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Thursday, April 25, 2024

Blur from Privacy Company Abine Keeps Your Personal Financial Data Safe by Blocking an Average of 175,000 Online Trackers Annually

Blur From Privacy Company Abine Keeps Personal Financial Data Safe
Ashley Fricker

Written by: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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Advertiser Disclosure

In a Nutshell: Any time you visit a website, companies you’ve never heard of use embedded trackers to collect information related to your browsing and purchase history, your interests, and other personal information you input into signup boxes or search engines. Data brokers use the information to categorize consumers and sell the data to outside agencies for marketing purposes. Abine created its Blur and DeleteMe security solutions to not only block the intrusion of trackers, but to create ways for customers to use a masked email address, phone number, and credit card number to hide their real information when making purchases. DeleteMe searches data broker websites for users’ information and permanently removes it from the database. //

I recently searched online to find a birthday gift for a loved one. When the person I shopped for used the computer a few days later, they encountered dozens of ads for the items I bought them.

That’s one way to ruin a surprise.

Almost every website you visit features embedded trackers that monitor and record everything from the links you click on to the length of time you spend on a page and what you buy or subscribe to. This information is immensely valuable to data brokers, who make millions of dollars each year placing consumers into categories and selling their private information to marketers.

While many web surfers see the intrusion as the price they must pay for internet freedom, Abine views the trackers as malicious threats that cost consumers both time and money when their information ends up in the wrong hands.

The company’s Blur and DeleteMe products offer a two-fold solution for keeping private information off the internet and removing information already posted to the web. Think of the solutions as the proactive and reactive tools needed to maintain online privacy and security in a modern world that has very little of either.

Abine Logo“We founded the company to give people control over their privacy,” said Rob Shavell, Co-founder and CEO of Abine. “There’s a big difference between security and privacy.”

Many consumers have relaxed their credit card security concerns since most cards now offer $0 fraud liability protection that makes cardholders responsible for no more than $50 in fraudulent charges. Privacy is a different matter, though, because each credit card swipe transmits information — including a user’s home address, phone number, and other personally identifiable data — to multiple companies along the payment chain.

“A lot of our personal information gets sent to third-party companies and we have no control over it,” Shavell said. “Think of all the data breaches in the news or the recently announced Facebook data issues. Once one website has your information, it can sell or exchange it with several other websites.”

Abine’s flagship product, Blur, is free to use and works within the background of any desktop or mobile browser to keep personal information off the internet. Blur blocks trackers and data-exchange programs that collect information during browsing sessions and stores members’ password and login information for easy access when it is needed.

“The program even lists all of the blocked tracking attempts that take place on each site you visit,” Shavell said. “After a week of using Blur, the program blocks thousands and thousands of different trackers from monitoring visits to various websites. That surprises people.”

Shavell said Blur blocks an average of 175,000 tracking attempts annually for each user. Those trackers collect any information they can and sell it to companies who create databases containing individuals’ information. If you’ve ever searched the web for your name, you’ve likely seen some of those websites offering your information for a fee.

But Blur’s biggest value comes when you’re about to submit payment or personal information during an online checkout or signup process.

Masked Information Allows Personal Data to Stay Private

Blur has your personal information covered when you make an online purchase or sign up for an account or service. Websites typically require certain data — including your phone number, email address, home address, and a credit card number — during the checkout process. Blur’s $39 annual premium membership masks that information.

“Think of these as aliases,” Shavell said. “We provide you with unique credentials that you can give out to these websites instead of your real information. We think this service sets Blur apart from other products and services.”

Instead of using your actual email address, Abine creates a unique address with a similar username and places it into the information box. The real email address on file receives any correspondence sent to the masked email address and continues to mask any replies.

Blur also creates a masked phone number that forwards calls to the user’s real phone number on file. Anyone calling the masked phone number will never see the phone number the call is forwarded to.

Perhaps the most valuable part of Blur’s premium service is its ability to generate a temporary credit card number pre-loaded in real time with the funds needed to make a purchase. Blur allows a one-click autofill of the number to complete transactions and then charges the user’s credit card on file for the purchase amount.

“All of the information works,” Shavell said. “People sometimes confuse it with fake information, but the program forwards email sent to the masked address to your actual email address, and you can even reply to it privately.”

Masked credit card numbers can also be set up to make installment or subscription service payments that require multiple disbursements over time.

“The concept is unique, but it’s really effective for both privacy and security because you’re not actually giving these people your real information, but you’re still able to use the services like you would if you gave them that information,” Shavell said.

Credit card charges using Blur are still eligible for most general rewards points or miles accrual.

DeleteMe Removes Private Information Already on the Web

While Blur works as a proactive measure to keep users in control of their personal information, DeleteMe is the reactive solution that makes up for any previous online mistakes you may have made.

“The technology goes out and deletes the information that you gave to websites you trusted but shouldn’t have,” Shavell said. “Even if it’s already out there, DeleteMe can work to opt you out of the services and take that information down.”

Removed information typically includes a user’s home address, phone number, credit card number, email address, relative’s names, and anything else data brokers have scraped from different websites over time.

“Some of these websites don’t tell you that one of their side businesses is selling your information,” Shavell said. “We go out and remove anything we find from over 25 data brokers that list and sell the data.”

The premium DeleteMe service costs $129 per year for individual users and begins working immediately. Every time the program finds a user’s information online, a report is sent to the user detailing the type of information found and where the program found it.

Expect Browser Tracking Growth in the Coming Years

Despite already blocking more than 1 trillion combined trackers for all of its users, and an average of 175,000 online trackers each year for individuals, Shavell and his team at Abine expect the use of trackers to only increase as data becomes harder to source and more valuable to marketers.

As Blur users have found, trackers can be found on just about any website, including age-old institutions most see as trustworthy.

“If you go to a major newspaper site, you’ll typically see between 15 and 20 different trackers right on their homepage,” Shavell said. “They’ll track what stories you read, your interests, your political lean, and things like that.”

Users can unblock specific websites if they want to enable the tracking of purchases or browsing history through certain companies.

“We’re not a company that’s trying to tell people what to do for their security,” Shavell said. “We feel that people should decide for themselves.”

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