Removing Facebook does not automatically mean the firm and others such as Google will not be able to track your online movements. Oli Scarff/AFP
Removing Facebook does not automatically mean the firm and others such as Google will not be able to track your online movements. Oli Scarff/AFP

Deleting Facebook will not stop your data being accessed



Anyone tempted to #DeleteFacebook after the personal data of millions of users fell into the hands of a political consultancy is still likely to be monitored by the social network, which tracks nearly 30 per cent of global website traffic.

And Google, in various guises, shadows 64 per cent of all Web-browsing worldwide, a recent study of 200,000 German users by Cliqz, using its anti-tracking product Ghostery, said.

Neither Facebook nor Google responded to emails asking whether they viewed the Cliqz research as representative.

A larger study of Web trackers by researchers at Princeton University in 2016 produced similar results, with Google Analytics and other Google trackers taking the top five places, followed by Facebook.

Cliqz, majority owned by German publisher Hubert Burda Media and backed by Mozilla, creator of the Firefox browser, is one of several start-ups that promises to protect personal data.

“We prevent companies like this from spying on you,” said chief executive Marc Al Hames.

From private browsers like Cliqz to anti-trackers and ad blockers, such firms seek to shield users from intrusion. Mainstream providers in Europe are also trying to differentiate themselves by stressing privacy.

“Every time there is a scandal like this at the US companies it boosts our business,” said Ralph Dommermuth, founder and CEO of Germany’s United Internet. The company offers encrypted email services, hosted in Germany under its strict privacy laws, and does not sell users’ data.

United Internet and others recently formed a "Login Alliance" offering a single, secure way for their 50 million users to give consent in compliance with new European Union privacy rules that enter into force in May.

That contrasts with rampant use in the past of Facebook Login by companies to tap personal data.

Privacy advocates have warned for years that Facebook’s terms of use left it open to data harvesting.

Psychologist Aleksandr Kogan collected data on 50 million Facebook by creating a personality quiz taken by a few hundred thousand people. In consenting to its terms, they let the app collect information on their Facebook ‘friends’ - without their knowledge or consent.

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Read more:

After Cambridge Analytica, can we ever trust social media again?

Amid Facebook data mishandling crisis, Apple's Tim Cook calls for more regulations

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The US academic passed that data to Cambridge Analytica, which applied data science and psychographic profiling to back Donald Trump’s election campaign - violating Facebook’s rules.

“It’s the volcano that was going to erupt at some point - we just didn’t know when,” said Ben Williams, director of communications and operations at Germany-based Adblock Plus.

AdBlock Plus has 100 million users seeking protection from ads such as auto-play videos. It is not a privacy product as such, although users can tweak settings to increase protection.

Most people do not mind normal search advertising, but object to intrusive third-party ads, Mr Williams said.

The Facebook leak shows that the data should never have been collected, Mr Al Hames said:

“We should all be outraged but nobody should be surprised. Everybody who has data will eventually lose that data.”

Cliqz has an icon that shows how many private data points trackers are trying to access when you visit a site.

Its anti-tracking feature substitutes private data with random information to throw them off your trail, while there is also an anti-phishing feature to thwart data theft.

Cliqz does store browsing history at the ‘edge’ - on desktops and smartphones – and uses this to personalize search.

Without giving direct access, it also lets firms use that information to target adverts using its MyOffrz product in a way that complies with the new EU privacy rules.

“We can deliver a targeted ad - but it doesn’t mean that there is information about you on our servers,” Mr Al Hames said.

Cliqz has around half a million active users, while Ghostery, the browser extension that monitors which web servers are being called from a given page, has around 7 million users.

The specs

Engine: 4.0-litre V8

Power: 503hp at 6,000rpm

Torque: 685Nm at 2,000rpm

Transmission: 8-speed auto

Price: from Dh850,000

On sale: now

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Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.