Chime keeps your personal information for as long as it needs to, including for legal and business reasons, even after you request deletion.
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
A deletion request may not result in complete removal of your data if Chime determines it has legal or business reasons to retain certain records, which is a standard but important limitation on the right 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 →Even if you request deletion of your personal information, Chime may retain certain data for legal compliance, dispute resolution, or business purposes, meaning deletion requests may result in partial rather than complete removal of your records.
How other platforms handle this
You may contact our privacy team with any requests of disclosure, correction, or deletion of your personal information. You may also request suspension of use or suspension of sharing of your personal information with certain third parties.
Your organization may allow you to access and export your data in order to back it up or transfer it to a service outside of Google.
Further, you may take legal actions in relation to any potential breach of your rights regarding the processing of your Personal Information, as well as to lodge complaints before the competent data prot...
"We retain your personal information for as long as necessary to provide our services, comply with our legal obligations, resolve disputes, and enforce our agreements. When you request deletion of your personal information, we will delete or anonymize your information, unless we are required to retain it by law or for legitimate business purposes.Excerpt from Chime's Privacy Policy
REGULATORY LANDSCAPE: Data retention obligations for financial institutions are governed by multiple federal and state requirements, including GLBA, Bank Secrecy Act recordkeeping requirements, and FinCEN regulations, which require retention of certain financial records for defined …
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A deletion request may not result in complete removal of your data if Chime determines it has legal or business reasons to retain certain records, which is a standard but important limitation on the right to deletion.
Even if you request deletion of your personal information, Chime may retain certain data for legal compliance, dispute resolution, or business purposes, meaning deletion requests may result in partial rather than complete removal of your records.
ConductAtlas has identified this type of provision across 289 platforms. See the full comparison.
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