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PROTECTION - WHAT IS HAPPENING? Earlier this year I worked for a
directory enquiries service based in Dublin. During
this short period of time I first became aware of data
protection, and the rules and regulations governing the provision of
data services. During training I was told that if the
caller did not give a proper name, and at the very least
a street address, then it would not be possible to fill
their request. In front of me on a computer screen was a
vast computer database, owned and maintained by a private
company, containing names and addresses of all telephone
and mobile network users in Ireland. This was my first
experience of commercial data retrieval and I was rather
alienated by that experience. In return for receiving
information freely available in our telephone books, the customer is charged
a high per-minute rate. The customer is then encouraged
to continue paying, as they are connected to numbers
paying the directory rate, often without getting the
actual piece of information that they were originally
looking for. The operator, on the other hand, gets a
bonus point for deceiving the customer into this
arrangement. I said to myself: "why do people not
wake up and start looking at their phone bills." It
was perfectly clear to me that everyone in the data
provision industry is out to make a killing, regardless
of the actual cost of supplying data. The directory
enquiries company is effectively "the middle
man" in an expensive quest for cheap and basic
information.
More recently, I read in the Guardian about an English
database called Experian, which holds detailed
information of about 40 million individuals. This service
grew out of a cus tomer
database of home shopping catalogues and it is now a huge
money-spinner of frightening proportions. Apparently
Experian is the worst "big brother" nightmare.
Experian knows everything about the misfortunate
individuals who are completely unaware that their lives
are being recorded. Experian makes the directory enquiry
database look trivial, containing a much greater amount
of highly personal detail, such as addresses, bank
records, credit rating, education history, criminal
history and all detrimental data supplied to recent
employers. For a modest £19.50 per query landlords can
find out if you are truthful about why your last
apartment burnt down. Your prospective employer can
purchase information about you that will supply them with
a ready made CV, that is perhaps not quite as glamorous
as the one you spent months labouring over. It is also
possible to do reverse searches, matching telephone
numbers to names. According to the figures put forward in
the Guardian newspaper, Experian filled 80 million
information requests in the last year. Experian is passed
the records of individuals, solely for commercial gain,
building a vast private-sector information empire that
has the potential to recoup millions in customer
profiling and other insidious forms of commerce. While
most people worry about ID cards and security services,
they are ignorant of the fact that Experian is just round
the corner watching every move! This activity is not
regulated or controlled by the government, and this
company would easily sell your whole life history to the
highest bidder.
Think about how easy it is to create an
entire profile of a person's life! For example, I am
sitting here in my apartment operating my mobile phone. A
nearby mast receives the signal, locating my geographic
area near the south bank of the river Lee. A CCTV camera
that is pointing at the front gate of the apartment complex recorded me putting
the rubbish out yesterday morning. I send an sms text
message to a friend, which is undoubtedly recorded
somewhere in the phone network system. I log onto the
Internet with my dial up modem and visit several
websites, which each store a small file (cookie) on my
computer's hard disk. These little bytes of information
will identify me on my next visit, enabling marketing
information in some unknown database. I collect my emails
from my POP server, which is probably being monitored by
a system that collects and stores suspicious email. It is
quite likely that during my browsing session, I will sign
up for something, giving out my name and email address,
which will further facilitate profiling and endless
streams of email advertising. I sign an Internet guest
book with some badly thought out and potentially
embarrassing comment, which is immediately gobbled by a
meta-crawler search engine (robot), and next time
somebody does a search with the terms "Rory
Braddell", up pops a link to my idiotic
statement.
There are a lot of computer programmes
that are quite devious and try connecting and
communicating with their manufacturers on a frequent
basis, often uploading annoying banners. File share
programmes of the Napster generation allow you to
download files from other like-minded computer users.
Computer users do not realise that these programmes are
like leaving the front door to your house wide open! A
computer hacker can quite easily gain access to your hard
drive and insert a programme that allows them to come and
go as they pleases. Likewise, the popular chat software,
like ICQ, can create serious security vulnerabilities. In
addition, some web sites collect information like your
server's ISP number, which is a potential hacking tool.
Data is not safe in this digital world and if you have
something to hide you are better to write it on toilet
paper and hide it somewhere in your shoe.
Citizens often do not realise that they
have rights under law to find what data is being stored
and if it is correct or not. In Ireland the Data
Protection Act 1988, makes several important provisions
under law. The right of access allows us to request a
copy of information kept on a computer database. Simply
make the request in writing to the company concerned, and
if you do not get a favourable response, then complain to
the Data Protection Commissioner. The right of
rectification of erasure allows you to insure that the
information held about you is accurate and you have the
right to correct it. Your recourse to law is provided by
the right to complain to the data protection Commissioner
and ultimately the right to seek compensation through the
courts. Under the act it is also possible to obtain a
register of data controllers, maintained by the Data
Protection Commissioner (or in the UK, The Information
Commissioner). As I discovered in my job as a customer
service representative, the organisations that keep
personal data have a responsibility to:
1. Obtain the information legally.
2. To use it only for the purpose provided.
3. To secure information.
4. To maintain its accuracy.
5. To retain it only for the period and for the purpose
it was given.
This is kept under the scrutiny of the Data Protection
Commissioner and the courts will prosecute offenders. It
is the responsibility of every citizen to discover their
individual rights and act as a watchdog against these
unscrupulous private sector companies. Always ask the
"customer service representative" where they
got your name from and what type of information they have
at their disposal!
In Ireland the Freedom of Information Act 1997 came into
force on 21 April, 1998, establishing further statutory
rights:
1. A legal right for each person to access information
held by public bodies
2. A legal right for each person to have official
information relating to him/ herself amended where it is
incomplete, incorrect or misleading
3. A legal right for each person to obtain reasons for
decisions affecting him/ herself
The Act extends our right to have access to official
information, with respect to public interest and the
right to privacy of individuals. This gives a person the
right to request information from certain state bodies in
addition to private sector interests. Under this act you
can apply for information related to your social
insurance, tax records and social welfare claims. There
are obvious exceptions relating to national security and
police records.
One major problem is the
extension of services that are not actually operated from
the country where the customers are actually located. For
example, in the UK, both the Data Protection Act and the
Official Code of Banking (agreed by the financial
institutions) regulates the banking practices. Banks
cannot map their customers' spending habits and sell
services on the strength of that information.
Unfortunately, that is not always the case, as e.g. US
credit card companies operate in the UK without signing
up to this code. In addition to this, retail companies
have created loyalty cards that are able to map out a
person's entire spending habits and second-guess what they will buy next.
Every person is a potential money spender, and
information obtained as to his or her behaviour, is very
valuable in this consumer-orientated world. In other
words, if I were lucky enough to be granted a credit
card, given my bad credit rating, then "big
brother" would also know what I eat for
breakfast.
To find out more information on data privacy and your
rights under the data protection act (Republic of
Ireland) visit:
http://www.dataprivacy.ie
A person wishing to access their credit rating (Republic
of Ireland) at the Irish Credit Bureau should contact the
ICB with a simple request in writing.
Irish Credit Bureau, Clonskeagh Road, Dublin 14. Tel.
(01) 260 0388
Other requests can be made to specific government
departments, but administrative fees may apply.
For readers in the United Kingdom visit http://www.uk.experian.com to avail of credit rating
repair services and order you credit file (for a small
fee). The eight principles of the UK's Data Protection
Act 1998, and information about the information
commissioner are available at: http://www.informationcommissioner.gov.uk
Please direct comments on this article to: braddellr@eircom.net
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