Where have they disclosed their deal with MasterCard?
>> there are usually ways to opt out and still use the service
Often the opt outs don't work, and these appear to be "intentional bugs": wifi privacy intentional bug https://www.wired.com/2012/05/google-wifi-fcc-investigation/ google home bug https://bgr.com/2017/10/11/google-home-mini-spying-on-user-f...
And the latest "bug": In Chrome if you turn off "Allow Chrome sign-in", Chrome signs you into the browser anyway, when you sign into Gmail.
Google's "don't be evil" days are a distant memory now.