Earlier quoted context omitted.
paulgb
if you can show me a blockchain that says the same thing I'll have 100% faith in all of you with 1+ confirmations.
I don't need to have faith, I have a smart contract for that.
Show HN: I'll mail Equifax your arbitration opt-out for free
41–50 of 92 posts
Re: Show HN: I'll mail Equifax your arbitration opt-out for free
#42I'm at home right now and showed my dad the equifax one year free thing. He happily signed up to that. But was very suspicious of paulgb. Looking through his resume and GitHub, no indication or shadiness. My dad ended up being fine with it. Also in fact congrats on having multiple popular Github repos! I'm jealous. This entire thing is a great idea. Good job.
Thanks :) I'm well aware that people would be suspicious of providing this data to a stranger, especially after their data was hacked. I've been on HN for over a decade so I hope that eases worries a bit. I just really hate arbitration clauses. I also give an option to print and mail the message yourself, in which case the data never leaves your browser.
If only there were some safe third party we could trust with reputational information, so that people could look you up there and see whether you were trustworthy.
We could have it include things like where you've lived, whether you've been sued, foreclosed, bankrupted, delinquent on loans, etc.
Hmm, but we wouldn't want that information disclosed. What if instead they gave some sort of a reputational analysis? Maybe put that data through a hash function. But then how would we compare it? Better use an algorithm to digest it to a number.
It would have to be an extremely secure system, of course, you wouldn't want it to lose the data you gave it. Maybe if it was a semi-authoritative company devoted solely to that purpose, we could call it a reputation department, or no, maybe a credit bureau.
/s
(Parenthetically though it really does make me want someone to start one of these that operates in some open, verifiable fashion rather than "trust us lol")
Re: Show HN: I'll mail Equifax your arbitration opt-out for free
#43It's worth noting that the equifaxsecurity2017 website posted the following update yesterday: "NO WAIVER OF RIGHTS FOR THIS CYBER SECURITY INCIDENT In response to consumer inquiries, we have made it clear that the arbitration clause and class action waiver included in the Equifax and TrustedID Premier terms of use does not apply to this cybersecurity incident."
Note the statement by the New York State Attorney General: https://twitter.com/AGSchneiderman/status/906195350532304896. Not enforceable.
Re: Show HN: I'll mail Equifax your arbitration opt-out for free
#44Why not charging prople? If a lot of people use it, you might run off of money.
I'd rather maximize the number of people who can participate. I figure the ceiling on what I have to pay is a round trip flight to Atlanta to deliver it by hand, and if it comes to that I wouldn't mind a trip to Atlanta :)
that's actually not that unlikely.
You have: 140 million * 10 grams * 10% * 0.01%
You want:
Definition: 14 kg
140 million is a lot of SSNs.
Re: Show HN: I'll mail Equifax your arbitration opt-out for free
#45Thanks for this! What if I don't have an equifax user id? Never signed up for any of their services
Re: Show HN: I'll mail Equifax your arbitration opt-out for free
#46It's worth noting that the equifaxsecurity2017 website posted the following update yesterday: "NO WAIVER OF RIGHTS FOR THIS CYBER SECURITY INCIDENT In response to consumer inquiries, we have made it clear that the arbitration clause and class action waiver included in the Equifax and TrustedID Premier terms of use does not apply to this cybersecurity incident."
I don't know if thats legally binding.
It doesn't matter if it is, it will easily scare off a lot of people.
Re: Show HN: I'll mail Equifax your arbitration opt-out for free
#47Now if we could only have a service or an API to file against them in a small claims court. 143 million lawsuits would be kind of crazy but interesting to see.
Re: Show HN: I'll mail Equifax your arbitration opt-out for free
#48Re: Show HN: I'll mail Equifax your arbitration opt-out for free
#49This is a great product if it provides consumers with peace of mind, but I think in hysteria most people haven't realized that the arbitration clause only applies to TrustedID, not to the breach itself. The clause as shown is just the standard terms for TrustedID and applies to nothing else. The New York State Attorney General has confirmed this through Equifax.
Why not offer this as a Chrome extension that detects any arbitration clause in any TOS and gives users options to opt-out, including the ability to mail an opt-out through an API?
Re: Show HN: I'll mail Equifax your arbitration opt-out for free
#50This is a great product if it provides consumers with peace of mind, but I think in hysteria most people haven't realized that the arbitration clause only applies to TrustedID, not to the breach itself. The clause as shown is just the standard terms for TrustedID and applies to nothing else. The New York State Attorney General has confirmed this through Equifax. Why not offer this as a Chrome extension that detects a…
>Why not offer this as a Chrome extension that detects any arbitration clause in any TOS and gives users options to opt-out, including the ability to mail an opt-out through an API?
probably because thats like a million times more work?