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Google settles $17 million deal over tracking of consumers

WASHINGTON – Google has agreed to a $17 million settlement with Maryland, Virginia, D.C. and 34 other states, and has agreed to change some of its privacy practices.

Maryland Attorney General Doug Gansler made the announcement, saying it comes as the result of a multi-state investigation into Google’s use of cookies on certain Safari web browsers.

Through its DoubleClick advertising platform, Google sets third-party cookies — small files set in consumers’ web browsers — that enable it to gather information about those consumers, including, depending on the type of cookie, their Internet surfing habits.

Apple’s Safari web browser is set by default to block third-party cookies, including cookies set by DoubleClick to track a consumer’s browsing history.

From June 1, 2011 until Feb. 15, 2012, Google altered its DoubleClick coding to circumvent those default privacy settings on Safari, without consumers’ knowledge or consent, enabling it to set DoubleClick cookies on consumers’ Safari browsers. Google disabled this coding method in February 2012 after the practice was widely reported.

“Given the many, often undetectable ways personal information can be collected and shared online, consumers need to be able to trust that their privacy preferences will be honored,” said Gansler.

“Internet companies must keep their privacy promises so that consumers can navigate the Internet on their own terms.”

Google had been offering consumers the ability to opt out of having third-party advertising cookies set on their browsers by installing an advertising cookie opt- out plugin. On its Web page describing that opt-out plugin, Google represented to Safari users that “Safari is set by default to block all third-party cookies. If you have not changed those settings, this option effectively accomplishes the same thing as setting the opt-out cookie.”

According to Gansler, this statement was misleading to Safari users because it suggested that they would not receive third-party cookies, although subsequent to the inclusion of this statement, Google took active steps to circumvent Safari’s default settings for the purpose of setting third-party cookies without the consumers’ knowledge or consent.

The Attorneys General alleged that Google’s circumvention of the default privacy settings in Safari for blocking third-party cookies violated state consumer protection and related computer privacy laws.

The states claimed that Google failed to inform Safari users that it was circumventing their privacy settings and that Google’s earlier representation that third-party cookies were blocked for Safari users was misleading.

Gansler says Google has agreed to pay the Attorneys General $17 million and also has agreed to injunctive relief that requires it to do the following:

  1. Not deploy the type of code used here to override a browser’s cookie blocking settings without the consumer’s consent, unless it is necessary to do so in order to detect, prevent or otherwise address fraud, security or technical issues.
  2. Not misrepresent or omit material information to consumers about how they can use any particular Google product, service or tool to directly manage how Google serves advertisements to their browsers.
  3. Improve the information it provides to consumers regarding cookies, their purposes, and how they can be managed by consumers using Google’s products or services and tools.
  4. Maintain systems designed to ensure the expiration of the third-party cookies set on Safari Web browsers while their default settings had been circumvented.

A Google spokesperson tells WTOP: “We work hard to get privacy right at Google and have taken steps to remove the ad cookies, which collected no personal information, from Apple’s browsers. We’re pleased to have worked with the state attorneys general to reach this agreement.”

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Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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