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 right is available only to California residents and provides an opt-out mechanism that is not available to all customers under the general joint marketing sharing terms.
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 →If you are a California resident, you can actively opt out of joint marketing using one of two specified channels.
How other platforms handle this
California residents have the right to request certain information regarding our disclosure of personal information...to third parties for their direct marketing purposes unless we provide them with an ability to exercise choice regarding such disclosures.
You may also change your preference and "opt out" of receiving certain marketing communications from us by clicking the unsubscribe link included at the bottom of all such communications...
To opt out of the offline disclosure of your information to third parties for these purposes, please email us at privacy@makenotion.com.
"California residents can opt-out of joint marketing through the Chime Privacy Hub or through our California Financial Information Privacy Act Opt-Out FormExcerpt from Chime's Privacy Policy
Ad personalization controls removed. Contact scanning added. Advertiser data partnerships quietly dropped. A timeline of every change.
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This right is available only to California residents and provides an opt-out mechanism that is not available to all customers under the general joint marketing sharing terms.
If you are a California resident, you can actively opt out of joint marketing using one of two specified channels.
ConductAtlas has identified this type of provision across 289 platforms. See the full comparison.
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