Venmo shares your personal and financial data with PayPal companies, marketing partners, analytics firms, and financial institutions, as well as with law enforcement when required.
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 terms authorize sharing of personal and financial data with a broad range of entities including marketing partners, which under GLBA requires that users be given an opt-out right for non-affiliated third-party marketing sharing.
Interpretive note: The precise scope of which third-party sharing relationships qualify as 'sale' or 'sharing' under CCPA versus service provider arrangements exempt from opt-out requirements cannot be determined from policy language alone and depends on underlying contractual and compensation structures.
Personal and financial data collected by Venmo may be shared with PayPal affiliates, marketing partners, and analytics providers, potentially enabling targeted advertising and cross-platform profiling; users may have GLBA opt-out rights regarding non-affiliated third-party marketing sharing depending on specific data categories and partner relationships.
How other platforms handle this
Protect us, our business, our users, and others, for example to enforce our terms of service, prevent spam or other unwanted communications, and investigate or protect against fraud
we may use, retain or share information with law enforcement or others in circumstances where a person's vital interests require protection, such as in the case of emergencies.
Third-party apps use data from Gemini consistent with their own privacy policies and terms.
"We may share your personal information with PayPal and its affiliates, as well as with third-party service providers, financial institutions, marketing partners, and analytics providers. We may also share information as required by law or to protect our rights and the rights of others.Excerpt from Venmo's Privacy Policy
1) REGULATORY LANDSCAPE: GLBA Regulation P requires financial institutions to provide consumers with the right to opt out of sharing nonpublic personal financial information with non-affiliated third parties for marketing purposes.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
Search "[your state] attorney general consumer complaint" to find your state's direct complaint form
ConductAtlas detected a major restructuring of Meta’s privacy policy that removed detailed consumer rights disclosures and relocated them to separate documents.
Your genetic data may be transferred to a new owner as a business asset. Here is what the Terms of Service actually say and what you can do right now.
Get the research letter
Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
The terms authorize sharing of personal and financial data with a broad range of entities including marketing partners, which under GLBA requires that users be given an opt-out right for non-affiliated third-party marketing sharing.
Personal and financial data collected by Venmo may be shared with PayPal affiliates, marketing partners, and analytics providers, potentially enabling targeted advertising and cross-platform profiling; users may have GLBA opt-out rights regarding non-affiliated third-party marketing sharing depending on specific data categories and partner relationships.
ConductAtlas has identified this type of provision across 288 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Venmo.