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===Consumer privacy concerns===
===Consumer privacy concerns===
Data collection and sharing are the major concerns of consumers.
Data collection and sharing are the major concerns of consumers.
:They collect customers social security numbers, income, transaction history, credit reports, and geo location via mobile apps.<ref name=":01"></ref> <ref name=":05">{{Cite web |date=January 1, 2025 |title=Online Privacy Policy |url=https://www.chase.com/digital/resources/privacy-security/privacy/online-privacy-policy |website=Chase  |url-status=live |archive-url=http://web.archive.org/web/20260208231237/https://www.chase.com/digital/resources/privacy-security/privacy/online-privacy-policy |archive-date=8 Feb 2026}}</ref> Consumer credit-worthiness is shared with affiliates and sell data to third parties unless users opt-out.<ref name=":02"></ref><ref name=":01"></ref> Their partners gain access to applicant data, which is buried in the ToS.<ref name=":02"></ref>
:Chase collects customer social security numbers, income, transaction history, credit reports, and geo location via mobile apps.<ref name=":01"></ref> <ref name=":05">{{Cite web |date=January 1, 2025 |title=Online Privacy Policy |url=https://www.chase.com/digital/resources/privacy-security/privacy/online-privacy-policy |website=Chase  |url-status=live |archive-url=http://web.archive.org/web/20260208231237/https://www.chase.com/digital/resources/privacy-security/privacy/online-privacy-policy |archive-date=8 Feb 2026}}</ref> Consumer credit-worthiness is shared with affiliates and sell data to third parties unless users opt-out.<ref name=":02"></ref><ref name=":01"></ref> Their partners gain access to applicant data, which is buried in the ToS.<ref name=":02"></ref>


===Business model===
===Business model===