Venmo
Finance
60
out of 100. Number 127 of 512, counting from the worst.
Where Venmo does well
- Renewals 4 of 20. Few problems found.
- Genuine 30-day arbitration opt-out (written notice); global public feed removed in 2021 (now Friends-only default, with "Change All to Private").
- No selling to marketers per the CCPA notice; 21-day advance notice for rights-reducing changes.
No court, no class actions — binding arbitration with class-action and jury-trial waivers.
The fine print
6 clauses and findings from the draft archive, dated 1 October 2026. The plain English comes first; the small print is the company's own words. None of these has been checked yet.
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No court, no class actions — binding arbitration with class-action and jury-trial waivers.
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… shall be resolved through final and binding arbitration
Venmo User Agreement (eff. Aug 24, 2026)
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Closing your account doesn't stop the flow — data kept a decade, still shared.
Personal Information used for the ongoing relationship between you and Venmo is stored for the duration of the relationship plus a period of 10 years / When you are no longer our customer, we continue to share your information as described in this notice.
Privacy Statement (eff. Nov 17, 2025)
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Venmo feeds your data to its own marketing and joint-marketing partners; the legal opt-outs don't apply.
For our marketing purposes — to offer our products and services to you: Yes / Can you limit this sharing? No / For joint marketing with other financial companies: Yes / No.
Privacy Statement sharing table
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Your real name, face, and account age are visible to the whole internet, including via APIs.
Some personal information is public information and may be seen by anyone on the internet… Public information for personal profiles includes your Venmo username, profile photo, first and last name, month and year of Venmo account creation, and public transactions in which you've been involved.
Privacy Statement
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Rewrite on posting; 21 days' notice only for rights-reducing changes; your only veto is quitting.
The revised version will be effective at the time we post it… If you do not wish to be bound by any changes to this user agreement, you must close your account before they become effective.
Venmo User Agreement
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No account without electronic-only legal notices.
If you do not wish to receive Disclosures electronically, you will not be able to open an Account.
E-Sign disclosure
How these were found
venmo.com blocks automated fetching — primary sourcing via a verbatim difficode mirror, key clauses cross-checked against venmo.com search snippets. Venmo is a PayPal product.
These notes come from the original draft and are not independent verification.