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
This authorization establishes that personal data used for joint marketing activities is not subject to user-directed restrictions, meaning the data sharing occurs as a standard operational practice under the agreement without individual consent requirements or opt-out pathways.
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 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
We may offer joint promotions or programs that, in order for your participation, will require us to share your information with third parties. In fulfilling these types of promotions, we may share your name and other information...
we may use, retain or share information with law enforcement or others in circumstances where a person's vital interests require protection, such as in the case of emergencies.
we may share data between our affiliates for the safety and security of our users and may take necessary actions if we believe you have violated these Terms, including banning you from our Services and/or our affiliates' services...
"For our joint marketing with other financial companies. Do we share? Yes. Can you limit this sharing? No.Excerpt from Chime's Privacy Policy
1) REGULATORY FRAMEWORK: Joint marketing arrangements are governed by GLBA/Regulation P (12 C.F.R.
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This authorization establishes that personal data used for joint marketing activities is not subject to user-directed restrictions, meaning the data sharing occurs as a standard operational practice under the agreement without individual consent requirements or opt-out pathways.
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.
ConductAtlas has identified this type of provision across 287 platforms. See the full comparison.
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