PaymentsJournal
No Result
View All Result
SIGN UP
  • Commercial
  • Credit
  • Debit
  • Digital Assets & Crypto
  • Digital Banking
  • Emerging Payments
  • Fraud & Security
  • Merchant
  • Prepaid
PaymentsJournal
  • Commercial
  • Credit
  • Debit
  • Digital Assets & Crypto
  • Digital Banking
  • Emerging Payments
  • Fraud & Security
  • Merchant
  • Prepaid
No Result
View All Result
PaymentsJournal
No Result
View All Result

Adobe (and Other Un-named Offenders): I Expect Better

By Patricia McGinnis
May 23, 2011
in Mercator Insights
0
0
SHARES
0
VIEWS
Share on LinkedIn
Set of Colorful Cash with wings swiftly fly over a blue globe

Set of Colorful Cash with wings swiftly fly over a blue globe

Consumers routinely click “I agree” when downloading software, updating applications, or accessing online services, often without reading the terms and conditions attached. While this practice has become commonplace, it raises important questions about digital privacy policies and whether users can realistically make informed decisions about the software they use. Lengthy agreements, layered legal documents, and complex digital privacy policies can make it nearly impossible for the average consumer to fully understand what data is being collected, how it is used, and what rights they may be relinquishing.

The challenge extends beyond any single company. As software providers continue to expand their digital ecosystems, transparency and usability have become critical components of consumer trust. When privacy policies and license agreements are difficult to navigate, users may be left accepting terms they neither understand nor meaningfully consent to.

Like millions of Internet users, I often useAdobe Flash®Player for viewing online videos. One day three weeksago, the familiar “update” screen appeared. I was encouraged by theassurance that “Updating takes under a minute on broadband – norestart is required.” I can’t imagine what got into me, except foranalyst-type curiosity piqued by my ongoing research in personaldata privacy. When I came to the box to click indicating “I haveread and agree to the terms of the Flash Player License Agreement”with a link “Read the license here,” I decided to click on the linkand read the license.

Uh-oh.

Forget the “updating in under a minute” part….it took Firefoxseveral minutes (on our office high-speed line) just to downloadand display the 3.3M PDF containing the license agreement. Thedocument is 280 pages, and contains “End User License Agreements”in 32 languages, meaning that my PC also had to load multipleforeign script fonts in order to display it.

OK, I found the seven pages in dense, legalese English, but no wayto signify that I accepted only the English version, nor any way toconfirm that the remaining 271 pages contained exactly the samelicense terms, only translated. Several provisions of the “End UserLicense Agreement” were explicitly subject to the terms of twoadditional documents, the “Privacy Policy” and the “Terms of Use,”each referenced by embedded links.

I won’t bore you (or perhaps alarm you) with the details, but itseems the “Online Privacy Policy” describes policy for the Adobewebsite, rather than the privacy policies embedded in the operationof their software after it has been downloaded. Given numerousexclusions for third party tools, offline activities, etc., Iconclude that I have no idea what Flash Player copies or sends orsaves, nor where or for whom, when it runs on my machine.

Similarly, I followed the link to find the “Terms of Use,” whichextends or supersedes the license agreement in some cases. Thatexcursion produced six more pages of even smaller print, dealingagain with all of the websites or online services of Adobe SystemsIncorporated. Once again, certain provisions incorporated”Additional Terms” for specific products, including Flash products,to be accessed by more clicks on still more menu items in asidebar.

Nearly 90 minutes later, I emerged in a frustrated fog. Havingwaded through at least four layers of linked and embeddeddocuments, I abandoned the effort to understand the terms for whichAdobe requires that I “read and agree to…” I tried, I really did,but in order to proceed, I would have to go back and falsely checkthat harmless-looking little box.

Perhaps before I upgrade again, Adobe will find a way to separateout the documents that relate to its various products. I presumeother users would also greatly appreciate a smoother path throughsomething less than 300 pages of multi-purpose boilerplate, inmultiple documents linked together.

It strikes me as a bad idea that lawyers are able to define theterms of the relationship between the provider and the consumer.Adobe is not alone among many “well-regarded” consumer brands, inoffering individuals virtually no chance to make informed,considered choices about the privacy risks that they face dailywhen they do, in fact, check that seductive little box andaccomplish their upgrade in 60 seconds or less.

For the record – why did I wait three weeks to prepare this commentary? In fact, I wrote a somewhat more detailed draft at the time, and two weeks ago sent it to both Adobe’s privacy officer and to a media relations representative, with a request to discuss it. No response from either source.

Clear communication is essential to building trust between technology providers and consumers. While software companies must address legal and regulatory requirements, overly complex agreements and confusing digital privacy policies can undermine the transparency they are intended to provide. As concerns about data collection and consumer data privacy continue to grow, organizations that simplify digital privacy policies and make consent more meaningful will be better positioned to strengthen customer confidence and support informed decision-making.

0
SHARES
0
VIEWS
Share on LinkedIn
Tags: DebitMerchant AcquiringMobile PaymentsPrepaidSocial Media

    Get the Latest News and Insights Delivered Daily

    Subscribe to the PaymentsJournal Newsletter for exclusive insight and data from Javelin Strategy & Research analysts and industry professionals.

    Must Reads

    cross-border tokenized deposits

    Project Agorá Is Showing Banks Why Tokenized Deposits Matter

    August 28, 2026
    prepaid speed

    How Jumpstarting Gift Card Redemption Can Mitigate Breakage

    August 27, 2026
    ISO and ISV partnerships

    Building a Successful Payments Strategy: How ISOs and ISVs Can Drive Scalable Growth Together

    August 26, 2026
    ACH Network, credit-push fraud, ACH payments growth, ACH Network growth

    Despite Rapid Change, ACH Still Anchors the Payments Industry

    August 25, 2026
    virtual cards

    Virtual Cards Are Poised for a Banner Year in Commercial Payments

    August 24, 2026
    BNPL, BNPL for everyday expenses

    Hard Times, Easy Money: BNPL Now Finances Rent and Utilities

    August 21, 2026
    faster payments fraud prevention

    Beyond Compliance: Rewiring Fraud Prevention for Faster Payments

    August 20, 2026
    embedded finance for banks, instant payments

    Embedded Finance: Banks’ New Growth Channel

    August 19, 2026

    Linkedin-in X-twitter
    • Commercial
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Digital Banking
    • Commercial
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Digital Banking
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    • About Us
    • Advertise With Us
    • Sign Up for Our Newsletter
    • About Us
    • Advertise With Us
    • Sign Up for Our Newsletter

    ©2026 PaymentsJournal.com |  Terms of Use | Privacy Policy

    • Commercial Payments
    • Credit
    • Debit
    • Digital Assets & Crypto
    • Emerging Payments
    • Fraud & Security
    • Merchant
    • Prepaid
    No Result
    View All Result