Chime updated its privacy notice on June 21, 2026, with a version change from 08/2017 to 06/2026. The updated notice includes reorganized sharing tables that now separately detail reasons Chime shares customer information, explicit clarification that Chime shares information for joint marketing with other financial companies (previously listed as 'No We don't share'), and reformatted disclosure sections. The most material operational change is the shift in how joint marketing sharing is disclosed: the prior version stated Chime does not share for joint marketing, while the updated version indicates Chime does authorize this sharing, though customers retain the ability to limit it.
The updated privacy notice now explicitly discloses that Chime shares customer information with other financial companies for joint marketing purposes, whereas the prior 2017 version stated Chime did not engage in this sharing. This represents a material change in the stated data handling practice. Under the updated terms, customers can limit this sharing by logging into their Chime account at chime.com or through the Chime Mobile application and updating their Privacy Settings.
The updated notice materially changes Chime's stated data-sharing practice by explicitly authorizing sharing of customer financial information with other financial companies for joint marketing. This reverses the prior 2017 notice, which stated Chime did not engage in this sharing. The change is operationally significant because it creates a new disclosure obligation and may require downstream organizations that rely on Chime's data handling practices to update their own privacy notices, vendor agreements, or customer disclosures.
→ Log into your Chime account at chime.com or use the Chime Mobile application
→ Navigate to Privacy Settings
→ Adjust sharing preferences to limit sharing for joint marketing if you do not wish to be included in such sharing
→ Customer information will be shared with other financial companies for joint marketing purposes as stated in the updated notice.
→ Customers who do not update their Privacy Settings will remain enrolled in joint marketing data sharing by default.
ConductAtlas has recorded 4 material changes to this document over 63 days of monitoring (since April 2026).
3 of Chime's significant changes have been classified as negative for consumers.
Updated to explicitly authorize sharing of customer information with other financial companies for joint marketing, with opt-out mechanism available through account privacy settings.
Customers can limit joint marketing sharing by updating Privacy Settings in their Chime account at chime.com or via the Chime Mobile application.
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
Customers are now told that their financial information may be shared with other banks and companies for marketing purposes, and they can opt out through their account settings.
Chime's updated privacy notice (effective June 21, 2026) materially revises its disclosure of data-sharing practices, specifically regarding joint marketing with other financial companies. The prior notice (08/2017) stated 'No We don't share' for this category; the updated notice now states 'Yes' to sharing for this purpose, with an opt-out mechanism available. This shift may trigger vendor risk assessment requirements for organizations that have Chime banking services in their operational stack, particularly those subject to GLBA privacy program obligations or those handling customer account data. Compliance teams should verify whether this change has been reflected in data processing agreements (DPAs) or privacy notices provided to end customers.
GLBA (Gramm-Leach-Bliley Act) and its implementing regulations (particularly the Privacy Rule, 16 CFR Part 313, and the Safeguards Rule). The change involves disclosure of consumer financial information sharing practices, which falls directly under GLBA's scope. The change may also be subject to state privacy laws (e.g., CCPA, VCCPA) depending on customer residence, though GLBA generally governs financial institutions. CFPB (Consumer Financial Protection Bureau) may have supervisory interest in whether disclosure accuracy and consumer opt-out mechanisms are properly implemented.
Full compliance analysis
Obligation analysis, escalation trigger, board language, and recommended action.
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-003142.
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