prohibits an organization from collecting any personal information unless the individual specifically takes action to approve information collection and use.

opt-in

Explanation:

Opt-in prohibits an organization from collecting any personal information unless the individual specifically takes action to approve information collection and use. Opt-in is an express permission by a client to allow an organization collect any personal information for it's use. The opt-in is a protective clause for clients personal information, unless the clients opt's-in, the organization does not have the permission to access his/her personal information

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no, dan should reduce his discretionary spending. not long-term goals involve more planning than short-term goals do