<html><head><meta http-equiv="content-type" content="text/html; charset=utf-8"></head><body dir="auto"><div>Alex</div><div id="AppleMailSignature"><br></div><div id="AppleMailSignature">This is great. Thanks for sharing. So, to some extent this is what Terms and Conditions are all about. Much as it's definitely not a perfect scenario these is an 'assumed' acceptance. Which can be challenged in court. There is also a certain 'transparency' and a sort of 'Buyer Beware' notice.</div><div id="AppleMailSignature"><br></div><div id="AppleMailSignature">This could be something that the consumer protection agencies can take up? <br><br><div><span style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.294118); -webkit-composition-fill-color: rgba(175, 192, 227, 0.231373);"><b>Ali Hussein</b></span></div><div><span style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.294118); -webkit-composition-fill-color: rgba(175, 192, 227, 0.231373);"><b>Principal</b></span></div><div><b style="background-color: rgba(255, 255, 255, 0);">Hussein & Associates</b></div><div style="font-family: Helvetica; font-size: medium; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); -webkit-text-size-adjust: auto; ">+254 0713 601113 </div><div style="font-family: Helvetica; font-size: medium; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); -webkit-text-size-adjust: auto; "><br></div><div><p style="margin: 0in 0in 0pt;"><span style="background-color: rgba(255, 255, 255, 0);">Twitter: @AliHKassim</span></p><span style="background-color: rgba(255, 255, 255, 0);"><font></font></span><p style="margin: 0in 0in 0pt;"><span style="background-color: rgba(255, 255, 255, 0);">Skype: abu-jomo</span></p><p style="margin: 0in 0in 0pt;"><span style="background-color: rgba(255, 255, 255, 0);">LinkedIn: <a href="http://ke.linkedin.com/in/alihkassim" target="_blank">http://ke.linkedin.com/in/alihkassim</a></span></p><font><br></font></div><div><span style="background-color: rgba(255, 255, 255, 0);">"We are what we repeatedly do. Excellence, therefore, is not an act but a habit." ~ Aristotle</span></div><div><br></div><div><span style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.294118); -webkit-composition-fill-color: rgba(175, 192, 227, 0.231373);"><br></span></div>Sent from my iPad</div><div><br>On 20 Feb 2017, at 3:48 PM, Alex Gakuru via isoc <<a href="mailto:isoc@lists.my.co.ke">isoc@lists.my.co.ke</a>> wrote:<br><br></div><blockquote type="cite"><div><div dir="ltr"><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small">
<p style="margin-bottom:0in;line-height:100%"><b>Conditions of Use for the Safaricom Prepaid Services </b><br></p><p style="margin-bottom:0in;line-height:100%"></p><p style="margin-bottom:0in;line-height:100%">g. You accept that
we may disclose and/or receive and/or record <b>any details of your use
of the Services</b> <b><u>including</u> but not limited to your calls, emails,
SMS’s, data, your personal information or documents obtained from
you</b> for the purposes below:</p>
<p style="margin-bottom:0in;line-height:100%">….
</p>
<p style="margin-bottom:0in;line-height:100%">(ii) For reasonable
commercial purposes connected to your use of the mobile service, such as
marketing and research related activities;</p>
<br><a href="https://www.safaricom.co.ke/images/Downloads/Terms_and_Conditions/conditions_of_use_for_the_safaricom_prepaid_services.pdf">https://www.safaricom.co.ke/images/Downloads/Terms_and_Conditions/conditions_of_use_for_the_safaricom_prepaid_services.pdf</a><br><br>----<br></div><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small">We must feel very safe for our consumers privacy caring Safaricom uses <b>any details of your use
of the Services</b> <b><i><u>including</u></i> but not limited to your calls, emails,
SMS’s, data, your personal information or documents obtained from
you ....<br></b></div><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small"><b><br></b></div><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small">for their "commercial purposes" -- whatever broadly defined those purposes are ok! <b><br></b></div><div class="gmail_default" style="font-family:arial,helvetica,sans-serif;font-size:small"><br><br></div></div><div class="gmail_extra"><br><div class="gmail_quote">On Mon, Feb 20, 2017 at 3:29 PM, Alex Gakuru <span dir="ltr"><<a href="mailto:gakuru@gmail.com" target="_blank">gakuru@gmail.com</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex"><div dir="ltr"><div style="font-family:arial,helvetica,sans-serif;font-size:small" class="gmail_default"><h1>The $24 Billion Data Business That Telcos Don't Want to Talk About</h1>
<h2>Mobile Carriers Are Working With Partners to Manage, Package and Sell Data</h2>
By <span>
<span>
<a rel="author" href="http://adage.com/author/kate-kaye/974" class="m_5859134846205793671gmail-tooltip_item" target="_blank">Kate Kaye</a>.
</span>
</span>
Published on <time datetime="2015-10-26">October 26, 2015</time><p>U.K. grocer Morrisons, ad-buying behemoth GroupM and other marketers
and agencies are testing never-before-available data from cellphone
carriers that connects device location and other information with
telcos' real-world files on subscribers. Some services offer real-time
heat maps showing the neighborhoods where store visitors go home at
night, lists the sites they visited on mobile browsers recently and
more.</p>
<p>Under the radar, <a href="http://adage.com/directory/verizon-communications/289" title="See recent content about Verizon" target="_blank">Verizon</a>, Sprint, Telefonica and other carriers have partnered with firms including <a class="m_5859134846205793671gmail-directory_entry" href="http://adage.com/directory/sap/16447" title="Ad Age LookBook" target="_blank">SAP</a>, <a class="m_5859134846205793671gmail-directory_entry" href="http://adage.com/directory/ibm/4762" title="Ad Age LookBook" target="_blank">IBM</a>,
HP and AirSage to manage, package and sell various levels of data to
marketers and other clients. It's all part of a push by the world's
largest phone operators to counteract diminishing subscriber growth
through new business ventures that tap into the data that showers from
consumers' mobile web surfing, text messaging and phone calls.</p><p>SAP's Consumer Insight 365 ingests regularly updated data
representing as many as 300 cellphone events per day for each of the 20
million to 25 million mobile subscribers. SAP won't disclose the
carriers providing this data. It "tells you where your consumers are
coming from, because obviously the mobile operator knows their home
location," said Lori Mitchell-Keller, head of SAP's global retail
industry business unit.</p>
<p>There is a lot of marketer interest in that information because it is
tied to actual individuals. For the same reason, however, there is
potential for resistance from privacy advocates.</p>
<p>WPP units such as Kantar Media and GroupM's Mindshare have "kicked
the tires" for three years on Consumer Insight 365, testing and helping
develop applications for the service, said Nick Nyhan, CEO of WPP's Data
Alliance. The extensive time spent so far partly reflects "high
sensitivity to not doing something that would be too close for comfort
from a consumer point of view," Mr. Nyhan said.</p>
<p>The service also combines data from telcos with other information,
telling businesses whether shoppers are checking out competitor prices
on their phones or just emailing friends. It can tell them the age
ranges and genders of people who visited a store location between 10
a.m. and noon, and link location and demographic data with shoppers' web
browsing history. Retailers might use the information to arrange store
displays to appeal to certain customer segments at different times of
the day, or to help determine where to open new locations.</p>
<p>"It used to be that this data was a lot harder to come by," said Ross
Shanken, CEO of LeadID, a lead generation analytics firm. In a previous
position at data firm TargusInfo 2008 and 2010 he nonetheless partnered
with "a very large telco" to validate names, addresses and phone
numbers for data appending.</p>
<p><strong>Too risky for the E.U.?</strong><br>
To protect privacy, SAP receives non-personally-identifiable, anonymized
information from telcos, and only provides aggregated information to
its clients to prevent reidentification of individuals. Still, sharing
and using data this way is controversial. Nearly all the players
exploring the burgeoning Telecom Data as a Service field, or TDaaS for
short, are reluctant to provide the details of their operations, much
less freely name their clients. And despite privacy safeguards, SAP is
focused on selling its 365 product in North America and the Asia-Pacific
region because it cannot get the data it needs from telcos representing
consumers in the E.U., where data protections are stricter than in the
U.S. and elsewhere.</p>
<p>But the rewards may outweigh the possible tangles with government
regulators, consumer advocates and even squeamish board members.</p>
<p>The global market for telco data as a service is potentially worth
$24.1 billion this year, on its way to $79 billion in 2020, according to
estimates by 451 Research based on a survey of likely customers.
"Challenges and constraints" mean operators are scraping just 10% of the
possible market right now, though that will rise to 30% by 2020, 451
Research said.</p>
<p>"If I was a CEO of any telecom operator in the U.S., I would be
saying to myself I can do the same," said Michael Provenzano, CEO and
co-founder of Vistar Media, which teams up with mobile operators to
provide anonymized and aggregated data for targeting digital out-of-home
ads based on consumers' comings and goings. "That's going to be
something these guys are talking about in the boardroom."</p>
<p>Perhaps the most prominent recent moves in the burgeoning TDaaS realm are Verizon's $4.4 billion acquisition of <a href="http://adage.com/directory/aol/2727" title="See recent content about AOL" target="_blank">AOL</a> in May, followed by its purchase of mobile ad network <a class="m_5859134846205793671gmail-directory_entry" href="http://adage.com/directory/millennial-media/3111" title="Ad Age LookBook" target="_blank">Millennial Media</a>
for $238 million in September. Many saw the AOL buy as a means for
Verizon to turn its data into a viable business, in part because AOL
provides ad-tech infrastructure and marketer relationships that Verizon
lacks.</p>
<p>The level of authenticated information derived from Verizon and other
mobile operators is seen as potentially more valuable than some other
consumer data because it directly connects mobile phone interactions to
individuals through actual billing information. "We're talking about
linking a household and a billing relationship with a human being," said
Seth Demsey, CTO of AOL Platforms.</p>
<p>Verizon's Precision Market Insights division previously stumbled in
its attempts to aggregate and package mobile data to help marketers
target consumers and measure campaigns. Sprint's similar Pinsight Media
division and AT&T's AdWorks—which segments and targets TV
audiences—have not fared much better, according to observers.</p>
<p>But lackluster results from going it alone have driven telcos toward
companies that can facilitate cashing in on data. Along with SAP on the
marketer-facing side, others including HP and IBM have stepped in to
help phone carriers on the back-end data management and analysis side.</p>
<p>When Spanish operator Telefonica embarked on its Dynamic Insights
offering, it partnered with consumer insights firm GfK to help package
the telco's mobile data for clients including U.K. food purveyor
Morrisons. The grocery chain used the service to garner anonymized data
connecting consumer demographic data to location visits.</p><p>Some of these data relationships have long histories. SAP America
owns Sybase, a subsidiary it bought in 2010 that serves as a technology
hub for multiple mobile carriers and counts Verizon as a partner. The
Sybase business has provided "deep relationships with mobile operators
around the globe," said Rohit Tripathi, global VP and general manager of
SAP Mobile Services, in an email.</p>
<p>AirSage, another firm that has tight integrations with mobile
operators, supplies data to municipal planners, retail store developers
and city tourism boards. The company integrated its technology with
telecom companies in the 1990s to enable 911 call support services. More
recently it has signed data deals with Verizon Wireless and Sprint.
"Our solution is actually plugged into the network behind the firewall
of the carrier," said Ryan Kinskey, director of business development and
sales at AirSage. Device IDs tracked by AirSage are anonymized, he
added.</p>
<p>Verizon and Sprint declined to comment for this story. AT&T and
T-Mobile said they don't share consumer or location data with SAP,
Sybase, AirSage or Vistar.</p>
<p><strong>Why the secrecy?</strong><br>
Insiders say phone carriers exploring data-sharing businesses are
tight-lipped because they don't want to reveal too many details to
competitors, but fear of consumer complaints is always lurking in the
background.</p><p>"The practices that carriers have gotten into, the sheer volume of
data and the promiscuity with which they're revealing their customers'
data creates enormous risk for their businesses," said Peter Eckersley,
chief computer scientist at the Electronic Frontier Foundation, a
privacy watchdog. Mr. Eckersley and others suggest that anonymization
techniques are faulty in many cases because even information associated
with a hashed or encrypted identification code can be linked back to a
home address and potentially reidentified by hackers.</p>
<p>Unlike other types of location tracking, such as beacon technologies
that work only with mobile apps that people have agreed to let track
them, many services employing telco data require no explicit opt-ins by
consumers. Companies like SAP instead rely on carriers' terms and
conditions with their subscribers, calling acceptance of the terms
equivalent to opting in. Verizon's privacy policy, for example, says
that information collected on its customers may "be aggregated or
anonymized for business and marketing uses by us or by third parties."</p>
<p>Ultimately, for mobile operators, these relationships could reap
substantial income from the data generated by subscribers who already
account for their primary revenue streams. The telcos do not break out
revenue derived from their data-related sales in their quarterly
earnings reports, so just how much money they're making from these deals
is not known.</p>
<p>SAP will "effectively share the revenue back with the operator, so
they get to make money from data that they're basically not utilizing or
under-utilizing today," former SAP Mobile President John Sims said at
an industry conference in Las Vegas in 2013 as the company introduced
Consumer Insight 365.</p>
<p>"The mobile operators don't want to reveal this," said Mr. Tripathi,
the SAP Mobile Services executive. No matter how much telcos and their
partners stress that the data is anonymized and aggregated, he said,
"they are fearful people will take this and twist it into something that
it isn't."</p><p><a href="http://adage.com/article/datadriven-marketing/24-billion-data-business-telcos-discuss/301058/" target="_blank">http://adage.com/article/<wbr>datadriven-marketing/24-<wbr>billion-data-business-telcos-<wbr>discuss/301058/</a><br></p></div><br></div>
</blockquote></div><br></div>
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