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> they could very easily have a data breach and every customers full info would then be out in the wild

Based on the many notifications I've received from hospitals and insurance providers telling me they've allowed my private information to get repeatedly pilfered, at this point I operate under the assumption that if any organization collects information about me, it's going to leak within the next 5-ish years.

The first and most effective line of defense is to not let the data brokers collect your information in the first place.



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