Plaid · Plaid Terms of Use · View original document ↗

Data Sharing with Third-Party Developer Clients

High severity Unique · 0 of 343 platforms
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This analysis describes what Plaid'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

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

This provision establishes the operational scope of data sharing within Plaid's ecosystem: financial data flows from users to developers through Plaid's infrastructure, but governance of developer data practices falls outside Plaid's contractual responsibility. The clause allocates responsibility for developer compliance to the developer-user relationship rather than to Plaid's terms.

Consumer impact (what this means for users)

Users who connect to developer applications through Plaid authorize financial data disclosure to those developers under this clause. The terms establish that users' recourse for developer data misuse derives from developers' own privacy policies and terms, not from Plaid's data protection obligations.

How other platforms handle this

Ledger Medium

At Ledger, earning and maintaining our users' trust is a top priority. That's why we are deeply committed not only to protecting your privacy and securing your personal data, but also to being fully transparent about how we handle it.

Skillshare Medium

We may share your information with third-party vendors and service providers that perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance. We may also share your information with third-party advertising p...

Bumble Medium

We may also share your personal information with third parties that assist us in providing our services, or where we are under an obligation to report to. But rest assured: we will only ever share your personal information in the limited circumstances described in this Policy.

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▸ View Original Clause Language DOCUMENT RECORD
"
Plaid provides services to third-party companies and developers ('Developers') who use Plaid's technology to build applications and services. When you connect to a Developer's application, you authorize Plaid to share your financial information with that Developer. Plaid is not responsible for the data practices of Developers, and you should review the Developer's privacy policy and terms of service before using their application.

— Excerpt from Plaid's Plaid Terms of Use

Applicable regulations

CCPA/CPRA
California, USA
Connecticut Data Privacy Act Amendments
US-CT
CAN-SPAM
United States Federal
FCRA
United States Federal
FTC Act Section 5
United States Federal
GDPR
European Union
GLBA
United States Federal
Indiana Consumer Data Protection Act
US-IN
Kentucky Consumer Data Protection Act
US-KY
Universal Opt-Out Mechanism Expansion 2026
US

Provision details

Document information
Document
Plaid Terms of Use
Entity
Plaid
Document last updated
May 5, 2026
Tracking information
First tracked
May 7, 2026
Last verified
May 9, 2026
Record ID
CA-P-004864
Document ID
CA-D-00535
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
46f21c2f172027b217f13228d920b9779c4efb29a5533b2408125baf80cbcec7
Analysis generated
May 7, 2026 09:31 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Plaid
Document: Plaid Terms of Use
Record ID: CA-P-004864
Captured: 2026-05-07 09:31:54 UTC
SHA-256: 46f21c2f172027b2…
URL: https://conductatlas.com/platform/plaid/plaid-terms-of-use/data-sharing-with-third-party-developer-clients/
Accessed: July 4, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
High
Categories

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Frequently Asked Questions

What does Plaid's Data Sharing with Third-Party Developer Clients clause do?

This provision establishes the operational scope of data sharing within Plaid's ecosystem: financial data flows from users to developers through Plaid's infrastructure, but governance of developer data practices falls outside Plaid's contractual responsibility. The clause allocates responsibility for developer compliance to the developer-user relationship rather than to Plaid's terms.

How does this clause affect you?

Users who connect to developer applications through Plaid authorize financial data disclosure to those developers under this clause. The terms establish that users' recourse for developer data misuse derives from developers' own privacy policies and terms, not from Plaid's data protection obligations.

Is ConductAtlas affiliated with Plaid?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Plaid.