PRICES

How Much Do I Pay?

Ranges and prices are subject to change depending upon economic conditions and Ginicoe’s overriding legitimate business necessity to integrate housing that results in reducing income inequality necessary to the safe and efficient operation of Ginicoe that lowers political, social, and macroprudential risk.

WHAT 

   Consumer price is on an Ad Valorem consumption fee basis also known as a per-transaction basis.  Social Justice, Political Violence, and Macroprudential Risks are being redefined and disrupted based on a geographic per transaction basis. 

     Geographic pricing is not new to Consumers. We pay a higher price to sit in Orchestra seats (the affluent) at the concert than up in the nose bleeds (the forgotten). In-State vs Out-of-State Tuition; Taxi/Uber zone prices; SALT Tax, Iron works; Airline passenger seats; pharmaceuticals in Canada; hotel rates, FreshPlum, Amazon, Staples and videogame store Steam, gasoline zone pricing, all vary their price by geographic location some by as much as 166%.     

     Per transaction pricing may be familiar to consumers in the form of sales tax on consumer goods or services, use of ATM fees, fuel surcharges, points paid to lower your interest rate in a real estate transaction, disposal fees, handling fees, hazardous waste fees (ESG), filing fees, discount points, tips and gratuities, processing fees, convenience fees, restocking fees, checkout fees, early check-in fees, interchange fees, and credit card processing and security fees (this is us).

WHO

  Scarcity is the basis of value. Thus, necessary for the safe and efficient operation of Ginicoe’s overriding legitimate business necessity to Reduce Income Inequality by using Facial Recognition During Financial Transactions - there exists for Ginicoe’s members - to actively recruit members from the scarce protected group.  

     Scarce PLAHNET52 (P52) who live within 2 houses or apartments on either of four sides of those who commonly are more apt to live in clustered housing, or the inversion of this demographic, will improve your Social Justice Pricing Score.

Protected Groups are defined as PLAHNET52 (P52)

African Americans                              Hispanic-Americans

Alaska Native Corporations                  LGBTQIA2S            

Alaska Natives                                      Native Americans 

Asian                                                     Pacific Islander Americans

Asian Indians                                        Tribal entities

Ex-Offenders                                         52 (5A’s & 2H’s = P52)

Hasidic Jews                                        See 15 C.F.R. § 1400.1

                                                                    e.g. immigrants, Muslims, disabled, etc.  

     Your SoJOR score does not start at zero.  Having no SoJOR score is not the same as having a zero SoJOR score.  While the starting point of SoJOR is 300, starting this low is unlikely unless you have not signed up or you consistently choose not to do your part in improving Social Justice to reduce income inequality for our Nation. 

HOW IT WORKS

     Ginicoe protects you with our patented facial recognition system and method at the POS plus gurantees your merchant that their fraud risk is reduced.  In return you agree to pay Ginicoe a small per-transaction fee, about the size of a restaurant tip, everytime you use your credit/debit card at any of our 5000+ approved card acceptance point of interaction. We protect consumers with our ‘patented products’ even if your data suffers

·      A data breach,

·      Account Fraud

·      Account Takeover Fraud (ATO) by the bad guys,

·      Credit Card Theft

·      Driver License Number Misuse

·      Friendly Fraud

·      Home Title Fraud

·      Identity Cloning (imposters, dopplegangers)

·      Mortgage Fraud

·      New account openings is your good name,

·      Online Shopping Fraud (coming soon)

·      Senior Identity Theft

·      Social Security (SSI / SSD) Identity Theft

·      Tax Refund ID Theft

·      Unemployment ID Theft

·      Utilities (phone, electric, gas, etc) Fraud

The above list is all related to your Social Justice Outerchange Rating (SoJOR).  The Scores range from 300 – 850 (worst to best). As a reminder and taken from the SoJORPage, these are the weighted values:

                                                                     Weighted Score

Housing                850   x           55%                    467.5

Positive Verbal     850   x           35%                    297.5

Gender                 850   x             5%                      42.5

Income                 850   x             5%                      42.5

Total                                          100%                    850.0

Housing Profile

     Contributing 55% to your SoJOR is this category. It has the greatest effect on improving your score.  There is a direct correlation between homeownership and building wealth.  

Given:

ü Total US Population is about 300Million as of 2024

ü Total White Race comprises about 61.6% = 62%.

ü All else comprise about 38.4% = 38%

To get to a more perfect Union by way of compelling Members of The House of Representatives to actually solve their districts' problems instead of by dividing our Country and congressional districts by race. The upper chamber (The Senate) has no direct effect on gerrymandering. We must not allow these elected members a free ride for them to gerrymander congressional districts and pick us - where real justice should allow us to pick them based on policy and not race or zip codes. To reduce the income inequality gap by integrating housing we must hit our

Desirable goal to put Ginicoe out of business where every consumer has at least a 781 SoJOR. To achieve this

there must be 2 European-American houses for every 1 P52 house.

How we Compute your Housing Score

Given: 

Ø There are 4 houses or apartments around P52: left, right, front and back.  Each house can only

    be one thing

·      Empty, meaning abandoned, condemned, etc., or

·      No SignUp to Ginicoe - this hurts your score the most, or

·      Segregated European-American, or

·      segregated P52.

Applying this calculation, simply plug your SoJOR into the chart to determine your consumption

security services Ad Valorem Fee:

Positive Verbal Conversation

   Contributing 35% to your SoJOR score. Download the Ginicoe Mobile App from the GooglePlay Store or Apple Store. You are encouraged to rate those outside your race on a scale of 0 stars being the worst communication you experienced up to and including 5 stars being the best communication you experienced.  Scores are refreshed monthly or greater, depending upon how often you converse.

Gender

 Contributing 5% to your SoJOR. How do you self-identify?

Income

  Contributing 5% to your SoJOR score.

Find your income range at our SoJOR score page here.

WHERE

     Your transactions are protected everywhere in 6 channels:

1.   Physical bricks-n-sticks point of interaction (POI) and point of sale (POS) terminals.

2.   Mobile channel e.g. mCommerce (coming soon)

3.   Web Portal e.g. eCommerce, Online shopping, etc. (coming soon)

4.   Kiosks (coming soon)

5.   Chat bots (coming soon)

6.   New account Desktops everywhere (coming soon)

WHEN

     All the time.

Housing Use Case Scenarios:[1]

1.   The desired goal is 2 European-American houses for every 1 P52 house. In evaluating the four sides of Donald’s house (rent or own) (left, right, front, back) and Donald is not of the P52 protected group, and the remaining 3 sides (rent or own) are also not of the P52 protected group. Donald’s SoJOR is:

Housing                     300  x  55% =  165

Positive Verbal          300  x  35% =  105

Gender                      300  x   5%  =    15

Income                      300  x   5%  =    15

Donald’s Total Score                    =    300 

Donald can learn how to improve his score here.

 Housing Use Case Scenarios:[2]

2.    The desired goal is 2 European-American houses for every 1 P52 house. There are 4 houses surrounding Bakari’s house (rent or own) (left, right, front, back; distance is not a factor) and Bakari is of the P52 protected group, and the remaining 3 houses (rent or own) are 1 is not P52, 1 house is empty, and 1 house is not P52.

Housing                     850  x  55% =  467.5

Positive Verbal          850  x  35% =  297.5

Gender                      850  x   5%  =    42.5

Income                      850  x   5%  =    42.5

Bakari’s Total Score                      =     850 

3.    The desired goal is 2 European-American houses for every 1 P52 house. In evaluating the four sides of Kelly’s house (rent or own) (left, right, front, back) and Kelly is a

Housing                        739 x 55%    =   406.45

Positive Verbal             750 x  35%   =   262.50

Gender                         325 x    5%   =    16.25

Income                         820 x    5%   =     41.00

Kelly’s Total Score                             =   726.20

Exempt from SoJOR Housing Score

     As a reminder, consumer’s housing component makes up over half, or 55% of the SoJOR. Consumers who are in the listed 'exempt' housing category will never fall below 781.  However, all consumers are encouraged to improve their overall scores.  Consumers who enjoy this Housing exempt safeguard may opt-in and participate to help our Nation become a more perfect union, pursuant to the guidelines above. Exempt Consumers are still scored on the remaining 3 components: Positive Conversation, Gender, Income.

Exemptions include:

-Tribal Lands

-Ancestral Grounds                             

-Farmers, including Family Farms

A family farm is exempt. It is any farm in which the majority of the business is owned by an operator and any individuals related to them by blood, marriage, or adoption, including relatives who do not live in the operator’s household.

-       Ranchers

A ranch is also exempt. It is by most definitions defined as between 400 to 500 acres or more in size, and devoted primarily to livestock (although there is some variation depending on the region and how it's managed). In some areas, a ranch may have a specific legal definition.

Also exempt is

-       Natural Disaster Victims due to Fires, floods, hurricanes, earthquakes, tornadoes, tsunamis, mudslides, and similar housing and community natural disasters. Victimized consumers by State and County as designated by FEMA are exempt for 24 months after FEMA closes the case.  (Ex:  18mo of FEMA + 24mo = 42mo) An extension to 36 or 48 months from the news coverage date may be granted on a case-by-case basis. The maximum exemption by county will never exceed 48 months for the same event. All victims are strongly encouraged to build back better to improve the heavily weighted housing component of SoJOR.

Also Exempt from the Housing Component are:

-       Senior Citizens age 80 or older

-   Disabled Veterans

-       Episodes of extreme, unusual weather or other man-made events that create a natural environment ripe for conflict or large-scale humanitarian crises of human migration & refugee relocation are also exempt. E.g. war, environmental disaster, or otherwise designated by Ginicoe Management from the time of occurrence to its reasonable conclusion.

-       Dedicated commercial property (mixed-use is not exempt), mobile & trailer homes, group homes, on-campus student housing, correctional facilities, military bases, health care facilities, temporary lodging, hotels, motels, and shelters are all also exempt.

Not Exempt from your Housing Score

    -   Man-made Disasters – when an event organizer is granted a permit to protest, assemble, parade, rally, march, chant, sing, display slogans, sit-in, picket, demonstrate, participate in the blockade of food, medical, or political expression on land, air, or sea or technology or other forms of expression and if that organizer is racially or ethnically or religiously controversial and/or targeted against or in favor of PLAHNET52, then the reality is such that opposing demonstrators invariably will contest or clash one another.

It is that clash that often triggers insurance claims of property damage, defamation, injury, or in the worst-case scenario – loss of life.  Events that trigger these insurance claims will result in a downgrade to speculative or junk of the venued municipal bond that granted the permit in the first place. For these purposes, the event organizers will receive an auto-generated lower SoJOR. 

Other non-exempt events include labor/management strikes and it's cascading effect.

Time Share plans and dwellings are not exempt.

Exemptions From Positive Conversation

Consumers diagnosed as being mute, aphasia, selective mutism, speech disability, deaf, hard of hearing, Dysarthria, speech impediments, or related disabilities will never fall below 781.

Disputing Your SoJOR Score

     Read more about Disputing Errors on Your Social Justice Outerchange Rating found in our Terms and Conditions Statement.