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with data hacks endlessly in the news these days are you concerned about shopping online and potentially exposing your credit card info well in this Bo we're gonna be taking a look at the free service privacy comm and their proposed solution to this problem everyone this is Conn for money at 30 on this channel we look at personal finance for millennial perspective including app and tool reviews like this one if you're anything like me you probably do a lot of your shopping online in addition to the convenience this often offers thanks to price comparison tools coupon code sites and other tools like Ebates online shopping can save you money in many cases however the one downside is that you do run a higher risk of your data being exposed should run the online merchants you frequent experience a breach enter privacy calm and their free service that allows you to create proxy card numbers for your online purchases personally I first heard about privacy calm right here on YouTube while watching the philip defranco show pretty much right after seeing that I knew I needed to try out the service for myself and see what some of the pros and cons were with that here are five things to know about privacy calm including how it works and how it could potentially protect your money the first things to know about privacy calm or how you can add a funding source and create new proxy cards as I mentioned it's free to sign up for privacy calm and once you do you can link a bank account using the applied API you may recognize from other personal finance apps once a funding source is linked you can create custom cards that are either merchants specific or so-called burners you only use once to help you tell your different cards apart quickly you can even select from a collection of popular brand logos to include on your card then all of your current cards are displayed in your wallet section making it easy to utilize them when you need some of the benefits of privacy calm that you can not only mask your actual credit card info but you can also protect how much you're being charged from recurring services or free trials by using privacy coms proxy card numbers you can rest easy knowing that if an online merchant were to be hacked your real credit card number would not be exposed well that's the main advantage of this service it's far from the only one for example if you're looking to sign up for a free trial you can set up a privacy calm card to ensure that you're not charged after you cancel similarly you can set up per charge monthly or yearly limits on your privacy cards to prevent being overcharged this way whether it's due to fraudulent technical error or price hikes you'll be alerted that something is wrong it's of your money quietly disappearing next in addition to visiting the site itself there are a few other ways you can utilize your privacy comm cards including their Chrome browser extension or their mobile app although visiting the privacy comm site to review recent transactions create cards and copy card numbers is simple the service also offers a Chrome browser extension that makes it even easier when you install the extension and click the button in your toolbar you'll get quick access to your privacy com wallet additionally on some checkout you'll notice that a privacy comm icon will pop up allowing you to select or create a new card and have it autofill the details I should also mention that privacy has a mobile app so you can utilize your cards when shopping on any device one of the few downsides of privacy calm is that they currently only allow you to add funds via a bank account meaning that you won't be able to take advantage of credit card rewards sadly keeping your card info private may also mean passing up on some of the rewards your credit cards may offer that's because funding sources can only come from bank accounts with credit cards not currently supported honestly while this is understandable it's a huge bummer for me especially since I earned 2% on all online purchases using my Visa card c'est la vie finally it's worth mentioning once again that privacy calm is a free service and there are even ways you can earn a $5 credit when signing up and each time you refer a friend just in case you didn't catch on before privacy calm is free to use even better you can currently earn a $5 credit when referring friends to the site using your custom link and they'll also receive a $5 credit as well of course you can also feel free to use my link in the description box down below to earn this credit those who refer will need to sign up and make their first purchase then you can spend your credit by using any of your privacy calm cards furthermore you can also unlock a month of 1% cash back on your privacy calm transactions by referring a certain number of friends so while this might not make up for the lack of credit card rewards it is a nice added bonus that privacy comm offers hopefully this video gives you a better idea what privacy calm is all about but for more info on the service I'll have a link to my full written review on dire news in the description box down below also if you liked this video please hit the thumbs up button leave a comment and be sure to subscribe because we have new videos every week so thanks again for watching and I will see you next time here on money at 30