Is Personal Data Really Private?Nea

Is Personal Data Really Private?
Nearly everything you do online—from the
Web sites you visit to the Facebook pages
you “like”—is being tracked by a business.
Advertisers want to know about your activities
so they can show you appropriate online ads; retailers want
to know what you buy so they can send you targeted e-mails
and catalogs. But are your personal details really private?
Although privacy policies are supposed to explain which
details each Web site collects and who will have access to
your private data, these policies may not tell the whole
story. After Facebook changed its privacy policy and then
reset users’ privacy controls on its own, the Federal Trade
Commission charged the firm with making “deceptive
privacy claims.” Users believed their personal details were
private, yet advertisers and others were allowed access.
Now, in a settlement with the FTC, Facebook has tightened
its privacy controls, and its privacy program must be
monitored for the next 20 years to ensure compliance. The
FTC also thinks Internet users should be able to opt out
of online tracking if they choose. Meanwhile, millions of
individuals have already installed anti-tracking software
such as Ghostery and Do Not Track Plus for added online
privacy.
sources: Based on information in Byron acohido, “consumers turn to Do-not-track
software to Maintain privacy,” USA Today, December 29, 2011, www.usatoday.com; joel
stein, “your Data, yourself,” Time, March 21, 2011, pp. 40-46; Fahmida y. Rashid, “Facebook
settles Ftc charges about privacy policy changes, Misleading users,” EWeek, november 29,
2011, www.eweek.com.



testing purposes, (2) to reduce liquor and cigarette billboard advertising in low-income,
inner-city neighborhoods, and (3) to encourage recycling.
Educating consumers to make wiser purchasing decisions is perhaps one of the
most far-reaching aspects of consumerism. Increasingly, consumer education is becoming a part of high school and college curricula and adult-education programs. These
programs cover many topics—for instance, what major factors should be considered
when buying specific products, such as insurance, real estate, automobiles, appliances and furniture, clothes, and food; the provisions of certain consumer-protection
laws; and the sources of information that can help individuals become knowledgeable
consumers.
Major advances in consumerism have come through federal legislation. Some
laws enacted in the last 50 years to protect your rights as a consumer are listed and
described in Table 2.4.
Here is the 2009 list of proposed legislation to protect consumers and investors:16
●● Accountability and Transparency in Rating Agencies Act of 2009
●● Consumer Financial Protection Agency Act of 2009
●● Corporate and Financial Institution Compensation Fairness Act of 2009
●● Credit Risk Retention Act of 2009
●● Dissolution Authority for Large, Interconnected Financial Companies Act of 2009
●● Federal Insurance Office Act of 2009
●● Financial Stability Improvement Act of 2009
●● Investor Protection Act of 2009
●● Over-the-Counter Derivatives Markets Act of 2009
●● Private Fund Investment Advisers Registration Act of 2009
Most businesspeople now realize that they ignore consumer issues only at their
own peril. Managers know that improper handling of consumer complaints can result
in lost sales, bad publicity, and lawsuits.

Hasil (Bahasa Indonesia) 1:

Is Personal Data Really Private?Nearly everything you do online—from theWeb sites you visit to the Facebook pagesyou “like”—is being tracked by a business.Advertisers want to know about your activitiesso they can show you appropriate online ads; retailers wantto know what you buy so they can send you targeted e-mailsand catalogs. But are your personal details really private?Although privacy policies are supposed to explain whichdetails each Web site collects and who will have access toyour private data, these policies may not tell the wholestory. After Facebook changed its privacy policy and thenreset users’ privacy controls on its own, the Federal TradeCommission charged the firm with making “deceptiveprivacy claims.” Users believed their personal details wereprivate, yet advertisers and others were allowed access.Now, in a settlement with the FTC, Facebook has tightenedits privacy controls, and its privacy program must bemonitored for the next 20 years to ensure compliance. TheFTC also thinks Internet users should be able to opt outof online tracking if they choose. Meanwhile, millions ofindividuals have already installed anti-tracking softwaresuch as Ghostery and Do Not Track Plus for added onlineprivacy.sources: Based on information in Byron acohido, “consumers turn to Do-not-tracksoftware to Maintain privacy,” USA Today, December 29, 2011, www.usatoday.com; joelstein, “your Data, yourself,” Time, March 21, 2011, pp. 40-46; Fahmida y. Rashid, “Facebooksettles Ftc charges about privacy policy changes, Misleading users,” EWeek, november 29,2011, www.eweek.com.testing purposes, (2) to reduce liquor and cigarette billboard advertising in low-income,inner-city neighborhoods, and (3) to encourage recycling.Educating consumers to make wiser purchasing decisions is perhaps one of themost far-reaching aspects of consumerism. Increasingly, consumer education is becoming a part of high school and college curricula and adult-education programs. Theseprograms cover many topics—for instance, what major factors should be consideredwhen buying specific products, such as insurance, real estate, automobiles, appliances and furniture, clothes, and food; the provisions of certain consumer-protectionlaws; and the sources of information that can help individuals become knowledgeableconsumers.Major advances in consumerism have come through federal legislation. Somelaws enacted in the last 50 years to protect your rights as a consumer are listed anddescribed in Table 2.4.Here is the 2009 list of proposed legislation to protect consumers and investors:16●● Accountability and Transparency in Rating Agencies Act of 2009●● Consumer Financial Protection Agency Act of 2009●● Corporate and Financial Institution Compensation Fairness Act of 2009●● Kredit risiko retensi Act of 2009●● Pembubaran otoritas untuk besar, saling berhubungan keuangan Companies Act of 2009●● Kantor asuransi Federal undang-undang 2009●● Stabilitas keuangan perbaikan undang-undang 2009Undang-undang perlindungan Investor ●● 2009●● Pasar derivatif Over-the-Counter Act 2009●● Pribadi Fund Investment Advisers pendaftaran Act of 2009Kebanyakan pebisnis sekarang menyadari bahwa mereka mengabaikan isu konsumen hanya pada merekabahaya sendiri. Manajer tahu bahwa tidak tepat penanganan keluhan konsumen dapat menyebabkandalam penjualan hilang, publisitas buruk, dan tuntutan hukum.

Hasil (Bahasa Indonesia) 2:

Apakah Data Pribadi Sungguh Swasta?
Hampir semua yang Anda lakukan secara online-dari
situs web yang Anda kunjungi ke halaman Facebook
Anda "seperti" -adalah dilacak oleh bisnis.
Pengiklan ingin tahu tentang kegiatan Anda
sehingga mereka dapat menampilkan iklan online yang sesuai; pengecer ingin
tahu apa yang Anda beli sehingga mereka dapat mengirimkan ditargetkan e-mail
dan katalog. Tetapi informasi pribadi Anda benar-benar pribadi?
Meskipun kebijakan privasi yang seharusnya untuk menjelaskan yang
detail setiap situs Web mengumpulkan dan siapa yang akan memiliki akses ke
data pribadi Anda, kebijakan ini mungkin tidak menceritakan seluruh
kisah. Setelah Facebook mengubah kebijakan privasi dan kemudian
me-reset kontrol privasi pengguna sendiri, yang Federal Trade
Commission dibebankan perusahaan dengan membuat "menipu
klaim privasi." Pengguna percaya informasi pribadi mereka
pribadi, namun pengiklan dan lainnya diizinkan akses.
Sekarang, dalam penyelesaian dengan FTC, Facebook telah memperketat
kontrol privasi, dan program yang privasinya harus
dipantau selama 20 tahun ke depan untuk memastikan kepatuhan. The
FTC juga berpikir pengguna internet harus dapat memilih keluar
dari pelacakan online jika mereka memilih. Sementara itu, jutaan
orang telah menginstal software anti-pelacakan
seperti Ghostery dan Do Not Track Plus untuk menambahkan secara online
privasi.
Sumber: Berdasarkan informasi di Byron acohido, "konsumen beralih ke Do-tidak-track
software untuk Menjaga privasi," USA Hari ini, 29 Desember 2011, www.usatoday.com; joel
stein, "Data Anda, diri sendiri," Waktu, 21 Maret 2011, hlm 40-46.; Fahmida y. Rashid, "Facebook
mengendap FTC biaya perubahan kebijakan privasi, Menyesatkan pengguna," eWeek, 29 November
2011 www.eweek.com. Tujuan pengujian, (2) untuk mengurangi minuman keras dan iklan billboard rokok di berpenghasilan rendah, dalam kota lingkungan, dan (3) mendorong daur ulang. Mendidik konsumen untuk membuat keputusan pembelian bijaksana adalah mungkin salah satu aspek yang paling jauh dari konsumerisme. Semakin, pendidikan konsumen menjadi bagian dari sekolah tinggi dan kurikulum perguruan tinggi dan dewasa-program pendidikan. Ini program mencakup banyak topik-misalnya, apa faktor utama yang harus dipertimbangkan ketika membeli produk tertentu, seperti asuransi, real estate, mobil, peralatan dan furnitur, pakaian, dan makanan; ketentuan perlindungan konsumen tertentu hukum; dan sumber-sumber informasi yang dapat membantu individu menjadi pengetahuan konsumen. Kemajuan besar dalam konsumerisme telah datang melalui undang-undang federal. Beberapa hukum yang berlaku dalam 50 tahun terakhir untuk melindungi hak-hak Anda sebagai konsumen terdaftar dan dijelaskan dalam Tabel 2.4. Berikut adalah daftar 2009 undang-undang yang diusulkan untuk melindungi konsumen dan investor: 16 ●● Akuntabilitas dan Transparansi dalam Penilaian Instansi Act of 2009 ● ● Badan Perlindungan Konsumen Keuangan Act of 2009 ●● Korporasi dan Lembaga Keuangan Kompensasi Keadilan Act of 2009 ●● Kredit Risiko Retensi Act of 2009 ●● Pembubaran Kewenangan besar, Interconnected Perusahaan Keuangan Act of 2009 ●● Kantor Federal Insurance Act of 2009 ●● Stabilitas keuangan Peningkatan Act of 2009 ●● Perlindungan Investor Act of 2009 ●● Over-the-counter Derivatif Pasar Act of 2009 ●● Swasta Dana Investasi Penasihat Pendaftaran Act of 2009 Kebanyakan pengusaha sekarang menyadari bahwa mereka mengabaikan isu-isu konsumen hanya pada mereka bahaya sendiri. Manajer tahu bahwa penanganan yang tidak tepat dari keluhan konsumen dapat menghasilkan penjualan yang hilang, publisitas buruk, dan tuntutan hukum.