Chime Privacy Policy

Last Updated June 5, 2019

1debit Inc. d/b/a “Chime” (“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 our visitors (“you” or “your”) about how we collect, protect, share and use your information when you access or use (1) our websites located at https://www.chimebank.com/, 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, and features made available by us through the Website or the Application (together with the Website and the Application, the “Services”).

This Privacy Policy outlines how and when Chime collects, protects, shares, and uses information that can identify you individually (“Personal Information”), such as your name, email or telephone number.  Personal Information does not include information that is anonymous, aggregated, or can no longer be used to identify you as an individual.

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.

Information We Collect

Information You Provide

In general, you may visit the Website or download the Application without telling us who you are or sharing any Personal Information with us. When you register for an account for the Services (an “Account”), use other aspects of the Services, or communicate with us, we may ask you to provide certain Personal Information, such as your name, email address, postal address, birthdate, telephone number, Social Security Numbers, driver’s license or other state identification, Passport numbers and photographs, bank account numbers and identifiers.

Any Personal Information that you provide is available to us and may be available to third-party service providers involved in the operation of the Services.  Although we contractually require our third-party service providers to protect your Personal Information, please note that we do not own or control such providers and cannot guarantee their compliance.

Information We Collect Automatically

a.  Usage Information. Chime may use a variety of technologies that passively or automatically collect information about how the Services are accessed and used, including your browser type, device type and manufacturer, operating system, application version, the pages served to you, the time you browse, preceding page views, and your use of particular features of the Services.  This statistical data helps us understand what is interesting and relevant to users of the Site so that we can best tailor our content to you.

b. Device Identifiers. Chime also automatically collects an IP address or other unique identifier, mobile carrier, and mobile phone number, for the computer, mobile device, technology or other device (collectively “Device”) you use to access the Services.  A “Device Identifier” is a number that is automatically assigned to your Device when you access a web site or its servers, and our computers identify your Device by its Device Identifier.  We may use a Device Identifier to, among other things, administer the Services, help diagnose problems with our servers, analyze trends, track users’ web page movements, and gather broad demographic information for aggregate use.

c.  Location Information. In addition, if you download the Application to your mobile Device, we 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.

d.  Session Trackers. In operating the Services, we may use cookies, pixel tags, other local shared objects and similar session tracking technologies (“Session Trackers”).  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.  We (including 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 some of the Service’s features.

e.  Web Beacons. In addition to Session Trackers, we may use web beacons (also known as “clear GIFs”), which are transparent graphic images placed on a web page or in an email and indicate that a page or email has been viewed or tell your browser to get content from another server.  We use web beacons to measure traffic to or from, or use of, our online forms, tools or content items and related browsing behavior and to improve your experience when using the Services.  We may also use customized links or other similar technologies to track hyperlinks that you click and associate that information with your Personal Information in order to provide you with more focused communications.

Non-Personal Information

Additionally, we may modify and combine Personal Information in a manner that does not personally identify you or any other individual and thus, no longer constitutes Personal Information.  We may use this non-Personal Information, such as aggregate user statistics, demographic information, and usage information, for any lawful purpose.

Information from Third Parties

We may receive information about you from third parties, such as your financial institutions, identity verification service providers, and payment processors. In addition, we may receive information about you from outside records of third parties, such as marketing-related or demographic information.  We may supplement the information we collect about you through the Services with such information from third parties in order to enhance our ability to serve you, to tailor our content to you and/or to offer you opportunities to purchase products or services that we believe may be of interest to you.  If we combine such data with information we collect through the Services, such information is subject to this Privacy Policy unless we have disclosed otherwise.

HOW WE USE INFORMATION

We may use the information we collect for a variety of reasons related to our operation and your use of the Services.  Examples of specific ways in which Chime may use your Personal Information include, but are not limited to the following:

  • provide the Services and notices related thereto;
  • provide and deliver the products and services you request, process transactions and send you related information, including confirmations;
  • verify your identity and prevent fraud;
  • analyze, improve and customize the Services;
  • provide customer and technical support for 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 contest or promotion entries and rewards;
  • detect, prevent and investigate actual or suspected fraud, hacking, infringement, or

other misconduct involving the Services;

  • collect fees and other amounts owed in connection with the Services; and
  • comply with tax and other applicable laws; and
  • for internal research purposes.

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 e-mails, you may follow the opt-out instructions contained in any such e-mail or by contacting us as set out below.  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

Except as provided herein, Chime will not sell, rent or otherwise disclose Personal Information about you to third parties.

a.  Financial institutions. We may share your Personal Information with financial institutions with whom you have a customer relationship or seek to establish a customer relationship, including the financial institutions identified in your bank agreements or cardholder agreements that provide banking services in connection with your Account.  This information is shared in order to facilitate account opening and management.  For purposes of this sharing, we serve as a service provider to these financial institutions.  You should review the privacy practices of your financial institutions for further information about how they may share Personal Information with Chime.

b.  Other Chime users. Some of your Personal Information (including your Chime username, Chime profile photo, Chime profile first and last name) will be publically displayed through the Services and may be seen by anyone with a Chime account. This sharing enables portions of the Services that allows users to connect and communicate.  For example, this Personal Information may be disclosed to enable you to select the contacts with whom you would like to split a payment, to connect with another user who referred you to the Services, or to connect with an individual whom you would like to refer to the Services.

c.  Other third party providers. We may share your Personal Information with unaffiliated, third parties that provide certain services to us, including, but not limited to payment processing, identity verification, fraud prevention, data analysis, email delivery, hosting, order fulfillment, infrastructure, network storage, customer service, technical support, and promotional services.  These third parties may have access to Personal Information or non-Personal Information in order to perform their functions on our behalf.  However, these third parties are only permitted to use your Personal Information for the purpose for which it has been provided or to administer, service or process transactions that you have authorized, and may not disclose it to any other third party except at our express direction and in accordance with this Policy.

d.  Joint Marketing Agreements. As we develop our Services, we may enter into joint marketing agreements with other nonaffiliated companies that together with us may market products or services to you. Our joint marketing partners may include companies such as banks and financial service providers and new product offerings may include loan products, credit cards, overdraft protection, payment and deposit products, among others.

e.  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.

f.  Legal disclosures. Chime may transfer and disclose information, 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.

g.  For everyday business purposes. We may share your Personal Information for our everyday business purposes, such as to complete a transaction, provide a service requested by you, or maintain accounts.

h.  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, 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 because of backups and other reasons.

We will retain your Personal Information as long as needed to provide you services, comply with our legal obligations, resolve disputes, or enforce our agreements.

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 information contained within such systems from loss, misuse, and alteration. 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.

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. 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.

CHILDREN UNDER 13

The Site is not directed to children under 13 years of age and we do not knowingly collect 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

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:

1debit Inc., d/b/a Chime
P.O. Box 417
San Francisco, CA 94108-0417

Email:  support@chime.com
Telephone:  (844) 244-6363

This Agreement is effective 04/2019

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.

The Bancorp Bank and Stride Bank, neither endorse nor guarantee any of the information, recommendations, optional programs, products, or services advertised, offered by, or made available through the external website ("Products and Services") and disclaim any liability for any failure of the Products and Services.

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 any personal information.

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