IAPP CIPP-US Glossary October 2016

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Accountability

A fair information practices principle, it is the idea that when personal information is to be transferred to another
person or organization, the personal information controller should obtain the consent of the individual or exercise
due diligence and take reasonable steps to ensure that the recipient person or organization will protect the
information consistently with other fair use principles.

2.

Adequate Level of
Protection

A label that the EU may apply to third-party countries who have committed to protect data through domestic law
making or international commitments. Conferring of the label requires a proposal by the European Commission, an
Article 29 Working Group Opinion, an opinion of the article 31 Management Committee, a right of scrutiny by the
European Parliament and adoption by the European Commission.
Associated term(s): Adequacy

3.

Adverse Action

Under the Fair Credit Reporting Act, the term "adverse action" is defined very broadly to include all business, credit
and employment actions affecting consumers that can be considered to have a negative impact, such as denying
or canceling credit or insurance, or denying employment or promotion. No adverse action occurs in a credit
transaction where the creditor makes a counteroffer that is accepted by the consumer. Such an action requires
that the decision maker furnish the recipient of the adverse action with a copy of the credit report leading to the
adverse action.
Associated law(s): FCRA

American Institute
of Certified Public
Accountants
(AICPA)

A U.S. professional organization of certified public accountants and co-creator of the WebTrust seal program.

5.

Americans with
Disabilities Act
(ADA)

A U.S. law that bars discrimination against qualified individuals with disabilities.

6.

Antidiscrimination
Laws

Refers to the right of people to be treated equally.

7.

APEC Privacy
Principles

A set of non-binding principles adopted by the Asia-Pacific Economic Cooperative (APEC) that mirror the OECD
Fair Information Privacy Practices. Though based on OECD Guidelines, they seek to promote electronic commerce
throughout the Asia-Pacific region by balancing information privacy with business needs.

8.

Background
Screening/Checks

Verifying an applicant's ability to function in the working environment as well as assuring the safety and security of
existing workers. Background checks range from checking a person's educational background to checking on past
criminal activity.

9.

The Bank Secrecy

A U.S. federal law that requires U.S. financial institutions and money services businesses (MSBs), which are
entities that sell money orders or provide cash transfer services, to record, retain and report certain financial
transactions to the federal government. This requirement is meant to assist the government in the investigation of
money laundering, tax evasion, terrorist financing and various other domestic and international criminal activities.

4.

Associated term(s): Canadian Institute of Chartered Accountants, Seal Programs, WebTrust

Associated term(s): Financial Record Keeping and Reporting Currency and Foreign Transactions Act of 1970.
10.

Behavioral
Advertising aka
Online Bahavioral
Advertising aka
OBA

The act of tracking users' online activities and then delivering ads or recommendations based upon the tracked
activities. The most comprehensive form of targeted advertising. By building a profile on a user through their
browsing habits such as sites they visit, articles read, searches made, ads previously clicked on, etc., advertising
companies place ads pertaining to the known information about the user across all websites visited. Behavioral
Advertising also uses data aggregation to place ads on websites that a user may not have shown interest in, but
similar individuals had shown interest in.
Associated term(s): Online Behavioral Advertising, Behavioral Targeting, Contextual Advertising, Demographic
Advertising, Premium Advertising, Psychographic Advertising, Remnant Advertising

11.

Binding Corporate
Rules (BCR)

Legally binding internal corporate privacy rules for transferring personal information within a corporate group. BCRs
are typically used by corporations that operate in multiple jurisdictions, and they are alternatives to the U.S.-EU
Safe Harbor and Model Contract Clauses. BCRs must be approved by the EU data protection authorities of the
member states in which the corporation operates.

12.

Binding Safe
Processor
Rules
(BSPR)

Self-regulatory principles (similar to Binding Corporate Rules) for processors that are applicable to customer personal
data. Once a supplier's BSPR are approved, a supplier gains "safe processor" status and its customers would be able to
meet the EU Data Protection Directive's requirements for international transfers in a similar manner as BCR allow. BSPR
are currently being considered as a concept by the Article 29 Working Party and national authorities.
Associated term(s): Binding Corporate Rules

13.

Breach
Disclosure

The requirement that a data controller notify regulators and victims of incidents affecting the confidentiality and security
of personal data. It is a transparency mechanism highlights operational failures, this helps mitigate damage and aids in
the understanding of causes of failure.
Associated law(s):
1) FCRA,
2) GLBA,
3) HIPAA,
4) various U.S. state laws
Associated term(s): Breach notification

Bring Your
Own Device
(BYOD)

Use of employees' own personal computing devices for work purposes.

15.

California
Investigative
Consumer
Reporting
Agencies
Act (ICRAA)

A California state law that requires employers to notify applicants and employees of their intention to obtain and use a
consumer report.

16.

Case Law

Principles of law that have been established by judges in past decisions. When similar issues arise again, judges look to
the past decisions as precedents and decide the new case in a manner that is consistent with past decisions.

17.

Children's
Online
Privacy
Protection
Act (COPPA)

A U.S. federal law that applies to the operators of commercial websites and online services that are directed to children
under the age of 13. It also applies to general audience websites and online services that have actual knowledge that
they are collecting personal information from children under the age of 13. COPPA requires these website operators: to
post a privacy policy on the homepage of the website; provide notice about collection practices to parents; obtain
verifiable parental consent before collecting personal information from children; give parents a choice as to whether their
child's personal information will be disclosed to third parties; provide parents access and the opportunity to delete the
child's personal information and opt out of future collection or use of the information, and maintain the confidentiality,
security and integrity of personal information collected from children.

14.

Associated term(s): Consumerization of information technology (COIT)

Associated term(s): 15 U.S.C. 6501-6508

Choice

An individual's ability to determine whether or how their personal information may be used or disclosed by the entity that
collected the information. Also, the ability of an individual to limit certain uses of their personal information. For example;
an individual may have choice about whether to permit a company to contact them or share their data with third parties.
Can be express or implied.
Associated term(s): Consent

Closed
Circuit
Television
(CCTV)

Systems of cameras, monitors and recording equipment that are not used for broadcasting but are connected to a
closed network by cables. CCTV is used primarily for video surveillance of premises.

20.

Cloud
Computing

The storage of information on the Internet. Although it is an evolving concept, definitions typically include on-demand
accessibility, scalability, and secure access from almost any location.
Cloud storage presents unique security risks.

21.

Collection
Limitation

A fair information practices principle, it is the principle stating there should be limits to the collection of personal data,
that any such data should be obtained by lawful and fair means and, where appropriate, with the knowledge or consent
of the data subject.

22.

Commercial
Activity

Under PIPEDA, "commercial activity" means any particular transaction, act or conduct, or any regular course of conduct,
that is of a commercial character, including the selling, bartering or leasing of donor, membership or other fundraising
lists. Non-profit associations, unions and private schools are likely to be found to exist outside of this definition.

19.

Associated term(s): Video Surveillance

23.

Commercial
Electronic
Message (CEM)

Any form of electronic messaging, including e-mail, SMS text messages and messages sent via social networking
about which it would be reasonable to conclude its purpose is to encourage participation in a commercial activity.
Examples include electronic messages that offer to purchase, sell, barter or lease products, goods, services, land or
an interest or right in land; offers to provide a business, investment or gaming opportunity; advertises or promotes
anything previously mentioned.

24.

Common Law

Unwritten legal principles that have developed over time based on social customs and expectations.

25.

Communications
Privacy

One of the four classes of privacy, along with information privacy, bodily privacy and territorial privacy. It
encompasses protection of the means of correspondence, including postal mail, telephone conversations, electronic
e-mail and other forms of communicative behavior and apparatus.

26.

Comprehensive
Laws

Laws that govern the collection, use and dissemination of personal information in the public and private sectors.
Associated term(s): Omnibus Laws

27.

Computer
Forensics

The discipline of assessing and examining an information system for relevant clues even after it has been
compromised by an exploit.

28.

Confidentiality

The obligation of an individual, organization or business to protect personal information and not misuse or wrongfully
disclose that information.

29.

Confirmed Opt
In

Confirmed Opt In
An e-mail approach where e-mail marketers send a confirmation e-mail requiring a response from the subscriber
before the subscriber receives the actual marketing e-mail.
Associated term(s): Double Opt In

30.

Consent

This privacy requirement is one of the fair information practices. Individuals must be able to prevent the collection of
their personal data, unless the disclosure is required by law. If an individual has choice (see Choice) about the use
or disclosure of his or her information, consent is the individuals' way of giving permission for the use or disclosure.
Consent may be affirmative; i.e., opt-in; or implied; i.e., the individual didn't opt out. (1) Explicit Consent: A
requirement that an individual "signifies" his or her agreement with a data controller by some active communication
between the parties. According to the EU Data Protection Directive, explicit consent is required for processing of
sensitive information. Further, data controllers cannot infer consent from non-response to a communication. (2)
Implicit Consent: Implied consent arises where consent may reasonably be inferred from the action or inaction of the
individual.
Associated term(s): Choice

31.

Consent Decree

A judgment entered by consent of the parties. Typically, the defendant agrees to stop alleged illegal activity and pay
a fine, without admitting guilt or wrongdoing. This legal document is approved by a judge and formalizes an
agreement reached between a federal or state agency and an adverse party.
Associated term(s): FTC

32.

Consumer
Financial
Protection
Bureau (CFPB)

Created by the Dodd-Frank Act, the consumer financial protection bureau is intended to consolidate the oversight of
the financial industry. It is an independent bureau within the Federal Reserve and when it was created CFPB took
rule-making authority over FCRA and GLBA regulations from the FTC and Financial Industry Regulators. Its
enforcement powers include authority to take action against "abusive acts and practices" as specified by the DoddFrank Act.
Associated law(s):Dodd-Frank Act, Gramm-Leach-Bliley Act, Fair Credit Reporting Act, Federal Trade Commission

33.

CONSUMER
Reporting
Agency (CRAs)

Any person or entity that complies or evaluates personal information for the purpose of furnishing consumer reports
to third parties for a fee.
Associated term(s): CREDIT Reporting Agency

34.

Cookie

A small text file stored on a client machine that may later be retrieved by a web server from the machine.
Cookies:
1. allow web servers to keep track of the end user's browser activities, and connect individual web requests into a
session.
2. can also be used to prevent users from having to be authorized for every password protected page they access
during a session by recording that they have successfully supplied their user name and password already.
Cookies may be referred to as
i(a). "first-party" (if they are placed by the website that is visited); or
i(b). "third-party" (if they are placed by a party other than the visited website).
ii(a). "session cookies" if they are deleted when a session ends; or
ii.(b) "persistent cookies" if they remain longer.
Associated term(s): First-Party Cookie, Persistent Cookie, Session Cookie, Third-Party Cookie, Tracking Cookie, Web
Cookie

35.

Credit Freeze

A consumer-initiated security measure which locks an individual's data at consumer reporting agencies. Is used to
prevent identity theft, as it disallows both reporting of data and issuance of new credit.

36.

Credit
Reporting
Agency (CRA)

Under the Fair Credit Reporting Act, any organization that regularly engages in assembling or evaluating consumer
credit information or other information on consumers for the purpose of furnishing consumer reports to third parties for a
fee.
Associated term(s): Consumer reporting agency
Associated law(s): FCRA

37.

Customer
Access

A customer's ability to access the personal information collected on them as well as review, correct or delete any
incorrect information.

38.

Customer
Information

In
1.
2.
3.

39.

Data Breach

The unauthorized acquisition of computerized data that compromises the security, confidentiality, or integrity of
personal information maintained by a data collector. Breaches do not include good faith acquisitions of personal
information by an employee or agent of the data collector for a legitimate purpose of the data collectorprovided the
personal information is not used for a purpose unrelated to the data collector's business or subject to further
unauthorized disclosure.

contrast to employee information, customer information includes data relating to the clients of
private-sector organizations,
patients within the healthcare sector, and
the general public within the context of public-sector agencies that provide services.

Associated term(s): Breach, Privacy Breach (Canadian)

Data
Classification

A scheme that provides the basis for managing access to, and protection of, data assets.

41.

Data
Controller

An entity that has the authority over the processing of personal information. This entity is the focus of most obligations
under privacy and data protection laws. It controls the use of personal data by determining the purposes for its use and
the manner in which the data will be processed. The data controller may be an individual or an organization that is
legally treated as an individual, such as a corporation or partnership.
Associated term(s): Data Processor

42.

Data
Elements

The different types of personal information processed by data processors. Typical data elements include name, date of
birth and numerical identifiers. Organizational data elements tied to both individuals as well as organizations include
business addresses, business phone numbers, business e-mail addresses and related information.

43.

Data
Matching

An activity that involves comparing personal data obtained from a variety of sources, including personal information
banks, for the purpose of making decisions about the individuals to whom the data pertains.

44.

Data
Processing

Any operation or set of operations which is performed on personal data, such as collecting; recording; organizing;
storing; adapting or altering; retrieving; consulting; using; disclosing by transmission, dissemination or otherwise making
the data available; aligning or combining data, or blocking, erasing or destroying data. Not limited to automatic means.
Associated term(s): Data Processor, Processing, Processor

45.

Data
Processor

An individual or organization that processes data on behalf of the data controller. Although they are often third-party
providers, a data controller can also be a data processor.
Associated term(s): Data Controller, Processor

46.

Data Quality

A fair information practices principle, it is the principle that personal data should be relevant to the purposes for which it
is to be used, and, to the extent necessary for those purposes, should be accurate, complete and kept up-to-date. The
quality of data is judged by four criteria: Does it meet the business needs?; Is it accurate?; Is it complete?, and is it
recent? Data is of an appropriate quality if these criteria are satisfied for a particular application.

47.

Data
Recipient

A natural or legal person, public authority, agency or any other body which processes personal data on behalf of the
data controller.

48.

Data Subject

The individual about whom information is being processed, such as the patient at a medical facility, the employee of a
company or the customer of a retail store.

49.

Deidentification

An action that one takes to remove identifying characteristics from data. De-identified data is information that does not
actually identify an individual. Some laws require specific identifiers to be removed (See HIPAA 165.514(b)(2)). Hashing
is not enough to de-identify data.
Associated term(s): Anonymization, Anonymized Data, Deidentified Data, Pseudonymization, Pseudonymized Data, ReIdentification, Anonymous Data

50.

Deceptive
Trade
Practices

In the context of U.S. federal law, a term associated with corporate entities who mislead or misrepresent products or
services to consumers and customers. These practices are regulated in the U.S. by the Federal Trade Commission at
the federal level and typically by an attorney general or office of consumer protection at the state level. Law typically
provides for both enforcement by the government to stop the practice and individual actions for damages brought by
consumers who are hurt by the practices.
Associated term(s): Unfair Trade Practices
Associated law(s): U.S. Federal Trade Commission Act

51.

Defamation

Common law tort which focuses on a false or defamatory statement, defined as a communication tending "so to harm
the reputation of another as to lower him in the estimation of the community or to deter third persons from associating
or dealing with him."
Associated term(s): Common Law

52.

Digital
Fingerprinting

The use of log files to identify a website visitor. It is often used for security and system maintenance purposes. Log
files generally include: the IP address of the visitor; a time stamp; the URL of the requested page or file; a referrer
URL, and the visitor's web browser, operating system and font preferences. In some cases, combining this information
can be used to "fingerprint" a device. This more detailed information varies enough among computing devices that two
devices are unlikely to be the same. It is used as a security technique by financial institutions and others initiating
additional security assurances before allowing users to log on from a new device. Some privacy enforcement agencies;
however, have questioned what would constitute sufficient notice and consent for digital fingerprinting techniques to be
used for targeted advertising.
Associated term(s): Biometric Data, Authentication, Authorization

53.

Digital
Signature

A means for ensuring the authenticity of an electronic document, such as an e-mail, text file, spreadsheet or image file.
If anything is changed in the electronic document after the digital signature is attached, the signature is rendered
invalid.
Associated term(s): Authentication, Encryption

54.

Direct
Marketing

When the seller directly contacts an individual, in contrast to marketing through mass media such as television or radio.

55.

Do Not Track
(DNT)

A proposed regulatory policy, similar to the existing Do Not Call Registry in the United States, which would allow
consumers to opt out of web-usage tracking.

56.

Do-Not-Call
IMPLEMENTATION
Act of 2003

Grants to the Federal Trade Commission (FTC) the authority to create the National Do-Not-Call Registry in the
United States. The registry is open to all consumers, allowing them to place their phone numbers on a national list
which makes it illegal for telemarketers to make unsolicited calls to those numbers, the only exceptions being for
political activities and non-profit organizations. Originally consumers would have to re-register their numbers with
the FTC every 5 years for continued prevention, but the Do-Not-Call Improvement Act of 2007 extended registration
indefinitely. Violations can be enforced by the FTC, Federal Communications Commission, and state attorneys
general with up to a $16,000 fine per violation.
Associated term(s): Federal Trade Commission, Federal Communication Commission, Do-Not-Call Improvement Act,
National Do-Not-Call Registry

57.

Do-Not-Call
IMPROVEMENT
Act of 2007

Amending the Do-Not-Call Implementation Act to remove the re-registration requirement. Originally registration with
the National Do-Not-Call Registry ended after 5 years, but with this act the registrations became permanent.
Associated term(s): Federal Trade Commission, Federal Communication Commission, Do-Not-Call Implementation
Act, National Do-Not-Call Registry

58.

Dodd-Frank Wall
Street Reform and
Consumer
Protection Act

In 2010 the U.S. Congress passed the Dodd-Frank Act to reorganize and improve financial regulation. Among other
reforms it put in place, the Dodd-Frank Act created the Consumer Financial Protection Bureau and granted it rulemaking authority over FCRA and GLBA as well as a few other regulations.
Associated law(s): Gramm-Leach-Bliley Act, Fair Credit Reporting Act, Consumer Financial Protection Bureau

59.

Electronic
Communications
Privacy Act of
1986 (ECPA)

The collective name of the Electronic Communications Privacy and Stored Wire Electronic Communications Acts,
which updated the Federal Wiretap Act of 1968. ECPA, as amended, protects wire, oral and electronic
communications while those communications are being made, are in transit, and when they are stored on
computers. The act applies to e-mail, telephone conversations and data stored electronically. The USA PATRIOT
Act and subsequent federal enactments have clarified and updated ECPA in light of the ongoing development of
modern communications technologies and methods, including easing restrictions on law enforcement access to
stored communications in some cases.
Associated law(s): Stored Communications Act, Stored Wire Electronic Communications Act, USA Patriot Act

60.

Electronic
Discovery

Prior to trial, information is typically exchanged between parties and their attorneys. E-discovery requires civil
litigants to turn over large volumes of a company's electronic records in litigation.
Associated term(s): Electronically stored information (ESI), Sedona Conference
Associated law(s): Federal Rules of Civil Procedure

61.

Electronic Health
Record (EHR)

A computer record of an individual's medical file that may be shared across multiple healthcare settings. In some
cases this sharing can occur by way of network-connected enterprise-wide information systems and other
information networks or exchanges. EHRs may include a range of data including demographics, medical history,
medication and allergies, immunization status, laboratory test results, radiology images, vital signs, personal stats
such as age and weight and billing information. Their accessibility and standardization can facilitate large-scale
data collection for researchers.
Associated law(s): HIPAA, HITECH

62.

Electronic
Surveillance

Monitoring through electronic means; i.e., video surveillance, intercepting communications, stored communications
or location based services.
Associated law(s): Electronic Communications Privacy Act, Stored Communications Act, Wiretap Act

63.

Employee
Information

Personal information reasonably required by an organization that is collected, used or disclosed solely for the
purposes of establishing, managing or terminating; (1) an employment relationship, or (2) a volunteer work
relationship between the organization and the individual but does not include personal information about the
individual that is unrelated to that relationship.

64.

Employment at
Will

An employment contract that can be terminated at any time for any reason by either the employer or the employee.

65.

Equal
Employment
Opportunity
Commission,
The (EEOC)

An independent U.S. federal agency that enforces laws against workplace discrimination. The EEOC investigates
discrimination complaints based on an individual's race, color, national origin, religion, sex, age, perceived intelligence,
disability and retaliation for reporting and/or opposing a discriminatory practice. It is empowered to file discrimination
suits against employers on behalf of alleged victims and to adjudicate claims of discrimination brought against federal
agencies.

66.

Established
Business
Relationship

An exemption to the Do Not Call (DNC) registry, a marketer may call an individual on the DNC registry if a prior or
existing relationship formed by a voluntary two-way communication between a person or entity and a residential
subscriber with or without an exchange of consideration, on the basis of an inquiry, application, purchase or transaction
by the residential subscriber regarding products or services offered by such person or entity, which relationship has not
been previously terminated by either party.
Associated term(s): Established customer relationship

67.

EU Data
Protection
Directive

Several directives deal with personal data usage in the EU, but the most overarching is the general policy approved by
the European Commission in 1995 (95/46EC) which protects individuals' privacy and personal data use. The Directive
was adopted in 1995, became effective in 1998 and protects individuals' privacy and personal data use. The Directive
recognizes the European view that privacy is a fundamental human right and establishes a general comprehensive legal
framework that is aimed at protecting individuals and promoting individual choice regarding the processing of personal
data. The Directive imposes an onerous set of requirements on any person that collects or processes data pertaining to
individuals in their personal or professional capacity. It is based on a set of data protection principles, which include the
legitimate basis, purpose limitation, data quality, proportionality and transparency principles, data security and
confidentiality, data subjects' rights of access, rectification, deletion and objection, restrictions on onwards transfers,
additional protection where special categories of data and direct marketing are involved and a prohibition on automated
individual decisions. The Directive applies to all sectors of industry, from financial institutions to consumer goods
companies, and from list brokers to any employer. The Directive's key provisions impose severe restrictions on personal
data processing, grant individual rights to "data subjects" and set forth specific procedural obligations including
notification to national authorities. This was followed in 1997 by a more specific directive for the telecom sector
(97/66/EC), which was replaced in mid-2002 by the European institutions to adapt it to new technologies and business
practices (2002/58/EC). The Directive has been supplemented by additional directives including a specific provision for
e-commerce.
There is currently a proposal from the European Commission for a General Data Protection Regulation that would
supersede the directive if passed. More information is available on the IAPP Resource Center here.
Associated term(s): Data Protection Directive

68.

EU-U.S. Safe
Harbor
Agreement

An agreement between the EU and U.S. under which data may be exported to the U.S. in compliance with the EU
Directive on Data Protection. Within a safe harbor agreement a data processor must abide by seven principles that and
self-certify the compliance with to the Department of Commerce. These principles are notice, choice, consent to onward
transfer, security, integrity, access, and enforcement. Certifying oneself as abiding by the Safe Harbor Framework
without full compliance may be considered a deceptive trade practice under section 5 of the FTC Act.
Associated term(s): Safe Harbor

69.

European
Commission

The executive body of the European Union. Its main function is to implement the EU's decisions and policies, along with
other functions. It is also responsible for making adequacy determinations with regard to data transfers to third-party
countries.

70.

Fair and
Accurate
Credit
Transactions
Act of 2003
(FACTA aka
FACT Act)

An expansion of the Fair Credit Reporting Act which focuses on consumer access and identity theft prevention. The act
mandates that credit reporting agencies allow consumers to obtain a free credit report once every twelve months.
Additionally, it allows consumers to request alerts when a creditor suspects identity theft and gave the Federal Trade
Commission (FTC) authority to promulgate rules to prevent identity theft. The FTC used the authority to create the Red
Flags Rule.
Associated term(s): Red Flags Rule
Associated law(s): Fair Credit Reporting Act

71.

Fair Credit
Reporting
Act, The
(FCRA)

One of the oldest U.S. federal privacy laws still in force today. It was enacted in 1970 to mandate accurate and relevant
data collection, give consumers the ability access and correct their information, and limit the use of consumer reports to
permissible purposes, such as employment and extension of credit or insurance.
Associated law(s): Fair and Accurate Credit Transactions Act of 2003 (FACTA)

72.

Federal
Communications
Commission
(FCC)

The United States agency that regulates interstate communications through radio, wire, telecommunications, satellite
and cable. The Federal Communications Commission (FCC) has authority that overlaps with the Federal Trade
Commission in some areas of privacy law including enforcement and further regulation under the Telephone
Consumer Protection Act.
Associated term(s): Federal Trade Commission, Do-Not-Call Implementation Act, Do-Not-Call Improvement Act,
Telephone Consumer Protection Act, Junk Fax Prevention Act

73.

Federal Trade
Commission
(FTC)

The United States' primary consumer protection agency, the FTC collects complaints about companies, business
practices and identity theft under the FTC Act and other laws that they enforce or administer. Importantly, the FTC
brings actions under Section 5 of the FTC Act, which prohibits unfair and deceptive trade practices.
Associated law(s): FTC Act

74.

Final Health
Breach
Notification Rule

A rule, promulgated under HITECH, requiring vendors of personal health records and related entities to notify
consumers when the security of their individually identifiable health information has been breached.
Associated law(s): HITECH

75.

Financial
Industry
Regulatory
Authority
(FINRA)

A corporation that acts as a regulator for brokerage firms and exchange markets. Its primary charge is to make sure
that security exchange markets, such as the New York Stock Exchange, operate fairly and honestly and to protect
investors. Although it is a non-governmental regulator, ultimately it is subject to the regulations of the Securities and
Exchange Commission along with the rest of the security exchange industry.
Associated law(s): Dodd-Frank Act, Gramm-Leach-Bliley Act

Financial
Institutions
Reform,
Recovery, and
Enforcement Act
of 1989, The
(FIRREA)

After the savings and loans crisis of the 1980s, the U.S Congress passed FIRREA to enable financial regulators to
levy penalties up to $5,000,000 for failure to comply with regulations. These penalties can be levied if a Financial
institution fails to comply with the information privacy requirements contained in GLBA.

77.

Freedom of
Information Act,
The (FOIA)

A U.S. federal law that ensures citizen access to federal government agency records. FOIA only applies to federal
executive branch documents. It does not apply to legislative or judicial records. FOIA requests will be fulfilled unless
they are subject to nine specific exemptions. Most states have some state level equivalent of FOIA. The federal and
most state FOIA statutes include a specific exemption for personal information so that sensitive data (such as
Social Security numbers) are not disclosed.

78.

GET Method

The GET and POST HTML method attributes specify how form data is sent to a web page. The GET method appends
the form data to the URL in name/value pairs allowing passwords and other sensitive information collected in a form
to be visible in the browser's address bar, and is thus less secure than the POST method.

76.

Associated law(s): Gramm-Leach-Bliley Act

Associated term(s): POST Method

Global Privacy
Enforcement
Network (GPEN)

GPEN aims to promote cross-border information sharing as well as investigation and enforcement cooperation among
privacy authorities around the world. Another cross-border enforcement cooperation effort is the Asia-Pacific
Economic Cooperation

80.

Gramm-LeachBliley Act
(GLBA)

The commonly used name for The Financial Services Modernization Act of 1999. The act re-organized financial
services regulation in the United States and applies broadly to any company that is "significantly engaged" in
financial activities in the U.S. In its privacy provisions, GLBA addresses the handling of non-public personal
information, defined broadly to include a consumer's name and address, and consumers' interactions with banks,
insurers and other financial institutions. GLBA requires financial institutions to securely store personal financial
information; give notice of their policies regarding the sharing of personal financial information, and give consumers
the ability to opt out of some sharing of personal financial information.

81.

Health
Information
Technology for
Economic and
Clinical Health
Act, The (HITECH)

Enacted as part of the American Recovery and Reinvestment Act of 2009, the HITECH Act, among other
objectives, further addresses privacy and security issues involving PHI as defined by HIPAA. The HITECH privacy
provisions include the introduction of categories of violations based on culpability that, in turn, are tied to tiered
ranges of civil monetary penalties. Its most noteworthy elements elaborate upon breach notifications resulting from
the use or disclosure of information that compromises its security or privacy.
Related term(s): EHR
Associated law(s): HIPAA

82.

Health Insurance
Portability and
Accountability
Act, The (HIPPA)

A U.S. law passed to create national standards for electronic healthcare transactions, among other purposes.
HIPAA required the U.S. Department of Health and Human Services to promulgate regulations to protect the privacy
and security of personal health information. The basic rule is that patients have to opt-in before their information
can be shared with other organizationsalthough there are important exceptions such as for treatment, payment
and healthcare operations.

83.

Information Life
Cycle

Collection, processing, use, disclosure, retention, and destruction.

84.

Information
Privacy

One of the four classes of privacy, along with territorial privacy, bodily privacy, and communications privacy. The
claim of individuals, groups or institutions to determine for themselves when, how and to what extent information
about them is communicated to others.

85.

Information
Security

The protection of information for the purposes of preventing loss, unauthorized access and/or misuse. It is also the
process of assessing threats and risks to information and the procedures and controls to preserve confidentiality,
integrity and availability of information.

86.

Junk Fax
Prevention Act of
2005

Creates the Existing Business Relationship exception to the Telephone Consumer Priotection Act's ban of faxbased marketing without consent but contains a requirement that all marketing faxes be accompanied by
instructions on how to opt-out of further unsolicited communications.
Associated term(s): Federal Trade Commission, Federal Communication Commission, Telephone Consumer
Protection Act

87.

Jurisdiction

The authority of a court to hear a particular case. Courts must have jurisdiction over both the parties to the dispute
(personal jurisdiction) and the type of dispute (subject matter jurisdiction). The term is also used to denote the
geographical area or subject-matter to which such authority applies.

88.

Location-Based
Service (LBS)

Services that utilize information about location to deliver, in various contexts, a wide array of applications and
services, including social networking, gaming and entertainment. Such services typically rely upon GPS, RFID or
similar technologies in which geolocation is used to identify the real-world geographic location of an object, such as
a cell phone or an Internet-connected computer terminal.
Associated term(s): Geolocation; GPS; Global Positioning System; RFID

89.

Medical
Information

Information or records obtained, with the consent of the individual to whom it relates, from licensed physicians or
medical practitioners, hospitals, clinics or other medical or medically related facilities.
Associated term(s): HIPAA

90.

Minimum
Necessary
REQUIREMENT

Under HIPAA, the standard that the level of information that may be disclosed by healthcare providers to third
parties is the minimum amount necessary to accomplish the intended purpose.
Associated term(s): Minimum Necessary STANDARD
Associated law(s): HIPAA

91.

Multi-Factor
Authentication

The authentication of a user by multiple means. This is typically accomplished by a requirement for both a password
and at least one other form of authentication such as a pass card, biometric scan or an "out of band" means such
as a phone call.
Associated term(s): Two-Factor Authentication; Two-Step Authentication

92.

National
Do-Not-Call
Registry

Allows U.S. consumers to place their phone number on a national list, preventing calls from unsolicited telemarketers. This
registration is now permanent and can be enforced by the Federal Trade Commission, Federal Communication Commission
(FCC) and state attorneys general with up to a $16,000 fine per violation. Cell phones are protected from any unsolicited
automatic-dialed calls through other FCC regulations.
Associated term(s): Federal Trade Commission, Federal Communication Commission, Do-Not-Call Implementation Act, DoNot-Call Improvement Act

93.

94.

National
Labor
Relations
Board, The
(NLRB)

A U.S. federal agency that administers the National Labor Relations Act. The board conducts elections to determine if
employees want union representation and investigates and remedies unfair labor practices by employers and unions.

National
Security
Letter
(NSL)

A category of subpoena. The USA PATRIOT Act expanded the use of NSLs. Separate and sometimes differing statutory
provisions now govern access, without a court order, to communication providers, financial institutions, consumer credit
agencies and travel agencies.

Associated law(s): NLRA

Associated law(s): USA-PATRIOT Act

Negligence

An organization will be liable for damages if it breaches a legal duty to protect personal information and an individual is
harmed by that breach.
Associated term(s): Private Right of Action

96.

Non-Public
Personal
Information
(NPI)

Is defined by GLBA as personally identifiable financial information (i) provided by a consumer to a financial institution, (ii)
resulting from a transaction or service performed for the consumer, or (iii) otherwise obtained by the financial institution.
Excluded from the definition are (i) publicly available information and (ii) any consumer list that is derived without using
personally identifiable financial information.
Associated law(s): GLBA

97.

OECD
Guidelines

(1)The Collection Limitation Principle. There should be limits to the collection of personal data and any such data should
be obtained by lawful and fair means and, where appropriate, with the knowledge or consent of the data subject. (2)The
Data Quality Principle. Personal data should be relevant to the purposes for which they are to be used, and, to the extent
necessary for those purposes, should be accurate, complete and kept up-to-date. (3)The Purpose Specification Principle.
The purposes for which personal data are collected should be specified not later than at the time of data collection and
the subsequent use limited to the fulfillment of those purposes or such others as are not incompatible with those purposes
and as are specified on each occasion of change of purpose. (4)The Use Limitation Principle. Personal data should not be
disclosed, made available or otherwise used for purposes other than those specified in accordance with Paragraph 8
(below) except a) with the consent of the data subject; or b) by the authority of law. (5)The Security Safeguards Principle.
Personal data should be protected by reasonable security safeguards against such risks as loss or unauthorized access,
destruction, use, modification or disclosure of data. (6)The Openness Principle. There should be a general policy of
openness about developments, practices and policies with respect to personal data. Means should be readily available of
establishing the existence and nature of personal data, and the main purposes of their use, as well as the identity and
usual residence of the data controller. (7)The Individual Participation Principle. An individual should have the right: a) to
obtain from a data controller, or otherwise, confirmation of whether or not the data controller has data relating to him; b) to
have data relating to him communicated to him, within a reasonable time, at a charge, if any, that is not excessive; in a
reasonable manner; and in a form that is readily intelligible to him; c) to be given reasons if a request made under
subparagraphs (a) and (b) is denied, and to be able to challenge such denial, and d) to challenge data relating to him and,
if the challenge is successful to have the data erased, rectified, completed or amended.(8) The Accountability Principle. A
data controller should be accountable for complying with measures which give effect to the principles stated above.

98.

Omnibus
Laws

Laws in which the government has defined requirements throughout the economy including public-sector, private-sector
and health-sector.

99.

Online
Behavioral
Advertising

Websites or online advertising services that engage in the tracking or analysis of search terms, browser or user profiles,
preferences, demographics, online activity, offline activity, location data, etc., and offer advertising based on that
tracking.

100.

Opt-In

Opt-In
One of two central concepts of choice. It means an individual makes an active affirmative indication of choice; i.e.,
checking a box signaling a desire to share his or her information with third parties.
Associated term(s): Choice; Consent; Opt-Out

101.

Opt-Out

One of two central concepts of choice. It means that an individual's lack of action implies that a choice has been
made; i.e., unless an individual checks or unchecks a box, his or her information will be shared with third parties.
Associated term(s): Choice; Consent; Opt-In

102.

Organization
for Economic
Cooperation
and
Development
(OECD)

An international organization that promotes policies designed to achieve the highest sustainable economic growth,
employment and a rising standard of living in both member and non-member countries, while contributing to the world
economy.

103.

Outsourcing

Contracting business processes, such as the processing of personal information, to a third party.

104.

PCI Data
Security
Standard
(PCI-DSS)

A self-regulatory system that provides an enforceable security standard for payment card data. The rules were drafted
by the Payment Card Industry Security Standards Council, which built on previous rules written by the various credit
card companies. Except for small companies, compliance with the standard requires hiring a third party to conduct
security assessments and detect violations. Failure to comply can lead to exclusion from Visa, MasterCard or other
major payment card systems, as well as penalties.

105.

Perimeter
Controls

Technologies and processes that are designed to secure an entire network environment by preventing penetration
from the outside.
Associated term(s): Intrusion Detection Systems (IDS), Intrusion Prevention Systems (IPS), Internet Protocol Security
(IPSEC), Secure Sockets Layer (SSL)

106.

Personal Data

Any information relating to an identified or identifiable natural person; an identifiable person is one who can be
identified, directly or indirectlyin particular by reference to an identification number or to one or more factors specific
to his physical, physiological, mental, economic, cultural or social identity.
Associated term(s): Personal Information; Personally Identifying Information; Personally Identifiable Information

107.

Personal
Information
(PI)

May refer to either a generic term for information, or an EU term for such information. In the U.S., such information
may be referred to as Personally Identifiable Information
Associated term(s): Personal Data; Personally Identifying Information; Personally Identifiable Information

108.

Polygraph

A device used for the purpose of rendering a diagnostic opinion regarding an individual's honesty.
Associated term(s): Lie Detector
Associated law: Employee Polygraph Protection Act of 1988 (EPPA)

109.

POST Method

The GET and POST HTML method attributes specify how form data is sent to a web page. The POST method is more
secure than GET as the GET method appends the form data to the URL allowing passwords and other sensitive
information collected in a form to be visible in the browser's address bar.
Associated term(s): GET Method

110.

Preemption

A superior government's ability to have its law(s) supersede those of an inferior government. For example, the U.S.
federal government has mandated that no state government can regulate consumer credit reporting.

111.

Privacy
Assessment

An assessment of an organization's compliance with its privacy policies and procedures, applicable laws, regulations,
service-level agreements, standards adopted by the entity and other contracts. The assessment or audit measures how
closely the organization's practices align with its legal obligations and stated practices and may rely on subjective
information such as employee interviews/questionnaires and complaints received, or objective standards, such as
information system logs or training and awareness attendance and test scores. Audits and assessments may be
conducted internally by an audit function or by external third parties. It is also common in some jurisdictions for the
privacy/data protection officer to conduct assessments. The results of the assessment or audit are documented for
management sign-off, and analyzed to develop recommendations for improvement and a remediation plan. Resolution of
the issues and vulnerabilities noted are then monitored to ensure appropriate corrective action is taken on a timely
basis. While assessments and audits may be conducted on a regular or scheduled basis, they may also arise ad hoc as
the result of a privacy or security event or due to a request from an enforcement authority.

112.

Privacy by
Design
(PbD)

The concept that organizations need to build privacy directly into technology, systems and practices at the design
phase, thereby ensuring the existence of privacy from the outset. Originating in the mid-1990s by the Information and
Privacy Commissioner of Ontario, the principle has gained recognition around the globe, including from the U.S. Federal
Trade Commission and the European Commission. Privacy by Design consists of seven foundational principles: (1)
Proactive not Reactive; Preventative not Remedial. Privacy by Design anticipates and prevents privacy invasive events
before they happen, rather than waiting for privacy risks to materialize; (2) Privacy as the Default Setting. No action is
required by individuals to maintain their privacy; it is built into the system by default. This concept has been introduced
in the European Commission's draft regulation to reform data protection. (3) Privacy Embedded into Design. Privacy is
an essential component of the core functionality being designed and delivered. The FTC has adopted this principle in its
proposed consumer privacy framework, calling for companies to promote consumer privacy throughout the organization
and at every stage of product development. (4) Full FunctionalityPositive-Sum, not Zero-Sum: Privacy by Design
seeks to accommodate all legitimate interests and objectives, rather than making unnecessary trade-offs. (5) End-toEnd SecurityFull Lifecycle Protection. Strong security measures are essential to privacy, from start to finish of the
lifecycle of data. This is another principle the FTC has adopted in its proposed consumer privacy framework. (6) Visibility
and TransparencyKeep it Open. Privacy by Design seeks to assure all stakeholders that whatever the business
practice or technology involved, it is in fact, operating according to the stated promises and objectives, subject to
independent verification. Its component parts and operations remain visible and transparent, to users and providers
alike. Remember, trust but verify. (7) Respect for User PrivacyKeep it User-Centric. Above all, Privacy by Design
requires architects and operators to keep the interests of the individual uppermost by offering such measures as strong
privacy defaults, appropriate notice, and empowering user-friendly options. Keep it user-centric.

113.

Privacy
Notice

A statement made to a data subject that describes how the organization collects, uses, retains and discloses personal
information. A privacy notice is sometimes referred to as a privacy statement, a fair processing statement or sometimes
a privacy policy. Special privacy notices are also mandated by specific laws such a GLBA and COPPA in the united
states.

114.

Privacy
Officer

An official responsible for the coordination and implementation of all privacy and confidentiality efforts within a
government department or component. This official may be statutorily mandated, as in the Department of Homeland
Security, or appointed by a department or component to handle privacy and other related matters.

115.

Privacy
Policy

An internal statement that governs an organization or entity's handling practices of personal information. It is directed at
the users of the personal information. A privacy policy instructs employees on the collection and the use of the data, as
well as any specific rights the data subjects may have.

116.

Privacy
Rule, The

Under HIPAA, this rule establishes U.S. national standards to protect individuals' medical records and other personal
health information and applies to health plans, healthcare clearinghouses and those healthcare providers that conduct
certain healthcare transactions electronically. The rule requires appropriate safeguards to protect the privacy of personal
health information and sets limits and conditions on the uses and disclosures that may be made of such information
without patient authorization. The rule also gives patients' rights over their health information, including rights to examine
and obtain a copy of their health records and to request corrections.
Associated law: HIPAA

117.

Private
Right of
Action

Unless otherwise restricted by law, any individual that is harmed by a violation of the law can file a lawsuit against the
violator.
Associated term(s): Negligence

118.

Protected
Health
Information
(PHI)

Any individually identifiable health information transmitted or maintained in any form or medium that is held by a covered
entity or its business associate; identifies the individual or offers a reasonable basis for identification; is created or
received by a covered entity or an employer, and relates to a past, present or future physical or mental condition,
provision of healthcare or payment for healthcare to that individual.

119.

Protective
Order

With a protective order, a judge determines what information should not be made public and what conditions apply to
who may access the protected information.
Associated term(s): Redaction

120.

Public
Records

Information collected and maintained by a government entity and available to the general public.

121.

Publicity
Given to
Private Life

A common law tort that states: "One who gives publicity to a matter concerning the private life of another is subject to
liability to the other for invasion of his privacy, if the matter publicized is of a kind that (a) would be highly offensive to
a reasonable person and (b) is not of legitimate concern to the public." (Restatement (Second) of Torts 652D)
Associated term: Common Law

122.

Qualified
Protective
Order (QPO)

Requires that the parties are prohibited from using or disclosing the Personal Healthcare Information (PHI) for any
purpose other than the litigation and that the PHI will be returned or destroyed at the end of the litigation.
Associated law(s): HIPAA
Associated terms: PHI

123.

RadioFrequency
Identification

Technologies that use radio waves to identify people or objects carrying encoded microchips.

124.

Random
Testing

Substance testing sometimes required by law, prohibited in certain jurisdictions, but acceptable where used on existing
employees in specific, narrowly defined jobs, such as those in highly regulated industries where the employee has a
severely diminished expectation of privacy or where testing is critical to public safety or national security.
Associated term(s): Substance Testing

125.

Reidentification

The process of using publicly available information to re-associate personally identifying information with data that has
been anonymized.
Associated term(s): Deidentification; Anonymization; Anonymous Data, Pseudonymous Data

126.

Reasonable
Suspicion

A determining factor in substance testing where testing is allowed as a condition of continued employment if there is
"reasonable suspicion" of drug or alcohol use based on specific facts as well as rational inferences from those facts;
i.e., appearance, behavior, speech, odors.
Associated term(s): Substance Testing

127.

Rectification

Closely intertwined with access, rectification is the right or ability of a data subject to correct erroneous information that
is stored about them. The right is provided by the EU Data Protection Directive and the American Fair Credit Reporting
Act, among other laws.
Associated term(s): Access
Associated law(s): EU Data Protection Directive; FCRA

128.

Red Flags
Rule

A regulation created by the Federal Trade Commission (FTC) under the authority of the Fair and Accurate Credit
Transactions Act of 2003. This regulation requires financial institutions and creditors to implement measures to detect
and prevent identity theft. The original FTC rule was circumscribed by the Red Flag Program Clarification Act of 2010,
which limited the definition of "creditors" to exclude any creditor "that advances funds on the behalf of a person for
expenses incidental to a service." The act in effect allowed lawyers, some doctors and other service type companies to
avoid implementing Red Flag credit measures.
Associated term(s): Federal Trade Commission
Associated law(s): Fair and Accurate Credit Transactions Act of 2003

129.

Redaction

The practice of identifying and removing or blocking information from documents being produced pursuant to a discovery
request or as evidence in a court proceeding. Specifically, attorneys are required to redact documents so that no more
than the following information is included in court filings: (1) The last four digits of the Social Security number and
taxpayer-identification number; (2) the year of the individual's birth; (3) if the individual is a minor, only the minor's initials,
and (4) the last four digits of the financial account number.
Associated term(s): Protective Orders

130.

Retention

Within the information lifecycle the concept that organizations should retain personal information only as long as
necessary to fulfill the stated purpose.

131.

Right of
Access

Generally, the right of individuals to obtain data about themselves from data controllers upon request. The right is
accorded under Article 12 of the Data Protection Directive, although member states are afforded some latitude to
implement the rule. In Canada, the right is provided by PIPEDA. In the U.S., The Privacy Act provides only U.S. Citizens
and lawful permanent residents right of access to their own records, whereas FOIA provides a general right of access to
agency records for any requester seeking access to such records.

132.

SarbanesOxley Act
(SOX)

An example of a U.S. whistle-blower law, companies regulated by the law must establish a way for the company to
confidentially receive and deal with complaints about actual or potential fraud from misappropriation of assets and/or
material misstatements in financial reporting.
Related term(s): Whistle-Blowing

133.

Seal
Programs

Programs that require participants to abide by codes of information practices and submit to monitoring to ensure
compliance. In return, companies that abide by the terms of the seal program are allowed to display the programs seal on
their website.
Associated term(s): Self-regulatory Model, WebTrust

134.

Secret Key

"A cryptographic key used with a secret key cryptographic algorithm, uniquely associated with one or more entities and
which shall not be made public. The use of the term 'secret' in this context does not imply a classification level, rather
the term implies the need to protect the key from disclosure or substitution." (Federal Information Processing Standards
Publication 140-1, Security Requirements for Cryptographic Modules)

135.

Sedona
Conference

An important source of standards and best practices for managing electronic discovery compliance through data retention
policies. Regarding e-mail retention, the Sedona Conference offers four key guidelines: (1) E-mail retention policies should
be administered by interdisciplinary teams composed of participants across a diverse array of business units; (2) such
teams should continually develop their understanding of the policies and practices in place and identify the gaps between
policy and practice; (3) interdisciplinary teams should reach consensus as to policies while looking to industry standards;
(4) technical solutions should meet and parallel the functional requirements of the organization.
Associated term(s): Data retention, e-Discovery

136.

SelfRegulation
Model, The

Self-regulation refers to stakeholder-based models for ensuring privacy. The term "self-regulation" can refer to any or all
of three pieces: legislation, enforcement and adjudication. Legislation refers to question of who defines privacy rules. For
self-regulation, this typically occurs through the privacy policy of a company or other entity, or by an industry
association. Enforcement refers to the question of who should initiate enforcement action. Actions may be brought by
data protection authorities, other government agencies, industry code enforcement or, in some cases, the affected
individuals. Finally, adjudication refers to the question of who should decide whether an organization has violated a
privacy rule. The decision maker can be an industry association, a government agency or a judicial officer. These
examples illustrate that the term "self-regulation" covers a broad range of institutional arrangements. For a clear
understanding of data privacy responsibilities, privacy professionals should consider who defines the requirements, which
organization brings enforcement action and who actually makes the judicial decisions.
Associated term(s): Comprehensive Laws, Co-regulatory Model, Online Privacy Alliance, Sectoral Laws, Seal Programs,
Technology Based Model

137.

Semayne's
Case

A case recognized as establishing the "knock-and-announce rule," an important concept relating to privacy in one's home
and Fourth Amendment search and seizure jurisprudence.

138.

Smart Grid

An energy system that manages electricity consumption through continuous monitoring, remote computerization and
automation. The traditional electric transmission system required physically sending workers into the field to periodically
read customer meters and find where problems existed in the grid. Smart grid operators; however, can remotely monitor
and control the use of electricity to each home or business.

139.

SPAM

Unsolicited commercial e-mail.

140.

Special
Categories of
Data

An EU term describing sensitive personal information, namely information pertaining to racial or ethnic origin,
political opinions, religious or philosophical beliefs, trade-union membership and the processing of data concerning
health or sex life.
Associated term(s): Sensitive Personal Data

141.

Standard Model
Clauses

With the understanding that not all countries and businesses will meet the stringent standards set forth by the
European Data Protection Directive, Article 26 of the Directive provides European Data Controllers the ability to
contract around the inadequacies of a third party's data protection policy. Section 4 of Article 26 allows the
European Commission to issue standard language contract clauses which can be inserted into contracts with third
party controllers/processers who do not meet European Standards otherwise. These clauses contain requirements
which the European Commission has found to be "adequate safeguards with respect to the protection of privacy and
fundamental rights and freedoms."
Associated term(s): European Data Protection Directive

142.

Stored
Communications
Act (SCA)

The Stored Communications Act (SCA) was enacted as part of Electronic Communications Privacy Act in 1986. It
generally prohibits the unauthorized acquisition, alteration or blocking of electronic communications while in
electronic storage in a facility through which an electronic communications service is provided.
Associated law(s): The Electronic Communications Privacy Act of 1986 (ECPA)

143.

Subpoena

A written court order issued in an administrative, civil or criminal action that requires the person named in the
subpoena to appear in court in order to testify under oath on a particular matter which is the subject of an
investigation, proceeding or lawsuit. A subpoena may also require the production of a paper, document or other
object relevant to an investigation, proceeding or lawsuit that discloses personal information.

144.

Substance
Testing

A screening to identify drug use. Substance testing can be used in a variety of settings such as preemployment,
reasonable suspicion, routine testing, post-accident testing or randomly.
Associated terms(s): Americans with Disabilities Act, Random Testing, Reasonable Suspicion

145.

Substitute
Notice

Most legislation recognizes that data breach notifications involving thousands of impacted data subjects could
place an undue financial burden on the organization and therefore allow substitute notification methods. In
Connecticut, for example, "Substitute notice shall consist of the following: (A) Electronic mail notice when the
person, business or agency has an electronic mail address for the affected persons; (B) conspicuous posting of the
notice on the website of the person, business or agency if the person maintains one, and (C) notification to major
state-wide media, including newspapers, radio and television."
Associated term(s): Data Breach

146.

Telephone
Consumer
Protection Act
of 1991 (TCPA)

The first enactment of laws limiting unsolicited and automated telemarketing for both telephone and fax
communications. Most notably the act creates a private right of action for those receiving unsolicited faxes,
carrying a $500 fine per violation and any damages sustained because of the fax. The Telephone Consumer
Protection Act (TPCA) also gives rule-making authority to the Federal Communications Commission, allowing it to
make further regulations in this area. Among other provisions, the act prevents faxing without consent from the
recipient (this requirement was amended by the Junk Fax Prevention Act of 2005 to not include customers with an
existing business relationship) and requires companies to create and honor internal do-not-call registries (in 2003
the National Registry was created by the Federal Trade Commission).
Associated term(s): Junk Fax Protection Act, Federal Communications Commission, Federal Trade Commission

147.

Territorial
Privacy

One of the four classes of privacy, along with information privacy, bodily privacy and communications privacy. It is
concerned with placing limitations on the ability of one to intrude into another individual's environment. Environment
is not limited to the home; it may be defined as the workplace or public space and environmental considerations can
be extended to an international level. Invasion into an individual's territorial privacy typically comes in the form of
video surveillance, ID checks and use of similar technology and procedures.
Associated term(s): Home Privacy

148.

Transfer

Sending personal data cross-border or from one company to another, which is necessary for operation of the company
or for providing a service to a customer.

149.

Transparency

The requirement to be open and honest about manner in, and purposes for, which personal data is used. It is a
fundamental principle in privacy protections and a key concept of the European data protection framework.

150.

U.S.
Department
of Labor
(DOL)

A U.S. federal agency that oversees "the welfare of the job seekers, wage earners and retirees of the United States by
improving their working conditions, advancing their opportunities for profitable employment, protecting their retirement
and healthcare benefits, helping employers find workers, strengthening free collective bargaining and tracking changes
in employment, prices and other national economic measurements." To achieve this mission, the department
administers a variety of federal laws including, but not limited to, the Fair Labor Standards Act (FLSA), the
Occupational Safety and Health Act (OSHA) and the Employee Retirement Income Security Act (ERISA).
Associated laws:
1) FLSA;
2) ERISA;
3) OSHA

151.

Unfair Trade
Practices

Commercial conduct that intentionally causes substantial injury, without offsetting benefits, and that consumers cannot
reasonably avoid.
Associated term(s): Deceptive Trade Practices
Associated law(s): U.S. Federal Trade Commission Act

152.

153.

154.

United States
Department
of Health,
Education,
and Welfare
Fair
Information
Practice
Principles,
The (1973

A code of fair information practices that contained five principles: (1) There must be no personal data record keeping
systems whose very existence is secret. (2) There must be a way for an individual to find out what information about
him (or her) is in a record and how it is used. (3) There must be a way for an individual to prevent information about him
(or her) that was obtained for one purpose from being used or made available for other purposes without his (or her)
consent. (4) There must be a way for an individual to correct or amend a record of identifiable information about him (or
her). (5) Any organization creating, maintaining, using or disseminating records of identifiable personal data must
assure the reliability of the data for their intended use and must take precautions to prevent misuse of the data.

USAPATRIOT Act
(Patriot Act
aka USAPA)

A broad-ranging act designed to counter terrorism that expanded law enforcement authority to surveillance and
capturing communications and records.

Value-Added
Services

A telecommunications industry term for non-core services; i.e., services beyond voice calls and fax transmissions.
More broadly, the term is used in the service sector to refer to services, which are available at little or no cost, and
promote their primary business. For mobile phones, while technologies like SMS, MMS and GPRS are usually
considered value-added services, a distinction may also be made between standard (peer-to-peer) content and
premium-charged content. These are called mobile value-added services (MVAS), which are often simply referred to as
VAS. Value-added services are supplied either in-house by the mobile network operator themselves or by a third-party
value-added service provider (VASP), also known as a content provider (CP) such as All Headline News or Reuters.
VASPs typically connect to the operator using protocols like short message peer-to-peer protocol (SMPP), connecting
either directly to the short message service centre (SMSC) or, increasingly, to a messaging gateway that gives the
operator better control of the content.

Associated term(s): HEW Principles; The HEW Report

Associated term(s): Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and
Obstruct Terrorism Act of 2001; Patriot Act

Associated term(s): MVAS, VASP

Video
Surveillance

Recordings that do not have sound.

156.

Voice Over
Internet
Protocol
(VoIP)

A technology that allows telephone calls to be made over a LAN or the Internet itself. Skype is a well-known example.
VoIP poses the same risk as network-connected PBX systems but also poses the additional risk of data interception
when such data travel over an unsecured connection. VoIP functionality should be encrypted where possible and
equipment monitored with intrusion-detection systems.

157.

WebTrust

Created by the American Institute of Certified Public Accountants (AICPA) and the Canadian Institute of Chartered
Accountants (CICA). It is a self-regulating seal program which licenses qualifying certified public accountants.
Associated term(s): Seal Programs

158.

WhistleBlowing

The reporting of illegal or improper actions within a company by an employee of said company.
Associated terms: Whistleblowing; Whistleblower
Associated laws: Sarbanes Oxley Act