Exhibit B — Plaid Privacy (Dkt. 79.2)

Summary

Exhibit B, Doc. 79-2, filed September 14, 2020 in No. 4:20-cv-03056-DMR in the U.S. District Court for the Northern District of California, is a printout of the Venmo Privacy Policy dated 9/14/2020, marked last updated June 30, 2020. The policy states that Venmo is a PayPal, Inc. service. It lists categories of information collected, including Account Information, Device Information, Geolocation Information, Social Web Information and Financial Information. It states that Venmo does not share personal information with third parties for their promotional or marketing purposes, and it has sections on cookies, protecting and storing personal information, and how information is used and shared.

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EXHIBIT B 
Case 4:20-cv-03056-DMR   Document 79-2   Filed 09/14/20   Page 1 of 19

US
Open Source Attribution (https://help.venmo.com/hc/en-us/articles
/217042848)
Privacy Policy
User Agreement (/legal/us-user-agreement)
Licenses (/legal/us-
licenses)
Consent (/legal/us-consent)
Helpful Information (/legal/us-helpful-
information)
Payment Method Rights (/legal/us-payment-method-rights)
Approved
Business Account Addendum (/legal/us-business-addendum)
Venmo Mastercard Cardholder
Agreement (/legal/bancorp-cardholder-agreement)
Venmo Mastercard Privacy Policy (/legal
/bancorp-privacy-policy)
LAST UPDATED
June 30, 2020
OUR COMMITMENT TO PRIVACY
Venmo, a PayPal, Inc. service, knows that you care about how your personal information is used
and shared, and we take your privacy seriously. Our primary goal is to provide you with
exceptional service, and we understand that you may have questions or concerns regarding your
personal information and how it will be used. To make this privacy policy easy to find, we make it
available from the home page of the Venmo website at venmo.com (/) (the "website") and through
our mobile applications. You may also email us at privacy@venmo.com
(mailto:privacy@venmo.com) with any privacy-related questions you have.
APPLICABILITY OF PRIVACY POLICY
This privacy policy applies to all information we collect through our Services from current and
former Venmo users, including you. “Services” means any products, services, content, features,
technologies, or functions, and all related websites, applications and services offered to you by
PayPal, Inc. in connection with a Venmo account. When you are no longer our customer, we
continue to share your information as described in this policy. This policy only applies to the
Services and does not apply to the practices of any other PayPal service.
(/)
How Venmo Works (/about/product)
Business (/business)
Card (/card)
Security (/about/security)
Contact Us (/contact-us)
Sign In (/account/sign-in)
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
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Throughout this policy, we use the term "personal information" to describe information that can be
associated with a specific person and can be used to identify that person. We do not consider
personal information to include information that has been aggregated and/or anonymized so that it
does not identify a specific user.
THE INFORMATION WE COLLECT
When you visit the website or use one of our mobile applications or other Services, we collect your
IP address, and standard web log information, such as your browser type and the pages you
accessed on our website. We also may collect Geolocation Information (defined below). If you do
not agree to our collection of this information, you may not be able to use our Service.
If you open a Venmo account, we collect the following information from you:
Account Information - text-enabled cellular/wireless telephone number, machine or mobile
device ID and other similar information.
Identification Information - your name, street address, email address, date of birth, and SSN
(or other governmental issued verification numbers).
Device Information - information about you: (a) from your mobile device or computer such as
your device type, machine or mobile device identification number, Geolocation Information,
time zone, language setting, browser type, and IP address, and (b) from third parties for
purposes of transaction processing, identity verification, fraud detection or prevention and
other similar purposes. For fraud prevention purposes, we also may link your machine ID
with the machines of others who use your same payment cards.
Geolocation Information - information that identifies with reasonable specificity your location
by using, for instance, longitude and latitude coordinates obtained through GPS, Wi-Fi, or
cell site triangulation. We will collect this data for fraud and risk purposes. In addition, some
of our Services may ask you for permission to share your current location within your device
settings to enhance our Services. If you do not agree to our collection of Geolocation
Information, our Services may not function properly when you try to use them. For
information about your ability to restrict the collection and use of Geolocation Information to
enhance our Services, please refer to the settings available in your device.
Social Web Information - including but not limited to your Facebook Connect credentials and
email account information. If you authorize Facebook Connect, the plug in allows us access
to your email address, Facebook friends list, and public profile (including profile picture). We
also allow you to import data from other social web services, including but not limited to
Twitter, FourSquare, and email service providers. Social and e-mail contact information helps
you connect to friends and contacts for invitation and payment transmission purposes (as
well as helping us improve the Services and fight fraud). Additionally, another Venmo user
may mention you in a transaction to which you are not a party by “tagging” your username in
a transaction note or comment. When you are mentioned in a transaction note or comment
into which you have visibility (e.g., a public transaction, a “friends only” transaction by one of
your Venmo friends, or a comment on either such transaction), a link to your Venmo profile
will appear in the transaction note or comment and, if your push notifications are turned on,
you will receive a push notification about the mentions. You may manage certain contact
preferences and notifications in your account settings.
Financial Information - bank account online login information, bank account and routing
numbers and credit cards linked to your Venmo account. Venmo does not share financial
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
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information with third party social networking services such as those listed in the prior bullet.
We are committed to providing a safe, secure and all around great service. Therefore, before
permitting you to use the Services, we may require additional information from you we can use to
verify your identity, address or other information or to manage risk and compliance throughout our
relationship. We may also obtain information about you from third parties such as identity
verification, fraud prevention and similar services.
When you are using the Services, we collect information about your account transactions and we
may collect Geolocation Information and/or information about your computer or other access
device for fraud prevention and other similar purposes.
Finally, we may collect additional information from or about you in other ways not specifically
described here. For example, we may collect information related to your contact with our customer
support team or store results when you respond to a survey.
INFORMATION FROM CHILDREN
The Services are not directed to children under the age of 13. If we obtain actual knowledge that
we have collected personal information from a child under the age of 13, we will promptly delete it,
unless we are legally obligated to retain such data. Contact us (https://help.venmo.com/hc/en-
us/requests/new) if you believe that we have mistakenly or unintentionally collected information
from a child under the age of 13.
HOW WE USE COOKIES
When you visit or use our Services, or visit a third-party website for which we provide online
services, we and certain business partners and vendors may use cookies and other tracking
technologies (collectively, "Cookies"). We use Cookies to recognize you as a customer; customize
Services, other content and advertising; measure the effectiveness of promotions; perform a wide
range of analytics; mitigate risk and prevent potential fraud; and to promote trust and safety across
our Services.
Certain Services are only available through the use of Cookies, so if you choose to disable or
decline Cookies, your use of certain Services may be limited or not possible.
Do Not Track: 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 respond to DNT
signals.
HOW WE PROTECT & STORE PERSONAL INFORMATION
We store and process your personal information using third party servers located in data centers in
the United States. This information is protected by physical, electronic and procedural safeguards
in compliance with applicable US federal and state regulations. We also use computer safeguards
such as firewalls and data encryption, we enforce physical access controls to our office and files,
and we authorize access to personal information only for those employees who require it to fulfill
their job responsibilities.
We strive to ensure security on our systems. Despite our efforts, we cannot guarantee that
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
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personal information may not be accessed, disclosed, altered or destroyed by breach of our
administrative, managerial and technical safeguards. Therefore, we urge you to take adequate
precautions to protect your personal data as well, including never sharing your Venmo password
with anyone.
If Venmo learns of a systems security breach, we may attempt to notify you electronically so that
you can take appropriate protective steps. By using the Services, you agree that Venmo may
communicate with you electronically. Venmo may post a notice on the website or mobile
application if a security breach occurs. We may also send an email to you at the email address you
have provided to us. Depending on where you live, you may have a legal right to receive notice of
a security breach in writing. To receive free written notice of a security breach (or to withdraw your
consent from receiving electronic notice of a security breach), please email us at
privacy@venmo.com (mailto:privacy@venmo.com)
HOW WE USE THE PERSONAL INFORMATION WE COLLECT
Our primary purpose in collecting personal information is to provide you with a safe, smooth,
efficient, fun and customized experience. We may use your personal information to:
provide the services and customer support you request;
process transactions and send notices about your transactions or your network activity;
resolve disputes, collect fees, and troubleshoot problems;
prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement
through the use of our risk and fraud tools which may include use of Account Information,
Identification Information, Financial Information, Device Information, Social Web Information
and Geolocation Information;
create an account connection between your Venmo account and a third-party account or
platform;
customize, personalize, measure, and improve our services and the content and layout of
our website;
send you updates about new products and services that we are offering to customers;
compare information for accuracy and verify it with third parties;
perform other duties as required by law; and
if you elect to share your Geolocation Information, we will use this information to enhance the
security of the Services and we may use this information to provide you with location-specific
options, functionality, offers, advertising, search results, or other location-specific content.
HOW WE SHARE PERSONAL INFORMATION WITHIN THE VENMO NETWORK
To process payments on Venmo, we need to share some of your personal information with the
person or company that you are paying or is paying you. Your contact information, date of sign-up,
the number of payments you have received and other verification metrics like social graph activity
may be provided to users or companies when you transact with, on, or through Venmo.
We work with vendors to enable them to accept payments from you using Venmo. In doing so, a
vendor may share information about you with us, such as your mobile phone number or Venmo
username, when you attempt to pay that vendor. We use this information to confirm to that vendor
that you are a Venmo customer and that the vendor should enable Venmo as a form of payment
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
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for your purchase.
Regardless, we will not disclose your credit card number or bank account number to anyone you
have paid or who has paid you through Venmo, except with your express permission or if we are
required to do so to comply with a subpoena or other legal process.
HOW WE SHARE PERSONAL INFORMATION WITH OTHER PARTIES
Venmo does not share your personal information with third parties for their promotional or
marketing purposes.
Some personal information is public information and may be seen by anyone on the internet,
whether or not they have a Venmo account. Public information may also be seen, accessed,
reshared or downloaded through Venmo's APIs or third-party services that integrate with our
products.
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.
Public information for business profiles includes Venmo username, profile and background
photos, business name, business description, and QR code. Public information for business
profiles may be indexed by and searchable on search engines.
In addition to any public information, your Venmo friends list may be seen by any logged-in Venmo
user.
We may share your personal information with:
Our parent company, PayPal, Inc. and affiliates and subsidiaries it controls, but only for
purposes allowed by this document.
Companies that PayPal, Inc. plans to merge with or be acquired by or, in the event of any
bankruptcy, a bankruptcy estate. Should such a combination occur, we will require that the
new combined entity follow this privacy policy with respect to your personal information. If
your personal information could be used contrary to this policy, you will receive prior notice
and the opportunity to communicate preferences you may have, if applicable.
Law enforcement, government officials, or other third parties if PayPal is compelled to do so
by a subpoena, court order or similar legal procedure, when it is necessary to do so to
comply with law, or where the disclosure of personal information is reasonably necessary to
prevent physical harm or financial loss, to report suspected illegal activity, or to investigate
violations of the Venmo User Agreement, or as otherwise required by law.
Third party service providers who assist us in providing services to you or who provide fraud
detection or similar services on our or any vendor’s behalf.
The other Venmo user participating in the transaction and, depending on the privacy setting
of each Venmo account transaction, your Venmo friends and the Venmo friends of the other
user participating in the transaction, or the public, through the Venmo feed on our website
and mobile application and elsewhere on the internet.
Service providers under contract who help with parts of our business operations (for
example, fraud prevention, payment processing, or technology services). Our contracts
dictate that these service providers only use your information in connection with the services
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
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they perform for us and not for their own benefit.
Other third parties with your consent or at your direction to do so, including if you authorize
an account connection with a third-party account or platform.
For the purposes of this privacy policy, an "account connection" with such a third party
is a connection you authorize or enable between your Venmo account and a non-
Venmo account, payment instrument, or platform that you lawfully control or own.
When you authorize such a connection, Venmo and the third-party will exchange your
personal information and other information directly. Examples of account connections
include, without limitation: linking your Venmo account to a social media account or
social messaging service; connecting your Venmo account to a third-party data
aggregation or financial services company, if you provide such company with your
Venmo account log-in credentials; or using your Venmo account to make payments to a
merchant or allowing a merchant to charge your Venmo account.
If you connect your Venmo account to other financial accounts, directly or through a
third-party service provider, we may have access to your account balance and account
and transactional information, such as purchases and funds transfers. If you choose to
create an account connection, we may receive information from the third-party about
you and your use of the third-party’s service. For example, if you connect your Venmo
account to a social media account, we will receive personal information from the social
media provider via the account connection. We will use all such information that we
receive from a third-party via an account connection in a manner consistent with this
privacy policy.
Information that we share with a third-party based on an account connection will be
used and disclosed in accordance with the third-party’s privacy practices. Before
authorizing an account connection, you should review the privacy notice of any third-
party that will gain access to your personal information as part of the account
connection. For example, personal information that Venmo shares with a third-party
account or platform such as a social media account may in turn be shared with certain
other parties, including the general public, depending on the account’s or platform’s
privacy practices.
If you choose to use Siri or iMessage to send payments via Venmo or to otherwise use
the Services, such use is subject to Apple’s terms and conditions for use of iMessage
and/or Siri, as applicable, and the terms of the Venmo User Agreement. By using Siri or
iMessage, you authorize us to share some of your Venmo account data (including your
friends list, list of persons you have transacted with most recently and most frequently,
transaction instructions, and transaction notes) with Apple to allow it to facilitate
transaction requests made through Siri or iMessage on iOS. Data shared with Apple
will be used pursuant to Apple’s then-current user agreements and privacy policies.
You can grant or revoke Apple’s access to Venmo on iOS at any time under the “Siri” or
“iMessage” settings on your iPhone.
Venmo does not send your personal information to third-party social networks unless you
have specifically requested or authorized us to do so. When you broadcast information to
such third-party social networks, such information is no longer under the control of Venmo
and is subject to the terms of use and privacy policies of such third parties.
HOW YOU CAN ACCESS OR CHANGE YOUR PERSONAL INFORMATION
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
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You can review and update your personal information in your account settings at any time by
logging in to your account.
LINKS TO OTHER SERVICES OR SITES
The Services may contain links to (or allow you to link to) other third-party services or websites.
Venmo does not control the information collection of third-party services or websites that can be
reached through such links. We encourage our users to be aware when they are linking to a third-
party service or website and to read the privacy statements of any third-party service or website
that collects personally identifiable information.
CHANGES TO OUR PRIVACY POLICY
Venmo is always improving. As the Services evolve we may occasionally update this privacy
policy. If we modify this privacy policy, we will post the revised privacy policy to the website, and
we will also revise the "last updated date" stated above. If we make material changes in the way
we use personal information, we will notify you by posting an announcement on our mobile
application or website or by sending you an e-mail. It is your responsibility to periodically review
this privacy policy; users are bound by any changes to the privacy policy by using the Services
after such changes have been first posted.
HOW TO CONTACT US
If you have questions or concerns regarding this privacy policy, or any feedback pertaining to your
privacy and the Services that you would like us to consider, please email us at
privacy@venmo.com (mailto:privacy@venmo.com)
Venmo is a service provided by PayPal, Inc. ("Venmo")
ඟඐඉග ඌ඗ඍඛ ඞඍඖඕ඗ ඌ඗ ඟඑගඐ ඡ඗ඝක ඘ඍකඛ඗ඖඉඔ
එඖඎ඗කඕඉගඑ඗ඖ?
Why?
Financial companies choose how they share your personal information. Federal
law gives consumers the right to limit some but not all sharing. Federal law also
requires us to tell you how we collect, share, and protect your personal
information. Please read this notice carefully to understand what we do.
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
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ඟඐඉග ඌ඗ඍඛ ඞඍඖඕ඗ ඌ඗ ඟඑගඐ ඡ඗ඝක ඘ඍකඛ඗ඖඉඔ
එඖඎ඗කඕඉගඑ඗ඖ?
What?
The types of personal information we collect and share depend on the product or
service you have with us. This information can include:
Social Security number and account balances
Payment history or transaction history
Credit history or credit scores
When you are no longer our customer, we continue to share your information as
described in this notice.
How?
All financial companies need to share customers’ personal information to run their
everyday business. In the section below, we list the reasons financial companies
can share their customers’ personal information; the reasons Venmo chooses to
share; and whether you can limit this sharing.
Reasons we can share your personal information
Does
Venmo
share?
Can you limit
this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your
account(s), respond to court orders and legal investigations,
or report to credit bureaus
Yes
No
For our marketing purposes—
to offer our products and services to you
Yes
No
For joint marketing with other financial companies
Yes
No
For our affiliates’ everyday business purposes—
information about your transactions and experiences
Yes
No
For our affiliates’ everyday business purposes—
information about your creditworthiness
No
We don’t share
For our affiliates to market to you
No
We don’t share
For nonaffiliates to market to you
No
We don’t share
Who we are
Who is providing
this Privacy Policy?
This privacy notice is provided by Venmo, a service of PayPal, Inc. in
connection with its provision of Venmo, and is applicable to your
personal Venmo account.
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
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What we do
How does Venmo
protect my personal
information?
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.
How does Venmo
collect my personal
information?
We collect your personal information, for example, when you
open an account or provide account information
link your credit or debit card to your Venmo account or give us
your contact information
use your Venmo account to send or receive funds
We also collect your personal information from others, such as
credit bureaus, affiliates, or other companies.
Why can’t I limit all
sharing?
Federal law gives you the right to limit only
sharing for affiliates’ everyday business purposes—
information about your creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights
to limit sharing. See below for more information on your rights under
state law.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial
and nonfinancial companies.
Our affiliates include Bill Me Later, Inc.
Nonaffiliates
Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
Nonaffiliates with which we share personal information include service
providers that perform services or functions on our behalf.
Joint
Marketing
A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
Our joint marketing partners include financial companies.
Other important information
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
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Other important information
We may transfer personal information to other countries, for example, for customer service or to
process transactions.
California: If your Venmo account has a California mailing address, we will not share personal
information we collect about you except to the extent permitted under California law.
Vermont: If your Venmo account has a Vermont mailing address, we will not share personal
information we collect about you with non-affiliates unless the law allows or you provide
authorization.
In this notice, we are addressing specific disclosure requirements under the California Consumer
Privacy Act of 2018 for California residents. This notice should be read together with Venmo’s
Privacy Policy and applies to all California residents who visit our Sites or use the Services.
Personal Information Collection and Purposes of Use
We collect, use and share personal information regarding California residents as described in this
notice.
We did not sell any consumers’ personal information in the preceding 12 months.
California Residents’ Privacy Rights
California residents have rights to request access to certain personal information collected about
them over the past 12 months, or deletion of their personal information, subject to certain
exceptions, and may not be discriminated against because they exercise any of their rights under
the California Consumer Privacy Act. We may require you to provide additional personal
information to verify your identity before we process your request; we may not process your
request if we are unable to verify your identity. You may contact us by clicking here
(https://help.venmo.com/hc/en-us/requests/new) or call us at 1-855-812-4430.
In the preceding 12
months, we have
collected the
following
categories of
personal
information from
California
Residents:
We have collected
such personal
information from
the following
categories of
sources:
We collected such
personal
information to use
for the following
purposes:
In the preceding 12
months, we shared
such personal
information with the
following
categories of third
parties:
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
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In the preceding 12
months, we have
collected the
following
categories of
personal
information from
California
Residents:
We have collected
such personal
information from
the following
categories of
sources:
We collected such
personal
information to use
for the following
purposes:
In the preceding 12
months, we shared
such personal
information with the
following
categories of third
parties:
a. Identifiers such as
a real name, alias,
postal address,
unique personal
identifier, online
identifier, Internet
Protocol address,
email address,
account name, social
security number,
driver’s license
number, passport
number, or other
similar identifiers.
from you when
you use our
Services
merchants
service providers
financial
institutions
provide the
Services and
customer support
process
transactions and
send notices
about your
transactions or
your network
activity
resolve disputes,
collect fees, and
troubleshoot
problems
prevent potentially
fraudulent,
prohibited or
illegal activities,
and enforce our
User Agreement
create an account
connection
between your
Venmo account
and a third-party
account or
platform
customize,
personalize,
measure, and
improve our
services and the
content and layout
of our website
send you updates
about new
products and
services that we
are offering to
customers
compare
information for
accuracy and
verify it with third
parties
perform other
duties as required
by law
PayPal, Inc. and
affiliates and
subsidiaries it
controls
service providers
financial
institutions
merchants
third party
accounts or
platforms
parties to the
transaction
other Venmo
users
internet users
(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, whether
or not they have a
Venmo account)
third parties for
our business
purposes or as
permitted or
required by law
law enforcement,
government
officials, or other
third parties
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
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In the preceding 12
months, we have
collected the
following
categories of
personal
information from
California
Residents:
We have collected
such personal
information from
the following
categories of
sources:
We collected such
personal
information to use
for the following
purposes:
In the preceding 12
months, we shared
such personal
information with the
following
categories of third
parties:
b. Any categories of
personal information
described in
subdivision (e) of
Section 1798.80:
“Personal
information” means
any information that
identifies, relates to,
describes, or is
capable of being
associated with, a
particular individual,
including, but not
limited to, his or her
name, signature,
social security
number, physical
characteristics or
description, address,
telephone number,
passport number,
driver’s license or
state identification
card number,
insurance policy
number, education,
employment,
employment history,
bank account
number, credit card
number, debit card
number, or any other
financial information,
medical information,
or health insurance
information.
“Personal
information” does not
include publicly
available information
that is lawfully made
available to the
general public from
federal, state, or local
government records.
from you when
you use our
Services
merchants
service providers
financial
institutions
provide the
Services and
customer support
process
transactions and
send notices
about your
transactions or
your network
activity
resolve disputes,
collect fees, and
troubleshoot
problems
prevent potentially
fraudulent,
prohibited or
illegal activities,
and enforce our
User Agreement
create an account
connection
between your
Venmo account
and a third-party
account or
platform
customize,
personalize,
measure, and
improve our
services and the
content and layout
of our website
send you updates
about new
products and
services that we
are offering to
customers
compare
information for
accuracy and
verify it with third
parties
perform other
duties as required
by law
PayPal, Inc. and
affiliates and
subsidiaries it
controls
service providers
financial
institutions
merchants
third party
accounts or
platforms
parties to the
transaction
other Venmo
users
internet users
(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, whether
or not they have a
Venmo account)
third parties for
our business
purposes or as
permitted or
required by law
law enforcement,
government
officials, or other
third parties
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
12 of 18
9/14/2020, 2:02 PM
Case 4:20-cv-03056-DMR   Document 79-2   Filed 09/14/20   Page 13 of 19

In the preceding 12
months, we have
collected the
following
categories of
personal
information from
California
Residents:
We have collected
such personal
information from
the following
categories of
sources:
We collected such
personal
information to use
for the following
purposes:
In the preceding 12
months, we shared
such personal
information with the
following
categories of third
parties:
c. Characteristics of
protected
classifications under
California or federal
law.
from you when
you use our
Services
service providers
provide the
Services
prevent potentially
fraudulent,
prohibited or
illegal activities,
and enforce our
User Agreement
send you updates
about new
products and
services that we
are offering to
customers
compare
information for
accuracy and
verify it with third
parties
perform other
duties as required
by law
PayPal, Inc. and
affiliates and
subsidiaries it
controls
service providers
financial
institutions
third parties for
our business
purposes or as
permitted or
required by law
law enforcement,
government
officials, or other
third parties
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
13 of 18
9/14/2020, 2:02 PM
Case 4:20-cv-03056-DMR   Document 79-2   Filed 09/14/20   Page 14 of 19

In the preceding 12
months, we have
collected the
following
categories of
personal
information from
California
Residents:
We have collected
such personal
information from
the following
categories of
sources:
We collected such
personal
information to use
for the following
purposes:
In the preceding 12
months, we shared
such personal
information with the
following
categories of third
parties:
d. Commercial
information, including
records of personal
property, products or
services purchased,
obtained, or
considered, or other
purchasing or
consuming histories
or tendencies.
from you when
you use our
Services
merchants
service providers
financial
institutions
provide the
Services and
customer support
process
transactions and
send notices
about your
transactions or
your network
activity
resolve disputes,
collect fees, and
troubleshoot
problems
prevent potentially
fraudulent,
prohibited or
illegal activities,
and enforce our
User Agreement
create an account
connection
between your
Venmo account
and a third-party
account or
platform
customize,
personalize,
measure, and
improve our
services and the
content and layout
of our website
send you updates
about new
products and
services that we
are offering to
customers
compare
information for
accuracy and
verify it with third
parties
perform other
duties as required
by law
PayPal, Inc. and
affiliates and
subsidiaries it
controls
service providers
financial
institutions
merchants
third party
accounts or
platforms
parties to the
transaction
other Venmo
users
internet users
(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, whether
or not they have a
Venmo account)
third parties for
our business
purposes or as
permitted or
required by law
law enforcement,
government
officials, or other
third parties
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
14 of 18
9/14/2020, 2:02 PM
Case 4:20-cv-03056-DMR   Document 79-2   Filed 09/14/20   Page 15 of 19

In the preceding 12
months, we have
collected the
following
categories of
personal
information from
California
Residents:
We have collected
such personal
information from
the following
categories of
sources:
We collected such
personal
information to use
for the following
purposes:
In the preceding 12
months, we shared
such personal
information with the
following
categories of third
parties:
e. Internet or other
electronic network
activity information,
including, but not
limited to, browsing
history, search
history, and
information regarding
a consumer’s
interaction with an
Internet Web site,
application, or
advertisement.
from you when
you use our
Services
merchants
service providers
provide the
Services and
customer support
process
transactions and
send notices
about your
transactions or
your network
activity
resolve disputes,
collect fees, and
troubleshoot
problems
prevent potentially
fraudulent,
prohibited or
illegal activities,
and enforce our
User Agreement
create an account
connection
between your
Venmo account
and a third-party
account or
platform
customize,
personalize,
measure, and
improve our
services and the
content and layout
of our website
send you updates
about new
products and
services that we
are offering to
customers
compare
information for
accuracy and
verify it with third
parties
perform other
duties as required
by law
PayPal, Inc. and
affiliates and
subsidiaries it
controls
service providers
financial
institutions
third party
accounts or
platforms
third parties for
our business
purposes or as
permitted or
required by law
law enforcement,
government
officials, or other
third parties
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
15 of 18
9/14/2020, 2:02 PM
Case 4:20-cv-03056-DMR   Document 79-2   Filed 09/14/20   Page 16 of 19

In the preceding 12
months, we have
collected the
following
categories of
personal
information from
California
Residents:
We have collected
such personal
information from
the following
categories of
sources:
We collected such
personal
information to use
for the following
purposes:
In the preceding 12
months, we shared
such personal
information with the
following
categories of third
parties:
f. Geolocation data.
from you if you
elect to share this
information
service providers
to enhance the
security of
Services, provide
you with location-
specific options,
functionality,
offers, advertising,
search results, or
other location-
specific content
prevent potentially
fraudulent,
prohibited or
illegal activities,
and enforce our
User Agreement
PayPal, Inc. and
affiliates and
subsidiaries it
controls
service providers
third parties for
our business
purposes or as
permitted or
required by law
law enforcement,
government
officials, or other
third parties
g. Audio, electronic,
visual, thermal,
olfactory, or similar
information.
from you when
you use our
Services
provide the
Services and
customer support
process
transactions
resolve disputes,
collect fees, and
troubleshoot
problems
prevent potentially
fraudulent,
prohibited or
illegal activities,
and enforce our
User Agreement
compare
information for
accuracy and
verify it with third
parties
perform other
duties as required
by law
PayPal, Inc. and
affiliates and
subsidiaries it
controls
service providers
third parties for
our business
purposes or as
permitted or
required by law
law enforcement,
government
officials, or other
third parties
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
16 of 18
9/14/2020, 2:02 PM
Case 4:20-cv-03056-DMR   Document 79-2   Filed 09/14/20   Page 17 of 19

In the preceding 12
months, we have
collected the
following
categories of
personal
information from
California
Residents:
We have collected
such personal
information from
the following
categories of
sources:
We collected such
personal
information to use
for the following
purposes:
In the preceding 12
months, we shared
such personal
information with the
following
categories of third
parties:
h. Inferences drawn
from any of the
information identified
in this subdivision to
create a profile about
a consumer reflecting
the consumer’s
preferences,
characteristics,
psychological trends,
predispositions,
behavior, attitudes,
intelligence, abilities,
and aptitudes.
from you when
you use our
Services
merchants
service providers
provide the
Services
prevent potentially
fraudulent,
prohibited or
illegal activities,
and enforce our
User Agreement
customize,
personalize,
measure, and
improve our
services and the
content and layout
of our website
send you updates
about new
products and
services that we
are offering to
customers
perform other
duties as required
by law
PayPal, Inc. and
affiliates and
subsidiaries it
controls
service providers
financial
institutions
third parties for
our business
purposes or as
permitted or
required by law
law enforcement,
government
officials, or other
third parties
Learn more
How it works
(/about
/product)
Our Fees
(/about/fees)
Business
(/business)
Card (/card)
Security
(/about
/security)
Contact Us
(/contact-us/)
Company
Our Team
(/team/)
Jobs (/jobs)
Community
Blog
(http://blog.venmo.com)
Help Center
(https://help.venmo.com)
Developer
(https://venmo.com
/developers)
Terms
Legal (/legal
/us-user-
agreement/)
Privacy (/legal
/us-privacy-
policy/)
(https://itunes.apple.com
/us/app/venmo
/id351727428?mt=8)
(https://play.googl
/store
/apps/details?id=c
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
17 of 18
9/14/2020, 2:02 PM
Case 4:20-cv-03056-DMR   Document 79-2   Filed 09/14/20   Page 18 of 19

Venmo is a service of PayPal, Inc., a licensed provider of money transfer services (NMLS ID: 910457).
All money transmission is provided by PayPal, Inc. pursuant to PayPal, Inc.’s licenses (/legal/us-
disclosures/). © 2020 PayPal, Inc.
Venmo | Privacy Policy
https://venmo.com/legal/us-privacy-policy/
18 of 18
9/14/2020, 2:02 PM
Case 4:20-cv-03056-DMR   Document 79-2   Filed 09/14/20   Page 19 of 19

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