Is your personal data changing what you pay online?

Retailers and the companies working behind the scenes can collect information about where you are, what you search for, what you buy and how you behave online. The FTC says pricing systems can use personal data to estimate how much an individual consumer may be willing to spend. That concern is now getting serious attention in Washington. On Aug. 19, 2026, the Federal Trade Commission published a proposed enforcement policy statement aimed at personalized pricing.

The FTC says it cannot ban the practice in every situation, but companies that fail to clearly tell consumers how personal data affects the prices they see could violate federal consumer protection law. So, could the information companies collect about you actually change the price, discount or product you see? Here's what the research shows and what you can do before your next online purchase.

Missed CyberGuy LIVE? Watch the replay and discover 5 ways AI can help you get better healthcare.

MARYLAND MOVES TO BAN SURVEILLANCE PRICING IN GROCERY STORES

Our free CyberGuy LIVE class, Get Better Healthcare With AI, has ended, but you can still watch the full replay. Kurt "CyberGuy" Knutsson walks you through five practical ways AI can help you organize your health history, remember important appointment details, understand complicated medical information, research prescriptions and prepare smarter questions for your doctor. No technical experience is needed.

Watch the free replay + downloadable checklist now at CyberGuyLive.com

You've probably encountered dynamic pricing already. Dynamic pricing adjusts prices based on broader conditions such as supply, demand, available inventory, time or location. Rideshare fares may rise when lots of people need cars at once. Airline tickets and hotel rooms can also change as availability and demand shift. That does not mean every shopper will always see the exact same dynamic price. 

Timing, location and other market conditions can change quickly. Personalized pricing is different because information about a particular consumer helps determine the price or offer that person receives. That means two people looking for the same product could potentially receive different offers because of information connected to them.

There's also price steering. A retailer may leave the actual prices alone while changing the order of the products shown to you. FTC research found that pricing tools can use consumer data to give certain products more prominent placement, including potentially showing higher-priced products first. The FTC says consumers generally expect prices to change because of supply and demand. What can come as a surprise is a price influenced by someone's browsing habits, buying history or other personal information.

FTC research into surveillance pricing found that third-party pricing companies can use surprisingly detailed information when helping retailers tailor prices, promotions or product rankings.

That information can include:

The FTC found that the pricing intermediaries it examined worked with at least 250 clients selling goods and services ranging from groceries to clothing. The FTC's research also found that companies can combine first-party information with data from outside sources. Those sources can include loyalty programs, reservation systems, e-commerce platforms and data brokers. That does not show that every one of those clients charges individualized prices. It does show that technology exists to combine detailed consumer information and use it to influence prices, discounts and which products shoppers see.

A newer investigation brings the Uber example much closer to today. In June 2026, Consumer Reports published results from a months-long study of Uber and Lyft pricing. The investigation used 174 volunteers who checked more than 40 routes across the U.S. For the 30 virtual routes in its analysis, Consumer Reports found a median gap of 42.4% between the lowest and highest price groups.

On some routes, people checking the same trip within minutes of one another received several different prices. Consumer Reports designed the study to reduce the effects of time-based pricing by having volunteers check routes at roughly the same time. However, the investigation could not control for every factor inside Uber's and Lyft's pricing systems, including driver supply, estimated arrival times, traffic, routing differences and network delays.

Uber and Lyft disputed Consumer Reports' conclusions. Both companies said they do not use personal data to personalize base fares and do not engage in behavioral or surveillance pricing. So, the study shows that riders can receive significantly different prices for similar trips checked around the same time. It does not prove those price differences were caused by personal data.

WHAT YOUR INTERNET PROVIDER, WEBSITES AND ADVERTISERS SEE

Online groceries have produced another eye-opening example. In December 2025, Consumer Reports, Groundwork Collaborative and More Perfect Union reported that nearly three-quarters of the grocery items they tested on Instacart were offered at different prices to different shoppers. The investigation involved 437 shoppers across four U.S. cities.

Some items showed differences of as much as 23% between the lowest and highest prices. Researchers also found that totals for identical baskets varied by an average of about 7%. Using an Instacart figure for how much a household of four spends on groceries, the researchers estimated that a similar difference over a year could amount to roughly $1,200. 

Instacart strongly disputed that annual extrapolation and said the limited tests should not be treated as though a household would continually pay higher prices throughout an entire year. The company also said the pricing tests were randomized and did not use personal information, demographics, shopping history or individual behavior to decide who received each price.

Instacart ended the item price tests in December 2025. The company now says customers shopping for the same item at the same store location at the same time will see the same item price. So, the investigation showed that Instacart shoppers could receive different prices during those tests. It did not prove that Instacart used personal profiles to select those prices.

Researchers were finding customized shopping experiences long before today's AI-powered pricing systems. In 2014, Northeastern University researchers studied 16 major retail and travel websites and found evidence of price discrimination or personalized search results on nine of them. CheapTickets and Orbitz offered reduced hotel prices to members. Expedia and Hotels.com steered some users toward more expensive hotels. Home Depot and Travelocity personalized search results for mobile users.

Priceline personalized the order of hotel search results based on a user's history of clicks and purchases. However, the researchers said those different result orders did not correlate with price, so they did not classify that Priceline example as price steering. The researchers also emphasized that most of their experiments on the 16 sites did not uncover price steering or price discrimination.

Then, in 2015, ProPublica found that The Princeton Review charged different prices for an online SAT tutoring package depending on a customer's ZIP Code. Prices for its Premier package ranged from $6,600 to $8,400. ProPublica found that people living in ZIP Codes with larger Asian populations were 1.8 times as likely to be offered a higher price, regardless of income.

The Princeton Review said its pricing was based on the costs of running its business and competitive conditions in each market. It said its prices were set by geographic region rather than a customer's race. That example was geographic pricing rather than a retailer setting a unique price for each individual shopper. It still shows how data connected to where someone lives can lead different groups of consumers to receive different prices.

There is no guaranteed trick for getting the lowest online price. However, you can reduce some of the information retailers, data brokers and tracking companies can connect to you while giving yourself more ways to compare offers.

Look at a product while signed out before logging into a retailer or loyalty account. Then compare the price or promotion after signing in. A difference does not automatically mean personalized pricing. Membership discounts and other promotions can also explain a change. Still, comparing both views gives you more information before you buy.

If you do not need a retailer account, consider checking out as a guest. That keeps the purchase from automatically becoming another entry in a logged-in shopping history. Guest checkout does not make you anonymous. A retailer may still receive information such as your email address, payment details, shipping address, browser data or device information.

When a website gives you the choice, reject optional advertising and tracking cookies. The site may still need essential cookies for things such as your shopping cart, security and payment. Rejecting optional cookies mainly reduces some tracking and advertising activity.

Retailers are only one source of personal information. Data brokers and people ssearch companies collect information from numerous sources and combine it into profiles. FTC research found that pricing systems can incorporate third-party data, including information from data brokers. Reducing what's available through those companies may shrink one part of your broader data footprint. It does not guarantee a lower price or prevent a retailer from using information it collects directly from you. Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting CyberGuy.com.

HOW SCAMMERS BUILD A PROFILE ON YOU USING DATA BROKERS

A private browsing window generally creates a separate browsing session that does not use the normal session history and most existing cookies from your regular browsing window. It does not make you anonymous. Websites may still see information such as your IP address and information you provide directly. The FTC specifically points to private browsing as one step consumers might use when trying to avoid higher personalized prices.

Look for choices such as Do Not Sell or Share My Personal Information, Your Privacy Choices or controls for targeted advertising. The options available depend on the retailer and the privacy laws that apply where you live.

Review which shopping apps can access your precise location. If an app does not need your exact location, consider switching to approximate location or turning location access off. Keep in mind that websites and apps may still estimate your general location from other information, including your IP address.

Your phone may let you limit how apps track activity across other apps and websites. Turning off unnecessary tracking can reduce some third-party data collection. It will not stop a retailer from using information you provide directly through its own app, website or account. For step-by-step instructions on iPhone and Android, see our guide to improving your digital privacy.

Cookies can help websites recognize the same browser when you return. Clearing them can remove some of those stored identifiers. However, other tracking methods may still recognize your device, and signing back into an account reconnects your activity to that account.

Before making an expensive purchase, check the retailer's website and app. Then compare the same product with other sellers. Any difference you find may have a simple explanation, but comparison shopping gives you a better picture of the available prices.

For products supported by price-history services, check whether today's deal really is lower than recent prices. A retailer's sale banner only tells you what it wants to advertise. Historical pricing can give you additional context before you buy.

A lower price may require a loyalty membership, subscription, automatic renewal or another commitment. Make sure the offer actually saves you money after those conditions are included.

A VPN can hide the public IP address assigned by your internet provider and replace it with the address of the VPN server. That can make your IP-based location appear different. The FTC specifically lists VPN use as something consumers might try when they are concerned about personalized prices. A VPN cannot erase your retailer account, purchase history, cookies or location information that an app already has permission to access. Websites may also use other signals to recognize you. For the best VPN software, see my expert review of the best VPNs for browsing the web privately on your Windows, Mac, Android and iOS devices at CyberGuy.com.

What gets my attention here is how much information can now go into deciding what we see when we shop online. We do not have evidence that every retailer is quietly setting a different price for each person, and seeing two different prices does not automatically prove personal data caused the change. What we do know is that companies have technology capable of using location, browsing behavior, shopping history and other information to shape prices, discounts and product rankings. 

My advice is to compare prices before you buy, limit tracking you do not need and avoid assuming the first offer on your screen is the best one available. The less unnecessary information you hand over, the less there is to feed into a detailed profile about how you shop.

Would you change where you shop if you learned a retailer was using your personal data to decide what price or offer you see? Let us know by writing to us at CyberGuy.com.

Sign up for my FREE CyberGuy Report

Copyright 2026 CyberGuy.com. All rights reserved.