Chime uses LiveRamp, an identity resolution service, to link your activity across different devices and platforms for marketing purposes.
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
Identity resolution services like LiveRamp can connect your Chime activity to your broader online identity across websites, apps, and devices, potentially creating a richer advertising profile than traditional tracking alone.
Interpretive note: The precise scope of data shared with LiveRamp and the contractual restrictions on its use are not enumerated in the policy text; the compliance implications are inferred from the known operation of identity resolution services and applicable regulatory frameworks.
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 →Your Chime app or website activity may be linked to your broader cross-device digital identity through LiveRamp's identity graph, meaning your financial app behavior could inform advertising targeting you receive on entirely unrelated platforms and websites.
How other platforms handle this
When you use them, we'll validate your request by verifying your identity (for example, by confirming that you're signed in to your Google Account).
To protect your privacy, we will take steps to verify your identity before fulfilling your request, such as by requiring you to submit your request via your account.
we may need to request specific information from you to help us confirm your identity and ensure your right to access your Personal Data (or to exercise any of your other rights). This is a security measure to ensure that Personal Data is not disclosed to any person who has no right to receive it.
"We work with identity resolution partners, including LiveRamp, to help us connect your activity across different devices and platforms and to assist with our marketing and advertising efforts.Excerpt from Chime's Privacy Policy
REGULATORY LANDSCAPE: LiveRamp's identity resolution services involve the matching of first-party identifiers to cross-site identity graphs, which may constitute sharing of personal information with a third party under CCPA and CPRA.
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Identity resolution services like LiveRamp can connect your Chime activity to your broader online identity across websites, apps, and devices, potentially creating a richer advertising profile than traditional tracking alone.
Your Chime app or website activity may be linked to your broader cross-device digital identity through LiveRamp's identity graph, meaning your financial app behavior could inform advertising targeting you receive on entirely unrelated platforms and websites.
ConductAtlas has identified this type of provision across 289 platforms. See the full comparison.
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