Good question. Seems pretty unethical, doesn't it, creating a new revenue stream by abusing their loyal customers? We think so, too, which is part of the reason we started this club.

Businesses justify selling your information as a way to provide you with marketing opportunities that they think you want: Open a bank account and you'll get offers for credit cards. Buy a mortgage and you'll get emails about debt consolidation, credit reports or refinancing opportunities. Maybe these are things that could interest you, but for the most part they're just unsolicited garbage. And oftentimes, many of these businesses (banks and credit card companies in particular) don't allow you to opt-out of their "marketing opportunities."

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