Automated credit risk profiling using behavioral and third-party data — particularly where it influences financial decisions like loan eligibility or account standing — is subject to FCRA adverse action notice requirements and CFPB supervisory oversight.
Cash App collects an exceptionally broad range of personal data including biometric facial scans, Social Security numbers, precise geolocation, and full financial account information, and uses this data to build behavioral and credit risk profiles — including by purchasing supplementary data from third-party data brokers. Your data is also explicitly used to train AI and machine learning models, and is shared with affiliates, credit bureaus, fraud detection partners, merchants, and advertising platforms. You can limit some data collection by disabling precise location access and contact list permissions in your device settings, and California residents can submit a data deletion or opt-out request via Cash App's in-app privacy settings.