Your personal information is targeted not only by benevolent or malevolent espionage agencies. Insurance companies have launched a real race in attempting to collect as much information as possible about your lifestyle. Social networks, the „Internet of Things“ [a proposed development of the internet in which everyday objects have network connectivity, allowing them to send and receive data] and leisure applications on smartphones are sources of information about the state of your health and diet – and a gold mine for evaluating the risks insurance companies and cooperatives would run – as well as about the premium you should pay. In the future, will your insurer dictate the way you have to live in order for you to pay less?