What can I do about this clause?

{'method': 'WEB_FORM', 'recipient': 'https://my.plaid.com', 'difficulty': 'EASY', 'action_type': 'DELETE_DATA', 'instructions': 'Go to my.plaid.com, sign in with your email address, navigate to Privacy settings, and submit a formal data deletion request. Plaid must respond within 45 days under California law.', 'deadline_days': None, 'deadline_hours': None}

Which regulatory agencies enforce this type of clause?

{'agency': 'CFPB', 'reason': "The CFPB's proposed Personal Financial Data Rights rule under Dodd-Frank §1033 directly addresses consumer rights to access and delete financial data held by data aggregators like Plaid.", 'complaint_url': 'https://www.consumerfinance.gov/complaint/'}, {'agency': 'State_AG', 'reason': 'California AG and California Privacy Protection Agency have enforcement authority over CCPA/CPRA consumer deletion rights, including response timeframe requirements and completeness of deletion.', 'complaint_url': 'https://www.naag.org/find-my-ag/'}

What is the severity of this clause?

ConductAtlas classifies this Consumer Data Access and Deletion Rights clause as medium severity. Severity reflects the magnitude of rights affected, the breadth of users impacted, and the degree of discretion the platform retains.

Consumer Data Access and Deletion Rights — Plaid

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What it is

You can go to my.plaid.com to see which apps are connected to your bank through Plaid, disconnect them, and request that Plaid delete your personal information.

Consumer impact (what this means for users)

Consumers have a direct mechanism to revoke financial data access and request deletion of their data through Plaid's consumer portal, but this right only applies to data held by Plaid — it does not automatically delete data already transmitted to and retained by third-party app developers.

What you can do

⚠️ These actions may provide transparency or partial mitigation but may not fully address the underlying issue. Effectiveness varies by jurisdiction and individual circumstances.

Delete Your Data

Go to my.plaid.com, sign in with your email address, navigate to Privacy settings, and submit a formal data deletion request. Plaid must respond within 45 days under California law.

Cross-platform context

See how other platforms handle Consumer Data Access and Deletion Rights and similar clauses.

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Why it matters (compliance & risk perspective)

Plaid provides a centralized portal where you can audit and revoke all app connections to your financial accounts — this is a meaningful consumer control mechanism that many users are unaware of.

View original clause language

You can visit our consumer portal at my.plaid.com to see the apps that have accessed your financial data through Plaid, disconnect apps, and make requests related to your personal information, including requests to access, correct, or delete your data.

Institutional analysis (Compliance & legal intelligence)

REGULATORY FRAMEWORK: This provision implements consumer rights under CCPA/CPRA §1798.100 (right to know), §1798.105 (right to deletion), and §1798.110 (right to access). GDPR Arts. 15-17 establish equivalent rights for EU users including right of access, rectification, and erasure. GLBA §6802 opt-out rights are also partially addressed. The CFPB's proposed Personal Financial Data Rights rule (12 CFR Part 1033) would formalize data portability and access rights for financial data.

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Applicable agencies

CFPB

The CFPB's proposed Personal Financial Data Rights rule under Dodd-Frank §1033 directly addresses consumer rights to access and delete financial data held by data aggregators like Plaid.
File a complaint →
State AG

California AG and California Privacy Protection Agency have enforcement authority over CCPA/CPRA consumer deletion rights, including response timeframe requirements and completeness of deletion.
File a complaint →

Provision details

Document information

Document

Plaid Terms of Use

Entity

Plaid

Document last updated

April 29, 2026

Tracking information

First tracked

April 27, 2026

Last verified

April 27, 2026

Record ID

CA-P-003486

Document ID

CA-D-00170

Evidence Provenance

Source URL

https://plaid.com/legal/

Wayback Machine

View archived versions →

SHA-256

d237d1c00462e75d5d533b760cfa67756e21b1bc9ca5a561b65efe42daabe732

Verified

✓ Snapshot stored ✓ Change verified

How to Cite

ConductAtlas Policy Archive
Entity: Plaid | Document: Plaid Terms of Use | Record: CA-P-003486
Captured: 2026-04-27 13:43:06 UTC | SHA-256: d237d1c00462e75d…
URL: https://conductatlas.com/platform/plaid/plaid-terms-of-use/consumer-data-access-and-deletion-rights/
Accessed: May 2, 2026

Classification

Severity

Medium

Consumer Data Access and Deletion Rights