Privacy.com Reissuing All Cards • Hacker News Board

Re: Privacy.com Reissuing All Cards

#101

Post by leephillips » Fri, Dec 03, 2021, 10:41 PM UTC

danr4 wrote: post #96

regulatorynerd wrote: post #62

Earlier quoted context omitted.

Hi -- I'm the head of legal and compliance for Privacy.com. Unfortunately this is a bank partner requirement, otherwise we wouldn't ask. We do take customer privacy and security very seriously, and have worked hard to have similar data security safeguards as larger companies like Square and Stripe (both places I've worked, so I would know!). You can read more about some of our security practices here. https://privacy…

What if i'm not a US citizen? don't have a SSN...

“Unfortunately we cannot support international bank accounts or non-US users at this time.”

https://privacy.com/virtual-card

Re: Privacy.com Reissuing All Cards

#102

Post by jolux » Fri, Dec 03, 2021, 10:54 PM UTC

spindle wrote: post #98

danr4 wrote: post #95

Earlier quoted context omitted.

wait... what if I don't have an SSN? (not a citizen, have a us bank account)

Right, this is crazy. I'm a US citizen but don't have an SSN and couldn't get one last time I tried.

Every citizen is supposed to be given an SSN.

Re: Privacy.com Reissuing All Cards

#103

Post by aaomidi » Fri, Dec 03, 2021, 10:57 PM UTC

chuckdotis wrote: post #51

aaomidi wrote: post #48

Earlier quoted context omitted.

If it makes you feel better, your SSN is dumped into thousands of leaks already, most likely.

> If it makes you feel better, your SSN is dumped into thousands of leaks already, most likely. Actually, this reminder does make me feel slightly better about giving my SSN to Privacy.com.

Yeah at this point I assume my SSN is more of a UID username that isn't just fully-public, but I need to monitor credit and be pro-active about it, rather than some secret value.

Re: Privacy.com Reissuing All Cards

#104

Post by ranieuwe » Fri, Dec 03, 2021, 10:57 PM UTC

danr4 wrote: post #95

regulatorynerd wrote: post #69

Earlier quoted context omitted.

Hi -- I'm the head of legal and compliance for Privacy.com. Unfortunately this is a bank partner requirement, otherwise we wouldn't ask. We do take customer privacy and security very seriously, and have worked hard to have similar data security safeguards as larger companies like Square and Stripe (both places I've worked, so I would know!). You can read more about some of our security practices here. https://privacy…

wait... what if I don't have an SSN? (not a citizen, have a us bank account)

US law requires your bank to collect and verify your identity and crosscheck against a series of loste. It is part of the Patriot Act post 9/11. Unfortunately for most banks this means that they require an SSN. Technically an ID or ITIN should suffice.

Re: Privacy.com Reissuing All Cards

#105

Post by ValentineC » Fri, Dec 03, 2021, 10:58 PM UTC

regulatorynerd wrote: post #69

chuckdotis wrote: post #61

Earlier quoted context omitted.

It it possible to continue using Privacy.com without providing an SSN? As I commented in a thread below, I had started using your service connected to a debit card via my credit union. Then was required to attach a bank account/routing number as the source for funding and didn't receive an adequate answer as to why (which is fine, but it's slower to process and it requires that I provide more sensitive information).…

Hi -- I'm the head of legal and compliance for Privacy.com. Unfortunately this is a bank partner requirement, otherwise we wouldn't ask. We do take customer privacy and security very seriously, and have worked hard to have similar data security safeguards as larger companies like Square and Stripe (both places I've worked, so I would know!). You can read more about some of our security practices here. https://privacy…

Any chance Privacy could accept ITINs as well?

I've tried putting mine in, but it says (rightly) that it's an invalid SSN.

Re: Privacy.com Reissuing All Cards

#106

Post by slg » Fri, Dec 03, 2021, 11:04 PM UTC

regulatorynerd wrote: post #72

slg wrote: post #44

Can anyone figure out a reason why issuing new cards would require a new terms and conditions or is this Privacy.com just using this as an excuse to force users to accept new and presumably worse T&C (if they aren't marketing the changes then it is a safe assumption the changes aren't pro-user)?

Hi -- head of legal and compliance for Privacy.com. tl;dr is US consumer card types have lots of rules and laws attached, and we needed to have folks accept some new terms before we could give you all access to the new card types. Thanks for using our service!

So it sounds like the TL;DR is that Privacy.com is getting less private as the new terms allow you collect more user data.

Re: Privacy.com Reissuing All Cards

#107

Post by danr4 » Fri, Dec 03, 2021, 11:09 PM UTC

leephillips wrote: post #101

danr4 wrote: post #96

Earlier quoted context omitted.

What if i'm not a US citizen? don't have a SSN...

“Unfortunately we cannot support international bank accounts or non-US users at this time.” https://privacy.com/virtual-card

But I already have a Privacy account... with many cards... am I just completely screwed?

Re: Privacy.com Reissuing All Cards

#108

Post by slg » Fri, Dec 03, 2021, 11:11 PM UTC

chuckdotis wrote: post #61

mnisjk2 wrote: post #53

Hi all - I’m one of the founders at Privacy. I’d like to provide more context on why we’re asking customers to reissue cards. In an attempt to stay current with changes in card network and bank requirements, we spent the better part of this year investigating product adjustments and determined that changing our cards from prepaid debit to charge cards is the best option to preserve the customer experience. I recogniz…

It it possible to continue using Privacy.com without providing an SSN? As I commented in a thread below, I had started using your service connected to a debit card via my credit union. Then was required to attach a bank account/routing number as the source for funding and didn't receive an adequate answer as to why (which is fine, but it's slower to process and it requires that I provide more sensitive information).…

> I get that Privacy is obligated to gather certain financial information for regulatory purposes and fraud prevention, but it feels like I'm widening my attack surface providing that info.

This feels like a "you always become what you once hated" situation. Privacy.com was supposed to keep our private data private. With this change there is no way to use Privacy.com without providing even more private data.

This really should have been a choice for users. Do you want privacy or better compatibility? Considering Privacy.com's userbase and their freaking name, I would guess many users would choose privacy over that extra functionality.

Re: Privacy.com Reissuing All Cards

#109

Post by toomuchtodo » Fri, Dec 03, 2021, 11:13 PM UTC

spindle wrote: post #98

danr4 wrote: post #95

Earlier quoted context omitted.

wait... what if I don't have an SSN? (not a citizen, have a us bank account)

Right, this is crazy. I'm a US citizen but don't have an SSN and couldn't get one last time I tried.

Did you not apply for one? You’re eligible as a citizen or eligible resident. I have so many questions about this edge case.

Re: Privacy.com Reissuing All Cards

#110

Post by danr4 » Fri, Dec 03, 2021, 11:14 PM UTC

ranieuwe wrote: post #104

danr4 wrote: post #95

Earlier quoted context omitted.

wait... what if I don't have an SSN? (not a citizen, have a us bank account)

US law requires your bank to collect and verify your identity and crosscheck against a series of loste. It is part of the Patriot Act post 9/11. Unfortunately for most banks this means that they require an SSN. Technically an ID or ITIN should suffice.

I have a US bank account that I opened only using my passport and a US home address I live in. and I have a Privacy account. I don't have an SSN. Does that mean I'm locked out of Privacy come 2022?