Venmo
- The documents do not say whether your data trains AI.
- Your data is used for personalized ads, including by third-party ad companies.
- The policy allows data sales or sharing; it does not describe an opt-out.
- The documents do not say who can read your content.
Venmo collects financial IDs and can share for marketing you cannot limit.
Agent Trust Hub uses AI and may make mistakes. Review reports and confirm their contents before relying on them.
- Sells or shares your data with no opt-out
Collected
They collect SSN, money history, IDs, internet activity, and sometimes location or biometrics.
Read the exact line
Privacy policy
“Social Security number and account balancesPayment history or transaction historyCredit history or credit scores”
Training
They use it to run the app, fight fraud, personalize, and market products you cannot turn off.
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Privacy policy
“For our marketing purposes— to offer our products and services to you Yes No”
Sharing
PayPal, banks, merchants, other users, and sometimes anyone on the internet can see parts of it.
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Privacy policy
“some personal information is public information including your Venmo username, Venmo profile photo, Venmo profile first and last name, month, and year of Venmo account creation, and public transactions”
Kept
They do not say how long they keep it, and they keep sharing after you leave.
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Privacy policy
“When you are no longer our customer, we continue to share your information as described in this notice.”
Controls
Federal law lets you limit only a few kinds of sharing; California can ask for access or deletion.
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Privacy policy
“Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes— information about your creditworthiness”
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.
Ask California access or deletion questions
Contact us if you have questions about our privacy statement, this consumer notice, or your personal information
Call for extra state privacy info
https://venmo.com/legal/us-licenses/ or call 1-855-812-4430
If a switch is not where they say, the deletion request above still applies.
Line by line
The lines that matter most, worst first.
They use your information to market to you and you cannot turn that sharing off.
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Privacy policy
“For our marketing purposes— to offer our products and services to you Yes No”
For example, they can keep sending product offers based on your account even if you do not want marketing.
They can team up with other banks or finance companies to market to you, and you cannot limit that.
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Privacy policy
“For joint marketing with other financial companies Yes No”
For example, another bank in a joint deal could get enough information to pitch you a card.
Your name, photo, and public payments can be visible to people who do not even have Venmo.
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Privacy policy
“some personal information is public information including your Venmo username, Venmo profile photo, Venmo profile first and last name, month, and year of Venmo account creation, and public transactions in which you’ve been involved, and may be seen by anyone on the internet”
For example, someone googling you might see who you paid and when you joined.
Closing the account does not stop the sharing described in this notice.
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Privacy policy
“When you are no longer our customer, we continue to share your information as described in this notice.”
For example, after you leave they can still share past transaction information the way this notice allows.
including teen-linked accounts, not a regular court .
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Terms of service
“You and PayPal each agree that any and all disputes or claims arising out of or relating to the user agreement, the Venmo services, your Venmo account (including any linked Teen Account), or your relationship with PayPal”
For example, if many people had the same fee complaint, you generally could not join a class lawsuit.
They build a profile of your habits and traits from the data they collect.
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Privacy policy
“Inferences drawn from any of the information identified in this subdivision to create a profile about a consumer reflecting the consumer’s preferences, characteristics, predispositions, behavior, attitudes, and abilities.”
For example, they may infer spending patterns and use that to personalize the app or offers.
If you agree and ask for certain features, they collect biometric information.
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Privacy policy
“H. Biometric information From you when you consent and request certain services from”
For example, a face or fingerprint check for a feature would be stored as biometric data they list here.
They say they use legally required computer and building security.
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Privacy policy
“To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.”
For example, they claim files and systems are locked down in line with federal rules, but they do not name audits.
They say they do not share your creditworthiness with affiliates for everyday business.
Read the exact line
Privacy policy
“For our affiliates’ everyday business purposes— information about your creditworthiness No We don’t share”
For example, a sister company should not get your credit score from Venmo for that purpose.
Words to know
Legal words from the lines above, in plain English.
- 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.
- 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.
- profiling
- Building a picture of who you are, what you like and what you might do next from your data. For example, an app may guess your income, health or politics from what you watch and tap.
- biometric
- Measurements of your body that identify you, like your face, fingerprint or voice. For example, a selfie used to unlock the app or a voice recording matched to you.
- consent
- Your clear agreement to something, given by an action like ticking a box or tapping Accept. For example, a pop-up asking if the app may use your location is asking for consent.
How we got here · grade F · score 25/100 · 14 of 15 policy answers backed by a verified quote · 7 not stated
What does the app collect beyond what it needs to work?
They collect far more than account basics, including SSN, credit history, browsing and network activity, advertising-network data, and public profile and transaction details.
Does it record your voice, face or body, and what happens to that?
They list biometric information collected when you consent and request certain services, and audio or visual information from using the services.
Are your chats and uploads used to train AI models, and is that off by default?
Not stated in the documents.
Can employees or contractors read your conversations, and when?
Not stated in the documents.
Are you profiled or tracked for advertising?
They list advertising networks as a source of identifiers and use data for marketing you cannot limit.
Do they sell or share your data, and can you opt out?
They share for their marketing, joint marketing, and affiliate everyday business, and the notice says you cannot limit that sharing.
What rights do they take over what you type and what the AI makes?
Not stated in the documents.
How long do they keep your data after you delete it, and can you delete it in the app?
California residents may submit a deletion request; they do not describe in-app deletion or a set wipe timeline, and they keep sharing after you leave.
Does it build a lasting memory or profile of you, and can you see, edit or turn it off?
They draw inferences to create a profile of preferences and behavior, with no controls described for viewing or turning that off.
Do they commit to basic security, and have they leaked data?
They say they use federal-law security measures including computer safeguards and secured files and buildings.
Is there a real age gate, and are teens protected?
Not stated in the documents.
Will they tell you when the rules change, and is the policy specific?
The provided policies have no date line and do not describe advance notice of changes.
Can they close your account without warning, and can you get your data out first?
Not stated in the documents.
If something goes wrong, who pays?
Not stated in the documents.
Do subscriptions renew on their own, and can you get a refund?
Not stated in the documents.
The privacy policy is 2,283 words at a professional or legal expert level (Flesch reading ease 19.7); the terms are 3,196 words at a college graduate level.
