktop and server computing” (a phrase which does not mean what you think it means, by the way).

Though an exacting answer would need a lot more information, such as what the firm’s business is, what demands the firm has to uptime, and so on, a simple answer for a pretty good system would be:

* 12 desktop computers (one per employee), 2 in backup (kept updated with the standard image, or at least simple to replace).
* 2 servers onsite, where one serves as the main server and the other one is a hot backup.
* One server kept in the cloud or at least offsite, for emergencies and off-site backup.

It’s pretty simple to explain this – always have at least one computer per employee that works with computers, always plan for at least 20% fail rate, and have one onsite and one offsite contingency plan in case of problems.

What do you think? Answer below!