Using strictly my interpretation of what I read above, if the person decides not to allow their information to be used by the service, the service is not allowe

Using strictly my interpretation of what I read above, if the person decides not to allow their information to be used by the service, the service is not allowed to deny them use. That's the part I think is an issue, and of course I may be misinterpreting. I have purchased a house, and used a mortgage to do so. In getting that mortgage, I was presented with reams and reams of paper that I had to agree to and sign. The basic facts of the loan, however, were mandated by the government that they be disclosed to me in as simple and straightforward terms as possible. That mandate for disclosure should be sufficient for a person to decide to do business with a service, regardless of the nature of what is being transacted. If what I read here is accurate, it's akin to me saying "No, I won't sign any of this. Now give me my keys."