fix grammar in 2022 posts

1 files changed, 49 insertions, 56 deletions

diff --git a/content/blog/2022-08-31-privacy-com-changes.org b/content/blog/2022-08-31-privacy-com-changes.org
index 7dc86d2..e030b35 100644
--- a/content/blog/2022-08-31-privacy-com-changes.org
+++ b/content/blog/2022-08-31-privacy-com-changes.org
@@ -5,50 +5,46 @@
 
 * Privacy.com Changes Their Terms
 
-Recently, Privacy.com reached out to their customers regarding a change
-in their terms of use. Further, all customers are required to agree to
-the changes in order to continue using their accounts.
+Recently, Privacy.com reached out to their customers regarding a change in their
+terms of use. Further, all customers are required to agree to the changes in
+order to continue using their accounts.
 
-[[https://privacy.com/commercial-cardholder-agreement][You can view the
-new cardholder agreement here]].
+[[https://privacy.com/commercial-cardholder-agreement][You can view the new cardholder agreement here]].
 
-When you log in, you'll be greeted with a pop-up window asking you to
-review and agree to the new terms of use. You will also not be able to
-open any new cards until the terms are agreed to.
+When you log in, you'll be greeted with a pop-up window asking you to review and
+agree to the new terms of use. You will also not be able to open any new cards
+until the terms are agreed to.
 
 ** Changing from a "Prepaid Debit" Model to a "Charge Card" Model
 
-The actual content of the changes is interesting. While the historical
-model of using Privacy.com was akin to prepaid debit cards, the new
-model is very similar to a credit card (they use the term "charge
-card").
+The actual content of the changes is interesting. While the historical model of
+using Privacy.com was akin to prepaid debit cards, the new model is very similar
+to a credit card (they use the term "charge card").
 
-I have used Privacy.com for 1-2 years, and the process was always that
-you would create a single-use or merchant-locked card. This card could
-be used for any dollar limit you set and would immediately draw the
-funds from whatever funding source you connected, e.g. PayPal account or
-a bank account.
+I have used Privacy.com for 1-2 years, and the process was always that you would
+create a single-use or merchant-locked card. This card could be used for any
+dollar limit you set and would immediately draw the funds from whatever funding
+source you connected, e.g. PayPal account or a bank account.
 
-The benefit this service provides with a premium account is masking the
-merchant names from your funding source. If you have a concern that your
-bank account uses merchant data from your account, you could direct all
-charges through Privacy.com and set the merchant as one of their pre-set
-options, such as "Smiley's Corner Store" or "NSA Gift Shop."
+The benefit this service provides with a premium account is masking the merchant
+names from your funding source. If you have a concern that your bank account
+uses merchant data from your account, you could direct all charges through
+Privacy.com and set the merchant as one of their pre-set options, such as
+"Smiley's Corner Store" or "NSA Gift Shop."
 
-The new model still works with a bank account as a funding source, but
-the model is changed so that you get a "line of credit" set according to
-a 14-day billing cycle. It seems that Privacy.com will now allow charges
-to be incurred without being immediately paid.
+The new model still works with a bank account as a funding source, but the model
+is changed so that you get a "line of credit" set according to a 14-day billing
+cycle. It seems that Privacy.com will now allow charges to be incurred without
+being immediately paid.
 
 ** Daily Payments and Available Credit
 
-Instead of paying as charges are incurred, you must make a "Daily
-Payment" and your "Available Credit" will be locked until you make that
-payment. There are also "End of Billing Cycle Payments" that are
-assigned a due date.
+Instead of paying as charges are incurred, you must make a "Daily Payment" and
+your "Available Credit" will be locked until you make that payment. There are
+also "End of Billing Cycle Payments" that are assigned a due date.
 
-Further, Privacy.com will decline charges that would cause you to exceed
-your Available Credit or Credit Limit.
+Further, Privacy.com will decline charges that would cause you to exceed your
+Available Credit or Credit Limit.
 
 One particular interesting section states the following:
 
@@ -63,37 +59,34 @@ FOR MORE INFORMATION.
 
 ** Personal Information
 
-Now that Privacy.com is more of a financial institution, they are
-obligated to comply with the
-[[https://en.wikipedia.org/wiki/Know_your_customer][know your customer]]
-guidelines/laws.
+Now that Privacy.com is more of a financial institution, they are obligated to
+comply with the [[https://en.wikipedia.org/wiki/Know_your_customer][know your customer]] guidelines/laws.
 
-I did not proceed with the change to my Privacy.com account, but I have
-heard from some peers that the changes require more personal information
-to be submitted, such as SSN. I am not aware of all new personal
-information required or if the funding source is now required to only be
-a bank account.
+I did not proceed with the change to my Privacy.com account, but I have heard
+from some peers that the changes require more personal information to be
+submitted, such as SSN (Social Security Number). I am not aware of all new
+personal information required or if the funding source is now required to only
+be a bank account.
 
 ** Fees
 
-Luckily, the fees section did not change much. The subscription fees for
-a premium account are still the only fees.
+Luckily, the fees section did not change much. The subscription fees for a
+premium account are still the only fees.
 
 * My Thoughts
 
-Personally, I wiped my personal information from my account and then
-permanently deleted it when I heard about these changes. I have no
-interest in yet another method of credit lending offered by private
-companies. While I accepted that they would have access to my bank
-account information for the purposes of paying off my prepaid debit
-payments, I have no interest in incurring charges that will need to be
-paid back at a later date. I also have no interest in submitting
+Personally, I wiped my personal information from my account and then permanently
+deleted it when I heard about these changes. I have no interest in yet another
+method of credit lending offered by private companies. While I accepted that
+they would have access to my bank account information for the purposes of paying
+off my prepaid debit payments, I have no interest in incurring charges that will
+need to be paid back at a later date. I also have no interest in submitting
 personal information to Privacy.com.
 
-This type of change toward a "buy it now, pay us later" model is
-concerning, and I will be watching Privacy.com to see if they further
-their interests in the credit model as time goes on.
+This type of change toward a "buy it now, pay us later" model is concerning, and
+I will be watching Privacy.com to see if they further their interests in the
+credit model as time goes on.
 
-Could we see them start charging interest, fees, etc.? I'm not sure, but
-this change does not inspire confidence in their mission as a
-privacy-focused company.
+Could we see them start charging interest, fees, etc.? I'm not sure, but this
+change does not inspire confidence in their mission as a privacy-focused
+company.