Chime's services are not intended for children under 13 and the company states it does not knowingly collect data from minors under that age.
This analysis describes what Chime's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This is a standard COPPA compliance statement; parents should be aware that Chime does not have mechanisms designed for minors and any account opened by someone under 13 would be subject to deletion.
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.
View change record →The updated policy no longer explicitly discloses whether Chime or its banking partner The Bancorp shares personal information for specific purposes such as marketing, joint marketing, or affiliate use. Previously, each sharing scenario included a 'Yes' or 'No' answer and stated whether customers could limit sharing. The revised policy directs users to login to chime.com or the Chime Mobile application and update their Privacy Settings to control sharing. You can adjust sharing preferences through your account settings, but the policy no longer itemizes which sharing practices are subject to customer limits.
View change record →The updated notice states Chime no longer shares your personal information (such as transaction history and creditworthiness) with other financial companies for joint marketing purposes. This is a narrowing of third-party data sharing compared to the prior language. The notice also clarifies that Chime does not share certain affiliate information, which may further limit how your data is used by related companies. These changes reduce the scope of data sharing disclosed in the privacy notice.
View change record →Chime's financial services are restricted to users 13 and older based on this policy; if a child under 13 has opened an account, parents or guardians can contact Chime to request deletion of the child's information.
How other platforms handle this
The Service is intended for general audiences and is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe that your child under the age of 13 has provided us with personal information without your cons...
Our Services are not directed to children under 13. If you learn that anyone younger than 13 has unlawfully provided us with personal data, please contact us at privacy@medium.com.
To access and use the Services, you must be at least the age of majority in the state, province, or territory where you live or at least 18 years of age. If you are under the age of 13, you may not use the Services and you should not be visiting the Sites or using the Services.
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"Our services are not directed to individuals under the age of 13, and we do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will take steps to delete that information.— Excerpt from Chime's Chime Privacy Policy
REGULATORY LANDSCAPE: The Children's Online Privacy Protection Act (COPPA), enforced by the FTC, prohibits the collection of personal information from children under 13 without verifiable parental consent. This provision represents Chime's standard COPPA compliance posture. Given that Chime offers financial services including bank accounts and debit cards, the practical age threshold for account opening is likely higher due to contractual capacity requirements under state law. GOVERNANCE EXPOSURE: Low. The provision is consistent with standard COPPA compliance language. The financial services context means that state law minimum age requirements for contracts (typically 18) provide an additional practical barrier to underage account opening beyond the COPPA threshold. JURISDICTION FLAGS: COPPA applies uniformly at the federal level in the US. Some states, including California under CPRA, provide expanded protections for minors aged 13 to 16 that may require additional compliance steps beyond COPPA's under-13 requirements. Chime should assess whether its practices regarding users aged 13 to 17 satisfy applicable state law requirements. CONTRACT AND VENDOR IMPLICATIONS: Advertising technology agreements should include representations that third-party ad targeting is not directed at children and that data from underage users will not be shared with advertising partners. COMPLIANCE CONSIDERATIONS: The age verification mechanism used at account opening should be reviewed to confirm it provides a reasonable basis for the COPPA compliance assertion. If any advertising technologies in use engage in interest-based targeting that might reach minors, those practices should be reviewed against COPPA and CCPA minor-specific provisions.
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This is a standard COPPA compliance statement; parents should be aware that Chime does not have mechanisms designed for minors and any account opened by someone under 13 would be subject to deletion.
Chime's financial services are restricted to users 13 and older based on this policy; if a child under 13 has opened an account, parents or guardians can contact Chime to request deletion of the child's information.
ConductAtlas has identified this type of provision across 11 platforms. See the full comparison.
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