Purposes	Retention
Store and/or access information on a device	400 day(s)
Create profiles for personalised advertising	400 day(s)
Use profiles to select personalised advertising	400 day(s)
Use limited data to select advertising	400 day(s)
Measure advertising performance	400 day(s)
Measure content performance	400 day(s)
Understand audiences through statistics or combinations of data from different sources	400 day(s)
Develop and improve services	400 day(s)

Special purposes	Retention
Ensure security, prevent and detect fraud, and fix errors	400 day(s)
Deliver and present advertising and content	400 day(s)

Features
Match and combine data from other data sources
Link different devices
Identify devices based on information transmitted automatically

Data categories
IP addresses
Probabilistic identifiers
Browsing and interaction data
Non-precise location data
Users’ profiles

Purposes	Retention
Store and/or access information on a device	395 day(s)
Use limited data to select advertising	395 day(s)
Create profiles for personalised advertising	395 day(s)
Use profiles to select personalised advertising	395 day(s)
Measure advertising performance	395 day(s)
Understand audiences through statistics or combinations of data from different sources	395 day(s)
Develop and improve services	395 day(s)

Features
Match and combine data from other data sources
Link different devices
Identify devices based on information transmitted automatically

Special features
Use precise geolocation data
Actively scan device characteristics for identification

Data categories
IP addresses
Device characteristics
Device identifiers
Probabilistic identifiers
Authentication-derived identifiers
Browsing and interaction data
User-provided data
Non-precise location data
Precise location data
Users’ profiles
Privacy choices

Purposes	Retention
Measure advertising performance	60 day(s)
Understand audiences through statistics or combinations of data from different sources	60 day(s)

Features
Match and combine data from other data sources

Data categories
IP addresses

Purposes	Retention
Store and/or access information on a device	-
Use limited data to select advertising	90 day(s)
Use profiles to select personalised advertising	90 day(s)
Measure advertising performance	400 day(s)

Special purposes	Retention
Ensure security, prevent and detect fraud, and fix errors	400 day(s)
Deliver and present advertising and content	400 day(s)
Save and communicate privacy choices	90 day(s)

Data categories
IP addresses
Device identifiers
Probabilistic identifiers
Browsing and interaction data
User-provided data
Non-precise location data
Privacy choices

Purposes	Retention
Store and/or access information on a device	365 day(s)
Use limited data to select advertising	365 day(s)
Create profiles for personalised advertising	3650 day(s)
Use profiles to select personalised advertising	3650 day(s)
Measure advertising performance	1500 day(s)
Develop and improve services	365 day(s)

Special purposes	Retention
Ensure security, prevent and detect fraud, and fix errors	365 day(s)
Deliver and present advertising and content	365 day(s)

Features
Identify devices based on information transmitted automatically

Data categories
IP addresses
Device characteristics
Device identifiers
User-provided data
Non-precise location data

Purposes	Retention
Store and/or access information on a device	180 day(s)
Create profiles for personalised advertising	180 day(s)
Use profiles to select personalised advertising	180 day(s)
Use limited data to select advertising	180 day(s)
Measure advertising performance	180 day(s)
Measure content performance	180 day(s)
Develop and improve services	180 day(s)

Special purposes	Retention
Ensure security, prevent and detect fraud, and fix errors	180 day(s)
Deliver and present advertising and content	180 day(s)
Save and communicate privacy choices	180 day(s)

Features
Link different devices

Data categories
IP addresses
Device characteristics
Device identifiers
Authentication-derived identifiers
Browsing and interaction data
Non-precise location data
Users’ profiles
Privacy choices

Purposes	Retention
Store and/or access information on a device	180 day(s)
Use limited data to select advertising	180 day(s)
Create profiles for personalised advertising	90 day(s)
Use profiles to select personalised advertising	90 day(s)
Measure advertising performance	180 day(s)
Understand audiences through statistics or combinations of data from different sources	90 day(s)
Develop and improve services	180 day(s)

Special purposes	Retention
Ensure security, prevent and detect fraud, and fix errors	180 day(s)
Deliver and present advertising and content	180 day(s)
Save and communicate privacy choices	180 day(s)

Features
Link different devices
Identify devices based on information transmitted automatically

Special features
Use precise geolocation data

Data categories
IP addresses
Device characteristics
Device identifiers
Browsing and interaction data
User-provided data
Non-precise location data
Precise location data
Users’ profiles
Privacy choices

Purposes	Retention
Store and/or access information on a device	730 day(s)
Create profiles for personalised advertising	730 day(s)
Use profiles to select personalised advertising	730 day(s)
Use limited data to select advertising	730 day(s)
Measure advertising performance	730 day(s)
Measure content performance	730 day(s)
Understand audiences through statistics or combinations of data from different sources	730 day(s)
Develop and improve services	730 day(s)

Special purposes	Retention
Ensure security, prevent and detect fraud, and fix errors	730 day(s)
Deliver and present advertising and content	730 day(s)
Save and communicate privacy choices	730 day(s)

Features
Match and combine data from other data sources
Link different devices
Identify devices based on information transmitted automatically

Special features
Use precise geolocation data

Data categories
IP addresses
Device characteristics
Device identifiers
Probabilistic identifiers
Authentication-derived identifiers
Browsing and interaction data
User-provided data
Non-precise location data
Precise location data
Users’ profiles
Privacy choices

Purposes	Retention
Store and/or access information on a device	180 day(s)
Create profiles for personalised advertising	180 day(s)
Use profiles to select personalised advertising	180 day(s)
Understand audiences through statistics or combinations of data from different sources	180 day(s)
Develop and improve services	180 day(s)
Use limited data to select advertising	180 day(s)
Measure advertising performance	180 day(s)

Special purposes	Retention
Ensure security, prevent and detect fraud, and fix errors	180 day(s)
Deliver and present advertising and content	180 day(s)
Save and communicate privacy choices	180 day(s)

Features
Identify devices based on information transmitted automatically

Special features
Use precise geolocation data
Actively scan device characteristics for identification

Data categories
IP addresses
Device identifiers
Non-precise location data
Precise location data
Users’ profiles

Purposes	Retention
Store and/or access information on a device	60 day(s)
Use limited data to select advertising	14 day(s)
Create profiles for personalised advertising	60 day(s)
Use profiles to select personalised advertising	60 day(s)
Measure advertising performance	14 day(s)
Understand audiences through statistics or combinations of data from different sources	60 day(s)

Special purposes	Retention
Ensure security, prevent and detect fraud, and fix errors	60 day(s)
Deliver and present advertising and content	60 day(s)

Features
Identify devices based on information transmitted automatically

Data categories
IP addresses
Device characteristics
Device identifiers
Probabilistic identifiers
Browsing and interaction data
Non-precise location data
Users’ profiles
Privacy choices

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Some drivers of General Motors cars, like these Chevrolet Bolts, may not realize that their driving data is being shared with insurance companies.Credit...Carlos Osorio/Associated Press

Automakers Are Sharing Consumers’ Driving Behavior With Insurance Companies

LexisNexis, which generates consumer risk profiles for the insurers, knew about every trip G.M. drivers had taken in their cars, including when they sped, braked too hard or accelerated rapidly.

By Kashmir Hill

Kashmir Hill has been writing about technology and privacy for more than a decade.

Published March 11, 2024Updated March 13, 2024

Kenn Dahl says he has always been a careful driver. The owner of a software company near Seattle, he drives a leased Chevrolet Bolt. He’s never been responsible for an accident.

So Mr. Dahl, 65, was surprised in 2022 when the cost of his car insurance jumped by 21 percent. Quotes from other insurance companies were also high. One insurance agent told him his LexisNexis report was a factor.

LexisNexis is a New York-based global data broker with a “Risk Solutions” division that caters to the auto insurance industry and has traditionally kept tabs on car accidents and tickets. Upon Mr. Dahl’s request, LexisNexis sent him a 258-page “consumer disclosure report,” which it must provide per the Fair Credit Reporting Act.

What it contained stunned him: more than 130 pages detailing each time he or his wife had driven the Bolt over the previous six months. It included the dates of 640 trips, their start and end times, the distance driven and an accounting of any speeding, hard braking or sharp accelerations. The only thing it didn’t have is where they had driven the car.

On a Thursday morning in June for example, the car had been driven 7.33 miles in 18 minutes; there had been two rapid accelerations and two incidents of hard braking.

According to the report, the trip details had been provided by General Motors — the manufacturer of the Chevy Bolt. LexisNexis analyzed that driving data to create a risk score “for insurers to use as one factor of many to create more personalized insurance coverage,” according to a LexisNexis spokesman, Dean Carney. Eight insurance companies had requested information about Mr. Dahl from LexisNexis over the previous month.

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Automakers Are Sharing Consumers’ Driving Behavior With Insurance Companies

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