What exists about you • how it spreads • what you can do
Data rights, explained
A plain-language guide to personal data, the broker ecosystem, and the rights that may apply to you — with the primary sources behind every claim. This is education, not legal advice.
A. What information exists about you?
“Your data” is not one thing. Different categories carry different legal weight, and the difference explains why deleting some of it is straightforward and deleting all of it is not.
- Identifying information
- Name, aliases, date of birth, government identifiers such as a driver’s licence or Social Security number.Government identifiers are treated as “sensitive” under several statutes (e.g. 15 U.S.C. § 9901(c)(7)(A)).
- Contact information
- Postal addresses, email addresses, phone numbers.Often the minimum needed to match a record. Frequently the part people are most annoyed to see published.
- Location information
- Home and work locations, visits, travel patterns, device-derived location.“Precise geolocation information” has a specific legal definition — street level, or within 1,850 feet (§ 9901(c)(6)).
- Browsing & advertising data
- Sites and apps used, device identifiers, advertising IDs, inferred interests.Frequently shared for “targeted advertising” even where no money changes hands — which is why laws define “sharing” separately from “sale”.
- Purchasing patterns
- Orders, subscriptions, loyalty activity, grocery and retail history.Purchase signals are often used to infer health, financial or life-event status.
- Inferred attributes
- Assumptions derived from other data — income band, life stage, likelihood of a condition.Inferences can be as revealing as facts, and are treated as personal information under several regimes.
- Public records
- Voter files, property and court records, licensing data.“Publicly available” information is excluded from some deletion regimes — a big limit on what any tool can erase.
- Consumer-reporting data
- Credit, rental, employment and background-check data held by consumer reporting agencies.Governed by the FCRA — an accuracy regime with dispute rights, not a general deletion right.
- Sensitive personal information
- Health, biometric, genetic, financial-account, precise location, private communications, credentials and more.Usually gets the strongest protections and the most explicit opt-outs.
B. How does personal information spread?
The diagram below is conceptual. It shows the kinds of relationships that appear in the public record — regulatory actions, settlements and statutes — not a scan of your data and not a claim that every path is used for every person.
You
You use a product, app, website or vehicle. Some of what you do is recorded as a by-product of the service.
Text equivalent of the diagram
- You — You use a product, app, website or vehicle. Some of what you do is recorded as a by-product of the service.
- Collector — The company you dealt with collects data directly. This is “first-party” data — and some deletion regimes exclude it for that reason.
- Ad / data intermediary — Advertising and analytics partners may receive identifiers or audiences to measure or target. Laws often define this as “sharing”.
- Data broker — A business that obtains data it did not collect directly and resells or licenses it. Registration regimes exist specifically for these entities.
- Purchaser — Insurers, marketers, or other businesses buy the product. The GM matter was about exactly this step: broker → insurer.
- Downstream — Data can be combined, re-sold, or used to make decisions about you — including pricing and eligibility.
Labelled here as conceptual. The GM settlement announcement is a documented instance of the broker → purchaser step.
C. What harms can arise?
Not every transaction causes every harm. These are the concerns that recur in the public record and in consumer research.
- Loss of privacy — information you did not choose to make public becomes findable.
- Unwanted solicitation — contact details drive marketing, scams and harassment.
- Profiling — inferences used to decide what you are offered, or charged.
- Exposure of sensitive details — health, financial or location information leaving its original context.
- Risks from inaccurate data — wrong facts can follow you into eligibility and pricing decisions.
- Location tracking — patterns of movement are difficult to un-know once sold.
- Aggregation — combining datasets reveals more than either part.
- Secondary uses you did not expect — data collected for one purpose used for another.
D. When does conduct become unlawful?
This is where most privacy writing goes wrong. These five levels are not interchangeable.
- 1Lawful processing
A business collects and uses data within the rules that apply to it — with notice, a lawful basis, and any required opt-outs honoured.
- 2Invasive but not prohibited
Data sharing that people find unsettling may still be legal where no statute reaches it, an exemption applies, or the business is out of scope.
- 3Potentially non-compliant
Conduct that may breach a specific requirement — e.g. failing to register as a data broker, ignoring a valid opt-out, or selling sensitive data without the required consent.
- 4Alleged in an investigation or suit
A regulator or plaintiff alleges a violation. An allegation is a claim, not a finding.
- 5Confirmed by a decision or order
An agency decision or final order establishes findings — the strongest form of public evidence short of adjudicated liability.
A regulator describing conduct as “illegal” in a press release is level 3 or 4 language; an agency decision or final order is level 5. A settlement is often accompanied by no admission of liability — which does not make it meaningless, but it is not a court finding.
E. What rights may you have?
Eligibility depends on jurisdiction, the business, the category of information, and exemptions.
| Right | Where it appears | What it means |
|---|---|---|
| Access / confirm processing | CA: CCPA · FL: § 501.705(2)(a) | Ask a covered business what it holds and whether it is processing your data. |
| Correction | CA: CCPA · FL: § 501.705(2)(b) | Fix inaccuracies. Narrower than it sounds — it corrects errors, it does not erase truths. |
| Deletion | CA: CCPA § 1798.105 · FL: § 501.705(2)(c) | Request deletion of personal information a covered business collected from you, subject to exceptions. |
| Opt out of sale / sharing | CA: CCPA § 1798.120 · FL: § 501.705(2)(e) | Stop the sale or sharing of your data — including some advertising disclosures. Data may remain. |
| Sensitive-data / geolocation opt-out | FL: § 501.705(2)(f) | Opt out of collection or processing of sensitive data, expressly including precise geolocation. |
| Portability | CA: CCPA · FL: § 501.705(2)(d) | Obtain a usable copy of your data where it is held digitally. |
| Consumer-reporting dispute | FCRA: 15 U.S.C. § 1681i · 12 C.F.R. pt. 1022 | Dispute inaccurate information with a consumer reporting agency; reinvestigation duties follow. |
| Complaint to a regulator | CA: privacy.ca.gov/submit-a-complaint/ | Regulators act on complaints; remedies vary and are not guaranteed. |
California and Florida are shown because both are verified in this library. Absence of a jurisdiction here means we have not verified it — not that no rights exist there.
F. What can the visitor do?
- California residents: use DROP — the state's free deletion platform for registered data brokers. Read what it does and doesn't do →
- Check the registry: see whether a company is a registered California data broker in the CPPA registry.
- Credit-file errors: dispute with the consumer reporting agency. How the FCRA dispute right works →
- Complain: California consumers can file a privacy complaint with CalPrivacy.
- Exercise a specific right against a specific business: use that business's privacy request channel. See the Florida rights map →
These are free statutory routes. No service should imply you must pay to use your own legal rights.
G. What Sheila proposes to do
Sheila is prelaunch. Being precise about that is part of the product's posture, so here is the honest split.
Built and tested offline
Registry ingest, request rendering with the statutory citations, six verification gates, a hash-chained evidence record, and reply classification.
Dry-run only
The sending path. It runs end-to-end against reserved addresses and records everything — but no request has been delivered to a broker.
Planned
Coverage beyond the registered-broker registry, ongoing re-checks, and the customer-facing status experience.
The site's home page and its request-record interaction are illustrative, using synthetic data, and are labelled as such. Nothing on this site is a live account or a completed outcome.
Sources used on this page
- How DROP works (privacy.ca.gov) ↗Official guidancehttps://privacy.ca.gov/drop/how-drop-works/
- California data-broker registry ↗Official registryhttps://cppa.ca.gov/data_broker_registry/
- 15 U.S.C. § 9901 (PADFAA definitions) ↗U.S. Codehttps://uscode.house.gov/us/usc/t15/s9901/
- Fla. Stat. § 501.705 ↗State statutehttps://www.flsenate.gov/Laws/Statutes/2026/501.705
- 15 U.S.C. § 1681i (FCRA disputes) ↗U.S. Codehttps://uscode.house.gov/us/usc/t15/s1681i/