Payment data is highly sensitive financial information; while Spotify limits storage of full card numbers, your purchase history and payment method details are retained and used for billing, fraud prevention, and potentially other purposes.
Spotify collects extensive personal data including your listening habits, inferred interests, voice recordings, precise payment details, and device sensor data, using it for advertising, personalization, and sharing with third-party partners. Free-tier users in particular are subject to tailored advertising based on their listening behavior and demographic data, while all users' data may be shared with advertising partners and transferred internationally. You can opt out of tailored advertising and download your personal data at spotify.com/account/privacy.