Chime Privacy Policy

Effective December 19, 2019. Chime Financial, Inc. (“we,” “us” and/or “our”) is dedicated to protecting your personal information and informing you about how we use it. This privacy policy (the “Privacy Policy,” or the “Policy”) is intended to provide information to visitors to Chime’s website and users of Chime’s mobile app (“you” or “your”) about the personal information we collect, and how we source, use, disclose, and protect your information when you access or use (1) our websites located at https://www.chime.com/, and all of our other websites to which this Privacy Policy is posted (collectively, the “Website”); (2) our mobile application(s) to which this Privacy Policy is posted (collectively, the “Application”); and (3) any services, content, communications, and product features relating to the Website and Application (together with the Website and the Application, the “Services”). This Privacy Policy covers the privacy practices of Chime only. This Policy does not apply to the practices of third-party websites, services or applications, including third parties with which we partner. These third-party services are governed by each such third party’s privacy policy. Chime is not responsible for the privacy policies and practices of websites other than that of Chime, and Chime is not responsible for the failure of unaffiliated third parties to honor their privacy obligations. This Privacy Policy is organized as follows:

HOW WE COLLECT AND USE PERSONAL INFORMATION

In the course of providing you with the Services, Chime collects certain Personal Information detailed under “What Personal Information Does Chime Collect and How Does It Use It,” below. First, here’s an overview of Personal Information generally:

What is Personal Information?

Generally, “Personal Information” refers to any piece or combination of information that identifies, relates to, describes, or can reasonably be linked or associated with you or your household.

Personal Information includes, but is not limited to:

  • Any means of identification, whether traditional, digital, or otherwise. Traditional identifiers include your name, social security number, physical address, and telephone number. Digital identifiers include your device ID, IP address, cookies, and voice recordings when you contact Chime Member Services.
  • Any information associated with your identity. This might include any information about how you use a Chime website; where you’re located when you login; what operating system you use; what Chime products and services you use; your credit score; and your financial habits. Anything about you is your Personal Information.

Some information is NOT Personal Information:

  • Public Information. Information lawfully available from government records and used for a purpose consistent with its availability is not Personal Information.
  • De-identified information. Information delinked and disassociated from any identifying information is not Personal Information. To de-identify Personal Information, a business must implement processes to ensure the information will not be reidentified.
  • Aggregated information. If a set of Personal Information is sorted into conclusions about a group, and the individual consumer identities have been removed and are not linked or reasonably linkable to a consumer or household, it is not Personal Information.

What Personal Information Does Chime Collect and How Does It Use It?

Chime collects, uses, and discloses various types of Personal Information differently. Chime has collected at least some information described in each category of Personal Information outlined below in the last twelve (12) months. For each category of information collected, we detail the categories of sources from which we get the information, our business purposes for collecting it, and the categories of third parties with whom we share that Personal Information.

A. Identifiers:

1. Traditional identifiers.

    • At Enrollment. Chime collects the following identifiers from you before you can use the Services: your name, social security number, date of birth, home address, email address, and phone number from you during the enrollment process. If any traditional identifier you provide at enrollment is mistaken or otherwise unverifiable, Chime may collect your correct Personal Information from an identity service and ask you to verify it.
    • In General. In the course of your use of the Services, you may correct or update your information collected at enrollment. In certain circumstances, Chime may require that you provide, in addition to the information above, the following identifying information: government-issued photo ID, such as a driver’s license or passport; photographs of you; and proof of address documentation, such as a utility bill. Additionally, if you contact Chime via a social media platform, Chime may collect your social media handle from the social network or from a social media analytics tool.

Chime collects your traditional identifiers in order to provide the Services and send you related communications; analyze individual and aggregated behavior to improve and customize the Services; verify your identity; comply and support our bank partners’ compliance with applicable law, including anti-money laundering (“AML”) and sanctions screening rules; prevent, detect, and investigate fraud, hacking, infringement, or other suspected or actual misconduct, crime, or violation of an agreement involving the Services; send you announcements, newsletters, promotional materials, and other information about the Services and third-party products and services that we think may be of interest to you; process and deliver promotion (including contests and sweepstakes) entries and rewards; collect fees and other amounts owed in connection with the Services; comply with obligations to tax authorities; diagnose and debug our technical systems; and log and store this information.

2. Digital identifiers.

As soon as you visit Chime’s website or use the Chime app, Chime automatically collects certain digital identifiers, including device identifiers, internet protocol (“IP”) addresses, web beacons, and other session-tracking information as applicable, as follows:

    • Device Identifiers. Chime automatically collects information regarding the computer, mobile device, technology or other device (collectively “Device”) you use to access the Services, including your device’s manufacturer, model number, and mobile phone plan carrier. Chime collects this information through your use of Chime’s website and mobile app, your mobile phone plan carrier, and its risk investigation and mitigation vendors. Chime may also assign a unique ID number to your Device.
    • IP Addresses. Chime automatically collects information regarding your IP address(es). Chime collects your IP address from your internet service provider (“ISP”), who assigns it. Your IP address is subject to change, so Chime may maintain a record of many ISPs associated with you or your devices over time. IP addresses are typically associated with a particular geographic area and can thus be used to estimate your location. Chime therefore collects IP address information both for the purposes associated with digital identifiers generally and for the purposes for which it collects geolocation data (described below).
    • Web Beacons & Customized Links. When you use the Chime website, Chime collects web beacons and customized link information (also known as “clear GIFs” or “pixel tags”). Web beacons are transparent graphic images placed on a web page or in an email to identify you. They can indicate that you have viewed a page or email; tell your browser to get content from another server; and measure traffic to or from, or use of, our online forms, tools or content items and related browsing behavior. Similarly, customized links and related technologies track hyperlinks that you click and associate that information with you in order to provide you with more focused communication.
    • Cookies & Other Session Trackers. Chime may also collect cookies, local shared objects and similar session-tracking technologies (“Session Trackers”) to identify you over the course of many sessions. Session Trackers help provide additional functionality to the Services, customize users’ experiences with the Services and help us analyze Services usage more accurately for research and product development purposes. Chime (and third parties that we work with) may place session trackers on your Device for security purposes, to facilitate navigation of the Services, and to personalize your experience while using our Services. If you would prefer not to accept Session Trackers when using the Site, follow the instructions provided by your website or mobile browser (usually located within the “Help”, “Tools” or “Edit” facility) to modify your Session Tracker settings. Please note that if you disable Session Trackers, you may not be able to access certain parts of our Site and other parts of our Services may not work properly. As a result, we recommend that you leave Session Trackers turned on when accessing the Services because they allow you to take advantage of all of the Service’s features.

Chime collects your digital identifiers in order to provide the Services and send you related communications; analyze individual and aggregated usage data to improve and customize the Services; verify your identity; comply and support our bank partners’ compliance with applicable law, including AML and sanctions screening rules; prevent, detect, and investigate fraud, hacking, infringement, or other suspected or actual misconduct, crime, or violation of an agreement involving the Services; send you announcements, newsletters, promotional materials, and other information about the Services and third-party products and services that we think may be of interest to you; diagnose and debug our technical systems; and log and store this information.

In order to accomplish the business purposes described above, Chime may disclose your traditional and digital identifiers to the following categories of third-party service providers: our bank partners, payment processors, payment networks, card fulfillment vendors, mobile check deposit processing services, identity services, customer service vendors, communications platforms, risk investigation and mitigation tools, transaction dispute processing services, website and app usage trackers, data processors, modeling and analytics tools, and network infrastructure and data storage services. These third-party service providers are contractually obligated to secure and refrain from disclosing any Personal Information which we disclose or otherwise entrust to them.

B. Financial Information:

Financial information includes your Chime and other bank account numbers, debit card and credit card numbers, and transaction history. To the extent Chime collects this information, it does so on behalf of either The Bancorp Bank or Stride Bank, N.A. (collectively, Chime’s bank partners), pursuant to the Privacy Notice you received from the bank partner at the time of enrollment. You may review the Privacy Notice(s) applicable to your account(s) at any time at https://www.chime.com/policies/.

      1. Chime partner bank account numbers.

Chime collects your account number from the bank partner who issued your Spending Account. If you enroll in a Chime savings account, Chime will also collect your Savings Account number from the issuing bank partner.

Chime collects this information in order to deliver promotion (including referral, contests and sweepstakes) entries and rewards, and collect fees and other amounts owed in connection with the Services. Additionally, Chime collects this information for the purposes applicable to financial information generally (see below).

      2. External bank account information.

Your use of certain features of the Services requires Chime to collect account numbers, balances, and other information about your bank accounts unrelated to your relationship with Chime. Chime may collect this information through a payment processor that facilitates a transfer to a Chime partner bank account or through a third-party secure access tool such as Plaid.

Chime collects this information in order to provide certain features of the Services, including surfacing your external bank account balance and facilitating transfers between your external and Chime partner bank accounts. Additionally, Chime collects this information for the purposes applicable to financial information generally (see below).  

      3. Debit and credit card numbers.

Chime collects the first six and the last four digits of your debit and credit card numbers from its processor and/or the issuing bank for the Services in which you enroll.

It uses this information to help you activate your card by verifying your physical address. Additionally, Chime collects this information for the purposes applicable to financial information generally (see below).

Chime does not routinely collect, but may access, your full debit and credit card numbers. We access and use (but do not store) this information only through a payment network or transaction dispute processing service to process and resolve disputes you initiate.

      4. History of Chime partner bank account transactions.

Chime collects your Chime account transaction history from its processor and bank partner. It collects this information in order to provide you with the Services, in particular preparing your statement, resolving errors and unauthorized transfers, and verifying your identity in certain circumstances.

Chime may use certain transaction information as applicable, most notably whether you electronically deposit a portion of your paycheck above a minimum threshold (“Direct Deposit Status”), to determine your eligibility for certain features or elements of the Services. (See, e.g., SpotMe Terms & Conditions). If you are referred to Chime by certain marketing partners, Chime may use your Direct Deposit Status to determine whether the partner must be compensated for referring you. If the marketing partner’s offer involved an incentive or bonus from the partner contingent on your Direct Deposit Status, Chime will disclose your Direct Deposit Status to the partner so you can receive the incentive. Chime will not share this information with a marketing partner unless the information-sharing is required for you to receive an incentive according to the offer terms you accept. Additionally, Chime collects this information for the purposes applicable to financial information generally (see below).

      5. Credit reporting and scoring information

If you enroll in certain features of the Services, Chime may collect credit score and other credit history data from a credit bureau. Chime collects this information in order to provide you with the Services, in particular to surface your credit score in the app.

In addition to the purposes for which Chime collects each subcategory of financial information described above, Chime collects your financial information generally for the following purposes, as applicable: to provide the Services and send you related communications; analyze individual and aggregated usage data to improve and customize the Services; verify your identity; to comply and support our bank partners’ compliance with applicable law, including AML and sanctions screening rules; prevent, detect, and investigate fraud, hacking, infringement, or other suspected or actual misconduct, crime, or violation of an agreement involving the Services; diagnose and debug our technical systems; and log and store this information.

In order to accomplish the business purposes described above, Chime may disclose your financial information to the following categories of third-party service providers: our bank partners, payment processors, payment networks, card fulfillment vendors, mobile check deposit processing services, identity services, customer service vendors, communications platforms, risk investigation and mitigation tools, transaction dispute processing services, website and app usage trackers, data processors, modeling and analytics tools, and network infrastructure and data storage services. These third-party service providers are contractually obligated to secure and refrain from disclosing any Personal Information which we disclose or otherwise entrust to them.

C. Employment Information:

Employment Information includes information about your occupation, salary, and job title that you may have provided at enrollment. It also includes information you may provide to Chime in the course of setting up direct deposit or receiving your paycheck via direct deposit into your Chime account.

1. Occupation information

If you choose to fill in the optional “occupation,” “source of income,” “approximate annual income,” and “how often do you get paid” fields at enrollment, Chime will collect from you information regarding your occupation. Chime collects this information for the purposes applicable to employment information generally (see below).

2. Direct deposit information

If you enroll in Chime direct deposit, Chime will collect identifying information about your employer from you or a third-party service provider, including your employer’s name and address. Chime may use this information to analyze trends in its user base. Chime will not share information about your employer unless it is de-identified and aggregated. Additionally, Chime collects this information for the purposes applicable to employment information generally (see below).

Chime collects your employment information, as applicable in order to: analyze individual and aggregated usage data to improve and customize the Services; verify your identity; comply and support our bank partners’ compliance with applicable law, including AML and sanctions screening rules; prevent, detect, and investigate fraud, hacking, infringement, or other suspected or actual misconduct, crime, or violation of an agreement involving the Services; send you announcements, newsletters, promotional materials, and other information about the Services and third-party products and services that we think may be of interest to you; and log and store this information. 

In order to accomplish the business purposes described above, Chime may disclose your financial information to the following categories of third-party service providers: our bank partners, identity services, customer service vendors, communications platforms, risk investigation and mitigation tools, transaction dispute processing services, website and app usage trackers, data processors, modeling and analytics tools, and network infrastructure and data storage services. These third-party service providers are contractually obligated to secure and refrain from disclosing any Personal Information which we disclose or otherwise entrust to them.

D. Protected Class Information:

Chime does not generally collect information relating to your status as a member of a protected class under federal or California law. However, Chime does collect and disclose your date of birth for the purposes applicable to traditional identifiers, described above. Your date of birth necessarily indicates whether you are a member of the protected class of persons age 40 or older, but Chime does not use or share the fact that you belong to this group for any purpose.

E. Commercial Information:

Commercial information consists of information about your interest in a particular product or service, your purchasing or consuming tendencies, and/or receipts or records for products or services.

Chime collects this information from you whenever:

  • You begin the enrollment flow or click on an email ad for a new Chime product;
  • You click on a partner’s offer tile from the Chime in-app marketplace or click on an email for a third-party partner’s offer;
  • You make a purchase with your Chime debit or credit card; or
  • You produce a receipt in response to a fraud prevention, anti-money laundering, or security inquiry from Chime.

Chime may also collect information from a Chime marketplace offer partner indicating whether you purchased or enrolled in the partner’s product or service. The partner will share this information with Chime so that Chime can compensate the partner for referring you

Chime collects your commercial information in order to provide the Services and send you related communications; analyze individual and aggregated usage data to improve and customize the Services; verify your identity; comply and support our bank partners’ compliance with applicable law, including AML and sanctions screening rules; prevent, detect, and investigate fraud, hacking, infringement, or other suspected or actual misconduct, crime, or violation of an agreement involving the Services; send you announcements, newsletters, promotional materials, and other information about the Services and third-party products and services that we think may be of interest to you; process and deliver promotion (including referrals, contests, and sweepstakes) entries and rewards; collect fees and other amounts owed in connection with the Services; comply with obligations to tax authorities; diagnose and debug our technical systems; and log and store this information.

In order to accomplish the business purposes described above, Chime may disclose your commercial information to the following categories of third-party service providers: our bank partners, payment processors, payment networks, card fulfillment vendors, mobile check deposit processing services, customer service vendors, communications platforms, risk investigation and mitigation tools, transaction dispute processing services, website and app usage trackers, data processors, modeling and analytics tools, and network infrastructure and data storage services. These third-party service providers are contractually obligated to secure and refrain from disclosing any Personal Information which we disclose or otherwise entrust to them.

F. Biometric Information:

Except as described below, Chime does not collect your physiological, biological, or behavioral characteristics that could be used to identify you (“Biometrics”).

1. Voice Recordings

If you call Chime’s member services over the phone, Chime will collect from its customer service and communications platform vendors a record of the call, including your voice recording. Chime collects this recording for customer service training and quality assurance, but Chime may also use your voice recordings to verify your identity and prevent, detect, and investigate fraud, hacking, infringement, or other suspected or actual misconduct, crime, or violation of an agreement involving the Services.

2. Facial Recognition Technology

If you sign up for Chime or use certain features available in-app, you may be asked to provide an image of yourself to verify your identity. Chime and any service providers will collect an image of your face and any other body parts in the frame in order to verify your identity and provide services, to comply and support our bank partners’ compliance with applicable law, and to prevent, detect, and investigate fraud, hacking, infringement, or other suspected or actual misconduct, crime, or violation of an agreement involving the Services.

In order to accomplish the business purposes described above, Chime may disclose your biometric information to third party service providers such as identity verification services, data processors, modeling and analytics tools, and network infrastructure and data storage services for the limited purposes described with respect to each subcategory of biometric information described above.

G. App and Website Usage Information:

Chime collects information about your interactions with the Chime app and website through the digital identifiers described above. When you perform an interaction such as visiting a particular webpage or app screen, Chime uses third party usage trackers, such as Segment and Google Analytics, to collect the particular digital identifiers associated with that interaction or series of interactions. If you choose to share your location with Chime, we may also collect Geolocation Data associated with certain interactions (see Section H, below).

Additionally, Chime collects the following information regarding your use of the app and website:

1.Referral information

At enrollment, Chime collects information about how you came to Chime. First Chime automatically collects this information provided by marketers (e.g. Facebook and Google) and publishers (e.g., Nerdwallet, PennyHoarder) and other websites on which Chime advertises, including the Apple App and Google Play stores. Chime may also collect information about how you were referred to Chime based on the landing page you enrolled on, or from the link you followed to the Apple App or Google Play store. Last, Chime may collect information from you directly during enrollment, if you answer the optional question regarding how you came to Chime.

2. Information you offer through contacts integration

If you choose to share your contacts with Chime, Chime may collect a list of your contacts from your phone’s operating system. Chime will only use this information to facilitate your sharing of Chime referral codes, to prevent fraud, and to comply and support our bank partners’ compliance with applicable law, including AML and sanctions screening rules.

3. Information you offer through customer service interactions

Whenever you interact with Chime via the in-app chat, email, phone, or website, Chime collects your communications. Chime collects this information for customer service training and quality assurance, but may also use the information to investigate fraud or unusual activity relating to your account.

4. Information you provide about your experience with Chime

If you give Chime any information about your use of the Services; participate in user research by responding to a questionnaire, survey; or offer other feedback, including opinions about Chime, Chime may collect that information.

Chime collects your app and website usage information in order to provide the Services and send you related communications; analyze individual and aggregated usage data to improve and customize the Services; verify your identity; comply and support our bank partners’ compliance with applicable law, including AML and sanctions screening rules; prevent, detect, and investigate fraud, hacking, infringement, or other suspected or actual misconduct, crime, or violation of an agreement involving the Services; send you announcements, newsletters, promotional materials, and other information about the Services and third-party products and services that we think may be of interest to you; diagnose and debug our technical systems; and log and store this information.

In order to accomplish the business purposes described above, Chime may disclose your app and website usage information to the following categories of third-party service providers: our bank partners, customer service vendors, communications platforms, risk investigation and mitigation tools, transaction dispute processing services, website and app usage trackers, data processors, modeling and analytics tools, and network infrastructure and data storage services. These third-party service providers are contractually obligated to secure and refrain from disclosing any Personal Information which we disclose or otherwise entrust to them.

H. Geolocation data:

Chime may collect information from your mobile Device about your location while you are accessing or using the Application and while you are not accessing or using the Application. We may use this information to provide targeted offers to you and notify you of nearby third-party locations where you may use the Services. You may opt out of the collection of location data at any time by changing your settings on your mobile Device. However, if you do so, certain features of the Services may not be available to you or the performance of certain features of the Services may be limited or not work at all.

Chime collects your geolocation data in order to provide the Services and send you related communications; analyze individual and aggregated usage data to improve and customize the Services; verify your identity; comply and support our bank partners’ compliance with applicable law, including AML and sanctions screening rules; prevent, detect, and investigate fraud, hacking, infringement, or other suspected or actual misconduct, crime, or violation of an agreement involving the Services; send you announcements, newsletters, promotional materials, and other information about the Services and third-party products and services that we think may be of interest to you; diagnose and debug our technical systems; and log and store this information.

In order to accomplish the business purposes described above, Chime may disclose your geolocation data to the following categories of third-party service providers: our bank partners, customer service vendors, communications platforms, risk investigation and mitigation tools, transaction dispute processing services, website and app usage trackers, data processors, modeling and analytics tools, and network infrastructure and data storage services. These third-party service providers are contractually obligated to secure and refrain from disclosing any Personal Information which we disclose or otherwise entrust to them.

How To Opt-Out of Certain Uses

A. Email Communications.

We may use your Personal Information to provide you with marketing or other promotional communications via mail or email. If, at any time, you would like to stop receiving these promotional emails, you may follow the opt-out instructions contained in any such e-mail or by contacting us as set out at the bottom of this policy. Please note that by opting out, you may prohibit Chime from informing you of offerings that may be of interest to you. It may take up to ten (10) business days for us to process opt-out requests. You will continue to receive non-promotional emails about your relationship with us.

DISCLOSURE OF PERSONAL INFORMATION

A. Chime Never Sells Your Personal Information

Chime does not and will not sell anyone’s Personal Information to third parties.

B. Minors’ Personal Information

Chime does not sell or disclose the Personal Information of minors under 16 years of age regardless of any afirmative authorization by that minor or their parent or guardian.

C. Disclosure of Your Personal Information

In general, Chime discloses each category of Personal Information for the same purpose it is collected. The information provided for each category described in Section 1, “Information We Collect,” therefore describes in detail the categories of Personal Information Chime discloses, for what business purpose, and to whom.

In addition, Chime may disclose certain categories of your Personal Information in the circumstances described below:

  1. Referrals. If you are referred by an existing Chime member, your Direct Deposit Status will be shared with the referring member when that member receives $50 for referring you.
  2. Legal disclosures. Chime may transfer and disclose information as applicable, including your Personal Information, information about how the Services are accessed and used, to third parties to comply with a legal obligation; when we believe in good faith that the law requires it; at the request of governmental authorities conducting an investigation; to verify or enforce our User Agreement or other applicable policies; to respond to an emergency; or otherwise to protect the rights, property, safety or security of third parties, users of the Services, or the public.
  3. Business transfers. As we continue to develop our business, we may sell or purchase assets. If another entity acquires us or our assets, Personal Information collected through the Services may be disclosed to such entity as one of the transferred assets. Also, if any bankruptcy or reorganization proceeding is brought by or against us, all such information may be considered an asset of ours and as such may be sold or transferred to third parties.
  4. With your permission. At your direction or request, we may share your Personal Information with specified third parties.

UPDATING YOUR PERSONAL INFORMATION AND INFORMATION RETENTION

If you wish to modify, verify, correct, or update any of your Personal Information collected through the Services, you may do so by logging into your Account and updating your Account profile or by emailing us at support@chime.com. Please note that Chime may continue to use your de-identified data after you delete any of your Personal Information. 

In accordance with our routine record keeping and upon a California consumer’s request, we may delete certain records that contain Personal Information you have submitted through the Services. We are under no obligation to store such Personal Information indefinitely and disclaim any liability arising out of, or related to, the destruction of such Personal Information. In addition, you should be aware that it is not always possible to completely remove or delete all of your information from our databases without some residual data remaining due to archiving, enforcing security protocols, and maintaining network integrity.

There may be certain instances in which we will retain your Personal Information.  Those instances may include but not are limited to providing you services, complying with our legal obligations, resolving disputes, preventing fraud or as otherwise permitted under law. Chime may not use the information it retains for record-keeping purposes for any other business purpose.

SECURITY OF YOUR PERSONAL INFORMATION

Chime has, and requires our Third-Party Service Providers to have, administrative, technical, and physical safeguards in place in our respective physical facilities and in our respective computer systems, databases, and communications networks that are reasonably designed to protect the information contained within such systems from loss, misuse, and alteration. We employ commercially reasonable website security and customer verification procedures to protect your data. The measures we use may include storing Personal Information on secured servers, transmitting Personal Information using encryption technologies, and auditing and reviewing our data collection and storage practices.

User passwords and other sensitive information are saved and encrypted to prevent unauthorized access or disclosure and accidental loss, alteration, or destruction. We regularly review our operational and business practices for compliance with corporate policies and procedures governing the security, confidentiality, and quality of our information. We require all of our employees, contractors, and other third parties to protect confidential information as a condition of doing business with, and our business practices limit the use and disclosure of such information, including personal information, to authorized persons, processes, and transactions.

No method of electronic transmission or storage is 100% secure. Therefore, we cannot guarantee absolute security of your Personal Information. You also play a role in protecting your Personal Information. Please safeguard your username and password for your Account and do not share them with others. If we receive instructions using your Account log-in information, we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use of your Account or any other breach of security related to the Services. We reserve the right, in our sole discretion, to refuse to provide the Services, terminate your Account, and to remove or edit content.

LINKS TO THIRD-PARTY WEBSITES AND APPLICATIONS

When you access or use the Services, you may be directed to other websites or applications that are beyond our control. We may also allow third-party websites or applications to link to the Services or use Session Trackers with the Services. For more information about how and why we share information including Session Trackers with third parties, please refer to Section I.A, above. We are not responsible for the privacy practices of any third parties or the content of linked websites and applications. We encourage you to read the applicable privacy policies and terms and conditions of such parties, websites, and applications. This Privacy Policy only applies to the Services.

DO-NOT-TRACK SETTINGS

Do Not Track (“DNT”) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third parties. We do not use technology that recognizes DNT signals from your web browser and do not respond to such signals.

CHILDREN UNDER 13

The Site is not directed to children under 13 years of age and we do not knowingly collect, use, or disclose Personal Information from children under 13. If we become aware that a child under 13 has provided us with Personal Information, we will make reasonable efforts to delete such information from our files.

YOUR CALIFORNIA PRIVACY RIGHTS

A. California Consumer Privacy Act.

Beginning January 1, 2020, the California Consumer Privacy Act (“CCPA”) provides California consumers the right to request that a business disclose what Personal information it collects, uses, discloses, and sells. Consumer may, for no fee, make the following verifiable requests to a business collecting their Personal Information:

  • request to know categories of Personal Information collected and disclosed;
  • request to know specific pieces of Personal Information collected; and
  • request to delete their Personal Information.

Upon verifying a consumer’s identity in response to a request to know, the business must disclose to the consumer, in a portable and readily usable form, the categories of Personal Information that the business has collected about the consumer, the categories of sources from which the information is collected, the business or commercial purposes for collecting the information as applicable, the categories of third parties with whom the information is shared, and/or the specific pieces of information collected about that consumer. Upon verifying a Consumer’s identity in response to a request to delete, the business must delete any Personal Information about the Consumer which it has collected. If a business does not produce the information or delete the consumer’s Personal Information as requested, it must provide an explanation in terms of the exemptions and exceptions provided in CCPA. 

How to Make a Request

To make a request to know categories or specific pieces of Personal Information we have collected about you, or to make a request to have your Personal Information deleted, please email myinfo@chime.com. You can also submit a request through our webform. You can also submit a request via phone by calling (844) 402-4517.

Chime must verify your identity before it will fulfill your request. As part of this process, Chime may require government-issued identification documents and a recent photograph to verify your name and identity. Depending on your existing relationship with Chime, Chime may ask you to provide identifying information you previously provided to Chime, including your Social Security number. You will also be required to verify your email address. Before Chime can produce any specific pieces Personal Information, you must submit a signed declaration attesting to your identity under penalty of perjury.

Consistent with California law, you may designate an authorized agent to make a request on your behalf. In order to designate an authorized agent to make a request on your behalf, you must provide valid power of attorney, the requester’s valid government government issued identification, and the authorized agent’s valid government issued identification.

Consistent with California law, Chime may not deny Services, provide different quality of Services, offer its products at a different price, limit your eligibility for products, or otherwise discriminate against you because you exercise any rights conferred by the CCPA.

Chime does not and will not sell Personal Information to third parties. In the past 12 months, Chime has both used third parties to collect Personal Information and has disclosed Personal Information to third parties to accomplish the business purposes described above. See Sections 1 (Collection Statement) and 2 (Disclosure Statement) for more details.

For more information about Chime’s privacy policies and practices, please email myinfo@chime.com.

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This Policy was last updated on December 19, 2019.

B. Shine the Light

California law provides California residents the right to request from Chime: (i) a list of the categories of Personal Information that we have disclosed to third parties for direct marketing purposes; and (ii) the names and addresses of all such third parties. We do not share your Personal Identifying Information with third parties for the third parties’ own and independent direct marketing purposes unless we receive your permission. 

CONSENT TO PROCESSING AND TRANSFER OF INFORMATION

The Services are governed by and operated in, and in accordance with the laws of, the United States, and are intended for the enjoyment of residents of the United States. If you use the Services, or otherwise provide us with data, from outside the United States, you acknowledge and agree that your Personal Information may be transmitted outside your resident jurisdiction. In particular, please note that your Personal Information may be stored and processed in the United States. The laws pertaining to the collection, use, disclosure and protection of Personal Information in the United States may be more or less stringent than the laws of other countries. By using the Services, you (a) acknowledge that the Services is subject to the laws of the United States; (b) consent to your Personal Information being stored and processed in the United States and handled as described in this Policy; and (c) waive any claims that may arise under the laws of the country where you reside, are a citizen, and/or from where you access the Services. 

CHANGES TO THIS POLICY

This Policy is the sole authorized statement of Chime’s practices with respect to the collection of Personal Information and the subsequent use and disclosure of such information. Chime may revise this Policy from time to time without prior notice to you, and any changes will be effective immediately upon the posting of the revised Privacy Policy on the Services. You should bookmark and periodically review this page to ensure that you are familiar with the most current version of this Policy. You can determine when this Policy was last revised by checking the “Last Updated” legend at the top of the Policy.

QUESTIONS ABOUT THIS PRIVACY POLICY

If you have any questions or concerns about this Policy, please contact us at: 

Chime Financial, Inc. 

P.O. Box 417

San Francisco, CA 94104

Email: myinfo@chime.com

Telephone: (844) 244-6363

 

 


¹ This definition of Personal Information and the subsequent explanatory examples are designed to convey a meaningful understanding of the definition of Personal Information found in the California Consumer Privacy Act (“CCPA”). See Cal. Civ. Code § 1798.140(o). It is Chime’s intention to treat all members’ Personal Information, as that term is defined in CCPA, in accordance with this Privacy Policy. For more information about the rights CCPA confers on California residents, please see section 9A, “Your California Privacy Rights,” above.

² Such a request will be considered a request to know also how each such category is collected, the business or commercial purposes for which it is used, and to whom it is disclosed.

 

This Agreement is effective 12/2019

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

Please note: By clicking on some of the links above, you will leave the Chime website and be directed to an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing and personal information.

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