A peer-to-peer payment service that allows users to send and receive money digitally through a mobile app, often used for splitting bills, paying friends, and making purchases at participating merchants. The platform processes financial transactions and maintains detailed payment histories, making its privacy and user agreement policies critical for understanding how personal financial data is collected, shared, and protected. Given the sensitive nature of financial information and transaction data involved, these policies directly impact user privacy rights and financial security protections.
High, provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium, provisions worth knowing about but with partial protections or limited scope. Low, standard terms with minimal consumer impact.
Higher = more protective of you, the user/customer — a deliberately user-protective lens, not a universal “good vs bad” score. Computed algorithmically from Venmo’s cited governance stances; no dimension we haven’t confidently read is ever counted against the score. Free, reproducible, and never purchasable.
Personal information is retained for a minimum of 10 years after the relationship ends, and an open-ended exception permits indefinite retention beyond that period.
This establishes a blanket prohibition on both the sale and sharing of personal information, extending explicitly to sensitive categories of data.
This establishes that California residents have statutory rights to transparency, access, deletion, and opt-out with respect to their personal information held by Venmo.
Using Apple's Siri or iMessage features triggers an automatic authorization for Venmo to share identifiable account data—including social graph and transaction details—with Apple.
Authorizing a third-party connection triggers a bilateral, direct transfer of personal information—not merely Venmo sharing data outward, but also receiving information from the third party about you.
This agreement sets out the rules for using Venmo, including a requirement that disputes with PayPal be resolved through binding arbitration rather than in court—unless you opt out within 30 …
This document explains what personal information Venmo collects about you—including your bank account credentials, precise location, and optionally your face scan—how long Venmo keeps it (at least ten years after …
In an update detected on August 25, 2026, Venmo expanded its arbitration terms to explicitly include a class action waiver and jury trial waiver, and added detailed qualification criteria and …
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ConductAtlas tracks 2 Venmo documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.
Venmo has made 12 policy changes in the past 12 months across the documents ConductAtlas tracks, including 1 classified as high severity.
ConductAtlas has classified 38 provisions across Venmo's tracked documents. 10 are rated high severity, 26 medium, and 2 low.
Yes. Monitor subscribers ($4.99/month) can add Venmo to their watchlist and receive same-day email alerts whenever any tracked document changes.