I prefer the Halo solution. Not the enforced lifespan. But an AI says he would be stuck in a loop trying figure out increasingly harder math mysteries, and helping out the short lived humans helps him stay away from that never ending pit.
Coincidentally, the forerunner AI usually went bonkers without anybody to help.
The whole point is that everything is in an official ledger, that can be argued over in front of a judge.
Best you can do is say you don’t consent for your data to be sold. Find a smaller bank or a credit union where they have to give a shit about their customers.