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The document states that Marqeta's website services are not directed at individuals under 16, that Marqeta does not intentionally collect personal data from this age group, and that any such data discovered will be promptly deleted. The age threshold of 16 is higher than the COPPA threshold of 13.
This analysis describes what Marqeta'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 document sets the age threshold for children's data protection at 16, which aligns with GDPR Article 8's default age of digital consent in the absence of member state modification, and exceeds the COPPA threshold of 13 applicable in the United States. The CCPA supplemental notice separately confirms that Marqeta does not disclose personal information of individuals under 16 for monetary or other valuable consideration.
Under this provision, parents or guardians who believe a child under 16 has provided personal data to Marqeta can contact privacy@marqeta.com or call (877) 962-7738 to request deletion of that data. The policy states that Marqeta will promptly delete such data upon discovery.
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"The Services described in this Notice are not targeted at or directed at children under the age of 16 and we do not intend to, or knowingly collect, the personal data from these individuals. If you have reason to believe a child under the age of 16 has provided personal data to us, please have the child's parent or guardian contact us via the details in the 'Contact Us' section to request the removal of that information. If we ever learn that personal data of a child under the age of 16 has been collected, we will promptly delete that information.Excerpt from Marqeta's Privacy Policy
1. REGULATORY LANDSCAPE: This provision engages COPPA, which applies to online services directed at children under 13 in the United States and requires verifiable parental consent before collecting personal information. The GDPR Article 8 default age of 16 for digital services is reflected in this provision's threshold. The FTC is the primary COPPA enforcement authority. The CCPA's prohibition on selling or sharing personal information of individuals under 16 without affirmative consent is separately addressed in the California supplemental notice. 2. GOVERNANCE EXPOSURE: Low. The policy's use of a 16-year age threshold is consistent with GDPR requirements and exceeds the COPPA minimum, reducing the risk of inadvertent collection of data from individuals in the 13-15 age range. The CCPA supplemental notice's explicit confirmation that no sale or sharing of under-16 data occurs provides additional compliance documentation. 3. JURISDICTION FLAGS: The 16-year threshold aligns with GDPR Article 8 default provisions but some EU member states have set lower thresholds (down to 13 years) under national implementing legislation. In the United States, COPPA's 13-year threshold is the operative minimum for directed-at-children services. The document's 16-year threshold exceeds both the COPPA minimum and several EU member state thresholds. 4. CONTRACT AND VENDOR IMPLICATIONS: Third-party analytics and advertising vendors who receive data from Marqeta's website sessions should be assessed for their practices regarding under-16 data in light of the COPPA and CCPA provisions applicable to this age group. Vendor contracts should address obligations upon discovery that data from individuals under 16 has been collected. 5. COMPLIANCE CONSIDERATIONS: Compliance teams should confirm that there are no services or features accessible through the website that are directed at users under 16, and that age-gating or affirmative age verification mechanisms are in place where appropriate. The policy's commitment to prompt deletion upon discovery of under-16 data should be supported by documented procedures for identifying and acting on such data in internal systems and with service providers.
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The document sets the age threshold for children's data protection at 16, which aligns with GDPR Article 8's default age of digital consent in the absence of member state modification, and exceeds the COPPA threshold of 13 applicable in the United States. The CCPA supplemental notice separately confirms that Marqeta does not disclose personal information of individuals under 16 for …
Under this provision, parents or guardians who believe a child under 16 has provided personal data to Marqeta can contact privacy@marqeta.com or call (877) 962-7738 to request deletion of that data. The policy states that Marqeta will promptly delete such data upon discovery.
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