VARNIUMAI risk defense / everyday bearings

PRICING / DISCLOSURE

Ask the Retailer, in Writing, How That Price Was Set

Some states require a retailer to disclose that a price was set by an algorithm using your data. Whether or not your state does, the written question creates an answer you can act on.

Start here

The free tool below runs entirely in this browser — no account, nothing stored or transmitted. Redact anything you would not want kept before you type it.

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Why the request works even without a disclosure law

A company that answers truthfully gives you something to verify; a company that refuses gives you a dated refusal, which is itself useful to a regulator.

Keep the request narrow and answerable: which data categories, which process, and whether a person was involved.

The protocol

  1. Write down the purchase, price paid, date, and channel.
  2. Ask in writing which data categories were used to set the price you saw.
  3. Ask whether the price was set by an algorithm and whether it was individualised.
  4. Ask how to opt out of personalised pricing and what changes if you do.
  5. Keep the reply, or the lack of one, with the receipt.

What the tool does

Build a price-disclosure request It runs locally in this browser and sends nothing.

Limit first: This is a record-keeping and comparison aid, not legal or financial advice. It cannot prove that a price was personalised, and it does not know what a company's pricing model does internally.

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Cost and free path

Cost: Free: one complete run in this browser, no account. Optional $4 one-time unlock allows unlimited runs of this tool on this browser. The free path and safety guidance never require payment.

Rule status (mixed route): Status, 2026-10-03: disclosure duties are state-level and uneven; the FTC's pricing guidance is the current federal reference, and state attorneys general have opened surveillance-pricing inquiries.

Automated decision this documents: undisclosed algorithmic price individualisation

Free path, in order (no cost):

  1. USA.gov's complaint finder to locate the right regulator for retail pricing
  2. Your state attorney general's consumer protection division
  3. FTC consumer alerts for the current legal position on personalised pricing

What this cannot do: It cannot prove that a price was personalised, and it does not know what a company's pricing model does internally.

Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.

One human next step

If the retailer refuses to answer and your state has a pricing-disclosure rule, file a complaint with your state attorney general; if not, send the same record to a consumer organisation tracking the practice.

Research log and safety checks

AI-assist path: not used for a verdict. This builder organises the reader's own documents and names an independent source; it does not infer authenticity, eligibility, or legal rights. §6.9/§6.10/§6.11 disclosed in the batch report; §6.12 status line carried in metadata as `status_line`.

§0.5 protection result: category is ai-pricing-transparency; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.

Related dispatches

Pairs with the same protection bar: a free complete reading, an optional convenience unlock, and no fear-framing.