Tag Archives: DATA

California Consumer Privacy Act

Over the past two years, there are two regulations that have had a major impact on digital marketers – GDPR (General Data Protection Regulation) and CCPA (California Consumer Privacy Act). As you probably recall, the EU law went into effect in May 2018 to ensure data protection and privacy for all individuals citizens of the European Union (EU) and the European
Economic Area (EEA) and companies doing business in those areas.
This year, we’re all gearing up for the CCPA. The Act came into effect January 1, 2020, and is reported to be among the most stringent data protection privacy laws in the U.S.
Focusing on the privacy rights of individuals, CCPA regulates the way marketers handle personal
information of California residents. If a business has over $25M in annual revenue, processes (buys, sells, receives, or shares) 50,000 or more California consumer records each year, or earns 50 percent or more of its annual revenue from selling personal information of California residents, it must comply with CCPA. CCPA also applies to companies that share common branding (name, service mark or trademark) with a business that meets the criteria. This includes marketing agencies, online payment processing vendors, and digital marketing
technology companies, for example. If your business doesn’t fall within the criteria outlined above but is a service provider to a company that does fit the criteria, you should still be
knowledgeable about CCPA requirements.
While GDPR’s roots are European and CCPA’s are in California, both regulations have had a ripple effect on businesses around the globe, forcing businesses to provide greater transparency and institute more stringent business processes around customer data.
It’s no wonder when you look at the fines. The fines for failing to comply with GDPR range from 10 million euros to four percent of the company’s annual global turnover, which could add up to billions for some companies. Businesses that don’t comply with CCPA can face a maximum fine of $750 per consumer or violation. For example, if a business collects data from 1,000
California residents without complying with CCPA, they can face fines of up to $750,000. Also, if a business doesn’t meet certain data security requirements, consumers can demand that it be fixed within 30 days or the business risks legal action. Some might think it’s easy to just suppress California contacts from a campaign list but that’s short sighted. Let’s not forget that with a population of 39.5 million, California is the world’s sixth largest economy according to the Bureau of Economic Analysis.
Both GDPR and CCPA have driven digital marketers to update back-end systems, review privacy
statements, update third party contracts, audit contact lists, and confirm subscribers. While these actions can be time consuming and costly, they create opportunities for digital marketers to elevate their presence in customers’ inboxes.
CCPA is the latest example of the rising demand for transparency of collection and management of customer data. We can likely expect other states to follow suit with CCPA and institute even more strict regulations and fines to protect consumers.
Maryland, Mississippi, New York and North Dakota have similar legislation in the works. Though a majority of the new laws copy the structure of the CCPA, there are some notable places where they diverge, which will complicate prospective compliance efforts. The most critical area is
enforcement. CCPA provides a private right of action only for the unauthorized disclosure of
unencrypted, sensitive data.  Massachusetts would extend the private right of action to any violation of its privacy law. Three of the state laws (Mississippi, New Mexico, and Rhode Island) extend a private right of action to any unauthorized disclosure of personal information, regardless of sensitivity of the data and potential risk to consumer.
Similarly, while all these new state laws try to protect consumer privacy, the degree of specificity and format requirements vary, which will likely increase criticisms that privacy policies are written in legalese and too difficult to understand.
The result is that businesses may have to implement multiple layers of protection in privacy policies for consumers in different states, even when the underlying data practices are the same nationally.
The Consumer Bankruptcy database we compile is considered public information which is gathered by the courts and is not subject to the CCPA. The BK data is regulated by the Fair Credit Reporting Act and we are not Credit Reporting Agency.
We will keep you abreast of the ever changing data collection landscape as it continues to unfold.

GDPR What is it?

May 25, 2018 introduces a sweeping new directive that goes into effect in the European Union (EU) called the General Data Protection Regulation, or GDPR. It represents the biggest change ever to data privacy laws. The new law effects US users as well.

The law protects residents of the EU including US citizens  living abroad.  Under the GDPR, all companies that have an Internet presence including large US companies including Google, Microsoft and Facebook, have to comply.

To simplify things, the basic purpose the GDPR is to expand what counts as personal data and your rights over that data.  Examples of “your data” are things such as  posts on social media, electronic medical records and even your IP address (the unique ID numbers used to identify your smartphone or laptop), as well as GPS location.

The directive says people have to give permission for a company to collect their data. A company can’t just sign you up without explicitly asking. And the more personal the data  the ask must be even more clear.

Europeans have a right to have their data deleted if they don’t want a company to keep it. Companies have to delete the data without undue delay, or face stiff penalties.

I’m certain that you have noticed an increase in emails from your apps and other digital correspondence outlining new privacy notices that allow for you to request them to delete personal data they have stored.

A recent blog for NPR by Aarti Shahani quoted Minnesota attorney Micheal R. Cohen as saying “there’s nothing binding about (the request),” He went on to say that “In the U.S., the business model is pretty much, companies can do what they want, so long as there isn’t a specific law prohibiting it.” The U.S. has laws protecting data privacy for health and financial records, and and for children. “Other than that, we’re pretty much the Wild West,”

This is only the beginning of the personal data privacy debate. Over 80 countries and independent territories, including nearly every country in Europe and many in Latin America and the Caribbean, Asia, and Africa, have now adopted comprehensive data protection laws.  The United States is notable for not having adopted a comprehensive information privacy law, but rather having adopted limited sectoral laws in some areas.

These laws are based on The Fair Information Practice that was first developed in the United States in the 1970s by the Department for Health, Education and Welfare (HEW). Some of the basic principles of data protection are:

  • For all data collected there should be a stated purpose
  • Information collected by an individual cannot be disclosed to other organizations or individuals unless specifically authorized by law or by consent of the individual
  • Records kept on an individual should be accurate and up to date
  • There should be mechanisms for individuals to review data about them, to ensure accuracy
  • Data should be deleted when it is no longer needed for the stated purpose

 

UID’s Explained

A unique identifier (UID) is a numeric or alphanumeric string that is associated with a single entity within a given system. UIDs make it possible to address that entity, so that it can be accessed and interacted with.

Examples of Unique Identifiers:

URI-Uniform Resource Identifier is a unique identifier that makes content addressable on the Internet by uniquely targeting items, such as text, video, images and applications.

URL-Uniform Resource Locator is a particular type of URI that targets Web pages so that when a browser requests them, they can be found and served to users.

UUID-Universal Unique Identifier is a 128-bit number used to uniquely identify some object or entity on the Internet.

GUID-Global Unique Identifier is a number that Microsoft programming generates to create a unique identity for an entity such as a Word document.

UDID-Unique Device Identifier is a 40-character string assigned to certain Apple devices including the iPhone, iPad, and iPod Touch.

Holiday Marketing Tips

Marketing Tips for the HolidaysDATA
The holiday season is the most lucrative time for so many businesses, including nonprofit organizations. Be courteous and conscientious to your existing and potential clients, be sure to run your database against the deceased file before you mail.

MAILING
Traditional thinking equates the kick-off of holiday shopping with the day after Thanksgiving. The online shopping revolution has changed the rules of the game. Research shows that holiday spending starts to increase as early as the beginning of October and many large companies start their direct marketing campaigns before Thanksgiving. One thing is clear: consumers are ready to spend before November. Don’t miss out on early sales, mail today.

SOCIAL MEDIA
Create or join in a special hashtag specifically created to engage your followers. This holiday season, BEB will promote the hashtag #HolidayFav (Holiday Favorites). We’ll ask our audience to share their favorites through the entire holiday season, won’t you join us?

The Snapshot

BEB SNAPSHOT LOGODo you know who your customers really are? Have you reviewed their characteristics, trends or likeness? Do you know if your marketing message is speaking to your audience? Let us run a “Snapshot” on your database today.

Here’s how it works. You provide us with a list (or lists) containing names and addresses. We’ll run those records against a comprehensive consumer database that contains over 175 million records.

The database has a 30-year history and is compiled using over 100 sources including children’s catalogers, county record data, online surveys, public records, purchase transactions and telephone directories. Analysis will be conducted using the criteria from matched records.

In return you will receive an in-depth look at your customer base. Analysis includes:

  • Age Band
  • Gender
  • Marital Status
  • Family Position
  • Occupation
  • Income
  • Home Owner
  • Market Value of Home
  • Length of Residence
  • Net Worth
  • Children Present
  • Age of Children

…AND MORE!

*Analysis is presented using percentages from matched records for each element.

We will walk you through the trends that will allow you to identify characteristics of good clients and what criteria you’ll need to select when purchasing marketing lists for new business acquisition.

This amazing tool also helps your marketing department understand their audience which enables fine-tuned and well-honed messaging for maximum results.

We recommend our clients conduct a Snapshot every two (2) years on their in house databases to keep current and ensure they know their customers. Call for your Snapshot today!

Additional Databases Available

Consumer File

Business File

Resident File

Specialty Lists:
Ailment | Auto | New Movers
And More!

Letter From The President

The Bureau - Letter From The President BannerRon Royall, President BEB Houston, TX-News agencies continue to report that we are in economic recovery and that commerce is booming. As a business owner, I’m still uncertain it’s going to stay the course. A recent survey conducted by CNN-Manta polled 1,500 small business owners nationwide and the economy remains the number one concern (28%)

It’s hard not to be a bit skeptical however, we are seeing some very positive trends. Many of our clients & partners businesses have grown this year. We too have enjoyed growth in our business for 2014.

CNN-Manta Survey The Bureau

21% of participants of The CNN-Manta survey said that growing sales is their number one concern. As a full service marketing production company, we appreciate that concern. The questions surrounding how exactly a company goes about growing sales is daunting. Hiring additional sales people, adding expensive equipment or investing in expanding your marketing strategy are all viable options.

Marketing to grow sales has changed so radically over the past 5-years and it continues to evolve. Data is crucial to the success of any marketing strategy and data compilation is one of our core competencies. As many of you may remember, we compiled the Harris, Travis, Dallas and Tarrant County Business Guides for over 30 years.

Today, we are one of the largest Consumer Banktruptcy Data compilers in the United States. Our over 20 million record database contains information on the chapter, filings and discharges. We gather data directly from courthouses across the nation daily, then enhance the data using the USPS Coding Accuracy Support System (CASS) Software.

We also offer consumer, business, and residential data and provide an amazing tool called The CONSUMER FILESnapshot. It is a comprehensive data analysis used to identify trends within your customer base. It will help to identify criteria that will allow you to search for more new clients, and ensure your marketing messages “speak” to your audience. Read more about our data expertise in this issue.

Over the summer we conducted a Seminar Series on how to market your business. We held four, 1 hour classes that educated participants on blogging, social media, search engine optimization and the two mails, direct mail & e-mail. Each of the classes sold out quickly. We received tremendous reviews and have been asked to offer the classes again. We listened. Details about Fall seminars can be found by clicking here.

We hope that the economic recovery continues for the long haul and we are thankful to our clients and partners for their business. Have a great fall season!
Sincerely,

Signature - Ron Royall

 

 

Ron Royall
President, CEO
BEB-Business Extension Bureau

Can You Solve The Equation?

2014-09-10With Earvin “Magic” Johnson as a keynote speaker, marketers from 30+ countries and tons of sessions focused on data and marketing, the answer is DMA2014! Check out more about this fantastic conference by clicking here.

We’ll be there and in “full force”! Are you attending this year’s premier marketing event? Check out our short video on the show! Click on the icon below to view.

2014-10 bebdata AT dma logo