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> The analog would be an AV scanner that sends a list of your files/hashes to a centralised server somewhere, so that the company can target ads related to your file contents (or sell your data...), in addition to warning you about viruses.

Is there an antivirus program that doesn't do this? I've been assuming for a very long time that windows defender does, Norton/McAfee/Avast too. I'd be shocked if they didn't