Venmo collects your name, contact information, bank account and card details, transaction history, and the text you write in payment notes.
This analysis describes what Venmo'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
The policy authorizes collection of sensitive financial identifiers and transaction content that, in combination, create a detailed profile of a user's financial behavior and relationships.
The terms authorize collection of bank account details, payment card information, transaction amounts, dates, counterparties, and payment note content, which together constitute a comprehensive financial activity record associated with the user's identity.
How other platforms handle this
We collect information you provide directly to us, such as when you create an account, contact us for support, sign up for marketing emails, or otherwise communicate with us. The types of information we may collect include your name, email address, postal address, phone number, company name, job tit...
We collect information you provide directly to us, such as when you create an account, use our Services, make a purchase, or contact us for support. The types of information we may collect include your name, email address, password, phone number, credit card and other payment information, and any ot...
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.
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"We collect information you provide to us, such as your name, address, phone number, email address, and financial information including bank account and payment card details. We also collect transaction information, including the amount, date, and parties involved in each transaction, as well as the payment notes you include.— Excerpt from Venmo's Venmo Privacy Policy
1) REGULATORY LANDSCAPE: GLBA and Regulation P govern the handling of nonpublic personal financial information collected by financial institutions, including payment processors. The CFPB and FTC are primary enforcement authorities. CCPA/CPRA applies to California residents with respect to personal information categories including financial data, identifiers, and commercial information. The Electronic Fund Transfer Act governs disclosures related to electronic payment data. 2) GOVERNANCE EXPOSURE: High. The collection of bank account credentials and payment card information, combined with transaction history and payment note content, constitutes a sensitive data category under multiple regulatory frameworks. Unauthorized access to or misuse of this data creates significant regulatory and reputational exposure. 3) JURISDICTION FLAGS: GLBA applies nationwide for financial data. California CCPA/CPRA creates additional rights and obligations for California residents. Illinois, New York, and other states with enhanced financial privacy or biometric data laws may create additional exposure depending on data types collected. 4) CONTRACT AND VENDOR IMPLICATIONS: Any vendor or service provider receiving financial data categories described in this provision should be subject to data processing agreements specifying permissible uses and security standards consistent with GLBA Safeguards Rule requirements. 5) COMPLIANCE CONSIDERATIONS: Compliance teams should maintain a current data inventory mapping each collected data category (financial account details, card information, transaction metadata, payment notes) to specific storage, retention, and access controls; verify that GLBA Safeguards Rule security program requirements are satisfied; and confirm that CCPA data category disclosures in the policy accurately reflect all categories collected in practice.
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The policy authorizes collection of sensitive financial identifiers and transaction content that, in combination, create a detailed profile of a user's financial behavior and relationships.
The terms authorize collection of bank account details, payment card information, transaction amounts, dates, counterparties, and payment note content, which together constitute a comprehensive financial activity record associated with the user's identity.
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