Robinhood
- The policy allows AI training; it does not describe an opt-out.
- Your data is used for personalized ads, including by third-party ad companies.
- Data is shared with partners and affiliates; you can opt out.
- The documents do not say who can read your content.
They collect lots of financial and biometric data, may train AI on chatbot chats, run ads.
Agent Trust Hub uses AI and may make mistakes. Review reports and confirm their contents before relying on them.
- Uses your content for AI training with no opt-out
Collected
They collect ID, SSN, money data, photos, contacts, location, device IDs, and chatbot chats.
Read the exact line
Privacy policy
“Identity Data, such as your name, date of birth, marital status, social security number, selfies/photographs/videos, government-issued identification documents”
Training
They use your data to run the app, market to you, personalize ads, and may train AI on chatbot chats.
Read the exact line
Privacy policy
“some of your data, including but not limited to your inputs and conversations with our chatbots and AI features, may be used to train, test, improve, or enhance our AI functionalities”
Sharing
Vendors, affiliates, banks, ad partners, and sometimes other users can get your information.
Read the exact line
Privacy policy
“We disclose information about you with vendors who perform services for us, such as identification verification, fraud prevention, advertising, mailing services”
Kept
They may keep data for years after you leave, including up to five years for financial rules.
Read the exact line
Privacy policy
“we may retain certain data for the duration of your relationship with us and for a period of up to 5 years after the relationship ends”
Controls
You can limit some ads sharing, hide Pay & Request, unsubscribe, and delete a Social profile.
Read the exact line
Privacy policy
“If You disable these permissions, we will no longer share personal information with marketing partners to more effectively market our services across third-party websites and services.”
Fine print
they can close you anytime.
No exact line could be verified.
Expand “Read the exact line” to see the source alongside the explanation.
What you can turn off
The controls and opt-outs their own documents describe, and where they say to find them.
Turn off marketing partner sharing
Account → Menu or Settings → Security and Privacy → Manage your data → Your privacy choices
Delete or deactivate Robinhood Social
Account → Menu or Settings → Robinhood Social → Deactivate or delete your account
Unsubscribe from promo emails or text STOP
Unsubscribe link in promotional emails; reply STOP to texts
If a switch is not where they say, the deletion request above still applies.
Line by line
The lines that matter most, worst first.
What you type to their chatbots can be used to train their AI. The policy does not describe a simple off switch.
Read the exact line
Privacy policy
“some of your data, including but not limited to your inputs and conversations with our chatbots and AI features, may be used to train, test, improve, or enhance our AI functionalities from time to time.”
For example, a question you ask the in-app chatbot about your account could be used to improve their models.
They take face measurements from your selfies and ID photos. Vendors may also get photo and voice biometrics.
Read the exact line
Privacy policy
“We extract facial geometry data from selfies/photographs/videos to verify your identity and detect/prevent fraud.”
For example, a selfie you take to open an account can be turned into face-geometry data and sent to a verification vendor.
Anything you submit through the banking app can be used under a lasting license they can pass to others.
Read the exact line
Terms of service
“you hereby do and shall grant us a worldwide, non-exclusive, , , fully paid, and transferable license to use such information as set forth in our Privacy Policy”
For example, a note you send in the app can stay licensed to them even after you stop using the service.
They can shut off the banking app without warning and you may lose information tied to it.
Read the exact line
Terms of service
“We may terminate your access to all or any part of the Services at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of some or all information associated with you”
For example, they could cut off app access overnight and some stored info could be destroyed.
If someone sues them over how you used the app, you may have to cover their legal costs.
Read the exact line
Terms of service
“You shall , and us, our affiliates, payment card networks and payment processors, and each of our partners”
For example, if a dispute over your account use leads to a lawsuit against them, you might have to pay their lawyers.
They and ad companies track you across sites and devices to show ads based on your activity.
Read the exact line
Privacy policy
“We and our third-party partners use this information to, among other things, analyze and track data, determine the popularity of content, and deliver advertisements targeted to your interests”
For example, clicking a Robinhood ad elsewhere can be combined with app activity to target more ads.
They share identifiers with marketing partners so Robinhood ads can follow you around the web. Account holders can turn some of this off.
Read the exact line
Privacy policy
“we may share personal data such as your hashed email address or your device ID with marketing partners to help us market Robinhood products to you across third-party websites and online services.”
For example, a hashed version of your email can be sent to ad partners so you see Robinhood ads on other sites.
Even after you leave, they may keep records for years because they are a regulated broker.
Read the exact line
Privacy policy
“we may retain certain data for the duration of your relationship with us and for a period of up to 5 years after the relationship ends in order to comply with our obligations as a regulated financial institution.”
For example, closing your account does not mean they wipe your files the next day; they may keep them up to five years.
You can turn off marketing emails, but they will still send account and security messages.
Read the exact line
Privacy policy
“You can stop receiving promotional emails from us by selecting the “unsubscribe” link in those emails.”
For example, you can unsubscribe from product newsletters and still get login alerts.
Words to know
Legal words from the lines above, in plain English.
- inputs and outputs
- Inputs are what you type, say or upload to an AI; outputs are what it gives back to you. For example, the question you ask a chatbot is an input and its answer is an output, and both may be stored.
- service providers
- Outside companies that handle your data on the app's instructions, such as a cloud host or an email sender. For example, the company that stores the app's files in the cloud sees your data but only does what the app tells it.
- retention
- How long a company keeps your data before deleting it. For example, a policy might keep your messages for 30 days after you delete them, or for as long as it likes.
- personal data
- Any information that is about you or can be linked to you, from your name to your phone's ID. For example, your email, your IP address and the list of apps on your phone are all personal data.
- third parties
- Any company or person other than you and the app, such as advertisers, partners or analytics firms. For example, an analytics company that receives a record of every screen you tap is a third party.
- worldwide license
- You let the company use your content anywhere on earth, usually for free and for as long as it likes. For example, a video you post can be shown in ads in any country without asking you again.
- perpetual
- Lasting forever, with no end date. For example, a perpetual licence means the company can keep using your video years after you leave.
- royalty-free
- The company can use your content without ever paying you for it. For example, your photo can appear in the app's ads and you get nothing.
- sublicensable
- The company can pass its rights over your content on to other companies without asking you. For example, an app can let an advertiser or a partner reuse your video under the licence you gave.
- indemnify
- You promise to pay the company's legal costs and losses if your use of the service gets it sued. For example, if you post a song you do not own and the label sues the app, you owe the app's lawyer bills.
- affiliates
- Other companies owned by or connected to the same parent company. For example, if you use one app, its sister apps under the same owner may also get your data.
- device identifiers
- Codes that single out your phone or computer, used to recognise you across apps and sites. For example, the advertising ID on your phone lets two unrelated apps know they are seeing the same person.
How we got here · grade F · score 24/100 · 16 of 16 policy answers backed by a verified quote · 3 not stated
What does the app collect beyond what it needs to work?
They collect far more than login and chats, including SSN, government ID, selfies, bank and credit data, contacts and photos with permission, and precise location.
Does it record your voice, face or body, and what happens to that?
They extract face geometry from selfies and videos for ID and fraud checks, and vendors may collect biometric data from your photo and voice.
Are your chats and uploads used to train AI models, and is that off by default?
They say chatbot inputs and conversations may be used to train and improve AI. They mention consent where the law requires it, but do not describe an in-app training off switch.
Can employees or contractors read your conversations, and when?
Not stated in the documents.
Are you profiled or tracked for advertising?
They and third-party partners use cookies, pixels, and device IDs to serve targeted ads on and off their sites, including Google Ads.
Do they sell or share your data, and can you opt out?
They share identifiers with marketing partners and say some Social activity may count as a sale or share under state law. Account holders can limit marketing sharing in privacy choices.
What rights do they take over what you type and what the AI makes?
Banking terms give them a worldwide, perpetual, sublicensable license to information you submit through the services.
How long do they keep your data after you delete it, and can you delete it in the app?
They keep data as long as needed and may keep it up to five years after you leave for financial rules. Social profile deletion is in the app, but trade records stay with the financial entity.
Does it build a lasting memory or profile of you, and can you see, edit or turn it off?
They infer interests and preferences from what you do, including on Social, and use that to personalize. The policy does not describe viewing or editing that profile.
Do they commit to basic security, and have they leaked data?
Not stated in the documents.
Is there a real age gate, and are teens protected?
Banking terms say you must be 18. The privacy policy says they do not knowingly collect from kids under 13 except authorized credit-card users.
Can you sue or join a class action if things go wrong?
Arbitration, but you can opt out within a window
Will they tell you when the rules change, and is the policy specific?
The privacy statement is dated. They update the effective date and sometimes give extra notice, but they also say continued use after posting terms changes means you accept.
Can they close your account without warning, and can you get your data out first?
They may end banking-app access anytime, with or without cause or notice, and some information associated with you may be forfeited or destroyed.
If something goes wrong, who pays?
The banking app is as-is, their direct damages are capped at $50, and you must cover their legal costs if claims arise from your use.
Do subscriptions renew on their own, and can you get a refund?
Not stated in the documents.
The privacy policy is 5,321 words at a professional or legal expert level (Flesch reading ease 0); the terms are 7,997 words at a college level.
