Texas Sues Allstate Over Illegally Collecting Driver Data; you might want to uninstall gasbuddy....

• Channel: Louis Rossmann
• Video: Texas Sues Allstate Over Illegally Collecting Driver Data; you might want to uninstall gasbuddy....
• Date: 2025-01-16
• Description:

Source: https://wiki.rossmanngroup.com/wiki/Allstate_and_Arity%27s_alleged_unauthorized_driver_data_collection_through_mobile_apps

buy a hot air station, and have more hot air than the CEO of Allstate for less than $199.99! https://store.rossmanngroup.com/atten-862.html

timestamps:

00:00 - blah blah blah

20:00 - clinton the cat (the important part)

AI Disclaimer

The Summary and Transcription below were generated using artificial intelligence (AI). While efforts have been made to ensure accuracy and coherence, the following points should be noted:

• The transcript is machine-generated and is likely to contain inaccuracies, omissions, or misinterpretations due to the limitations of automated transcription technology.
• The summary, created using AI, is derived from this transcript and will likely not capture the nuances, tone, and context of the original content.
• Users should exercise caution and verify the information, considering the compounded limitations of two layers of AI processing.

AI Summary

Louis Rossmann discusses a lawsuit filed by the state of Texas against Allstate and its subsidiary, Arity, for allegedly collecting driver data without consent. He breaks down the claims made in the suit and separates them into those with evidence and those without. Louis emphasizes the importance of holding himself to a high standard when reporting on consumer protection issues.

Unauthorized Driver Data Collection

Louis begins by explaining that Allstate's subsidiary, Arity, collects vast amounts of driver data through mobile apps, including geolocation data, personal identifiers, and driving behavior information. He notes that this data is then shared with business clients, including insurance companies, which can use it to raise insurance rates.

Lack of Transparency

Louis highlights the lack of transparency in Arity's data collection practices, stating that their website does not provide an easy way for users to opt out of data collection. He also notes that many mobile apps, such as GasBuddy and Life360, integrate Arity's SDK without disclosing it to users.

Inference vs. Evidence

Louis emphasizes the importance of distinguishing between inference and evidence when discussing consumer protection issues. He points out that while it is possible to infer that Arity may be paying app developers to integrate their SDK, there is currently no evidence to support this claim.

Purchase of Driver Data from Automakers

The lawsuit claims that Arity purchased driver data from major automakers, including Toyota, Lexus, and Mazda. However, Louis notes that there is no evidence provided in the suit to support this claim, and it remains an allegation without proof.

Incentives for Developers

Louis discusses the allegations that Arity offered incentives to developers to integrate their SDK into mobile apps, but notes that there is no evidence presented in the suit to support this claim. He emphasizes that while it is possible to infer economic incentives for Arity's alleged behavior, this does not constitute evidence.

Conclusion

Louis concludes by emphasizing the importance of holding himself and others to a high standard when reporting on consumer protection issues. He encourages viewers to contribute to his Wiki project, which aims to document every instance of consumer exploitation discussed in his videos.

AI Transcription

hey everybody how's it going hope you're

having a lovely day welcome to today's

episode of how you're getting effed I'm

your host Lou Rossman this video is

sponsored by two black eyes on Monday I

take somebody to the hospital because

they needed some test on all the tests

came back perfectly and then one day

later septic shock of blood pressure of

65 over 50 and they're almost shooting

themselves to death I swear fixing

people seems almost as annoying as

fixing a Macbook sometimes like remember

when you had the 820 2850 MacBook where

you had the frame buffer line it would

have the voltage go down on it every now

and then not a lot like on the 820 2330

use the exact same circuit that they

used for the frame buffer Power Ra the

82850 to power the mCP in an S5 state

where would go from 1.05 Vols to 0.3

volts where it was very very obvious

that was the problem but I mean

something where it's like 1.55 volts or

1.35 volts and would go to like 1.32

every now and then crash but it's really

one of those things where since it's not

as obvious you configure it out but if

you knew that the 820 2550 was using

very similar circuit if not the

identical one to the 820 2330 you could

infer that that same capacitor was bad

which is c9560 on the 820 2850 which was

the same capacitor as the c77 71 on the

820 2330 it's one of those things where

it really would take you years to figure

out that that's the case and

unfortunately with people um yeah you

don't have years to figure out that

that's the case because in within those

few years they could [__] themselves and

almost die so I have not gotten a lot of

sleep recently however one of the good

things about not being able to do

anything in sitting in a hospital

waiting room is that you have a lot of

time to work on wiki. rosing group.com

which is my new project that I am

utilizing to try and document every

instance of consumer [__] that I talk

about in these videos before I do a

video going forward for every video I

write an article and these articles are

revisable editable correctable by all of

you so I covered this in a very very old

video where General Motors was

collecting data on you from your car and

then selling that information to

insurance companies and data Brokers

that were then utilizing that

information as a justification to raise

your rates and they did it in a very

very sneaky way and a similar story came

out with Allstate and one of their

subsidiaries called Arity who is Arity

Arity is a subsidiary of allate that

creates an SDK that mobile app

developers can utilize to collect

information from their customers and

also package that information in a way

that makes it fairly simple to

redistribute and resell more importantly

this information is very very tailored

to how you drive so what does aity

collect from their privacy policy we got

geolocation data personal identifiers

personal characteristics postal address

phone number fact number date of birth

partial social security vehicle

identification number Wi-Fi access

points latitude longitude age marital

status gender education occupation

employment status hous income household

size household children community type

and other type of demographic

information inferences drawn from how

you drive which can be miles traveled

acceleration de acceleration breaking

Behavior cornering speed trip routing

information your mobile device or

vehicle including your location data

pretty much everything other than the

color of the scar on my dick from when I

got Rak over a fence when I was 12 years

old uh that's a long story in and of

itself but like literally everything so

they collect virtually everything and

they have an SDK that you can utilize in

your mob mobile application if you want

to have a mobile application that spies

on people in a highly creepy way without

having to do the hard work of developing

the creepy software yourself so let's

dig into this case and figure out what

is true what is not true what is in the

process of being proven true and just

can I get a good analysis of this

46-page suit that was brought by the

state of Texas because apparently the

state of Texas is doing the job of the

FTC now at least trying to better than

nothing again it's Ken Paxton but like

you take what you can get in this world

so let's go over it AR is a subsidiary

of all state founded in 2016 they claim

to do the following collect and allies

trillions of miles of driving data to

create a greater understanding of how

people move with the world's largest

driving data set tied to insurance

claims collected to mobile devices in

car devices and vehicles themselves data

captured every 15 seconds or less 40

million active connections cuz there's

nothing creepy about that the state of

Texas Attorney General's office claims

that this occurred without the consent

of the drivers and has filed a lawsuit

against all state Corporation and its

subsidiaries including Arity which was

founded by All State the lawsuit accuses

them of violating state laws such as the

Texas data privacy and Security Act

which by the way I never knew that Texas

even had a data privacy and Security Act

or a Privacy Law in general live and

learn the data broker law and the Texas

Insurance code all state and its

subsidiaries reportedly harvested this

data through software integrated into

mobile applications impacting millions

of Americans not just those who are

Texas residents now I'd like to go over

the claims that are made in this suit

next up I'd like to go over the claims

that were made in this lawsuit which

ones we have evidence for which ones we

do not have evidence for and which ones

we do not have enough information on to

immediately create a a condemnation of

Allstate Arity or these third party

applications while I most certainly have

my own opinions on the matter this Weeki

is supposed to be a factual source of

the information of everything that I

talk about on this channel it is

supposed to be something that I can show

to a senator and it must be held to a

higher standard than a blog or crappy

modern journalism in order to do that

this has to be about more than just this

company did something this sounds bad so

on and so forth we really have to hold

ourselves to a high standard here for

this to be taken seriously in fact on my

own Wiki with my own name hosted on my

own server we haven't noticed this

article requires a change in tone notice

here because it did not live up to the

standards that we wrote my standards

apply to me the same way they apply to

anybody else and if you think it hasn't

lived up to that particular standard

you're welcome to edit it we don't even

require you create an account continuing

on here let's go over the claims that

have evidence and the claims that do not

have evidence so we have gone over all

the data collection that are does this

is all easily confirmable from their own

website however it is really important

here to demonstrate that just because

they say they collect all this data on

users does not mean that that in and of

itself is is a condemnation or proof

that they have broken a data Privacy Law

these citations are all simply

quotations from AR's website that in and

of itself does not contain evidence of

malfeasance for instance Geico's own

smartphone application allows

individuals to opt in the driver

monitoring data collection and that

offers you a chance at lower insurance

rates but Geico is upfront about this

when you utilize their application you

have to opt in into that it is not opt

out and I have no problem with that if a

company wants to collect your personal

data and they give you an opportunity to

do to have your personal data collected

in exchange for helping you you're

allowed to agree to that as long as they

give you an option to opt out of it I'm

good that it's when they don't give you

an option that it's bad these

allegations in the in the suit are

honing in on the secretive collection

and monetization of the insured private

driving behavior data without proper

disclosure or consent of the driver and

them simply saying that their privacy

policy says they collect this stuff

that is not enough uh now the easy opt

out or the lack of an easy opt out this

is true their privacy policy on their

website does not make a meaningful

collection mention of how to opt out of

data collection their website

occasionally links to outside websites

that will be of little help to someone

looking to limit a data collection on

them such as the Apple Support Center

which is not really going to be a very

very helpful for most people when you go

to their website and you read their

privacy policy you are going to want to

figure out how to opt out from data

collection however most of you are never

even going to actually visit this

website because most of you don't

actually know that AR exists AR creates

an SDK tldr it's just a bunch of code

that you could Implement into your

application if you don't want to write

something that sucks up everybody's data

you're too busy to do that you got cats

to feed Greenies to buy

and you see how he [__] woke up when

I did the

clinty you got cats to feed Greenies to

buy videos to do you don't probably know

who already is you may be utilizing an

application that has AR code that's

sucking up your data but you don't know

that they exist so it's one thing for

them website to not actually have an

easy way to opt out but the bigger

problem here is the fact that you don't

actually have a relationship with Arity

at all and that's something we're going

to be getting to later on over here most

people who are allstay customers and

most people who are utilizing any of

these applications have no idea what an

aity is or that they exist defendants

worked to integrate a SDK into mobile

apps the claim that is made in the suit

is that a and State paid partnered

applications like routley Life 360 Gas

Buddy and fuel rewards to integrate

their SDK into the apps now we can infer

why these applications would want this

SDK in there and why a would be so

excited to have this data sucking crap

in every application out to that they'

pay for it we can infer that but that

would only be an inference part of this

is something that has evidence and the

other part is not so there's a large

market for driving data that businesses

are willing to pay for application

developers have an incentive to receive

money from other businesses and Arity

which is making this SDK that sucks up

everybody's data has an incentive to

provide their SDK that collects driving

data given the market for driver data

however AR's website nor anything in

this lawsuit just has any proof

whatsoever that Arity is paying

companies to implement their mobile SDK

there is no Citation for that there is

no evidence for that yet and it is

important to bring that up because the

lawsuit says it as if it's a fact when

it is not actually demonstrated to be a

fact nor has any evidence been provided

A's website markets themselves to

individuals and businesses that would

want to utilize their drive a data

collection within their applications and

they're doing that in a commercial tone

it's very obvious when you visit their

website that this is what they're

looking to sell a beginner's guide to

leveraging a telematics SDK for your

mobile app they have the person looking

at their phone that's really happy that

they're being spied on probably has no

idea that this is what their photo is

being used for they're talking about

implementing a telematics SDK contact us

get in touch let's partner and suck up

everybody's data but they're not

actually saying we will pay you to put

this in your app I mean for all you know

you may actually have to pay them that

that information is not made available

over here so there's really no proof

that Arity has been bribing people to

put this in their application yet I can

believe that it's something that I would

believe with evidence and it's kind of

something I'm biased towards believing

but again this Weeki is not about my

bias this Weeki is about the facts that

are out there the evidence and why it is

very important to be very very careful

anytime you read this stuff when with

any sort of trust me bro [__] over here

refer to anonymity in vagueness in

citations we're going to be going over

that later on in this video this used to

be called the the trust me bro article

and it it it got renamed because of tone

policing here which again I'm cool with

you know we got standards here we got

standards with regards to having a

partnership with Gas Buddy and Life 360

and many others you don't have to infer

this or guess because that is made

available on their website on PR

newswire you had gas buddy and AR

discussing their partnership and AR also

has case studies on their own website

about their Integrations with

applications like Live 360 so they are

implemented and integrated into these

applications and that again is a big

part of the problem if you are using the

Gas Buddy application the Gas Buddy

application may say we use your data

like this but they're using AR's SDK

AR's sdk's privacy policy says we're

using your data like this you don't know

that Arity exists so you don't know that

Arity is using your data like this we're

going to get to that later on in this

document because that's the part that I

find most damning and most Troublesome

the lawsuit claims that AR's terms of

service provides information and how

your data will be used which is taken

from AR's privacy policy and let's read

it Arity shares your information with

business clients as part of your

purchase or use of services from those

business clients those business clients

include but are not limited to insurance

companies as well as mobile app

providers who track the location of

members or a defined group or who

provide weather related information if

you have purchased an insurance product

offered by an a business clients then

your information may also be used by the

business client to calculate insurance

rates or words provided under the

product or service our insurance company

business clients may also use your

information to update their pricing and

underwriting models all such use of your

personal information by our business

business clients is subject to their

privacy policies and not this privacy

statement now notice what's going on

here at first they talk about their

insurance business clients as if it is

only their insurance business clients

that are going to be utilizing this

information now these are two that are

in conflict with each other over here it

says all s chose to your personal

information by our business clients as

subject to their privacy policies and

not this privacy statement however it

also says already shares your

information with its business clients as

part of your purchase or use of services

from these business clients and

obviously this lawsuit is looking to

make the accusation that we're leaning a

little bit more on this one than we are

on this one so I if the first one is the

one that is true and if this lawsuit is

actually able to produce all the

evidence during Discovery to demonstrate

that improper sharing of information was

going on we would be working with

something like this James is using an

application developed by an Arity

business client James did not know who

Arity is the business client has not

told James how Arity uses his data

therefore there is no way that James

could have consented to AR's privacy

policy if you have purchased an

insurance product offered by an AR

business client then your information

may also be used by the business client

to calculate insurance rates or rewards

provided by the product or service A's

business clients are not always

insurance companies this means that AR

is claiming that your insurance rights

may be raised due to data collected by

someone who is not your insurance

company which is a serious problem if

the application a user is running on

their phone does not disclose that the

information they are collecting on them

may raise their insurance rates that

means that they are being materially

harmed by the terms of a privacy policy

they were never made aware of this can

be referred to as a game of telephone

privacy policy which is one of the terms

I'm looking to coin in addition Ula ruy

retroactively amended purchase agreement

and many others that describe the modern

experience of using technology now we're

going to go over the claims that are

without evidence these are claims

submitted without citations or on

information and belief which is a way of

saying that while the proof is not yet

available the Attorney General expects

to find it through the legal process of

discovery

Discovery Discovery wow I got to take a

nap A's purchased information from

automakers to complement their own data

AR's information collection was based on

smartphone applications regardless of

how accurate smartphone data collection

is this is an inaccurate way to judge

the driving skills of an individual for

instance if an individual is on a roller

coaster they are not driving but they

may be judged as a poor driver for

sudden turns and acceleration and I

provided a photo here of this occurring

to somebody who was using the Geico app

this is hilarious my insurance company

mistakenly believed I was driving my car

when in reality I was riding the roller

coaster the beast at Kings Island those

red dots indicate where the app

incorrectly assessed my cornering and

breaking skills and lowered my driving

score which obviously is [__]

because if he was going that fast into

did not fall off the roller coaster if

he was the one driving the roller

coaster that's a pretty damn good job

but in all seriousness these

applications of of themselves are not

good enough to create a score for you as

a driver if they're spying on you all

the time because they don't know when it

is you're driving you could be on a bus

with the psycho driver you could be in

New York City taking a cab with a psycho

cab driver and the application may think

that you are the one driving when you

are not the one in the car and that's

that that's an issue so what the the

lawsuit is alleging here is that to try

and supplement this data try to make it

something that's more usable that aity

was also purchasing this type of driving

information from every major automaker

so it potentially account for the a SDK

data's limitation defendants sought to

combine the SDK data with data collected

directly from Vehicles as a result

defendants began purchasing consumers

driving data from car manufacturers such

as Toyota Lexus Mazda Chrysler Dodge

Fiat Jeep Maserati and RAM however as

many websites have cited this and

claimed it's true this hasn't happened

there's no evidence

yet I'm happy to believe that with

evidence but the lawsuit in and of

itself within those 46 pages does not

provide a single piece of evidence or

citation that any such data sale

actually occurred which means we cannot

allege it as fact until we have evidence

and this is one of the really important

things when reading through these when

it comes to media literacy on

information and belief it says the

consumers did not consent nor were they

otherwise aware that the defendants

purchased their driving data from these

car manufacturers if this is going to be

taken seriously as an objective place to

find every single instance of a company

screwing you we need to hold ourselves

to a very high standard and throughout

that entire 46 page legal document there

is not a single piece of evidence no

citations no do corporate Communications

no contracts no nothing showing that any

major automaker ever sold any of this

driver data to Arity that's an important

one because trust me I don't trust the

major automakers and I do not trust

insurance providers I have my own

opinions on these things but this is

supposed to be a place where we go to

get facts and there are many

journalistic outlets that have been

saying that all these Brands were

selling data to a but they do not

mention that there's no evidence of that

yet and we do have to wait for the

evidence I must hold those that I do not

like to the standard that I would hope

others will hold me to as well the

lawsuit says to potentially account for

the a SDK data's limitations defendants

sought to combine the SDK data with data

collected directly from Vehicles as a

result dependants began purchasing

consumer driver related data from car

manufacturers such as Toyota Lexus Mazda

Chrysler Dodge fat Jeep Maserati and RAM

on information and belief customers did

not consent nor were they otherwise

aware that defendants purchased their

driving related data from these car

manufacturers and and we're going to

talk about what on information and

belief means and when I when I go over

the second article there's no evidence

for this whatsoever and when you read an

outlet that said that Dodge Chrysler and

Mazda sold data to Arity they're usually

going to site this PDF but they didn't

read the 45 pages or 46 Pages because if

they did they would realize that this is

simply alleged without any evidence just

because I don't like you does mean that

I'm going to believe something bad about

you without there being evidence next

one that does not have any evidence yet

a has bonus incentive to Developers for

building data collection into the

applications the suit claims to

encourage developers to adopt dependent

software that defendants paid app

developers millions of dollars to

integrate defendant software into their

apps defendants further incentivize

developer participation by creating

generous bonus incentives for increasing

the size of the data set however no

citations evidence for this are provided

aity does brag about having the largest

driving data set so I can understand

that that driving data has value so I

can see why they would want to pay

people for it but that in of itself is

not evidence there is no evidence that

Arity was paying developers to integrate

their SDK into their apps present in the

suit one can infer economic incentives

for AR's alleged Behavior if driver data

is in high demand AR could sell driver

data to their partners for more money

than the incentives offered to app

developers to implement their data

collection SDK however there is no

evidence presented in the suit the

automakers that were accused of selling

driver data to the defendant aity were

Toyota Lexus Mazda Chrysler Dodge Fiat

Jeep Maserati and RAM and evidence was

not presented for any of this if anybody

can find that evidence and they can

factually cite that evidence I would

love to have it in the consumer

protection Wii which we've rebranded uh

consumer action task force because

there's something about CP Wei that just

yeah just don't name your website the CP

whatever if an application says that it

is harvesting data on you and that

application is free there's probably a

reason for it thank you so much for

taking the time to check out website and

I really hope to have more and more

people contributing to this over time

this has been going absolutely amazing

recently so check this out this was an

article on my Netflix video right

Netflix 4K stream quality

controversy within one day this was

turned

into

this like just citations details

screenshots uh terms of service analysis

the complete list of Hardware

requirements which requirements Netflix

discloses which requirements Netflix

does not disclose like this is beautiful

I mean the thing is even the person that

wrote this you needed to do that for

somebody else to turn it into this and

I'm very very very happy humbled and

excited to have all these people working

together to document every single one of

these instances of anti-consumer [__]

we've got blizzard on here we got

Nintendo on here forced arbitration Roku

everybody changing the terms of the sale

this is all going to be easily indexable

please do jump in all you got to do is

click on recent changes over here to see

what people are doing take a look at the

things that are not cited well try

changing them try working on them try

making them better and do try to enter

some articles on your own what are

things that you think should be in here

that are not in here right now I've got

at least absolute minimum of 1,000

videos that have to be translated into

stuff for this Weeki and there's a how

to help page on the homepage you go on

the video directory and yeah there's

there's a there's a lot of work to do

here because there's a lot of videos

that I've made on all these issues long

before I ever had the idea to do a

consumer protection Wii I mean consumer

action task force I really got to start

using the new name for this thing

I need your help I can't do this on my

own I don't even think Clinton can do it

as on his own can

[Music]

you

lenty

hi for

[Applause]

you see how fast it responds

now look at

this

wow I'm so happy I have my kitty back

hello clinty yeah what the you're not

supposed to whoa okay never mind he's

not all the way back he never used to

slip like that before you saw how he

like kind of had to catch himself he has

a degenerative bone disease in his back

it's pretty bad

so he's a very fast cat I mean when he

was younger I've seen him knock over 60

lb German Shepherds he's he's kind of

crazy he's attacked dogs that are four

times the size and he he's he's insane

but he's also old now and he's not

really yeah he he doesn't really get the

whole concept of being a 16-year-old cat

and not being a lunatic anymore he's

calmed down a lot in his old age

but have a greeny clinty have a green ow

ow owow ow

Jesus

Christ that's it for today and as always

I hope you learned

something love

you good

boy for all you sponsor block people out

there I want you to ensure that this

Remains the least sponsorable least

brand safe Channel on YouTube from from

now until the end of time and the best

way that you could do that is contribute

to this as often as you can so that my

name my personal name is attached to a

brand that will never ever have a

sponsor just like look at this the

blizzard forced arbitration stuff just

everything like plural

side how many people have they sponsored

on

YouTube it's just

no more no

more no

more

no I had no idea this was going to

happen they're like oh yeah no problem

send out a not