Steve Jackson, a well-known game designer, got an offer for free credit report monitoring from his bank. When he called up the monitoring company, Intersections Inc, the customer service rep rattled off a boilerplate agreement and asked for his assent. When he asked if they would send him a copy, she said they don’t send out copies. When he asked then how he would have a record of what they agreed to, she got huffy and said, “This is free. You don’t need to worry about it.”