Generated by a model from the captured document; not read by a person

A major retail banking division of JPMorgan Chase that provides consumer banking services including checking and savings accounts, credit cards, mortgages, and personal loans to millions of customers across the United States. The bank's deposit account terms, fee structures, and privacy practices directly impact how consumers can access and use their money, what costs they may incur for banking services, and how their personal financial information is collected and shared. These policies are particularly significant given Chase's large market presence and the essential nature of banking services for everyday financial activities.

3 Documents
9 All provisions
0 Changes · 12 mo
- Last change
Objective measurements
Counted directly from the archive for Chase — documents, captured versions, and detected changes.
3
Documents tracked
6
Versions captured
0
Changes · 12 mo
0
Changes · all-time
ConductAtlas User-Protection Index
Insufficient coverage
Insufficient coverage to score
Only 1 of 6 governance dimensions are confidently known for Chase — too few for a headline score. What we do have is shown below.
How is this scored? →

Higher = more protective of you, the user/customer — a deliberately user-protective lens, not a universal “good vs bad” score. Computed algorithmically from Chase’s cited governance stances; no dimension we haven’t confidently read is ever counted against the score. Free, reproducible, and never purchasable.

General tier · insufficient coverage (scored on 1 of 6)
Arbitration & class action weight 22% not stated
AI training on your data weight 18% not stated
Data retention & deletion weight 15% not stated
Content ownership & licence weight 15% not stated
Liability & warranties weight 10% not stated
Governance Coverage
Data Usage
12 provisions
Data Collection
10 provisions
Data Sharing
9 provisions
Privacy Rights
8 provisions
Liability Limitation
2 provisions
Policy Changes
2 provisions
Other
2 provisions
Targeting Restrictions
1 provision
Restricted Content
1 provision
Key Governance Provisions
Privacy policy changes effective upon posting

Because changes take effect upon posting without a stated notice or waiting period requirement, users may be bound by updated terms without advance notification.

California residents have CCPA rights

The use of 'may have rights' rather than 'have rights' means Chase does not affirmatively guarantee CCPA rights apply; the scope of those rights is left unstated in this clause.

Advertisements targeted using account relationship data

Users' banking relationship data — including transactional history and account types — is actively used to target advertising, meaning sensitive financial behavior informs ad delivery.

Children under 13 excluded from online services

The carve-out for Chase First Banking℠ and the 'knowingly' qualifier both limit the scope of protection — Chase does not warrant against unknowing collection from minors.

Electronic transmissions may not be secure

Chase explicitly declines to warrant the security of electronic transmissions, which bears on user risk when sending sensitive information through unsecured channels.

Document Coverage
Feeschedule Privacypolicy Termsofservice
Last change detected: - Changes (12 months): 0 Documents monitored: 3 Provisions tracked: 9
Compare With Similar Platforms
Acorns ADP Adyen Affirm Afterpay Allstate Apple Pay Bank of America

Documents

Chase Privacy Notice

Medium

This document explains what personal information Chase collects about you — including your account numbers, transaction history, and data from credit reporting agencies — how Chase uses that information to …

Privacy policy
0 provisions 2 versions captured Version history →

Chase Fee Schedule

Medium

This is Chase's fee and services disclosure document for personal checking, savings, and CD accounts, covering monthly service fees, overdraft fees, wire transfer fees, ATM fees, card limits, and account …

Fee schedule
2 provisions 2 versions captured Version history →

Chase Deposit Account Agreement

Medium

This is JPMorgan Chase Bank's Deposit Account Agreement, the foundational contract governing all personal checking, savings, CD, and business deposit accounts opened at Chase. The agreement authorizes Chase to apply …

Terms of service
7 provisions 2 versions captured Version history →
📈 Policy Drift Analysis View all changes →

Selected provisions (1 of 9)

Compare Chase with other platforms →

Get the weekly coverage letter

Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.

Compare with Similar Platforms

Acorns
financial
ADP
financial
Adyen
financial
Affirm
financial
Afterpay
financial
Allstate
financial
Apple Pay
financial
Bank of America
financial

Frequently Asked Questions

What Chase documents does ConductAtlas track?

ConductAtlas tracks 3 Chase documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.

How many policy changes has Chase made in the past year?

Chase has made 0 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Chase?

ConductAtlas has classified 9 provisions across Chase's tracked documents.

Can I get alerts when Chase changes their policies?

Yes. Monitor subscribers ($4.99/month) can add Chase to their watchlist and receive an email alert after the daily check that finds a change to a tracked document. We check daily where we can, and show you where we can't.