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 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 na…
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
Our Services are not directed to children under the age of 13. 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 without parental consent, we will take steps to delete such information. In some juris...
Our services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13 without parental consent, we will take steps to delete that information.
The Waze App is not intended for use by children. We do not knowingly collect personal information from children under the age of 13 (or the applicable age of digital consent in your jurisdiction, which may be higher, such as 16 in certain EU member states). If we become aware that we have collected...
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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 9 platforms. See the full comparison.
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