[regulatorynerd]

Hi -- head of legal and compliance for Privacy.com. tl;dr is US consumer card types have lots of rules and laws attached, and we needed to have folks accept some new terms before we could give you all access to the new card types. Thanks for using our service!

[slg]

So it sounds like the TL;DR is that Privacy.com is getting less private as the new terms allow you collect more user data.