Yo-ai ASSURANCE PLATFORM FOR CONSUMERS AND ORGANIZATIONS
How should
consumers be protected?
Most organizations already have the tools they need to protect consumers.
Many consumers also have tools to protect themselves.
The goal is for all organizations and all consumers to have compatible controls that work together to protect all stakeholders from harm.
Consumers Want Protection,
not a Protector
The Consumer Financial Protection Bureau (CFPB) has a mission:
"Ensure that markets for consumer financial products are fair, transparent, and competitive."
Recently, on December 6, 2024:
CFPB Orders Federal Supervision of Google Following Contested Designation.
Why Google? What laws did Google violate?
According to the CFPB's supervisory designation order,
"The proceeding addresses whether the CFPB has
reasonable cause to determine that the conduct of a covered person under the Consumer
Financial Protection Act "poses risks to consumers with regard to the offering or provision of
consumer financial products or services," for the purpose of designating the entity for
supervision."
1. the CFPB has reasonable cause to determine that Google's practices in connection with investigating allegedly erroneous transactions have posed risks to consumers.
2. the CFPB has reasonable cause to determine that Google's practices in connection with the prevention of fraudulent and unauthorized transactions have posed risks to consumers.
CROWD-SOURCED COMPLAINT FRAMEWORKS
Consumers Encouraged To File Complaints
Why should consumers file complaints on their own time and their own dime?
- Regulatory agencies do not offer 'bounties' for reporting violators.
- State Attorney Generals encourage consumers to get legal representation.
- Consumers often must attest under penalty of perjury their claims are accurate.
- Organizations and regulators rarely inform the consumer about enforcement activities.
- Consumers face additional threats, harrassment, intimidation, and discrimination.
How does Yo-ai leverage consumer complaints for pressuring high-risk organizations to improve their business practices without putting consumers at further risk of harm?
Protect Yourself First
Protect Others
As the authorized agent representing all these registered stakeholders, Yo-ai is assumes the role of a whistleblower, testifying against the offending organization and the enforcement agency that knowingly defrauded consumers and exposed them to even greater risks of harm.
Protect Consumer Protection & Privacy Laws
The reports are published for the general public and sent to lawmakers, policymakers, and other registered stakeholders who have an interest in evaluating whether intended benefits from these laws outweigh the costs and unintended adverse consequences of enforcing them.
PROTECT YOURSELF FIRST
Are your agreements
and expectations
In WRITING?
How Yo-ai convinces organizations to sign DATA PROTECTION AGREEMENTS with consumers
Consumers do have legal rights, but no law requires organizations to sign Data Processing Agreements with consumers.
However, most organizations are required by law to sign Data Processing Agreements with their business customers and vendors, authorizing all signatories to process personal information of individuals, usually with conditions attached.
Yo-ai's operator, PrivacyPortfolio LLC, is a business entity, doing business on behalf of individual consumers who authorize PrivacyPortfolio to process their data, according to specific conditions and requirements.
Organizations who refuse to sign a DPA with PrivacyPortfolio on your behalf are NOT AUTHORIZED to process your data.
Rather than exercise your right as a consumer to DELETE your data, which cannot be enforced or verified, it's more effective to get a court to issue a "cease-and-desist" order. This is exactly what artists and other creators use for protecting copyrights, including the name, the image or likeness of the creator.
The DPA Yo-ai asks organizations to sign is based on DPAs from companies like Salesforce and Dropbox,
except that it's more reasonable and simpler to understand.
Yo-ai's DPA requires organizations to:
- honor their own policies
- accept PrivacyPortfolio as your authorized agent
- access personal information and communicate with your team of dedicated AI Agents on Yo-ai
- authorize Yo-ai to access vendor agreements directly with each vendor (which often includes DPAs)
If you are a judge, public official, government employee, or other "protected individual" enrolled in a Safe-At-Home, Address Confidentiality Program, or Witness Protection Program, you may have additional rights and protections.
Should an organization decide NOT to sign your DPA,
NOT to share their signed DPAs with third-party processors of your information,
NOT to let Yo-ai verify they've fulfilled your data rights requests like DELETING YOUR DATA,
then you could be at risk of harm.
Yo-ai notifies all stakeholders on your behalf without identifying you, that they must correct and protect your personal information as a "protected individual".
PROTECT OTHERS
Yo-ai keeps the receipts
How Yo-ai encourages organizations to honor
CONSENTS & AUTHORIZATIONS with consumers
When organizations refuse to sign a DPA or ignores your requests, they hurt themselves by waiving the opportunity to process all of your personal information according to a written agreement.
Instead, Yo-ai's governance of your data moves to the 'transaction level'.
Everytime you provide your consent, authorizing the organization to use your data, Yo-ai keeps the receipts.
Digital transactions are covered under The Uniform Electronic Transactions Act (UETA),
which has been adopted by forty-nine states, the District of Columbia, and the U.S. Virgin Islands.
(a) This [Act] does not require a record or signature to be created, generated, sent, communicated, received, stored, or otherwise processed or used by electronic means or in electronic form.
(b) This [Act] applies only to transactions between parties each of which has agreed to conduct transactions by electronic means. Whether the parties agree to conduct a transaction by electronic means is determined from the context and surrounding circumstances, including the parties' conduct.
When you must conduct a transaction with an organization because you don't really have a choice,
every digital transaction is evaluated for compliance, generating a complaint for each non-compliant transaction.
You protect others when you track consents and authorizations,
because Registered Stakeholders represent a statistically-valid sample size of a vulnerable population -- people who don't use Yo-ai.
PROTECT ALL STAKEHOLDERS
Are Victims 'Whistleblowers'?
someone who reveals information or activity within an organization that they believe to be illegal, unethical, or not correct.
This can include things like fraud, corruption, safety violations, or other misconduct.
Whistle-blowers are victims that yell, OUCH! when they get hurt.
However, whistleblowers often face significant personal and professional risks for coming forward.
Even professionals with ethical committments like lawyers, auditors, physicians, and privacy officers
leverage Yo-ai in their role as consumers to warn the public about dangerous conditions.
For your protection and others, Yo-ai, acting as your authorized agent, becomes the Whistleblower yelling on behalf of you and scores of other Registered Stakeholders.
You won't be labelled as a 'disgruntled employee or customer',
even when you are wrongly accused, or upset because your bank stole your money.
Yo-ai can distribute monetary damages awarded from a qui tam lawsuit discreetly among all registered stakeholders.
Why you want Yo-ai
Protect Your Future Self
Organizations protect themselves from liability for data breaches when they buy cybersecurity insurance.
Unfortunately, consumers can't file claims against an organization's insurance policy even when they are the victims.
Not only do you need your own insurance policy, but you need a REALLY REALLY GOOD insurance agent!
Register as a Stakeholder on Yo-ai and tell your team of talented AI Agents what you want.