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
The scope of customers' opt-out rights is defined and capped by federal law, meaning sharing that falls outside these three categories cannot be restricted by the customer.
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 right to limit data sharing is restricted to these three specific categories; you cannot limit other types of sharing that may occur.
How other platforms handle this
The right to request restriction of processing of Personal Data or object to processing of Personal Data carried out pursuant to (i) a legitimate interest...or (ii) performance of a task in the public interest
the right to restrict our processing of your personal data in certain circumstances.
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"Federal law gives you the right to limit only: • Sharing for affiliates' everyday business purposes – information about your creditworthiness • Affiliates from using your information to market to you • Sharing for nonaffiliates to market to you— Excerpt from Chime's Chime Privacy Policy
Ad personalization controls removed. Contact scanning added. Advertiser data partnerships quietly dropped. A timeline of every change.
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The scope of customers' opt-out rights is defined and capped by federal law, meaning sharing that falls outside these three categories cannot be restricted by the customer.
Your right to limit data sharing is restricted to these three specific categories; you cannot limit other types of sharing that may occur.
ConductAtlas has identified this type of provision across 290 platforms. See the full comparison.
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