> We own and operate our proprietary platform, but we do not own, control or store customer data or the underlying data maintained by independent data sources.

This seems like a critical sentence. Is this database actually operated by IDMerit, or someone else? If so, who?

Most countries already have whistleblower laws. If you are living somewhere that has any kind of "wrongful termination" legislation, an employer asking you to commit a crime is an open and shut case. I would guess that all of the USA and Europe would have existing sufficient protections, for example (although the US never ceases to surprise me).

There is in fact nothing wrong with a middle man who provides a service, as long as their power over you is limited to the provision of the service. The "tech platforms" are not middle men in this sense. They don't just provide a service, they also own aspects of your personal life.

"extremely successful business decision" and "inherently disliked" can both be true. Increasing fees quite often works out for the business too, but consumers don't generally like it.