Chime's updated Consumer Privacy Notice (revised February 2025) contains several substantive changes to data sharing disclosures. Most significantly, the policy now states that Chime shares customer information for joint marketing with other financial companies (changed from 'No We don't share' to 'Yes No'), and now permits nonaffiliates to market to customers with the ability to limit this sharing (changed from 'Yes Yes' to 'Yes Yes'). Additionally, the policy clarifies that when customers are no longer clients, Chime continues to share their information as described in the notice, and removes the prior language stating it does not share affiliates' transaction and experience information for everyday business purposes.
The updated privacy notice establishes new data sharing permissions. Chime now shares customer information for joint marketing with other financial companies, and explicitly permits nonaffiliates to market to customers. While the policy states you can limit nonaffiliate marketing, the addition of joint marketing with other financial companies represents an expansion of the circumstances under which your data may be shared. The policy also clarifies that when you are no longer a Chime customer, the bank continues to share your information as described in the notice. You can contact Chime to limit sharing related to nonaffiliate marketing.
The updated notice establishes new authority for Chime to share customer data for joint marketing with other financial companies, which expands the scope of permitted data sharing beyond the prior disclosed categories. This change materially affects who has access to customer financial information and for what purposes, which is operationally significant under GLBA disclosure requirements and affects consumers' ability to exercise data-sharing objections.
→ Review Chime's updated privacy notice to understand the expanded data sharing categories.
→ Contact Chime to opt out of nonaffiliate marketing if you do not wish your data shared for this purpose.
→ Your data will be shared for joint marketing with other financial companies as stated in the updated notice unless you affirmatively opt out.
→ Nonaffiliate marketers will have access to your information unless you exercise the stated opt-out right.
Policy now authorizes Chime to share customer data for joint marketing with other financial companies, changed from prior 'No We don't share' language.
Policy continues to permit nonaffiliates to market to customers with ability to limit this sharing through opt-out mechanism.
Policy clarifies that when you are no longer a Chime customer, the bank continues to share your information as described in the notice.
This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology
Your data can now be shared with other financial companies for marketing purposes in addition to prior sharing categories.
The updated notice modifies data sharing disclosures required under the Gramm-Leach-Bliley Act (GLBA) and related FTC Privacy and Safeguards Rules. The material change is the addition of joint marketing with other financial companies as a permitted sharing category, which must be clearly disclosed and subject to consumer opt-out rights where required by law. Compliance review should confirm that opt-out mechanisms are properly implemented and documented, and that the disclosure aligns with GLBA notice requirements. No immediate enforcement risk is apparent, but the change requires confirmation that all required opt-out procedures are operational.
GLBA (Gramm-Leach-Bliley Act), FTC Privacy Rule and Safeguards Rule, OCC regulations for national banks, CFPB consumer protection authority over nonbank financial companies. The updated notice falls under GLBA Section 503 disclosure and fair information practice requirements.
Full compliance analysis
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Monitor: regulatory citations + obligations. Compliance: full compliance memo.
ConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-001923.
See the full side-by-side comparison of every sentence added, removed, and modified.
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