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The document states that personal information including identifiers, internet and network data, and inferences derived from website interactions may be disclosed to social media, advertising, and analytics providers in a manner the policy characterizes as potentially qualifying as a CCPA sale or sharing for cross-context behavioral advertising. California residents can opt out of these disclosures.
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
This provision requires Marqeta to maintain a compliant CCPA opt-out mechanism for California residents and to honor Global Privacy Control signals as an opt-out preference signal, with the California Privacy Protection Agency as a relevant enforcement authority. The provision applies specifically to website-derived data and not to Marqeta's payment processing or card program management services, which are governed separately.
Under this provision, California residents' identifiers, browsing activity, and behavioral inferences collected from Marqeta's websites may be disclosed to advertising and analytics partners, with opt-out available via Global Privacy Control browser signals, the Digital Advertising Alliance or Network Advertising Initiative opt-out tools, or the Cookie Settings link on Marqeta's website.
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"Marqeta may disclose personal information obtained from an individual's interactions with our websites to our social media, advertising and analytics providers for the purposes of displaying advertisements and delivering targeted advertising on our websites and potentially across other businesses or third party websites, for data, analytics and for content personalization features. These disclosures may qualify as 'sales' or 'sharing' of personal information for valuable consideration or cross-context behavioral advertising. The categories of personal information we may disclose for these purposes include: Identifiers Internet/Network information InferencesExcerpt from Marqeta's Privacy Policy
1. REGULATORY LANDSCAPE: This provision directly implicates the CCPA, including the sale and sharing opt-out requirements established under the California Privacy Rights Act amendments. The California Privacy Protection Agency and the California Attorney General are the primary enforcement authorities. The provision's acknowledgment that disclosures may qualify as sales or sharing triggers CCPA requirements for a clear and conspicuous opt-out link and recognition of opt-out preference signals including Global Privacy Control. 2. GOVERNANCE EXPOSURE: Medium. The provision explicitly acknowledges that advertising-related disclosures may constitute CCPA sales or sharing, which requires a documented and functional opt-out pathway. The document states that GPC signals are recognized but notes that signal persistence may be lost upon browser changes, reinstallation, or cookie clearing, which may warrant review against California Privacy Protection Agency guidance on frictionless opt-out requirements. 3. JURISDICTION FLAGS: This provision applies specifically to California residents under the CCPA. Residents of other U.S. states covered under the Other U.S. States supplemental notice may also have opt-out rights for targeted advertising and data sales under applicable state law, as addressed in Section B of the U.S. supplemental provisions. EU and UK residents are addressed separately through cookie consent mechanisms under GDPR. 4. CONTRACT AND VENDOR IMPLICATIONS: The disclosure of identifiers, network data, and inferences to social media, advertising, and analytics providers for these purposes requires data processing agreements or equivalent contractual frameworks with those third parties. Procurement teams should confirm that contracts with advertising technology vendors include CCPA-compliant service provider or third-party terms, and that any sharing qualifying as a sale is accurately categorized for opt-out signal processing. 5. COMPLIANCE CONSIDERATIONS: Compliance teams should evaluate whether the GPC signal recognition mechanism satisfies California Privacy Protection Agency requirements for a frictionless opt-out, particularly given the stated limitations on signal persistence. Data mapping should confirm which advertising and analytics vendors receive data qualifying as sales or sharing and whether those vendor agreements are structured to support lawful CCPA processing. Annual updates to the CCPA personal information summary table should be reviewed to ensure currency.
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This provision requires Marqeta to maintain a compliant CCPA opt-out mechanism for California residents and to honor Global Privacy Control signals as an opt-out preference signal, with the California Privacy Protection Agency as a relevant enforcement authority. The provision applies specifically to website-derived data and not to Marqeta's payment processing or card program management services, which are governed separately.
Under this provision, California residents' identifiers, browsing activity, and behavioral inferences collected from Marqeta's websites may be disclosed to advertising and analytics partners, with opt-out available via Global Privacy Control browser signals, the Digital Advertising Alliance or Network Advertising Initiative opt-out tools, or the Cookie Settings link on Marqeta's website.
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