Venmo Privacy Policy

This document is Venmo's U.S. Privacy Statement, governing the collection, use, and sharing of personal information by Venmo (a PayPal subsidiary) in connection with its peer-to-peer payment platform, and it operates under a consent-through-use framework consistent with U.S. financial services norms. The policy states that Venmo collects identifiers, financial account information, transaction data, device and usage information, location data, and communications content, and the terms authorize sharing this information with PayPal affiliates, service providers, financial institutions, marketing partners, and other third parties. The policy's default public transaction feed — which the terms indicate makes payment descriptions visible to other users unless manually set to private — is operationally distinct from many peer financial services and creates a persistent social visibility layer around financial activity; the agreement asserts broad sharing authority with affiliates and marketing partners that may warrant evaluation under applicable consumer financial privacy law. The policy engages the Gramm-Leach-Bliley Act (GLBA) and its implementing Regulation P, the California Consumer Privacy Act (CCPA) and its CPRA amendments, and the Children's Online Privacy Protection Act (COPPA), with CFPB and FTC serving as primary federal enforcement authorities; GLBA's opt-out framework for sharing with non-affiliated third parties for marketing creates a material compliance consideration, and CCPA grants California residents rights to know, delete, and opt out of sale or sharing that the policy describes as available. State-level financial privacy laws in states such as Vermont and California may impose additional constraints on affiliate data sharing beyond what federal GLBA baseline permits.