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Adds additional clarification in finance section

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@ -360,7 +360,7 @@ Although Windows and OS X are easy to use and convenient, they both are far from
Home assistants (such as Google Home, Alexa and Siri) and other internet connected devices collect large amounts of personal data (including voice samples, location data, home details and logs of all interactions). Since you have limited control on what is being collected, how it's stored, and what it will be used for, this makes it hard to recommend any consumer smart-home products to anyone who cares about privacy and security.
Security vs Privacy: There are many smart devices on the market that claim to increase the security of your home while being easy and convenient to use (Such as [Cave Burglar Alarm](https://amzn.to/2Rx83Fb), [Blink Cam](https://amzn.to/30ylzg9), [Yale Lock](https://amzn.to/2tnQzDv) and [Ring Doorbell](https://amzn.to/2ufQ1zi) to name a few). These devices may appear to make security easier, but there is a trade-off in terms of privacy: as they collect large amounts of personal data, and leave you without control over how this is stored or used. The security of these devices is also questionable, since many of them can be (and are being) hacked, allowing an intruder to bypass detection with minimum effort.
Security vs Privacy: There are many smart devices on the market that claim to increase the security of your home while being easy and convenient to use (Such as Smart Burglar Alarms, Internet Security Cameras, Smart Locks and Remote access Doorbells to name a few). These devices may appear to make security easier, but there is a trade-off in terms of privacy: as they collect large amounts of personal data, and leave you without control over how this is stored or used. The security of these devices is also questionable, since many of them can be (and are being) hacked, allowing an intruder to bypass detection with minimum effort.
The most privacy-respecting option, would be to not use "smart" internet-connected devices in your home, and not to rely on a security device that requires an internet connection. But if you do, it is important to fully understand the risks of any given product, before buying it. Then adjust settings to increase privacy and security. The following checklist will help mitigate the risks associated with internet-connected home devices.
@ -375,7 +375,7 @@ The most privacy-respecting option, would be to not use "smart" internet-connect
**Protect your Network** | Recommended | On many smart home devices, anybody connected to your home WiFi is able to view the device content (such as camera footages, or motion statistics). So ensure that your WiFi and home networks are properly secured with a strong password and up-to-date firmware. (See the [Router Section](#your-router) for more details)
**Be wary of wearables** | Optional | Wearable smart devices allow companies to log even more data than ever before; they can track your every move to know exactly where you are and what you are doing at any given time. Again, you as the consumer have no control over what is done with that data.
**Don't connect your home's critical infrastructure to the Internet** | Optional | While a smart thermostat, burglar alarm, smoke detector and other appliances may seem convenient, they by design can be accessed remotely, meaning a hacker can gain control of your entire home, without even needing to be nearby. And by breaching multiple devices, the effects can be very serious.
**Don't use Alexa/ Google Home** | Optional | It is a known fact that voice-activated assistants collect a lot of personal data. Consider switching to [MyCroft](https://mycroft.ai/) which is an open source alternative, with much better privacy.
**Mitigate Alexa/ Google Home Risks** | Optional | It is a known fact that voice-activated assistants collect a lot of personal data, and open the door to a mirage of security issues. Consider switching to [Mycroft](https://mycroft.ai/) which is an open source alternative, with much better privacy. Alternativley, if you wish to continue using your current voice assistant, check out [Project Alias](https://github.com/bjoernkarmann/project_alias), which prevents idle listening
**Monitor your home network closely** | Optional | Check your local network for suspicious activity. One of the easier methods to do this is with [FingBox](https://amzn.to/38mdw8F), but you can also do it directly [through some routers](https://www.howtogeek.com/222740/how-to-the-monitor-the-bandwidth-and-data-usage-of-individual-devices-on-your-network/).
**Deny Internet access where possible** | Advanced | If possible deny the device/ app internet access, and use it only on your local network. You can configure a firewall to block certain devices from sending or receiving from the internet.
**Assess risks** | Advanced | Assess risks with your audience and data in mind: Be mindful of whose data is being collected, e.g. kids. Manage which devices can operate when (such as turning cameras off when you are at home, or disabling the internet for certain devices at specific times of day)
@ -396,11 +396,11 @@ Note about credit cards: Credit cards have technological methods in place to det
**Apply a Credit Freeze** | Recommended | A credit freeze will prevent anyone from requesting your credit report, hence stop someone applying for a financial product in your name, or a corporation requesting your details without your consent. You will need to temporarily disable your credit freeze before getting a loan, or any other financial product. You can freeze your credit through credit the bureau's website: [Experian](https://www.experian.com/freeze/center.html), [TransUnion](https://www.transunion.com/credit-freeze) and [Equifax](https://www.freeze.equifax.com/)
**Use Virtual Cards** | Optional | Virtual card numbers let you pay for items without revealing your real card or banking details. They also offer additional features, such as single-use cards and spending limits for each card. This means you will not be charged more than you specified, or ongoing subscriptions or in the case of a data breach. [Privacy.com](https://privacy.com/join/VW7WC), [MySudo](https://mysudo.com/) and [others](/5_Privacy_Respecting_Software.md#virtual-credit-cards) offer this service
**Use Cash for Local Transactions** | Optional | Unlike any digital payment method, cash is virtually untraceable. Using cash for local and everyday purchases will prevent any financial institution building up a comprehensive data profile based on your spending habits
**Use Cryptocurrency** | Optional | Unlike card payments, most cryptocurrencies are not linked to your real identity. However many blockchains have a public ledger, where transaction details can be publicly viewed online. A privacy-focused currency, such as [Monero](https://www.getmonero.org) or [ZCash](https://z.cash) (see [more](/5_Privacy_Respecting_Software.md#cryptocurrencies)) will allow you to pay for goods and services without any direct link to your identity
**Store Crypto Securely** | Advanced | Generate wallet address offline, never let your private key touch the internet and preferably avoid storing it on an internet-connected device. Use a secure wallet, such as [Wasabi](https://www.wasabiwallet.io/), or a hardware wallet, like [Trezor](https://trezor.io/) or [ColdCard](https://coldcardwallet.com/). For long-term storage consider a paper wallet, or use [CryptoSteel](https://cryptosteel.com/how-it-works)
**Use Cryptocurrency for Online Transactions** | Optional | Unlike card payments, most cryptocurrencies are not linked to your real identity. Many blockchains have a public record, of all transaction matadata, on a public, immutable ledger. So where possible, opt for a privacy-focused currency, such as [Monero](https://www.getmonero.org) or [ZCash](https://z.cash). If you are using a widley- supported currency (such as [Tether](https://tether.to/), [BitCoin](https://bitcoin.org/), [LiteCoin](https://litecoin.com/), [Ripple](https://ripple.com/xrp/), [Etherium](https://ethereum.org/en/) etc), take steps to [distance yourself from the transaction details](https://coinsutra.com/anonymous-bitcoin-transactions/). See more [privacy-respecting crypto currencies](/5_Privacy_Respecting_Software.md#cryptocurrencies).
**Store Crypto Securely** | Advanced | Generate wallet address offline, never let your private key touch the internet and preferably avoid storing it on an internet-connected device. Use a secure wallet, such as [Wasabi](https://www.wasabiwallet.io/), or a hardware wallet, like [Trezor](https://trezor.io/) or [ColdCard](https://coldcardwallet.com/). For long-term storage consider a paper wallet, or a more robust alternative, such as [CryptoSteel](https://cryptosteel.com/how-it-works)
**Buy Crypto Anonymously** | Advanced | If you are buying a common cryptocurrency (such as BitCoin), purchasing it from an exchange with your debit/ credit card, will link directly back to your real identity. Instead use a service like [LocalBitcoins](https://localbitcoins.com), an anonymous exchange, such as [Bisq](https://bisq.network), or buy from a local BitCoin ATM ([find one here](https://coinatmradar.com)). Avoid any exchange that implements [KYC](https://en.wikipedia.org/wiki/Know_your_customer)
**Tumble/ Mix Coins** | Advanced | Before converting BitCoin back to currency, consider using a [bitcoin mixer](https://en.bitcoin.it/wiki/Mixing_service), or [CoinJoin](https://en.bitcoin.it/wiki/CoinJoin) to make your transaction harder to trace. (Some wallets, such as [Wasabi](https://www.wasabiwallet.io/) support this nativley)
**Use an Alias Details for Online Shopping** | Advanced | When you pay for goods or services online, you do not know for sure who will have access to your data. Consider using an alias name, forwarding mail address (using a service like [SimpleLogin](https://simplelogin.io/?slref=bridsqrgvrnavso) or [Anonaddy](https://anonaddy.com)), or a VOIP number
**Use an Alias Details for Online Shopping** | Advanced | When you pay for goods or services online, you do not know for sure who will have access to your data, or weather it will be stored securley. Consider using an alias name, [forwarding email address](/5_Privacy_Respecting_Software.md#anonymous-mail-forwarding)/ VOIP number, and don't reveal any of your true information. (For Amazon purchases, you can an Amazon gift card with cash, and use an Amazon Locker or local pickup location)
**Use alternate delivery address** | Advanced | When online shopping, if possible get goods delivered to an address that is not associated to you. For example, using a PO Box, forwarding address, corner-shop collection or pickup box
**Recommended Software**