Setting aside money for post-secondary education shouldn’t slip through budgeting cracks

Back-to-school time is hectic and costly for many families with fees, new clothing, supplies and extracurricular activities.

Attorneys general warn OpenAI and other tech companies to improve chatbot safety

The attorneys general of California and Delaware on Friday warned OpenAI they have “serious concerns” about the safety of its flagship chatbot, ChatGPT, especially for children and teens.

The two state officials, who have unique powers to regulate nonprofits such as OpenAI, sent the letter to the company after a meeting with its legal team earlier this week in Wilmington, Delaware.

California AG Rob Bonta and Delaware AG Kathleen Jennings have spent months reviewing OpenAI's plans to restructure its business, with an eye on “ensuring rigorous and robust oversight of OpenAI’s safety mission.”

But they said they were concerned by “deeply troubling reports of dangerous interactions between" chatbots and their users, including the "heartbreaking death by suicide of one young Californian after he had prolonged interactions with an OpenAI chatbot, as well as a similarly disturbing murder-suicide in Connecticut. Whatever safeguards were in place did not work.”

AI chatbots changing online threat landscape as Ottawa reviews legislation

OTTAWA - Wrongful death lawsuits citing the activities of artificial intelligence chatbots are underway in the United States, as reports emerge of mental health issues and delusions induced by AI systems.

These incidents are drawing attention to the changing nature of the online threat landscape — just weeks after the Liberal government said it would review its online harms bill before reintroducing it in Parliament.

"Since the legislation was introduced, I think it's become all the more clear that tremendous harm can be facilitated by AI, and we're seeing that in particular in the space of chatbots and some of the tragedies," said Emily Laidlaw, Canada research chair in cybersecurity law at the University of Calgary.

The Online Harms Act, which died on the order paper when the election was called, would have required social media companies to outline how they plan to reduce the risks their platforms pose to users, and would have imposed on them a duty to protect children.

Online age checks are proliferating, but so are concerns they curtail internet freedom

Online age checks are on the rise in the U.S. and elsewhere, asking people for IDs or face scans to prove they are over 18 or 21 or even 13. To proponents, they're a tool to keep children away from adult websites and other material that might be harmful to them.

But opponents see a worrisome trend toward a less secure, less private and less free internet, where people can be denied access not just to pornography but news, health information and the ability to speak openly and anonymously.

“I think that many of these laws come from a place of good intentions,” said Jennifer Huddleston, a senior technology policy fellow at the Cato Institute, a libertarian think tank. “Certainly we all want to protect young people from harmful content before they’re ready to see it.”

More than 20 states have passed some kind of age verification law, though many face legal challenges. While no such law exists on the federal level in the United States, the Supreme Court recently allowed a Mississippi age check law for social media to stand. In June, the court upheld a Texas law aimed at preventing minors from watching pornography online, ruling that adults don't have a First Amendment right to access obscene speech without first proving their age.

NCAA partners with Venmo to assist athletes who face harassment on the payment app

Venmo announced a partnership Tuesday with the NCAA to support athletes who face harassment on the payment app, which has embraced its popularity on college campuses with school spirit-branded debit cards and an option for athletes to receive money from their school directly in the PayPal app.

The partnership includes a reporting hotline for athletes and the NCAA to call in potential cases of abuse, such as when former Auburn quarterback Payton Thorne said he received payment requests from angry sports bettors following a loss last season.

“The harassment we are seeing across various online platforms is unacceptable, and we need fans to do better," NCAA President Charlie Baker said in a news release. “We applaud Venmo for taking action, and we need more social media companies and online platforms to do the same.”

Venmo said it would provide a best-practices guide for athletes to “stay safe” on its platform.

How young content creators plan to balance their social media success and campus life

Growing up, Sofia DelGiudice never imagined her father’s annual back-to-school tradition would be a pivotal moment in her social media career.

Before starting university two years ago, the 19-year-old content creator from Toronto had the idea to stitch together all the videos her dad filmed of her descending the stairs in the family's home on the first day of school.

"It's the first day of what grade?" DelGiudice’s dad can be heard asking her in each clip recorded from kindergarten onward.

DelGiudice posted what she thought was a cute homage only her small TikTok following would see — and it went viral.

Businesses put at risk when employees use unauthorized AI tools at work

An artificial intelligence chatbot could help quickly clean up your presentation moments before an important board meeting. But those quick AI fixes can become a liability for the higher-ups you're trying to impress.

More employees are using AI tools to help them complete work tasks and increase their productivity, but most of the time, those tools aren't approved by companies. When employees make use of unauthorized AI platforms and tools, it's referred to as shadow AI, and it creates a risk that workers could accidentally disclose sensitive internal data on these platforms, making the company susceptible to cyberattacks or intellectual property theft.

Often, companies are slow in adopting the latest technology, which may push employees to seek third-party solutions, such as AI assistants, said Kareem Sadek, a partner in the consulting practice at KPMG in Canada specializing in tech risk.

This so-called shadow AI often seeps in when users are looking for convenience, speed and intuitiveness, Sadek said.

Minnesota sues TikTok, alleging it preys on young people with addictive algorithms

ST. PAUL, Minn. (AP) — Minnesota on Tuesday joined a wave of states suing TikTok, alleging the social media giant preys on young people with addictive algorithms that trap them into becoming compulsive consumers of its short videos.

“This isn’t about free speech. I’m sure they’re gonna holler that," Minnesota Attorney General Keith Ellison said at a news conference. "It’s actually about deception, manipulation, misrepresentation. This is about a company knowing the dangers, and the dangerous effects of its product, but making and taking no steps to mitigate those harms or inform users of the risks.”

The lawsuit, filed in state court, alleges that TikTok is violating Minnesota laws against deceptive trade practices and consumer fraud. It follows a flurry of lawsuits filed by more than a dozen states last year alleging the popular short-form video app is designed to be addictive to kids and harms their mental health. Minnesota's case brings the total to about 24 states, Ellison's office said.

Many of the earlier lawsuits stemmed from a nationwide investigation into TikTok launched in 2022 by a bipartisan coalition of attorneys general from 14 states into the effects of TikTok on young users’ mental health. Ellison, a Democrat, said Minnesota waited while it did its own investigation.

AI-powered personal finance is here: for better and for worse

Financial advice at your fingertips is by no means a new innovation.

Yet with the rise of artificial intelligence, getting insights about your money has been taken to new heights of potential benefit — and dangers.

“There is a lot of upside to using AI, especially for budgeting, and it’s often good as a first draft for anything you want to do,” says Monisha Sharma, Toronto-based chief revenue officer at Fig Financial, which provides consolidation, home improvement and unsecured loans.

Fig has some insight on AI’s benefits. The fintech company leverages AI technology to make loans quickly to Canadians, but its use case is contained to Fig’s own specific data to ensure a low error rate.