CFPB, Fed officials crack down on military mortgage fraudThe New Marketer’s Adhesive: What Makes It Stick

Google Privacy Policies and You

It appears that Google is in the process of streamlining its privacy policies for its services (YouTube, Gmail, Google Search, Google Analytics etc.) and will use the data it obtains on you as a user of its multiple platforms to deliver content. This includes behavioral targeted advertising.

Some privacy advocates are having a hissy fit because there isn’t an ability to opt-out of how Google will use your data. What they don’t realize is that Google has been collecting this data for years. The new development is that the company will now openly combine the data across platforms in order to more efficiently and effectively deliver content based upon your behavior.

All those benefits of using Google means many users mistakenly believe Google is their BFF.

But Google is a for-profit business. Its purpose is to make money. The company is not your BFF or even an ordinary friend for that matter.

If you’re using Google in your business or personal life, remember that there is no such thing as a free lunch. Someone is paying for Google to exist, for its research and development, and for the content it delivers to you.

Even if you’re not paying money to advertise on Google, you’re paying in other ways, including the behavioral data that’s being tracked. If you’re uncomfortable with that, don’t use Google. No one is putting a gun to your head and requiring you to use Gmail, Google Calendar, or the search engine.

In the brick-and-mortar world, let’s say you own an auto dealership. You offer free maintenance checks to anyone with a car, knowing that the freebie inspections will provide you with a market of potential customers who need to buy a new car or even pay to have repairs done to their existing vehicles.

You also get paid by local gas stations and car washes for placement of advertising in your windows for their businesses. Chances are the driver getting a free maintenance checkup will need to gas up the vehicle or get it washed soon.

Now imagine those taking advantage of your free maintenance checks start making demands on your dealership in order to protect their privacy. They insist that you have no right to recommend repairs, suggest they buy a replacement car, or permit advertising by local gas stations and car washes.

You would be perfectly within your rights to deny such an obnoxious driver access to your freebie inspections. If the driver didn’t like your terms, he could get his inspections somewhere else.

The same thing can be said about Google. If you don’t like Google’s privacy policies, find an alternative service provider. Let the market determine whether Google is making the right decision instead of demanding that Google change its business model in order to accommodate those who want to leech without bringing anything to the table.

What if Google changes its privacy policies after collecting your data? There’s where potential legal liability comes into play. If Google collects your data under one policy, then reneges on it, the company may face private lawsuits by users and get hit by the U.S. Federal Trade Commission (FTC) for such practices.

As a final note, remember that Google is not your BFF. In fact, Google (like other companies) is your potential competitor. If you’re making money online, you should assume that any data you provide Google can and will be used by the company to determine whether or not it wants to enter your niche either directly or through venture capital investing in one of your competitors.

iWorks Jeremy Johnson: More Internet Fraud Criminal Charges Coming

Someone forgot to tell iWorks Jeremy Johnson that when you’re already in a hole, stop digging your way to China.

Johnson stands accused of Internet fraud at I Works Inc. by the U.S. Federal Trade Commission (FTC). Specifically, Johnson allegedly raked in hundreds of millions of dollars in fraudulent online credit card charges from consumers.

If there weren’t victims, the story would be amusing. However, when you think of how many people had hundreds of dollars of unauthorized charges put on their credit cards, it isn’t funny at all. Even where Visa or Mastercard waived the fraudulent charges and ate the losses, those losses get passed along to everyone else through higher credit card interest rates and merchant transaction fees.

To fight back, Jeremy Johnson set up a “watchdog” site to attack the FTC for unjustly going after him for Internet fraud. If even half of what the FTC has charged Johnson with is true, then that’s like Bernie Madoff setting up an anti-SEC site to attack the agency for going after him for bilking billions from investors in a Ponzi scheme.

What about the new Internet fraud charges? The federal government plans to file at least a 50-count new indictment against iWorks Jeremy Johnson because of the alleged Internet fraud. With “his” assets frozen, don’t expect him to put up much of a fight.

As for his victims, there’s little likelihood they will get justice. Perhaps one day the FTC will crack down on the Jeremy Johnson wannabes who currently fly under the radar because the dollar figures involved in their Internet fraud deals are less.

Hiring a cyber business lawyer you truly need

What is a cyber business lawyer?

a cyber business lawyer is the closest thing business website owners find to a colleague. Whether you own a sole proprietorship or other entity, you need representation by your Texas website attorney.

What does a cyber business lawyer do?

a cyber business lawyer focuses on more than the nuts and bolts to make sure business website owners have the right legal documents in place from website legal documents to e-commerce contracts. your Texas website attorney is going to determine a course of action, based upon your facts, to protect you as an business website owner.

How do you pick a cyber business lawyer right now?

You probably will want to pick a cyber business lawyer who not only knows what you do online but is also a business website owner too. In other words, your Texas website attorney is a business website owner and also grasps Internet business laws and regulations.

Before you pick your Texas website attorney, you will want to check out if he grasps how ecommerce works plus applicable laws and regulations, i.e. many years of knowledge and grasps more than just the nuts and bolts. Of course, if your Texas website attorney doesnt understand the nuts and bolts of Federal Trade Commission laws and regulations that affect the Internet and doesnt understand about spam laws, Internet sales taxes, online privacy, etc., you will want to keep hunting until you obtain a cyber business lawyer who is skilled in these concerns.

You will want to also pick a cyber business lawyer who has the wisdom and connections to get you a referral for a skillful your Texas website attorney who handles lawsuits if you end up in court.

Think twice if your Texas website attorney doesnt litigate but pretends to have the knowledge or proficiency to handle lawsuits simply to keep you as a client. The same is true when your Texas website attorney with only trial knowledge pretends to specialize in transactional laws and regulations. They are very different varieties of knowledge handling different concerns under relevant laws and regulations.

CFPB, Fed officials crack down on military mortgage fraudThe New Marketer’s Adhesive: What Makes It Stick