Abstract: Implementations described herein provide systems and methods for mitigating climate risk. In one implementation, a risk factor is determined based on one or more predictive climate models. The risk factor is applied to a specific home, and an effect of the risk factor on the specific home is determined over a period of time. A mitigating action personalized to the specific home based on the risk factor is performed.

Abstract: A device may obtain data associated with an event and process the data via an evacuation prediction and management engine to obtain an evacuation prediction. When the evacuation prediction indicates that an evacuation order is likely to be issued within a period of time based on the event occurring, the device transmits, via the evacuation prediction and management engine, an evacuation service offering to a user device. Upon a user of the user device confirming acceptance of the evacuation service offering, the device receives a payment for the user for the evacuation service offering. When the event or evacuation order occurs and based on the payment for the evacuation service offering, the device automatically initiates a payment to a user account.

Abstract: Implementations described herein provide systems and methods for mitigating climate risk. In one implementation, an environmental forecast factor is determined based on one or more predictive climate models. The environmental forecast factor can be, for example, an environmental condition applied to a specific home. A severity of the environmental forecast factor on the specific home can be determined over a period of time. A financial instrument can be created that invests in an asset that is inversely related to the environmental forecast factor over the period of time, where the financial instrument is predicted to appreciate in value to at least the severity of the environmental forecast factor.

Abstract: Disclosed are systems, apparatuses, methods, and computer readable medium for a climate risk assessment system. A disclosed climate risk assessment system can include a machine learning (ML) model or other neural network that is capable of understanding unstructured data to build loss models that can estimate effects of climate change and risks associated with building based on the effects of climate change. A method of the climate risk assessment system includes: receiving an unstructured document; identifying a property associated with the document based on geographical information extracted from the unstructured document; identifying at least one modified building property associated the unstructured document; updating a data structure corresponding to the building to include the at least one modified building property; and updating a loss model associated with the property based on the data structure.

Abstract: A system includes a privacy vault storing user-associated contents. The vault also stores access permissions defined for third-parties with whom the user has a sharing relationship. An access permission defines, for at least one third party, procurement and utilization policies for vault contents accessed by the third-party. The system may access a user account to recover user-associated contents stored by the accessed account and stores the recovered contents in the privacy vault. The system receives a request from a third-party to access identified contents stored in the privacy vault and determines if the contents are procurable by the third party based on an access permission defined, in the privacy vault, for the third-party. The system provides procurable contents to the third party along with indication of any constraints on the contents defined by utilization policies of the access permission defined for the third party.

Abstract: Methods, computer-readable media, software, and apparatuses may calculate and inform a consumer of company privacy scores corresponding to companies with which the consumer has a corresponding account, or for a company associated with a web site that a consumer may visit. A consumer privacy score may also be determined, based on the company privacy scores. The company privacy scores may be based on a calculation including elements of a privacy practice of the corresponding company and elements of a privacy policy of the corresponding company.

Abstract: Methods, computer-readable media, software, and apparatuses may assist a consumer in deleting personal information held by a data broker. Entities holding the consumer's personal information may be discovered and automated actions for purging or deleting the consumer's personal information may be determined. The methods, computer-readable media, software, and apparatuses may assist the consumer in updating privacy settings associated with accounts at various entities.

Abstract: A system includes one or more privacy vaults. At least one of the one or more privacy vaults is associated with at least one individual user, stores contents associated with the associated at least one individual user, and stores specific identification of a plurality of third-party entities, authorized to access at least a portion of the contents stored by the one or more privacy vaults, along with access permissions, one or more of the access permissions defined for each of the plurality of third-party entities. At least one of the access permissions defines accessibility of the contents for at least one of the plurality of third-party entities for which the at least one access permission is defined.

Abstract: A system includes one or more privacy vaults. At least one of the one or more privacy vaults is associated with at least one individual user, stores contents associated with the associated at least one individual user, and stores specific identification of a plurality of third-party entities, authorized to access at least a portion of the contents stored by the one or more privacy vaults, along with access permissions, one or more of the access permissions defined for each of the plurality of third-party entities. At least one of the access permissions defines accessibility of the contents for at least one of the plurality of third-party entities for which the at least one access permission is defined.

Abstract: A system includes a privacy vault storing user-associated contents. The vault also stores access permissions defined for third-parties with whom the user has a sharing relationship. An access permission defines, for at least one third party, procurement and utilization policies for vault contents accessed by the third-party. The system may access a user account to recover user-associated contents stored by the accessed account and stores the recovered contents in the privacy vault. The system receives a request from a third-party to access identified contents stored in the privacy vault and determines if the contents are procurable by the third party based on an access permission defined, in the privacy vault, for the third-party. The system provides procurable contents to the third party along with indication of any constraints on the contents defined by utilization policies of the access permission defined for the third party.

Abstract: Methods, computer-readable media, software, and apparatuses may calculate and inform a consumer of company privacy scores corresponding to companies with which the consumer has a corresponding account, or for a company associated with a web site that a consumer may visit. A consumer privacy score may also be determined, based on the company privacy scores. The company privacy scores may be based on a calculation including elements of a privacy practice of the corresponding company and elements of a privacy policy of the corresponding company.

Abstract: Methods, computer-readable media, software, and apparatuses may assist a consumer m unsubscribing from unwanted mailing list traffic and email based relationships. A consumer's discovered accounts and subscriptions may be listed and displayed to the consumer. For each identified account or subscription, an unsubscribe and deletion action may be determined and automated for the consumer.

Abstract: Methods, computer-readable media, software, and apparatuses may calculate and inform a consumer of company privacy scores corresponding to companies with which the consumer has a corresponding account, or for a company associated with a website that a consumer may visit. A consumer privacy score may also be determined, based on the company privacy scores. The company privacy scores may be based on a calculation including elements of a privacy practice of the corresponding company and elements of a privacy policy of the corresponding company.

Abstract: A system includes a privacy vault storing user-associated contents. The vault also stores access permissions defined for third-parties with whom the user has a sharing relationship. An access permission defines, for at least one third party, procurement and utilization policies for vault contents accessed by the third-party. The system may access a user account to recover user-associated contents stored by the accessed account and stores the recovered contents in the privacy vault. The system receives a request from a third-party to access identified contents stored in the privacy vault and determines if the contents are procurable by the third party based on an access permission defined, in the privacy vault, for the third-party. The system provides procurable contents to the third party along with indication of any constraints on the contents defined by utilization policies of the access permission defined for the third party.

Abstract: A system includes one or more privacy vaults. At least one of the one or more privacy vaults is associated with at least one individual user, stores contents associated with the associated at least one individual user, and stores specific identification of a plurality of third-party entities, authorized to access at least a portion of the contents stored by the one or more privacy vaults, along with access permissions, one or more of the access permissions defined for each of the plurality of third-party entities. At least one of the access permissions defines accessibility of the contents for at least one of the plurality of third-party entities for which the at least one access permission is defined.

Abstract: Methods, computer-readable media, software, and apparatuses may assist a consumer m unsubscribing from unwanted mailing list traffic and email based relationships. A consumer’s discovered accounts and subscriptions may be listed and displayed to the consumer. For each identified account or subscription, an unsubscribe and deletion action may be determined and automated for the consumer.

Abstract: A system includes one or more privacy vaults. At least one of the one or more privacy vaults is associated with at least one individual user, stores contents associated with the associated at least one individual user, and stores specific identification of a plurality of third-party entities, authorized to access at least a portion of the contents stored by the one or more privacy vaults, along with access permissions, one or more of the access permissions defined for each of the plurality of third-party entities. At least one of the access permissions defines accessibility of the contents for at least one of the plurality of third-party entities for which the at least one access permission is defined.

Abstract: Implementations described herein provide systems and methods for vehicle telematics control. In one implementation, telematics data for a particular user is obtained. The telematics data is captured using at least one sensor associated with a vehicle in connection with an operation of the vehicle by the particular user. A privacy vault of the particular user is identified. The privacy vault has a user-defined access permission set for at least one service provider. The telematics data is stored in the privacy vault. Access to the telematics data stored in the privacy vault by the at least one service provider is controlled. The access to the telematics data controlled according to the user-defined access permission set for the at least one service provider.

Abstract: A system includes one or more privacy vaults. At least one of the one or more privacy vaults is associated with at least one individual user, stores contents associated with the associated at least one individual user, and stores specific identification of a plurality of third-party entities, authorized to access at least a portion of the contents stored by the one or more privacy vaults, along with access permissions, one or more of the access permissions defined for each of the plurality of third-party entities. At least one of the access permissions defines accessibility of the contents for at least one of the plurality of third-party entities for which the at least one access permission is defined.

Abstract: A system collects ongoing user activity information relating to a predefined activity, using one or more devices having a predefined relationship to a user and determines an environmental impact value of the predefined activity based on environmental impact caused by one or more aspects of the predefined activity. The system determines at least one change to the predefined activity that would achieve a diminished environmental impact, suggests the change to the user via a device interface and, responsive to acceptance of the change, implements a control strategy to assist the user in achieving the change.