Apple Updates Apple Card Privacy Policy to Reflect More Extensive Data Sharing Practices

Apple is updating its privacy policy for the Apple Card because it wants to share more anonymized data with Goldman Sachs, the financial partner that backs the card. Apple plans to share additional data with Goldman Sachs for improving how credit is assigned to new customers.

apple card with iphone
According to TechCrunch, data that is collected is aggregated and anonymized, and there is an opt-out option for new customers.

Apple says that sharing more data could expand the kind of user that is able to apply for an ‌Apple Card‌. For those who apply and are not approved, there's also a new option to share more personal data with Goldman Sachs, such as purchase history of Apple products. The new wording of the privacy policy is below:

"You may be eligible for certain Apple Card programs provided by Goldman Sachs based on the information provided as part of your application. Apple may know whether you receive the invitation to participate and whether you accept or decline the invitation, and may share that information with Goldman Sachs to effectuate the program. Apple will not know additional details about your participation in the program.

Apple may use information about your account with Apple, such as the fact that you have Apple Card, for internal research and analytics purposes, such as financial forecasting. Apple may also use information about your relationship with Apple, such as what Apple products you have purchased, how long you have had your Apple ID, and how often you transact with Apple, to improve Apple Card by helping to identify Apple metrics that may assist Goldman Sachs in improving credit decisioning. No personally identifiable information about your relationship with Apple will be shared with Goldman Sachs to identify the relevant Apple metrics. You can opt out of this use or your Apple relationship information by emailing our privacy team at dpo@apple.com with the subject line "Apple Relationship Data and Apple Card."

Applicants and cardholders may be able to choose to share the identified metrics with Goldman Sachs for re-evaluation of their offer of credit or to increase their credit line. Apple may share information about your relationship with Apple with our service providers, who are obligated to handle the information consistent with this notice and Apple instructions, are required to use reasonable security measures to protect any personal information received, and must delete the personal information as soon as they have completed the services."

Along with these privacy policy changes, Apple is introducing more detail to internal transactions. There will be no more ambiguity about charges that are labeled Apple Services, and it will now more clearly state exactly what has been purchased.

Apple's privacy policy changes are included in iOS 13.4, but the option to share data will not roll out immediately for new ‌Apple Card‌ users and will appear later.

Top Rated Comments

adamjackson Avatar
20 months ago

here will be no more ambiguity about charges that are labeled Apple Services, and it will now more clearly state exactly what has been purchased.
That's a nice improvement. I'd prefer a bundle instead but I get $19.99 for iCloud Storage, $14.99 for Apple Music, $4.99 for arcade and then rentals, AppleCare, etc all as "Apple services"
Score: 4 Votes (Like | Disagree)
boccabella Avatar
20 months ago
If you're doing business with Goldman Sachs don't expect it to end well for you.
Score: 4 Votes (Like | Disagree)
DeepIn2U Avatar
20 months ago

Email sent!
^ Damn that was really quick.
Score: 3 Votes (Like | Disagree)
now i see it Avatar
20 months ago
If a credit crud company isn't interested in you, you shouldn't be interested in it.
Score: 2 Votes (Like | Disagree)
calzon65 Avatar
20 months ago
Big Brother is everywhere.
Score: 1 Votes (Like | Disagree)
BigMcGuire Avatar
20 months ago

A bundle would be nice. $50 a month for everything, we'd pay that for sure!

You're right, It's $9.99 a month for the 2TB plan.

Had my hopes up for an increase of space :D Though I'm only using 288GB. Wow.
Score: 1 Votes (Like | Disagree)

Top Stories

apple california streaming event

Apple Event Announced: 'California Streaming' on September 14 With iPhone 13, Apple Watch Series 7 Expected

Tuesday September 7, 2021 9:03 am PDT by
Apple today announced that it will be holding a special event on Tuesday, September 14 at 10:00 a.m. The event will take place at the Steve Jobs Theater on the Apple Park campus in Cupertino, California. As with WWDC and last year's fall events, this new event will be held digitally with no members of the media invited to attend in person. Apple will likely provide pre-taped segments for...
Apple Prefer Lightning Over USB C Feature

iPhone Sticking With Lightning Port Over USB-C for 'Foreseeable Future'

Tuesday March 2, 2021 9:32 am PST by
Apple will retain the Lightning connector on the iPhone for the "foreseeable future," with no intention of switching to USB-C, according to reliable analyst Ming-Chi Kuo. In spite of much of the industry moving toward USB-C, Apple will not be using it to replace the Lightning connector on the iPhone 13, or indeed on any iPhone model for the time being. In a note seen by MacRumors yesterday,...
iphone 12 colors 2021

iPhone 12 Colors: Deciding on The Right Color

Thursday November 5, 2020 8:35 am PST by
The iPhone 12 and iPhone 12 Pro arrived in October 2020 in a range of color options, with entirely new hues available on both devices, as well as some popular classics. The 12 and 12 Pro have different color choices, so if you have your heart set on a particular shade, you might not be able to get your preferred model in that color. iPhone 12 mini and iPhone 12 The iPhone 12 mini and iPhone...
it home ecommerce app iphone 13

iPhone 13 to Launch on September 17, AirPods 3 on September 30, Claims Report

Wednesday August 25, 2021 2:42 am PDT by
Apple may be planning to launch the iPhone 13 on Friday, September 17 and third-generation AirPods on Thursday, September 30, according to an image of an e-commerce app discovered by Chinese language site IT Home. The screenshot, originally posted by Weibo account @PandaIsBald, suggests all four iPhone 13 models will go on sale on September 17, followed by the AirPods 3 on September 30....
youtube apple tv

YouTube Discontinuing 3rd-Generation Apple TV App, AirPlay Still Available

Wednesday February 3, 2021 3:09 pm PST by
YouTube is planning to stop supporting its YouTube app on the third-generation Apple TV models, where YouTube has long been available as a channel option. A 9to5Mac reader received a message about the upcoming app discontinuation, which is set to take place in March.Starting early March, the YouTube app will no longer be available on Apple TV (3rd generation). You can still watch YouTube on...
original iphone

Phil Schiller Says iPhone Was 'Earth-Shattering' Ten Years Ago and Remains 'Unmatched' Today

Monday January 9, 2017 7:15 am PST by
To commemorate the tenth anniversary of the iPhone, Apple marketing chief Phil Schiller sat down with tech journalist Steven Levy for a wide-ranging interview about the smartphone's past, present, and future. The report first reflects upon the iPhone's lack of support for third-party apps in its first year. The argument inside Apple was split between whether the iPhone should be a closed...
studio buds family

Beats Studio Buds Debuting Today With Active Noise Cancellation, Stemless Design, and More for $150

Monday June 14, 2021 8:00 am PDT by
We've seen a lot of teasers about the Beats Studio Buds over the past month since they first showed up in Apple's beta software updates, and today they're finally official. The Beats Studio Buds are available to order today in red, white, and black ahead of a June 24 ship date, and they're priced at $149.99. The Studio Buds are the first Beats-branded earbuds to truly compete with AirPods...
maroon5memories

Apple Collaborates With Maroon 5 to Add 'Memories' Song to Photos App

Wednesday September 25, 2019 12:02 pm PDT by
Apple has teamed up with Maroon 5 to add the group's new song "Memories" to the Memories feature in the Photos app, allowing it to be used for photo slide show creations, reports Billboard. "Memories" will be available as a soundtrack option for a limited time and it is available to iPhone and iPad users running the latest iOS 13 and iPadOS software. Memories in the Photos app are created ...
ulysses Blog Publishing

Ulysses 22 Brings New Blogging Options and Visual Customizations

Monday March 22, 2021 5:24 am PDT by
Popular writing app Ulysses today received its 22nd major release, introducing new publishing features and additional options for users to customize the visual appearance of their writing environment. As well as providing a focused writing environment, Ulysses offers ways to publish texts from within the app to various blogging platforms. Version 22 adds the ability to publish to Micro.blog, ...
affinity designer contour tool

Serif Updates Affinity Photo, Designer, and Publisher With New Tools and Functions

Thursday February 4, 2021 1:58 am PST by
Serif today announced across-the-board updates for its popular suite of Affinity creative apps, including Affinity Photo, Affinity Designer, and the Apple award-winning Affinity Publisher for Mac, all of which were among the first professional creative suites to be optimized for Apple's new M1 chip. "After another year which saw record numbers of people switching to Affinity, it's exciting to...