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Joint Marketing Partner Data Sharing

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What it is

The Bancorp Bank shares your personal financial information with other financial companies for joint marketing purposes, and you cannot opt out of this type of sharing.

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

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

Joint marketing sharing means your financial data can be used to market products from partner companies to you, and you have no legal right to prevent this under the federal GLBA framework.

Recent Activity

This document changed recently

Medium Apr 20, 2026

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…

Consumer impact (what this means for users)

Your account and financial profile data may be shared with other financial companies for coordinated marketing campaigns without your consent, potentially resulting in targeted financial product solicitations based on your banking behavior.

How other platforms handle this

Lime Medium

We may share your information with third-party advertising partners to provide you with targeted advertising. We also work with third-party analytics providers who help us understand how users interact with our Services. These third parties may use cookies, web beacons, and similar tracking technolo...

Oura Medium

We process personal data you provide to Oura to enable third party integrations, services, features, and offerings. For example, with your permission, our Services may integrate with third-party services like Google Health Connect and Apple HealthKit, or those of our partners. Oura takes measures to...

Substack Medium

Creators: when you subscribe to a Creator's publication, we provide them the information necessary (including your name and email address) to provide you their publication(s). Please note that Creators control their own publications; accordingly, when you interact with a Creator's publication in a w...

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Monitoring

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▸ View Original Clause Language DOCUMENT RECORD
"
For our joint marketing with other financial companies. Do we share? Yes. Can you limit this sharing? No.

— Excerpt from Chime's Chime Privacy Policy

ConductAtlas Analysis

Institutional analysis (Compliance & governance intelligence)

1) REGULATORY FRAMEWORK: Joint marketing arrangements are governed by GLBA/Regulation P (12 C.F.R. §1016.13), which permits NPI sharing with non-affiliated financial companies under a joint marketing agreement without requiring an opt-out, provided consumers are notified. The CFPB and OCC have enforcement authority. California FIPA (Cal. Fin. Code §4053.5) may impose stricter requirements, requiring opt-in for sharing with non-affiliated third parties for marketing purposes. 2)

Full compliance analysis

Regulatory citations, enforcement risk, and due diligence action items.

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Applicable agencies

  • CFPB
    CFPB enforces Regulation P joint marketing disclosure requirements and has authority over marketing data sharing practices by financial institutions.
    File a complaint →
  • State AG
    State Attorneys General, particularly in California, enforce FIPA and CCPA requirements that may impose stricter limits on joint marketing data sharing than federal GLBA.
    File a complaint →

Applicable regulations

CCPA/CPRA
California, USA
Connecticut Data Privacy Act Amendments
US-CT
CAN-SPAM
United States Federal
FCRA
United States Federal
FTC Act Section 5
United States Federal
GLBA
United States Federal
Indiana Consumer Data Protection Act
US-IN
Kentucky Consumer Data Protection Act
US-KY
Universal Opt-Out Mechanism Expansion 2026
US

Provision details

Document information
Document
Chime Privacy Policy
Entity
Chime
Document last updated
May 5, 2026
Tracking information
First tracked
May 8, 2026
Last verified
May 8, 2026
Record ID
CA-P-006621
Document ID
CA-D-00078
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
2abe49718004a1f397ca825b6b38f54ec9b89102654fa3ae82ef2e8ffea944af
Analysis generated
May 8, 2026 12:08 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Chime
Document: Chime Privacy Policy
Record ID: CA-P-006621
Captured: 2026-05-08 12:08:44 UTC
SHA-256: 2abe49718004a1f3…
URL: https://conductatlas.com/platform/chime/chime-privacy-policy/joint-marketing-partner-data-sharing/
Accessed: May 13, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
Medium
Categories

Other risks in this policy

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Built from archived source documents, structured governance mappings, and historical version tracking.

Frequently Asked Questions

What does Chime's Joint Marketing Partner Data Sharing clause do?

Joint marketing sharing means your financial data can be used to market products from partner companies to you, and you have no legal right to prevent this under the federal GLBA framework.

How does this clause affect you?

Your account and financial profile data may be shared with other financial companies for coordinated marketing campaigns without your consent, potentially resulting in targeted financial product solicitations based on your banking behavior.

Is ConductAtlas affiliated with Chime?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Chime.