Online privacy laws are driving change in cyber insurance
This article was produced in partnership with LOKKER.
Desmond Devoy of Insurance Business America sat down with Jeremy Barnett, chief commercial officer of LOKKER, to discuss how companies can keep their client information safe from tracking.
Lawsuits and expanding regulatory actions against companies that track user activity are having an impact on the cyber insurance industry.
“Cookie consent is not enough,” said Jeremy Barnett.
“The wave of class action lawsuits regarding the Meta Pixel and session recording scripts on company websites are impacting cyber claims,” said Barnett, who is the chief commercial officer at LOKKER, a customer privacy and online security firm. “Regardless of a user’s consent, organizations that violate data privacy laws are subject to expensive legal actions that are hitting cyber policies.”
Recent lawsuits are a red flag for cyber insurance
A class action lawsuit filed against Chick-fil-A, alleges that the restaurant chain violated the 1988 Video Privacy Protection Act (VPPA). The suit claims that the company allowed the Facebook tracking pixel to identify a user’s video watching behaviour, when it posted a series of holiday videos on its website.
“It’s not so much the fact that Chick-fil-A tracked video-watching on its website. It was the fact that the restaurant shared personally identifiable data with Facebook about who was watching these videos,” said Barnett. “The plaintiff’s attorneys claim the data sharing is a violation of the VPPA.” Over 40 cases of VPPA violations have been filed including claims against a broad range of companies including HBO, the NBA, CNN, Buzzfeed, and PBS.
When it comes to your personal medical information, that’s another thing – and another set of laws, like HIPAA (Health Insurance Portability and Accountability Act) from 1996. Under a Federal Trade Commission (FTC) order announced this past February GoodRx may have to pay a civil penalty of $1.5 million for failing to report its unauthorized disclosure of consumer health data to Facebook, Google, and other companies.
Then in March, BetterHelp was also ordered by the FTC to pay $7.8 million for deceiving customers after promising to keep sensitive personal data private. The FTC had charged that the company revealed consumers’ sensitive data with third parties like Facebook and Snapchat.
“GoodRx and BetterHelp had a business model that said, ‘We’ll provide you discounted services, or telehealth services in exchange for us being able to share your information with our partners to help you get health care that you need.’ I think that their intentions were good– to increase access and reduce the costs of care by creating marketing partnerships for healthcare consumers. Unfortunately, the means to promote these services may have violated privacy laws.”
Without a US national data privacy law, federal authorities, like the Department of Health and Human Services, and the Office of Civil Rights, which enforces HIPAA, and the Federal Trade Commission are stepping in with enforcement actions. Barnett adds, “And plaintiffs’ attorneys, recognizing that consumers are demanding online privacy protections, are challenging organizations in every industry with litigation to become better stewards of their customers’ private information.”
“While individual states are drafting and implementing sweeping privacy legislation, companies are on alert to make sure that they’re not sharing sensitive customer data with third parties,” said Barnett. “Cyber insurers, often footing the bill for privacy litigation and settlement costs, are now assisting these organizations in proactively identifying risks and using advanced tools to underwrite with greater intelligence.”
Companies may not be putting tracking software on their websites for any malicious reasons.
“Hospitals, retailers, banks are all using adtech to get better information about their site visitors to improve their own services,” he said. “Unfortunately, these trackers are also sending potentially identifiable information back to data brokers as well as directly to Facebook, Google, LinkedIn, Snapchat, Oracle and TikTok that often exploit personal information without the user’s knowledge nor permission. .”
What can companies do to protect their users and themselves?
“Organizations need better tools to run their web operations in compliance with privacy laws,” remarked Barnett.
“The way online tracking technology has evolved has increased in both sophistication and obfuscation,” he said. “Cookies, pixels, and trackers are shrouded in mystery and hidden from the visible website. When we do our shopping, our tax filing, our telehealth, there’s amazing convenience. But what sacrifices to our privacy are we making for that convenience?”
He hopes that these enforcements will encourage companies to adapt how, why, and if they collect this type of information.
“It is forcing companies to get their legal, IT and marketing people together to better understand what their website is actually doing behind the scenes,” he said. “They need better tools, better practices, and a shared vocabulary about data privacy not just so that they can comply with the law, but so that they can actually be better stewards of customers’ data.”
Cyber insurers have been instrumental in driving cyber security practices like adoption of firewalls, dual-factor authentication, and endpoint threat detection solutions. With the growing online privacy threats, insurers are now helping nurture an ecosystem of data privacy solutions and privacy-by-design practices, as well. While new privacy regulations are a major driver of behavioral change in business, cyber insurers are in a strong position to drive privacy compliance through underwriting practices, as well.
Related Stories
Keep up with the latest news and events
Join our mailing list, it’s free!
I was able to find good info from your blog articles.
Also visit my page :: replica belts for sale
It’s going to be ending of mine day, however before finish I am reading this
enormous paragraph to increase my know-how.
My family members all the time say that I am killing my time here at
net, except I know I am getting knowledge everyday by reading
thes pleasant articles.
buy tadalafil 20mg pills buy cialis 20mg online buy ed pills canada
cefadroxil over the counter order cefadroxil 250mg sale order finasteride 1mg sale
estrace 2mg sale order lamictal 200mg pill minipress buy online
mebendazole 100mg generic buy tretinoin cream online order generic tadalafil
buy metronidazole sale how to buy metronidazole buy keflex online
order avanafil 200mg sale avana 100mg drug order voltaren generic
clindamycin generic buy generic erythromycin cheap erectile dysfunction pills online
indomethacin brand lamisil 250mg pill cefixime for sale online
► Na Váš mobil Vám príde SMS s kódom Neodpočítavame príliš veľa známok pre nedostatok funkcie živého vysielania, aby sa stal lepším hráčom nejakú dobu trvať. Online kasíno s platbou kartou ec jednou z populárnych hier dostupných na Posh Bingo je Golden Grimoire od spoločnosti NetEnt, a to môže byť dlhší proces pre niektoré – jeho dôležité. NIKÉ – 50 FREE SPINOV BEZ PODMIENOK May 18, 2021 at 1:30 pm Kasino Cez Sms NIKÉ – 50 FREE SPINOV BEZ PODMIENOK Online kasíno DOXXbet nových hráčov za registráciu a overenie účtu odmení 50 zatočeniami zdarma v hodnote presne či približne 5 EUR (0,09 € / 0,10 € za 1 voľné točenie) s tým, že na ich využitie máte luxusných 30 dní od pripísania. Free spiny smiete využiť iba na hracích automatoch Berry Berry Bonanza, Gem Heat, Legend of Hydra, Lucky Emeralds, Royal Respin Deluxe alebo aj Shields of Rome. Tieto hry nájdete v hernej zóne “Kasíno”, pod “Automaty” (viď obrázok nižšie).
https://e-delco.com/bbs/board.php?bo_table=free&wr_id=221217
Naše stránky CasinoAutomaty.eu vám prinášajú vždy najnovšie novinky zo sveta online casin, ale aj recenzie výherných automatov, bonusy a exkluzívne ponuky len pre našich čitateľov. Pravidelne vás budeme informovať o aktuálnych akciách, ktoré online casina organizujú a ktoré nesmiete prepásť. Poradíme vám, ako si vybrať najlepší kasíno a získať maximálny vstupný bonus, napríklad v populárnom Fortuna Casino alebo Kajot Kasino a obdržať tu voľné hry na hracie automaty zadarmo. Po aktivácii účtu môže kasíno ponúknuť bonus bez vkladu alebo roztočenie zadarmo ako gesto privítania, Dealer zatrasie touto hrudníkom a otvorí ju. Vedeli ste, že slovenské online kasína rozdávajú bonusy bez vkladu a spiny zdarma každý deň!
nolvadex us order budesonide online cheap cefuroxime 500mg us
order amoxicillin 500mg generic clarithromycin canada generic biaxin 500mg
Also, you can play most games at PA casinos online for fun. Playing games in demo mode, or with play-money chips, allows you to find the titles you like before you gamble. Undoubtedly, the biggest advantage of playing casino games on your Android device is the increased level of flexibility that comes with mobile play. You can download and install applications with casino games from the Google Play Store from any location as long as your Android smartphone or tablet is connected to the internet. You can play casino games to pass the time while you are waiting for your bus, while traveling or during your lunch break. Bovada also offers real money bonus offers. You need to have three matching elements on board to get these offers. Having matching elements gives you 25 free spins, which increases your multiplier. Mystic Element’s payout is on the high rise. You can also play this game in other online casinos like Ignition and Cafe Casino.
https://mysticalwares.com/community/profile/ublamelie423082/
No. Poker players in the United States cannot sign up at GGPoker at the present time. Those in the US that are hoping to get in on the GGPoker action are, unfortunately, out of luck for the time being as neither the GGPoker site nor its associated skins are legal to play from the US. When asked for a bonus code, type in the NEWBONUS code. This allows you to get your welcome bonus. Site-ul PlayGG.ro este deținut și operat de către WindGG International Limited, societate înmatriculată conform legii societăţilor comerciale din Malta, cu sediul social în 2 Spinola Road, St. Julians STJ 3014, Malta, număr de înregistrare C96895. Licența nr. L1213892W001345, emisă de Comitetul de Supraveghere din cadrul O.N.J.N., valabilă din data de 01.11.2021 până la data de 31.10.2031.
Disfruta de una auténtica corrida de toros española en Bull Rush™, una tragaperras con 5 rodillos y 20 líneas de pago. Los premios más altos se obtienen con el torero. Hay códigos disponibles hoy y 1 ofertas en Gametwist. En promedio Gametwist tiene cupones y 1 promociones en línea Hay códigos disponibles hoy y 1 ofertas en Gametwist. En promedio Gametwist tiene cupones y 1 promociones en línea El toro es el comodín en esta tragaperras. Sustituye a los demás símbolos, excepto al Scatter. El Scatter es la entrada a la plaza y da premio si sale al menos cuatro veces, independientemente del transcurso de las líneas. Así puedes jugar online en GameTwist al juego del dominó: Con sus características innovadoras y tecnología de punta, este título de juego brindará una experiencia de juego sin igual a los jugadores de este renombrado casino
https://noon-wiki.win/index.php?title=Governor_of_poker_gratis
¡REGALAMOS PAQUETES DE $15.000 A LAS VEGAS! Las apuestas realizadas con la opción ‘Crear apuesta’ son aquellas que se han realizado mediante la opción ‘Crear apuesta’ y no han sido realizadas como una apuesta normal, debido al hecho de que están interrelacionadas. Just like its poker cousin, the aim is to make the best five-card hand using a combination of your two hole cards and the five community cards. LLÁMANOS GRATIS 800 300 085 ¿Preocupado por tu juego? Esta página de comparación cuenta con el respaldo de pagos de operadores clasificados en nuestra página y el pago puede afectar la clasificación y posicionamiento de los sitios enumerados. Si bien hacemos todo lo posible para garantizar que las empresas que publicitan en nuestra página sean confiables y tengan todas las licencias para ofrecer el poker, las clasificaciones no implican necesariamente el respaldo a las compañías o sus productos por parte de PokerStrategy.
If you’re new to betting we can also help. Don’t be scared to ask questions in our comments section, there’s always someone willing to help with your query and don’t miss our library of Masterclasses which have been written to help guide new and experienced bettors to improve how they bet. All these free tips are available as single bets, or as part of an accumulator. So whether it’s for the Premier League or other top European competitions, there’s a multitude of data, charts and predictions available to help you build a winning bet. Dwayne’s projection and research (included in the write-up) are in full agreement, and that means it’s time to UNLOAD. This massive 5% CBB MAX Bet is normally $35, but it’s yours today for just TWO BUCKS. Don’t miss out!
http://www.daonmindclinic.com/bbs/board.php?bo_table=free&wr_id=42260
Are you looking to get skilled in how to predict straight win? We have done the heavy lifting for you and you can rely on our straight win predictions for today to guide you. VIEW PREDICTION Are you looking for reliable football betting tips on the match of your choice? Do you need advice or help to confirm your own intuitions for Premier League predictions or Champions League tips? If so, you have come to the right place! Talking about websites that focus majorly of football predictions then Zulubet is the go to website We optimise our soccer predictions(predictz) and tips for maximum flexibility and convenience, with categories catering to different betting markets such as both teams to score (BTTS), over 1.5, under 1.5, over 2.5 goals, over 3.5 goals, 1st half goals, double chance, fulltime handicap, accumulators, Chance Mix, Combo, highest scoring half, win either half, win both halves and many more.
Die Suche ist dank des übersichtlichen Menüs denkbar einfach. Tatsächlich gibt es 15 Optionen, wie man die Slots filtern kann. Diese setzten sich wie folgt zusammen: Beliebteste, Neue Spiele, Holidays, Daily Jackpot, Sport, Netbet Auswahl, Jackpot, Spielautomaten, Roulette, Blackjack, Baccarat, Live Casino, Kartenspiele, Anbieter und Alle Spiele. Zusätzlich gibt es auch ein Suchfeld, damit Du Deinen Lieblings Slot sofort findest. Man kann das Mobilcasino NetBet problemlos installieren. Sie haben dabei grundsätzlich zwei Möglichkeiten. Entweder spielen Sie ohne Download direkt aus dem Browser oder nutzen Netbet Casino App. Jede Form hat ihre Vorteile. Spielen Sie in Ihrem mobilen Browser, dann haben Sie blitzschnellen Zugriff auf Ihre Lieblingsspiele. Dafür brauchen Sie nur in Ihrem Browser die URL Adresse einzugeben. Wenn Sie aber NetBet mobile App herunterladen, ist Ihnen das technisch ununterbrochene Spiel garantiert. Netbet App Store sichert Ihnen den wahren und vollständigen Spielgenuss unabhängig von eventuellen Hemmungen im Internetempfang.
http://kiela.or.kr/bbs/board.php?bo_table=free&wr_id=25
Download Casinos sind Plattformen, die für den Zugriff auf Spiele die Installation geeigneter Software auf dem Gerät erfordern, wie zum Beispiel eine Anwendung für ein mobiles Casino. Nach dem Herunterladen hast Du schnellen und einfachen Zugriff auf das gesamte Spielangebot des Casinos. Diese Art von Online Casino ist heutzutage bei den Spielern nicht die beliebteste, da es sich für den Einsteiger, als auch den erfahrenen Spieler altmodisch und zeitaufwändig anfühlt. Vergibt ein Bonus ohne Einzahlung Casino einen Echtgeld Bonus, so ist das für einen Neueinsteiger wie ein kleines Willkommensgeschenk mit dem man das Casino kennenlernen kann als hätte man bereits etwas eingezahlt. Dies ist sowohl eine Chance für den Spieler als auch für das Casino, denn wenn der Spieler sich wohlfühlt, wird er auch gerne bleiben.
Meanwhile, Lululemon recently announced its first foray into personal care with a collection of gender-neutral “self-care” products, including shampoo, deodorant, and lip balm. ULTA brand awareness, usage, popularity, loyalty, and buzz among beauty and health online shop users in the United States in 2022 No matter what your skin type or skin care concerns are, SPF is an essential step. This dermatologist-trusted sunscreen provides full-spectrum UVA UVB mineral sun protection, and it’s formulated with niacinamide and hyaluronic acid to hydrate and soothe skin. The oil-free formula works as a primer underneath makeup. Haircare company Prose invites customers to take a 25-question quiz and then analyzes over 80 factors to create custom formulas for shampoo, conditioner, and other hair care products.
http://veselie-kartinki.ru/user/k9ncqlm965
They say: Breathable skin technology, Moisturises for up to 25 hours. Long wear foundation. Light to Medium coverage. So this is a 1% hyaluronic acid serum and it’s tinted, so it’s not a foundation, it’s a serum. The first thing that came to my mind when I saw this product was, This serum-foundation hybrid is a masterclass on how to get natural-looking base makeup right. Not only did my skin look dewy, but the coverage it provided for a product this lightweight is exceptional. Though my skin veers on the combination-to-oily side, the added hyaluronic acid means it could also work for people with dry skin. Finding the right lighting is an important step when picking the right foundation shade, as different light types have different tones, which may influence how the undertone of your chosen shade appears. Skip the in-store fluorescent lighting when shade matching and head out into natural light for a more accurate view.