SECTION 1. The General Laws are hereby amended by inserting after chapter 93L the following chapter:-
Chapter 93M. Massachusetts Data Privacy Act
Section 1. As used in this chapter, the following words shall have the following meanings unless the context otherwise requires:
...
“Sale of personal data”, the transfer of personal data in exchange for monetary or other valuable consideration by the controller to a third party; provided, however, that “sale of personal data” shall not include: (i) the disclosure of personal data to a processor that processes the personal data on behalf of the controller if limited to the purposes of the processing; (ii) the disclosure of personal data to a third party for purposes of providing a product or service affirmatively requested by the consumer; (iii) the disclosure or transfer of personal data to an affiliate of the controller; (iv) the disclosure of personal data with the consumer’s affirmative consent, where the consumer affirmatively directs the controller to disclose the personal data or intentionally uses the controller to interact with a third party; (v) the disclosure or transfer of personal data to a third party as an asset that is part of a merger, acquisition, bankruptcy or other transaction or a proposed merger, acquisition, bankruptcy or other transaction, in which the third party assumes control of all or part of the controller’s assets; or (vi) the disclosure of personal data that the consumer: (A) intentionally made available to the general public via a channel of mass media; and (B) did not restrict to a specific audience.
Imagine taking up a hobby of drawing, then bemoaning the existence of a printer. Or learning spanish, and bemoaning google translate. Or trying out woodworking, and bemoaning IKEA.
I don't think painting and photography (Which was when painters perhaps feared for their jobs at first) are equivalent. If I paint, it's not because I want an exact "photo" of a person or scene. The fact that its painted by hand makes it fundamentally different from a photograph. With software, you can't really see that. It's compiled and you just see the end result.
>Microsoft has been piloting Scout as an internal tool for employees it was calling “ClawPilot,” since March. ClawPilot—and now Scout—are part of “Project Lobster,” which is a Microsoft plan to bring the popular OpenClaw AI tool to its Microsoft 365 suite of products in a way that nontechnical people can use.
Those feelings fall apart very quickly though. A project from a non-technical person may seem to roll out well, but they aren't seeing the parts that are misguided, not generalizable, or plainly wrong. MVPs are most useful because it means someone with domain knowledge was able to not just put together a product, but they understand the difficult parts, what will work and what won't, whether the pursuit is viable. Vibecoding doesn't do that exactly. It produces something that looks like an MVP, but who knows.
To me, intoxicating is a better word for that feeling than empowering.
I think the problem is there isn't a fortune there. It would be a successful endeavor, but not something to rake in huge piles of cash. The kinds of leaders and investors who could pull off what you're describing are instead working where they can make multi-millions rather that multi-hundreds of thousands.
I feel like if you’re going to write an article like this, you should at least engage with why it’s happening. Maybe deep down for some of the participants it’s a kind of moral thing, but mostly this is because payments for NSFW/porn stuff are dramatically more expensive. All of the “stuff” payment processors are doing is harder for NSFW/porn content, so that’s the main reason the processors want these companies to separate/cutoff that type of content.
EDIT: I’m kind of sensitive to getting downvotes on a comment. Do the downvoters think this is a high quality article giving a good amount of context for the upstream policy choices? Do the downvoters take me for supporting some kind of decision like this? Do you think I’m just wrong on my understanding of why these policies are made? I’d really encourage you to look into it. Google or chat something like “why do payment processors ban adult content”.
Chargebacks don't cost a payment network anything.
They keep the payment fee, and they charge you a large chargeback fee. They don't lose or spend any money out of their own pocket on it.
If you have high fraud rates, they charge you a higher per payment fee.
Our company is both a payment network and a merchant, depending on specific product lines and such. We spend a lot of time preventing credit card fraud on our merchant lines of business, and very little on our payment line of business, because chargebacks cost us nothing there.
As designed.
I can't believe people keep perpetuating this lie, that they very obviously haven't thought critically about. It's so frustrating. It's like everyone just repeating gormlessly that the sky is actually purple when they can just look at it.
Chargebacks. "Oh, honey, I don't know how that got there. A hacker must've stolen my card! I'll call the bank immediately!" Worked in the adult industry and traditional e-commerce. It's a perennial problem.
> Chargebacks. "Oh, honey, I don't know how that got there. A hacker must've stolen my card! I'll call the bank immediately!" Worked in the adult industry and traditional e-commerce. It's a perennial problem.
As explained elsewhere, this is a problem for the merchants, not for the platforms. The platforms don't lose money on this, and may in fact profit off of it.
I managed an adult platform with 200 employees and $75 million in revenue and a dedicated Risk Analysis team. I think I know a thing or two about this, but thanks for the input.
Police and fire fighters have tons of opportunities for overtime. they get paid absurd amounts of money to do it. It’s another thing that badly needs reform.
That is your choice, however. Plenty of people choose to pay for a new battery rather than drop hundreds of dollars on a new phone. Apple still offers battery service for $69 for the iPhone 6, a phone released 12 years ago. You could have a new battery put in it today and then go a few more years. Nobody is forcing you to buy a whole new phone.
SECTION 1. The General Laws are hereby amended by inserting after chapter 93L the following chapter:-
Chapter 93M. Massachusetts Data Privacy Act
Section 1. As used in this chapter, the following words shall have the following meanings unless the context otherwise requires:
...
“Sale of personal data”, the transfer of personal data in exchange for monetary or other valuable consideration by the controller to a third party; provided, however, that “sale of personal data” shall not include: (i) the disclosure of personal data to a processor that processes the personal data on behalf of the controller if limited to the purposes of the processing; (ii) the disclosure of personal data to a third party for purposes of providing a product or service affirmatively requested by the consumer; (iii) the disclosure or transfer of personal data to an affiliate of the controller; (iv) the disclosure of personal data with the consumer’s affirmative consent, where the consumer affirmatively directs the controller to disclose the personal data or intentionally uses the controller to interact with a third party; (v) the disclosure or transfer of personal data to a third party as an asset that is part of a merger, acquisition, bankruptcy or other transaction or a proposed merger, acquisition, bankruptcy or other transaction, in which the third party assumes control of all or part of the controller’s assets; or (vi) the disclosure of personal data that the consumer: (A) intentionally made available to the general public via a channel of mass media; and (B) did not restrict to a specific audience.
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