Stripe uses your personal data — including transaction history and device information — in automated fraud detection systems, relying on its 'legitimate interests' as the legal basis rather than your consent.
This analysis describes what Stripe'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 clause establishes the legal basis for Stripe's automated processing of user data for security purposes, enabling the deployment of machine learning systems to identify and prevent fraudulent and harmful activities across the platform.
Your financial and behavioral data may be processed by automated machine learning systems for fraud risk scoring without your consent, and this processing may affect your ability to complete transactions or use financial services if you are flagged.
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We rely on our legitimate interests or those of a third party where they are not outweighed by your interests and fundamental rights, to process the following information: Contact Information, Identity Information, User-Generated Content Information, Booking Information, Job Applicant Information – ...
Target reserves the right to change these Terms at any time. We will post notification of changes to these Terms on this page. Your continued use of the Target Services after any changes to these Terms constitutes your acceptance of the new Terms.
We reserve the right, at our sole discretion, to amend these Terms of Service at any time and will update these Terms of Service in the event of any such amendments. We will notify our Users of material changes to this Agreement, such as price changes, at least 30 days prior to the change taking eff...
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"We use Personal Data to detect, prevent, and mitigate fraud, abuse, and other harmful or illegal activities affecting Stripe, our users, or others. We may use automated tools and machine learning to process Personal Data for fraud detection and security purposes. This processing is based on our legitimate interests and those of third parties in maintaining secure and reliable Services.— Excerpt from Stripe's Stripe Privacy Policy
REGULATORY FRAMEWORK: Use of automated processing for fraud detection implicates GDPR Art. 6(1)(f) (legitimate interests), Art. 22 (automated decision-making with legal or similarly significant effects), and Recital 71 (profiling). CCPA §1798.185 and CPRA §1798.100 provide consumers with opt-out rights for certain profiling. EU AI Act (Regulation 2024/1689) may classify high-risk AI systems used in payment fraud detection in a regulated category. FTC Act Section 5 applies to deceptive or unfair automated decision systems.
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This clause establishes the legal basis for Stripe's automated processing of user data for security purposes, enabling the deployment of machine learning systems to identify and prevent fraudulent and harmful activities across the platform.
Your financial and behavioral data may be processed by automated machine learning systems for fraud risk scoring without your consent, and this processing may affect your ability to complete transactions or use financial services if you are flagged.
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