{"id":7547,"date":"2020-12-02T10:00:26","date_gmt":"2020-12-02T04:30:26","guid":{"rendered":"https:\/\/gtm360.com\/blog\/?p=7547"},"modified":"2022-04-11T15:23:47","modified_gmt":"2022-04-11T09:53:47","slug":"consent-dilemma-have-you-given-it-or-not","status":"publish","type":"post","link":"https:\/\/gtm360.com\/blog\/2020\/12\/02\/consent-dilemma-have-you-given-it-or-not\/","title":{"rendered":"Consent Dilemma – Have You Given It Or Not?"},"content":{"rendered":"

The Netflix show Social Dilemma<\/em><\/a> has rekindled the eternal controversy over privacy, tracking, and manipulation by digital companies.<\/p>\n

As consumers, many of us outrage at brands for using our private information to target us with personalized communications, ads and targeted offers.<\/p>\n

\"\"<\/a><\/p>\n

In this post, I’m going to go out on a limb and argue that brands have received consumers’ consent for all those allegedly outrageous actions – explicitly or implicitly.<\/p>\n

Let’s see how.<\/p>\n

Explicit Consent<\/strong><\/em> is when a consumer knowingly takes – or gives permission for – a certain action A. For example, find credit score. This would happen when they use a credit score checking service like Credit Karma (USA) or Credit Mantri (India).<\/p>\n

Implicit Consent<\/strong><\/em> is when a consumer knowingly takes – or gives permission for – a certain action B, which requires another action A to be completed as a pre-requisite. By giving explicit consent for B, they have given implicit consent for A. For example:<\/p>\n

Action B:<\/strong> Apply for a loan.<\/p>\n

Action A:<\/strong> Have lender run a credit check.<\/p>\n

The lender’s Terms & Conditions will inevitably state that, by taking – or giving their consent for – Action B, loan applicants have automatically given their consent for Action A. An average consumer may not read T&Cs but that’s a topic for another day. See my Quora Answer<\/a> for background on this example.<\/p>\n

Per se<\/em>, brands have taken consent in both situations.<\/p>\n

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Borrowers who want a loan in 5 mins should be prepared to face the lender's recovery actions in 5 mins after defaulting. Digital disbursement can't coexist with "analog" recovery actions like 3 reminders via regd post over 90 days etc. etc. https:\/\/t.co\/UPBz2EMl8J<\/a><\/p>\n

— Ketharaman Swaminathan (@s_ketharaman) March 4, 2020<\/a><\/p><\/blockquote>\n