| 摘要 |
A process by which a psychometric test is embedded within the sequence of steps for completing an e-commerce transaction, determining knowledge of and competency regarding the product or service offering, using performance scores from a psychometric testing instrument to determine whether individual or group self-selectors understand the risks of their e-commerce choices. The purpose of inserting the psychometric test as a condition for limiting, expanding, restricting, or recommending a certain array of choices is to appropriately exercise fiduciary oversight and, in so doing, reduce or eliminate fiduciary and/or other forms of liability for the vendor, provider, distributor or other party offering products, services, and/or access to content or any other form of digital media. As an individual's score increases on the test, a larger array of choices become available allowing greater opportunity for e-commerce product, service or advise customization. This screening process benefits the individual or group engaging in self-selection by limiting choices where risks are not properly understood. Additionally, the use of the test as a screener to curtail unsuitable choices affords providers and other parties a mechanism to demonstrate that they have properly exercised their fiduciary or other duties when offering e-commerce self-selection. |
