OOpen Ethics Standard

Principle 04 of 8

Fairness

Treat people equally, do not discriminate, and keep services accessible.

Protects

Customers, applicants, workers

Why it matters

Access to credit, housing, work, and services should not depend on who someone is or where they live.

Covers

Automated and human decisions about people (6.1–6.3, 6.5), and access, equity, and discrimination (Category 9).

Practices that break it

26 subsections · 124 practices

The same principle, across industries

Every practice above, as it reads in the catalog. Numbers link to the standard.

1.5 Loyalty Penalty & Incumbency Pricing · 5 practices

Fairness+ Honesty
§PracticeDescriptionSeen in
1.5.1Price CreepGradual, repeated price increases above inflation, exploiting customer inertia and switching costs.SaaS, streaming, insurance, mobile carriers, cleaning services
1.5.2Loyalty PenaltyCharging long-term customers more than new customers for identical coverage or service.Insurance, mobile carriers, energy utilities
1.5.3Teaser-Rate TrapOffering low introductory pricing that escalates dramatically after the first renewal cycle.Insurance, mobile carriers, cosmetics (subscription), gym memberships
1.5.4Auto-Renewal Price HikeRenewing a subscription at a higher price than the prior term without explicit consent or prominent advance notice.Cloud/SaaS, streaming, cybersecurity, fitness, dating, telecom
1.5.5Mile / Point DevaluationUnilaterally reducing the value, redemption availability, or expiration window of accumulated loyalty points or miles.Airlines, hotels, retail loyalty programs, credit-card rewards

1.7 Predatory Lending & Consumer Finance · 9 practices

Fairness+ Care
§PracticeDescriptionSeen in
1.7.1Overdraft ReorderingProcessing transactions largest-first to maximize overdraft fees, cascading charges from small purchases.Financial services
1.7.2Payday-Loan / Refund-Advance TrapOffering short-term loans at effective APRs above 100–300%, designed for rollover rather than repayment, often disguised as "instant refunds."Financial services, tax preparation
1.7.3Penalty-APR WeaponizationApplying penalty rates to entire balances after a single late payment, including new purchases.Financial services
1.7.4Minimum-Payment IllusionDisplaying minimum payments prominently while burying total interest cost and time-to-payoff.Financial services, retail credit
1.7.5Negative-Equity RollingRolling negative equity from a previous loan into a new loan without clearly disclosing the increased total obligation.Automotive
1.7.6Debt-Trap LendingExtending credit, leases, or input loans with terms designed to create perpetual financial dependency.Agriculture (farmer debt), cannabis (grower lending), debt collection, prison commissary
1.7.7Refund-Advance APR ConcealmentMarketing refund anticipation loans as "instant refunds" while obscuring effective interest rates that often exceed 100% APR.Tax preparation
1.7.8Pre-Need Investment MisrepresentationMarketing pre-paid funeral or cemetery products as appreciating financial investments rather than prepaid services.Funeral & death care
1.7.9Payment-Plan Predatory TermsOffering high-interest installment plans for essential expenditures without disclosing total interest paid.Veterinary, dental, healthcare, mental health

2.5 Forced Bundling & Tying · 4 practices

Fairness+ Autonomy
§PracticeDescriptionSeen in
2.5.1Tying of Unwanted ProductsRequiring purchase of unrelated products or services as a condition of obtaining the desired one.Insurance, financial services, e-commerce, agriculture (seed-herbicide bundling)
2.5.2Mandatory Bundle PricingOffering only bundled packages that mix essential and optional items so individual costs cannot be compared.Funeral services, wedding planning, event ticketing, cable/internet
2.5.3Bundle ObfuscationBundling multiple services so individual pricing and partial cancellation are obscured.Streaming, telecom
2.5.4Cloud-Service BundlingBundling infrastructure, platform, and SaaS products to foreclose competitors of any single layer.Cloud/SaaS

2.7 Contract Imbalance · 6 practices

Fairness+ Autonomy
§PracticeDescriptionSeen in
2.7.1Unilateral Contract ChangesModifying agreement terms (commission, fees, scope) with minimal notice, forcing take-it-or-leave-it acceptance.E-commerce platforms, food delivery, gig economy, app stores
2.7.2Force-Majeure AsymmetryDrafting force-majeure clauses that protect the vendor but not the customer.Wedding planning, event venues, hospitality
2.7.3Punitive Cancellation PenaltyImposing cancellation penalties disproportionate to actual lost revenue.Wedding, hospitality, real estate, fitness
2.7.4Non-Refundable TrapDefaulting to non-refundable bookings while making refundable options hard to find or significantly more expensive.Hospitality, travel, ticketing
2.7.5Concession ClawbackOffering "first month free" promotions whose cost is recovered through inflated base rent or fees over the lease term.Real estate
2.7.6Lien ThreatsFiling or threatening mechanic's liens to coerce payment for disputed or incomplete work.Construction, plumbing, home services

4.7 Sensitive-Attribute Inference · 5 practices

Fairness+ Privacy
§PracticeDescriptionSeen in
4.7.1Mental-Health Inference for TargetingInferring depression, anxiety, grief, or emotional vulnerability from posting patterns and using it for ad targeting or feature manipulation.Social media, advertising
4.7.2Pregnancy / Health-Condition InferenceInferring pregnancy, chronic illness, or health condition from browsing behavior for targeting.Digital advertising, retail, insurance
4.7.3Sexual-Orientation Inference / DisclosureInferring or exposing sexual orientation through ad targeting or data sharing without explicit consent, creating outing risk.Dating, social media, advertising
4.7.4Financial-Distress InferenceIdentifying financially vulnerable users for predatory ad targeting (high-interest loans, debt-relief schemes).Digital advertising, financial services
4.7.5Emotion-Recognition PseudoscienceDeploying affect-detection systems for hiring, security, or border control as if scientifically validated.AI, HR/recruitment, government

5.4 Algorithmic Decision Opacity · 4 practices

Fairness+ Accountability
§PracticeDescriptionSeen in
5.4.1Black-Box DecisioningUsing AI-driven scoring for credit, insurance, hiring, or benefits decisions without disclosing factors or allowing appeal.Financial services, insurance, HR/recruitment, government
5.4.2Adverse-Action Notice InadequacyProviding vague adverse-action explanations that fail to identify the specific factor or report item that drove denial.Credit reporting, financial services
5.4.3Hidden Attractiveness / Desirability ScoringAssigning users internal desirability or risk scores based on observed behavior without disclosure.Dating, gig economy, ride-hailing
5.4.4Score OpacityProviding a credit, risk, or behavioral score without explaining how specific behaviors affect it, preventing informed improvement.Credit reporting, insurance, gig economy

6.1 Bias in Critical Decisions · 7 practices

Fairness
§PracticeDescriptionSeen in
6.1.1Discriminatory Training DataBuilding decision systems on historically biased datasets without auditing or mitigation, perpetuating discrimination in hiring, lending, or law enforcement.AI, HR/recruitment, credit reporting, insurance, healthcare
6.1.2Proxy DiscriminationUsing seemingly neutral inputs (ZIP code, occupation, shopping patterns) that correlate with race, income, or other protected attributes to set rates or scores.Insurance, credit reporting, financial services
6.1.3Algorithmic Triage BiasDeploying clinical AI tools trained on non-representative populations, producing disparate care allocation.Healthcare, mental health
6.1.4Predictive Policing BiasDeploying crime-prediction systems trained on biased policing data, directing over-policing to already-targeted communities.AI, government, surveillance technology
6.1.5Therapist-Matching BiasAlgorithmic matching that systematically steers marginalized patients to less experienced or lower-rated providers.Mental health
6.1.6Recommendation Pop-BiasRecommendation systems that reinforce already-dominant artists, products, or content, suppressing emerging or underrepresented voices.Music, podcasting, e-commerce
6.1.7Facial-Recognition BiasDeploying facial recognition with documented demographic error disparities, leading to wrongful identification.Surveillance technology, law enforcement

6.2 Automated Termination & Deactivation · 4 practices

Fairness+ Accountability
§PracticeDescriptionSeen in
6.2.1Algorithmic Deactivation Without AppealTerminating or suspending worker accounts based on automated metrics (ratings, acceptance rates, fraud signals) without human review or meaningful appeal.Ride-hailing, food delivery, freelance/gig, e-commerce sellers
6.2.2Account Suspension Without RecourseSuspending seller, creator, or user accounts without transparent explanation or human review, freezing inventory or funds.E-commerce platforms, social media, podcasting
6.2.3Debanking Without TransparencyClosing financial accounts based on internal risk models without specific reasons or remediation paths.Financial services
6.2.4Return-Fraud Algorithmic BanningFlagging or banning loyal customers for "return fraud" via opaque thresholds without human review or appeal.E-commerce

6.3 Algorithmic Wage & Earnings Manipulation · 4 practices

Fairness+ Responsibility
§PracticeDescriptionSeen in
6.3.1Algorithmic Pay AdjustmentUsing opaque algorithms to adjust per-task pay based on predicted worker acceptance, systematically suppressing earnings.Ride-hailing, food delivery, freelance/gig
6.3.2Surge / Demand CaptureImplementing surge pricing where the platform captures a disproportionate share of the increase rather than passing it to workers.Ride-hailing, freelance
6.3.3Behavioral-Nudge PenaltiesDesigning penalty structures (acceptance rate, response time) that coerce workers into unsafe or undesirable conditions.Gig economy, ride-hailing, food delivery
6.3.4Opaque Worker Reliability ScoresInternal performance/reliability scores that gate placement opportunities without disclosed criteria or appeal.Staffing/temp, gig economy, freelance

6.5 Algorithmic Content Suppression · 4 practices

Fairness
§PracticeDescriptionSeen in
6.5.1Self-Preferencing on Owned PlatformsDesigning recommendation, search, or marketplace algorithms to prefer the platform's own products or content over superior third-party alternatives.Search engines, e-commerce, streaming, music, AI platforms
6.5.2Competitor Content SuppressionDeliberately reducing visibility of content from competing services or platforms in organic results.Search engines, social media
6.5.3Pay-for-VisibilityReducing organic reach to force creators or sellers into paid promotion or boosted posts.Social media, food delivery, e-commerce
6.5.4Engagement-Optimized Matching Over CompatibilityRanking matches, trades, or pairings to maximize platform engagement rather than user-stated goals.Dating, job platforms

9.1 Service Desert Creation · 4 practices

Fairness
§PracticeDescriptionSeen in
9.1.1Service Desert CreationConsolidating facilities or service in affluent areas while withdrawing from rural, low-income, or minority areas.Healthcare, dental, veterinary, banking, grocery, telecom, mobile carriers, transit, government
9.1.2Insurance Redlining by Non-RenewalSystematically non-renewing policies in areas with higher claim rates, creating insurance deserts.Insurance
9.1.3Last-Mile / Feeder CutsDiscontinuing feeder routes and last-mile connections that complete trips for suburban or rural riders.Public transit
9.1.4Childcare Geographic RedliningConcentrating facilities in affluent areas while avoiding lower-income neighborhoods, creating childcare deserts.Childcare/daycare

9.2 Algorithmic Discrimination in Targeting & Decisioning · 5 practices

Fairness
§PracticeDescriptionSeen in
9.2.1Digital RedliningUsing algorithms to show or hide listings based on neighborhood demographics.Real estate, advertising
9.2.2SteeringDirecting buyers or renters toward or away from neighborhoods based on protected-class characteristics.Real estate
9.2.3Housing & Employment Ad DiscriminationAllowing exclusion targeting (zip code, race proxy, income) on housing, credit, or employment ads.Digital advertising, social media
9.2.4Reverse RedliningTargeting minority neighborhoods for predatory loan products with unfavorable terms.Real estate, financial services
9.2.5Appraisal ManipulationSystematically undervaluing properties in minority neighborhoods, depressing wealth-building.Real estate

9.3 Source-of-Income & Demographic Discrimination · 4 practices

Fairness
§PracticeDescriptionSeen in
9.3.1Source-of-Income DiscriminationRefusing tenants or customers who use vouchers or subsidies despite ability to pay.Real estate
9.3.2Subsidy / Medicaid RefusalDeclining to accept government subsidy programs or creating administrative barriers for subsidized clients.Childcare, dental, healthcare
9.3.3Funeral Pricing by DemographicCharging higher prices or providing inferior services based on race, ethnicity, neighborhood, or perceived class.Funeral & death care
9.3.4Gendered PricingPricing identical or substantially similar products differently based on gendered marketing or packaging.Personal care, dating (subscriptions), fashion

9.4 Accessibility (ADA / WCAG) Failures · 7 practices

Fairness
§PracticeDescriptionSeen in
9.4.1Digital Accessibility FailuresSites and apps that do not meet WCAG standards, preventing screen-reader, keyboard, or alternate-input use.Education, streaming, podcasting, government, e-commerce, search
9.4.2Physical Accessibility FailuresFailing to maintain elevators, ramps, or lift equipment for advertised routes; under-providing accessible seating.Public transit, ticketing/venues, sports
9.4.3Disability Accommodation Failure on FlightsDamaged mobility aids, inadequate accommodations, or inconsistent service for passengers with disabilities.Airlines
9.4.4Accessibility Misrepresentation in ListingsAdvertising units as accessible that do not meet ADA or local accessibility codes.Real estate
9.4.5Captioning / Audio-Description GapsMissing or delayed captions and audio descriptions; charging premium tiers for accessibility features.Streaming, film/television, podcasting
9.4.6DRM Blocking Assistive TechnologyApplying DRM that prevents screen readers, text-to-speech, or accessibility tools from functioning.Publishing, gaming
9.4.7Wheelchair-Accessible Vehicle DelaysDelaying compliance with accessibility requirements while claiming "innovation" flexibility.Ride-hailing

9.5 Language Access Barriers · 4 practices

Fairness
§PracticeDescriptionSeen in
9.5.1Language Access FailuresProviding critical forms, notices, or services only in one language in multilingual communities.Government, public transit, water utilities, healthcare
9.5.2Language-Barrier Exploitation in Tax PrepInadequate multilingual support while charging premium prices for non-English speakers, or using complex English-only agreements.Tax preparation
9.5.3Boil-Notice Communication GapsIssuing safety notices through channels that do not reach non-English speakers, elderly, or non-digital residents.Water utilities
9.5.4Non-English Interpretation Absence in Legal AidFailing to offer interpretation or translated materials, excluding non-English speakers from legal representation.Legal services

9.6 Administrative Burden as Exclusion · 6 practices

Fairness
§PracticeDescriptionSeen in
9.6.1Means-Testing ComplexityDesigning benefit applications with excessive documentation requirements that function as access barriers.Government services, energy assistance, low-income utility programs
9.6.2Discount-Program FrictionMaking reduced-fare or discount programs (seniors, students, low-income) difficult to apply for and maintain.Public transit
9.6.3Special-Needs ExclusionRefusing enrollment or providing inadequate accommodations for children with disabilities or special needs.Childcare, education
9.6.4Schedule RigidityRequiring full-time enrollment without offering part-time or flexible schedules, excluding families that need partial care.Childcare, education
9.6.5Pediatric UnderinvestmentAllocating minimal appointment slots or inadequate staff for children, particularly under public insurance.Dental, healthcare
9.6.6Specialist-Referral BarriersFailing to establish referral pathways for low-income patients beyond general-practice capability.Dental, mental health

9.7 Cultural Appropriation & Disrespect · 6 practices

Fairness+ Responsibility
§PracticeDescriptionSeen in
9.7.1Cultural Appropriation in BrandingCo-opting traditional practices, designs, or aesthetics from marginalized communities without attribution or compensation.Beauty, fashion, film/television, travel
9.7.2Religious Accommodation FailureFailing to accommodate religious, cultural, or spiritual practices in service delivery, or actively obstructing them.Funeral services, healthcare
9.7.3Cultural-Practice DisrespectDismissing, ridiculing, or refusing to accommodate culturally specific mourning, body-preparation, or disposition preferences.Funeral & death care
9.7.4Sacred-Site Tourism Without ConsentOperating tours to indigenous or sacred sites without community permission or benefit sharing.Travel/tourism
9.7.5Cultural CommodificationPackaging sacred ceremonies, traditional dress, or rituals as entertainment for tourists.Travel/tourism
9.7.6Indigent Burial NeglectProviding minimal or disrespectful services for indigent or unclaimed remains.Funeral & death care

9.8 Indigenous Rights Violations · 4 practices

Fairness+ Responsibility
§PracticeDescriptionSeen in
9.8.1FPIC ViolationProceeding with extraction, infrastructure, or development on indigenous lands without free, prior, and informed consent.Mining, oil/gas, renewable energy
9.8.2Cultural Heritage DestructionDestroying or desecrating cultural and archaeological sites during extraction or development.Mining, construction
9.8.3Forced DisplacementAcquiring land through coercion, inadequate compensation, or legal pressure to displace communities.Oil/gas, mining, real estate, renewable energy
9.8.4Community Benefit Agreement FailureFailing to deliver promised community investments, jobs, or infrastructure after project approval.Renewable energy, oil/gas, mining, public transit, waste management

9.9 Paywalling Public-Interest / Critical Information · 4 practices

Fairness
§PracticeDescriptionSeen in
9.9.1Public-Interest PaywallPlacing critical reporting on emergencies, public health, or elections behind paywalls that block affected communities.Media/journalism, podcasting
9.9.2Health-Emergency AI PaywallingPlacing AI answers for health, legal, or emergency queries behind a paywall.Search engines, AI assistants
9.9.3Taxpayer-Funded Research PaywallCharging exorbitant subscription fees for access to research funded by public grants.Academic publishing
9.9.4Library Lending RestrictionRestrictive ebook licensing — checkout limits, per-use fees, or arbitrary expiration — that undermines libraries.Publishing

10.2 Predatory Targeting of Financial Distress · 4 practices

Fairness+ Care
§PracticeDescriptionSeen in
10.2.1Subprime / Distress TargetingMarketing high-interest or predatory financial products specifically to low-income, minority, or financially distressed communities.Financial services, advertising
10.2.2Refund-Time Credit-Product TargetingMarketing refund advances or high-fee financial products at moments of maximum financial need.Tax preparation
10.2.3Financial-Product Targeting from Tax ReturnsUsing tax-return data to target clients for high-interest loans, refund advances, or other financial products.Tax preparation
10.2.4Family-Support Fee ExtractionImposing excessive fees on money transfers to incarcerated relatives.Prison/corrections

11.1 Worker Misclassification · 5 practices

Fairness+ Responsibility
§PracticeDescriptionSeen in
11.1.1Forced Contractor StatusClassifying workers as independent contractors when the role meets the legal definition of employment.Ride-hailing, food delivery, gig economy, cleaning, construction, plumbing, home services, logistics, gaming, oil/gas, waste management, wedding
11.1.2Permanent-Temp ClassificationAssigning workers to indefinite temporary or contract status to avoid benefits and protections.Staffing/temp agencies, gaming
11.1.3Perma-Lancer LoopsCycling workers through successive contract terms or agencies to prevent conversion to permanent.Staffing/temp
11.1.4Misclassification Feedback LoopUsing industry-wide misclassification as a benchmark, pressuring competitors to follow.Gig economy
11.1.5Buyout-Fee SuppressionSetting prohibitively high temp-to-perm conversion fees to discourage clients from hiring directly.Staffing/temp

11.13 Pay Disparity & Discrimination · 2 practices

Fairness+ Responsibility
§PracticeDescriptionSeen in
11.13.1Demographic Pay GapsMaintaining persistent pay disparities for women, people of color, or LGBTQ+ workers compared to peers in equivalent roles.Film/television, internal company
11.13.2Salary History ExploitationUsing prior salary to set compensation, perpetuating historical pay gaps.HR/recruitment

12.7 Monopoly Rent Extraction · 7 practices

Fairness+ Responsibility
§PracticeDescriptionSeen in
12.7.1Commission / Fee EscalationProgressively increasing platform commissions, license fees, or per-seat pricing without proportional value, exploiting switching costs.Cloud/SaaS, food delivery, e-commerce, mobile carriers
12.7.2Forced Advertising ParticipationMaking seller advertising mandatory through reduced visibility for non-participants.E-commerce
12.7.3Search Ranking Pay-to-PlayRequiring sellers to purchase advertising for organic search visibility, blurring ads and results.E-commerce, food delivery
12.7.4Forced Promotion ParticipationEnrolling restaurants in discount or free-delivery campaigns without consent, with cost absorbed from margins.Food delivery
12.7.5Algorithmic Discovery Pay-to-PlayRequiring payment for favorable algorithmic placement, chart positioning, or editorial featuring.Podcasting, music
12.7.6Phone Service Monopoly in Captive MarketsGranting exclusive telecom contracts that eliminate competition.Prison/corrections
12.7.7Publisher Dependency ExploitationLeveraging traffic dominance to impose unilateral terms on publishers (revenue share, format, content access).Search engines

12.9 Merchant / Seller Exploitation · 4 practices

Fairness+ Responsibility
§PracticeDescriptionSeen in
12.9.1Seller Data ExtractionRequiring sellers to share detailed product, pricing, and sales data that the platform then uses to compete against them.E-commerce
12.9.2Restaurant Customer-Data HoardingPreventing restaurants from accessing customer data for orders placed through the platform.Food delivery
12.9.3Supplier SqueezeUsing market power to impose below-sustainability prices on farmers, suppliers, or smaller producers.Grocery, food/beverage manufacturing
12.9.4Subcontractor Non-PaymentWithholding or delaying subcontractor payments to improve cash flow, using retainage as leverage.Construction

13.6 Supplier Squeeze & Contract Abuse · 3 practices

Fairness+ Responsibility
§PracticeDescriptionSeen in
13.6.1Below-Sustainability Pricing on SuppliersImposing prices on farmers or raw-material suppliers that drive labor abuse and environmental shortcuts.Food manufacturing, grocery, fashion
13.6.2Contract Farming ExploitationImposing one-sided contracts that transfer production risk to farmers while locking in below-market purchase prices.Agriculture
13.6.3Unfair Trade PracticesBypassing fair-trade premiums, reneging on contracts, or imposing unilateral price changes on smallholder producers.Food manufacturing

14.4 Environmental Justice Siting · 3 practices

Fairness+ Responsibility
§PracticeDescriptionSeen in
14.4.1Polluting-Facility Siting in Vulnerable CommunitiesConcentrating new infrastructure (power plants, substations, pipelines, transfer stations, landfills) in low-income or minority communities.Energy utilities, waste management, public transit, oil/gas
14.4.2Diesel Bus Retention in Polluted AreasContinuing to operate diesel buses in already-burdened communities while electrifying affluent routes.Public transit
14.4.3NIMBY ExploitationSiting renewable or other projects in low-income or minority communities to avoid affluent opposition.Renewable energy