Terms Unconditional

Every claim traceable to a cited source. Every row shows how verified it is.

How 1,036 company records treat their customers: what they collect and share, whether they force arbitration, and what has leaked.

Start with your own

Pick a company you already pay. Choosing a company opens its page.

The Toxic Ten

The most severe findings among the 31 that have passed review for publication. Drafts are left out however severe. Ranked by severity, then alphabetically; rows with the same severity are tied.

  1. 1

    Allstate

    Insurance

    Allstate's subsidiary Arity paid app developers millions of dollars to bury a tracking SDK inside apps that had nothing to do with insurance - Life360…

    Severity 5 of 5.
    Severity 5 of 5.
    Unassigned
    Evidence tier: Unassigned (no legal tier assigned; source types: regulator)
  2. 2

    British Airways

    Global Airlines (Top 40)

    The 2018 breach is the most-studied GDPR case in aviation because of what the regulator found: attackers reached BA's systems and harvested payment card…

    Severity 5 of 5.
    Severity 5 of 5.
    Unassigned
    Evidence tier: Unassigned (no legal tier assigned; source types: regulator)
  3. 3

    Cash App (Block, Inc.)

    Consumer Apps

    The CFPB ordered Cash App's parent company to pay UP TO $120 MILLION back to defrauded customers plus a separate $55 MILLION penalty, finding Cash App failed…

    Severity 5 of 5.
    Severity 5 of 5.
    Unassigned
    Evidence tier: Unassigned
  4. 4

    Google Maps

    Consumer Apps

    Google Maps' location data is part of the same Google data ecosystem as the $1.375 billion Texas settlement…

    Severity 5 of 5.
    Severity 5 of 5.
    Unassigned
    Evidence tier: Unassigned (no legal tier assigned; source types: none, court)
  5. 5

    Google Photos

    Productivity & Comms Apps

    Google Photos face grouping is the other biometric claim set in the $1.375 billion Texas settlement, and Google separately paid $100 million to settle an…

    Severity 5 of 5.
    Severity 5 of 5.
    Unassigned
    Evidence tier: Unassigned (no legal tier assigned; source types: regulator, none)
  6. 6

    HCA Healthcare

    F500 Healthcare Providers

    The 2023 HCA breach exposed data on roughly 11 million patients, and the mechanism is the part worth understanding…

    Severity 5 of 5.
    Severity 5 of 5.
    Unassigned
    Evidence tier: Unassigned
  7. 7

    Humana

    Life-Health-Dental Insurance

    Humana was sued in 2023 over the same nH Predict algorithm at issue in the UnitedHealth case - the naviHealth-built tool that estimates how long a Medicare…

    Severity 5 of 5.
    Severity 5 of 5.
    Unassigned
    Evidence tier: Unassigned (no legal tier assigned; source types: court, none)
  8. 8

    Johnson & Johnson

    F500 Pharma & Biotech

    The 2023 breach hit Johnson & Johnson's PATIENT ASSISTANCE programme - the mechanism through which people who cannot afford a drug apply for help paying for it.

    Severity 5 of 5.
    Severity 5 of 5.
    Unassigned
    Evidence tier: Unassigned (no legal tier assigned; source types: none)
  9. 9

    Klarna / Afterpay / Affirm (Buy Now, Pay Later apps)

    Consumer Apps

    A 2025 LendingTree survey found 41% of Buy Now Pay Later users paid late at least once in the prior year, up from 34% the year before.

    Severity 5 of 5.
    Severity 5 of 5.
    Unassigned
    Evidence tier: Unassigned (no legal tier assigned; source types: regulator, court)
  10. 10

    MetLife

    Life-Health-Dental Insurance

    The instructive thing about MetLife is the range.

    Severity 5 of 5.
    Severity 5 of 5.
    Unassigned
    Evidence tier: Unassigned (no legal tier assigned; source types: none)

Every company

Patterns across companies

Findings that no single company page shows.

  1. 1 The shared-vendor pattern
  2. 2 Algorithmic claim denial in health insurance
  3. 3 Privacy as a purchasable enterprise feature
  4. 4 The notice address is not headquarters
  5. 5 Social engineering beat every technical control
  6. 6 Breach figures are provisional
  7. 7 Employees often dominate a consumer breach
  8. 8 The HIPAA perimeter is small
  9. 9 Arbitration changed liability's shape
  10. 10 Law follows geography, not conduct
  11. 11 Penalties track ability to pay
  12. 12 Empty rows measure the disclosure regime
  13. 13 No published written channel
  14. 14 The shortest deadline in consumer law
  15. 15 The franchise gap
  16. 16 The EHR layer

1,036 company records · 31 publishable · 88 verified · last audit