Chase

JPMorgan Chase is a banking company in the United States.

3/10

How we calculate ratings →

Handling

Does the policy allow personally-targeted or behavioral marketing? Yes, but you may opt-out

4/10

Does the service allow you to permanently delete your personal data? No

0/5

Does the service allow third-party access to private personal data? Yes

0/10

This may come in the form of outright data sharing or by using local third-party analytics software (such as Google Analytics, which collects a plethora of user information).

Note that whether the policy allows sharing aggregated user data does not affect this question.

If the personal data is encrypted when it passes through the third-party, it does not count as third-party access (as the data is inaccessible to that party).

If personal data has been made public by, for example, posting it to a blog, it does not count as private personal information (and is therefore not considered by this question).

Score

Yes

The policy allows sharing personal data with third parties (not just critical service providers), and does not explicitly list the third parties.

Yes, all parties specified (including non-critical service providers such as advertisers)

30%

Yes, not all parties specified (but only to critical service providers)

70%

Yes, all parties specified (only to critical service providers)

80%

100%

Citation

For example, we may share your information with:

Chase third-party service providers;

Chase affiliated websites and businesses in an effort to bring you improved service across our family of products and services, when permissible under relevant laws and regulations;

Other companies to bring you co-branded services, products or programs;

Third parties or affiliates in connection with a corporate transaction, such as a sale, consolidation or merger of Chase businesses;

Other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties.

When does the policy allow law enforcement access to personal data? When reasonably requested

3/5

Score

Always

This includes cases in which law enforcement either runs the service or has a known backdoor into (or relationship with) the service.

Not specified

When reasonably requested

60%

Only when required by a court order or subpoena

80%

N/A (no personal data to share)

The service would have no personal data to share with law enforcement.

100%

Never (special legal jurisdiction)

The service operates in a jurisdiction in which sharing data with law enforcement is never required.

100%

Citation

For example, we may share your information with: [...] Other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders.

Notes

As "such as" phrase is used, it can't be stated that the company shares the data only(!) when required by a court order or subpoena.

Transparency

Does the policy outline the service's general security practices? Somewhat

1/3

Score

Somewhat

The policy provides only a very vague overview of its security practices.

30%

Yes

60%

Yes, including audits

"Reviews," "monitoring," etc. also count as audits.

80%

Yes, including independent audits

Independent "reviews," "monitoring," etc. also count as independent audits.

100%

N/A

The service doesn't collect any personal information.

100%

Citation

We use 128-bit encryption technology to protect your username, password and other personal account information when you’re using our site or apps.

Is the policy's history made available? Only the date it was last modified

3/5

Does the policy require users to be notified in case of a data breach? Not necessarily

0/7

Will affected users be notified when the policy is meaningfully changed? No

0/5

Collection

Does the service collect personal data from third parties? Yes

0/10

Is it clear why the service collects the personal data that it does? Mostly

7/10

Score

Somewhat

30%

Mostly

70%

Yes

100%

N/A

The service doesn't collect any personal information.

100%

Citation

We use the information discussed above in a number of ways, such as:

Processing applications and transactions;

Verifying your identity (such as when you access your account information);

Preventing fraud and enhancing the security of your account or our online services;

Responding to your requests and communicating with you;

Managing your preferences;

Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view;

Providing you tailored content and marketing messages;

Operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions);

Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and

For any other purposes that we may specifically disclose at the time you provide or we collect your information.

We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.

Notes

While the policy does a generally good job explaining how it uses the data, not all information is accompanied by a clear explanation.

Does the service allow the user to control whether personal data is collected or used for non-critical purposes? On an opt-out basis, but only for some non-critical data/uses

3/10

Does the policy list the personal data it collects? Yes, generally

7/10

Score

The policy does not claim to not collect personal data, but it also doesn't provide any meaningful insight into the types of personal data it collects.

Only summarily

The policy uses overly vague language to provide a summary of the types of collected personal data.

30%

Yes, generally

All general categories of collected personal data are listed, though not all types of personal data are explicitly mentioned (for example, the list might use a phrase like 'such as' when listing types of personal data).

70%

Yes, exhaustively

All types of collected personal data are listed specifically

100%

N/A (no personal data is collected)

100%

Notes

The groups of information are stated, however, their explanation is not absolute as many "for example" phrases are used.

Last Updated

May 26, 2021

Sources

Source #1 ↗

Contributors

UnKnOwN