Steven F. Freeman

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page last modified: 06/09/2024 06:26 PM

In an increasingly untrustworthy world, Client 1st provides a Fortress in Finance, Accounting and Risk Management to Protect You, your Family and Business.

2024: Founder Steve Freeman and colleagues move on from thirty years of award-winning teaching and applied research. Our mission: building a coalition of businesses on principals of honesty, mutual respect, merit, transparency and absolute confidentiality.

We draw on the experience, work ethic and integrity of our finest students and colleagues -- providing you with unsurpassed expertise, customer service and reliability in finance, accounting, and risk management.

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[1] E.g., cryptocurrencies, precious metals, art, etc.…

[2] Privacy policies often say they will “not sell data”, but they commonly employ easy loopholes beginning with the word “sell” itself. A company that says it will not sell your data is still free to share your data with a business partner, or in many other ways.

For example, to keep customers coming back, Acme Hardware store might offer repeat customers a small discount if they enroll them in a loyalty program, recording their name, address, phone number, email, etc.

Acme promotes its business by occasionally emailing special offers. The company wants the emails to be effective, so they take into account previous sales, and it promotes the same sort of stuff to them again. To the gardeners, a potting mix at 10% off, to the home repair people a two-for-one on screwdrivers … you get the idea. Yet, despite Acme efforts, sales are not growing. It seems that ever more people are buying things from giant online retailers.

So, Acme picks one and joins their partners program. Yippee! Now Acme can sell online, leveraging the huge retailer’s massive list of customers which they share with Acme in exchange for Acme sharing its loyalty list database with them.

And Presto! Now Huge Retailer knows everything that Acme knows about you including every product you’ve ever purchased. Acme did not sell your data -- no money ever changed hands… merely shared it with a Huge Retail business partner.

Unfortunately, this kind of practice is widespread not only in retail, but financial services as well … data you definitely do NOT want shared.

[3] firms and agencies also often claim that data is strictly confidential, and only share in encoded form, but of course, anything encoded can be unencoded

[4] under any circumstance … unless under force of arms by government, and even then, only after alerting you about the action.

[5] E.g. Amazon’s abrupt cut off of capacity to Parlor; Twitter and facebook capricious cancellation of accounts; GoFundMe cutoff to Canadian truckers, etc…

[6] E.g. Verizon stealth provision of customer phone logs; Bank of America in sharing customer bank records.

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