Is it just opt out once forever or do you have to "opt out" each time they update and send you a new card holder agreement? Who has the discipline to read each

Is it just opt out once forever or do you have to "opt out" each time they update and send you a new card holder agreement? Who has the discipline to read each packet Visa sends you every few months and re-opt out each and every time? Out of pure attrition, I'm guessing 99% of their customers will eventually be "opt-in". Besides, considering that Visa, Mastercard, etc are all headed toward "data and AI" model, it's not going to matter ultimately. The entire business world is going towards collecting data and selling your data. Isn't data the "new oil"?