Chase Digital Services Agreement

Sharing & Disclosure · Permission or license

Using an Agent means consenting to share your sensitive account information with it

When you use Agents to access your accounts, the Digital Platforms or the Services, you acknowledge and explicitly consent to sharing your sensitive account information with the Agent. You also acknowledge that Chase's privacy policies do not apply to the Agent and that Chase has no control over how the third party uses, reuses, stores or protects your data.

Supporting quotations

you acknowledge and explicitly consent to sharing your sensitive Account information with the Agent. You also acknowledge that our privacy policies do not apply to the Agent and we have no control over how the third party uses, reuses, stores or protects your data.

Qualifications & exceptions

• Applies when you use an Agent to access your accounts, the platforms or Services.

Not stated here

• What data the Agent receives and how it handles it depends on the third party and is not stated here.

Sharing & Disclosure · Context

Chase's privacy policy and notices apply to the platforms; they include opt-out rights

Chase's online privacy policy and, where appropriate, its U.S. consumer privacy notices, as amended from time to time and available at chase.com and jpmorganonline.com, apply to your use of the Digital Platforms and any of the Services. The agreement says those notices, which include details about Chase's information sharing practices and your right to opt out of certain information sharing, were provided when you opened your account, and can be viewed through the Security & Privacy tab then Data Privacy, or the Privacy link at the bottom of Chase website pages.

Supporting quotations

Our online privacy policy and, where appropriate, our U.S. consumer privacy notices, as amended from time to time (available online at chase.com and jpmorganonline.com), apply to your use of the Digital Platforms and any of the Services.

Our privacy notices, which include details about our information sharing practices and your right to opt out of certain information sharing, were provided to you when you opened your account with us.

The notices can be viewed by clicking on the “Security & Privacy” tab, then “Data Privacy” or by scrolling to the bottom of our website pages and clicking the “Privacy” link.

Qualifications & exceptions

• The U.S. consumer privacy notices apply where appropriate.
• The notices may be amended from time to time.

Not stated here

• The privacy policy and privacy notices are separate documents that are not supplied here, so their contents, including what information is shared, cannot be described from this agreement.

Sharing & Disclosure · Permission or license

You give Chase and its Aggregation Vendor a limited power of attorney to act as your agent at other institutions

To provide the service you authorize Chase and the Aggregation Vendor to give authorizations on your behalf with a Linked Account, to the extent you do not do so directly, and to request Aggregated Data under them. You grant Chase and the Vendor a limited power of attorney and appoint each as your attorney-in-fact and agent, able to act independently or jointly, to access Linked Accounts to retrieve information on your behalf, and to use that information in your name and place in any and all capacities as you could in person. You acknowledge that when they do so they act as your agent and not as an agent of the institution holding the Linked Account, and that each Linked Account may rely on these authorizations and the power of attorney. The service is not sponsored or endorsed by any third party.

Supporting quotations

you authorize us and Aggregation Vendor to provide authorizations on your behalf with a Linked Account to the extent you do not do so directly and request Aggregated Data pursuant to those authorizations.

You grant us and Aggregation Vendor a limited power of attorney and appoint us and Aggregation Vendor as your lawful attorneys‐in‐fact and agents, each with authority to act independently or jointly, to access Linked Accounts to retrieve information on your behalf. You grant us the ability to use this information in your name and in your place, in any and all capacities, as fully to all intents and purposes as you might or could do in person.

WE OR AGGREGATION VENDOR, AS APPLICABLE, IS ACTING AS YOUR AGENT AND NOT THE AGENT OF OR ON BEHALF OF THE INSTITUTION HOLDING THE LINKED ACCOUNT. You agree that each Linked Account shall be entitled to rely on the foregoing authorizations, agency appointment, and limited power-of-attorney granted by you to us and Aggregation Vendor for all purposes hereunder. The Aggregation Service is not sponsored or endorsed by any third-party.

Qualifications & exceptions

• The power of attorney is described as limited and tied to accessing Linked Accounts to retrieve information.
• They act as your agent, not the agent of the institution holding the Linked Account.

Not stated here

• The Addendum does not describe what limits apply to the use of the information in your name beyond retrieving information on your behalf.

Sharing & Disclosure · Permission or license

To enroll in e-Bills you authorize Chase and its provider to pass your Payee username and password to the Payee

When you request e-Bills from a participating Payee you provide certain information such as a required username and password. You authorize Chase and its third party service provider to collect that information and forward it to the Payee on your behalf, and you appoint them as your agent for the limited purpose of completing your enrollment. If you have concerns about the Payee's future use of this information, you should contact the Payee directly.

Supporting quotations

When you request e-Bills from a participating Payee you will provide certain information such as required username and password, and you authorize us and our third party service provider to collect and forward such information onto the Payee on your behalf, and you appoint us and our third party service provider as your agent for the limited purpose of completing your enrollment.

If you have concerns about the future use of this information by the Payee you should contact your Payee directly.

Qualifications & exceptions

• The agency appointment is for the limited purpose of completing your enrollment.

Not stated here

• The third party service provider is not named, and the Payee's use of the information is governed by the Payee.

Sharing & Disclosure · Company practice

Chase shares your gift card and recipient details with its provider, the merchant and the merchant's vendor

Chase shares your Gift Card information, including the recipient's information, with its gift card service provider or the merchant, who will share it with their vendor. Those parties are responsible for delivering the Gift Card to the person you choose at the email address or contact information you provided. If your payment is successful, you authorize Chase to withdraw and transfer money from your From Account in the Gift Card amount, immediately or on the Send On Date as applicable, to pay the provider or merchant.

Supporting quotations

We will share your Gift Card information including recipient’s information with our gift card service provider or the merchant, who will share the information with their vendor. Our gift card service provider or the merchant and the merchant’s vendor are responsible for delivering the Gift Card to the person you choose and to the email address or other contact information you provided.

If your payment for the Gift Card is successful, you authorize us to withdraw and transfer money from your From Account in the amount of the Gift Card immediately or on the Send On Date, as applicable, to pay our gift card service provider or the merchant.

Qualifications & exceptions

• Recipients' information is passed on to the merchant's vendor.

Not stated here

• The merchants', providers' and vendors' own data practices are not described in this document.

Sharing & Disclosure · Permission or license

Using P3 has Chase share your full card number and other card data with merchants, PayPal, networks and others

When you use P3 you ask Chase to provide the merchant, the applicable payment network (such as Visa), PayPal and others (such as a payment processing entity or a token service provider) your selected Chase P3 Card information, including the full account number and other information associated with the card. This allows your transaction to be completed and/or lets you take part in customer benefit programs such as loyalty and rewards programs to the extent maintained by Chase or those third parties. Transactions using a Chase P3 Card are subject to the same rights and obligations as in the cardmember agreement or account agreement that governs the card.

Supporting quotations

When you use P3, you request us to provide the merchant, the applicable payment network (such as Visa), PayPal, and others (such as a payment processing entity or a token service provider) your selected Chase P3 Card information, including the full account number, and other information that’s associated with the selected Chase P3 Card, to allow your transaction to be completed and/or to facilitate your participation in customer benefit programs such as loyalty and rewards programs to the extent maintained by us or those third parties.

Transactions conducted using a Chase P3 Card are subject to the same rights and obligations as stated in the applicable cardmember agreement or account agreement that governs the Chase P3 Card.

Qualifications & exceptions

• The shared information includes the full account number.
• The purposes are completing the transaction and participation in loyalty and rewards programs.

Not stated here

• The cardmember agreement or account agreement is not part of this document.

Sharing & Disclosure · Company practice

P3 privacy: Chase may share your name, full card number, expiry, contact and address details to complete purchases

Chase's online privacy policy and, where appropriate, its U.S. consumer privacy notice, as amended from time to time and available at chase.com, apply to your use of P3 and your Chase P3 Card. You agree Chase may collect, use and share your personal information under them and to provide the services you requested, including adding your card and maintaining P3. Sharing may include giving a merchant, the payment network (such as Visa), a Third Party Wallet provider, PayPal and others, such as a payment processor or token service provider, your name, full account number, card expiration date, email address, phone number, billing address and shipping address as needed to complete a purchase using P3 or to facilitate loyalty and rewards participation. Chase can also share information to make information available to you about your card transactions and to improve its ability to offer these services. Once Chase shares your information with a merchant, wallet provider, PayPal or another third party, you agree that party, not Chase, is responsible for its security and use and that your data is subject to its privacy policies. Information you give directly to the payment network or other third parties is governed by that party's privacy policy and not Chase's.

Supporting quotations

9. Privacy

Our online privacy policy and, where appropriate, our U.S. consumer privacy notice, as amended from time to time (available online at chase.com), applies to your use of P3 and your Chase P3 Card.

You agree that we may collect, use and share your personal information in accordance with each of the online privacy policy and the U.S. consumer privacy notice, and to provide the services you have requested, including to add or include your Chase P3 Card and to maintain P3.

Our sharing of your information may include providing a merchant, the applicable payment network (such as Visa), a Third Party Wallet provider, PayPal, and others (such as a payment processing entity or a token service provider) your name, full account number, card expiration date, email address, phone number, billing address, and shipping address as required to complete a purchase using P3, and/or to facilitate customer participation in customer benefit programs such as loyalty and rewards programs to the extent maintained by those third parties.

We can also share your information in order to make information available to you about your Chase P3 Card transactions, and to improve our ability to offer these services.

Once we share your information with a merchant, Third Party Wallet provider, PayPal, or such other third party, you agree that the merchant or such other third party, and not J.P. Morgan Chase, is responsible for the security and use of your information, and that your data will be subject to their privacy policies. You acknowledge that the use and disclosure of any personal information provided by you directly to the payment network (such as Visa) or other third parties will be governed by such party’s privacy policy and not our online privacy policy or privacy notice.

Qualifications & exceptions

• The shared data includes your full account number and card expiration date.
• After sharing, the merchant or other third party, not Chase, is responsible for security and use of the information.

Not stated here

• The online privacy policy and U.S. consumer privacy notice are separate documents that are not supplied here, so their contents cannot be described from this agreement.
• The privacy policies of merchants, payment networks, wallet providers and PayPal are not supplied.

Sharing & Disclosure · Company practice

Your personal and card details go to Billshark and then to Merchants to cancel a subscription

To request a cancellation you fill out a form in your Chase account with subscription information, including personal information associated with the subscription, which Chase securely provides to its Service Provider. The information requested varies by Merchant and may include name, address, email address, phone number and subscription account number. You may also be asked for the CVV and/or CVC code of the credit card you have on file with the Merchant, or other information the Service requires. The Service Provider shares some or all of the information you provide with Merchants to perform the Service.

Supporting quotations

a. Service Description

You will be asked to self-populate a form provided in your account on Chase Online (www.chase.com) or the Chase Mobile app (Chase Mobile®) with requested subscription information including your personal information associated with the subscription, which we will then securely provide to our Service Provider to use in connection with the Service.

The personal information requested may vary depending on the Merchant, and may include one or more of the following: name, address, email address, phone number, and subscription account number. You may also be asked to provide CVV and/or CVC code information for the credit card you have saved on file with the Merchant

Our Service Provider will share some or all of the information that you provide with Merchants for purposes of performing the Service.

Qualifications & exceptions

• The information requested varies by Merchant and may include CVV or CVC card codes.
• The Service Provider shares some or all of what you provide with Merchants.

Not stated here

• How the Service Provider and Merchants handle and keep the information is not described in this document.

Sharing & Disclosure · Company practice

Chase's privacy policy applies, and Chase may disclose account information for stated reasons

The Chase Online Privacy Policy and, where appropriate, the U.S. Consumer Privacy Notice apply to your use of the Service, and can be viewed through the Privacy & Security link, then Privacy, on www.chase.com. Chase may disclose information about your account to third parties as necessary to offer the Service, to investigate a claim related to your account or use of the Service, to comply with government agency or court orders, in accordance with your written permission, and as otherwise permitted by its privacy notice.

Supporting quotations

4. Privacy

The Chase Online Privacy Policy and, where appropriate, our U.S. Consumer Privacy Notice, apply to your use of the Service.

We may disclose information to third parties about your account as necessary in connection with offering the Service, in connection with the investigation of any claim related to your account or use of the Service, to comply with government agency or court orders, in accordance with your written permission, and as otherwise permitted by the terms of our privacy notice.

Qualifications & exceptions

• Disclosure is for the listed purposes and as otherwise permitted by the privacy notice.

Not stated here

• The Chase Online Privacy Policy and U.S. Consumer Privacy Notice are separate documents that are not supplied here, so their contents cannot be described.

Sharing & Disclosure · Company practice

Wallets can move money and pay in stores, online and at ATMs; Chase can share data, block or cap cards

When you add a Chase Card to a Wallet, the Wallet may let you use the card to enable transfers of money between you and others enrolled with the Wallet Provider or a partner, to complete transactions where the Wallet is accepted, including participating merchants' physical locations, e-commerce locations and ATMs, and to use other services described in the Wallet Provider's agreement. At your direction Chase may share information about your Chase Card transactions with a Wallet Provider to enable some Wallet-related services. A Wallet may not be accepted everywhere your card is. Chase reserves the right to terminate its participation in a Wallet or with a Wallet Provider at any time, to designate a maximum number of Chase Cards that may be added to a Wallet, and to block a card in a Wallet from certain transactions or purchases at any time.

Supporting quotations

When you add a Chase Card to a Wallet, the Wallet may allow you to: (a) use the Chase Card to (i) enable transfers of money between you and others who are enrolled with the Wallet Provider or a partner of such Wallet Provider, and/or (ii) enter into transactions where the Wallet is accepted, including the ability to use the Chase Card to complete transactions at participating merchants' physical locations, e- commerce locations, and at ATMs; and (b) use other services that are described in the Wallet Provider's agreement or that they may offer from time to time.

At your direction, Chase may share information about your Chase Card transactions with a Wallet Provider to enable some Wallet-related services.

We reserve the right to terminate our participation in a Wallet or with a Wallet Provider at any time and the right to designate a maximum number of Chase Cards that may be added to a Wallet. We may block a Chase Card in a Wallet from certain transactions or purchases at any time.

Qualifications & exceptions

• Sharing transaction information with a Wallet Provider is at your direction.
• Chase can end its participation, limit the number of cards and block transactions at any time.

Not stated here

• The Wallet Provider's own agreement is not part of this document.

Sharing & Disclosure · Company practice

To pre-load your card into a wallet Chase sends card, account and device data, possibly SSN, phone, email

If your Chase Card is eligible for Paze or another Wallet, Chase securely sends your Chase Card information and other information about your account and device to the Wallet Provider to prepopulate your eligible cards into the Wallet. The other information securely provided may include your social security number, phone number and email address.

Supporting quotations

If your Chase Card is eligible for PazeSM or another Wallet, Chase will securely send your Chase Card information and other information about your account and device to the Wallet Provider to prepopulate your eligible Chase Cards into the Wallet for your use. Other information securely provided to the Wallet Provider may include your social security number, phone number, and email address.

Qualifications & exceptions

• The other information securely provided may include a social security number, phone number and email address.
• Applies when the card is eligible for Paze or another Wallet.

Not stated here

• The Wallet Provider's use of the information is governed by its own terms and policies, which are not part of this document.

Sharing & Disclosure · Company practice

Wallet privacy: you may share your card number, and Chase shares other data to provide and improve services

Chase's Online Privacy Policy and, where appropriate, its U.S. Consumer Privacy Notice, as amended from time to time, apply to your use of your Chase Card in the Wallet. You may be given the ability to share your Chase Card number with Wallet Providers or a payment network, and you agree that Chase may share certain of your other information with the Wallet Providers, merchants, a payment network and others to provide the services you requested, to make information available to you about your card transactions and to improve its ability to offer these services. This information helps Chase add your card to the Wallet and maintain it.

Supporting quotations

11. Privacy

Our Online Privacy Policy and, where appropriate, our U.S. Consumer Privacy Notice (available online at: https://www.chase.com/), as amended from time to time, applies to your use of your Chase Card in the Wallet.

You may be provided with the ability to share your Chase Card number with Wallet Providers or a payment network, and you agree that we may share certain of your other information with the Wallet Providers, merchants, a payment network, and others in order to provide the services you have requested, to make information available to you about your Chase Card transactions, and to improve our ability to offer these services. This information helps us to add your Chase Card to the Wallet and to maintain the Wallet.

Qualifications & exceptions

• Sharing your card number with Wallet Providers or a payment network is something you may be given the ability to do.
• Chase shares certain other information with Wallet Providers, merchants, a payment network and others.

Not stated here

• The Online Privacy Policy and U.S. Consumer Privacy Notice are separate documents that are not supplied here, so what information is shared cannot be fully described.

Sharing & Disclosure · Company practice

Automatically provisioned wallet cards send your card number, SSN, phones and emails to the Wallet Provider

For customers whose cards are automatically provisioned into a Wallet such as Paze, information is securely transmitted to the Wallet Provider for wallet creation. The information includes, but is not limited to, the Chase Card number, Social Security Number, and phone numbers and email addresses on file with Chase. Chase does not control the privacy and security of information held by the Wallet Provider, which is governed by the privacy policy the Wallet Provider gives you, and you should consult it for how your data is used.

Supporting quotations

Customers whose cards are automatically provisioned into a Wallet such as PazeSM will have their information securely transmitted to the Wallet Provider for wallet creation. This information includes, but is not limited to, the Chase Card number, Social Security Number, phone numbers and email addresses on file with Chase.

We do not control the privacy and security of your information that may be held by the Wallet Provider and that is governed by the privacy policy given to you by the Wallet Provider. Consult your Wallet Provider’s privacy policy for details on how they use your data.

Qualifications & exceptions

• The information includes, but is not limited to, the card number, Social Security Number, phone numbers and email addresses.
• Chase does not control the Wallet Provider's privacy and security of your information.

Not stated here

• The Wallet Provider's privacy policy is not part of this document.

Sharing & Disclosure · Company practice

Chase may disclose Zelle account and payment information to third parties as needed for transactions and the Service

Chase may disclose information to third parties about your account or the funds you send or receive as necessary to complete transactions and as necessary in connection with offering the Service. The list of reasons continues in the next section of the document.

Supporting quotations

Disclosure of Account Information to Third Parties

We may disclose information to third parties about your account or the funds you send or receive:

as necessary to complete transactions;

as necessary in connection with offering the Service;

Qualifications & exceptions

• The list of disclosure reasons continues in the next section.

Not stated here

• The remaining disclosure reasons are in the next section.

Sharing & Disclosure · Company practice

More Zelle disclosure reasons: claim investigations, court orders, your permission and the privacy notice

Chase may also disclose information to third parties about your account or the funds you send or receive in connection with the investigation of any claim related to your account or the funds, to comply with government agency or court orders, in accordance with your written permission, and as otherwise permitted by its privacy notice. The Chase privacy notice, which includes details about its information sharing practices and your right to opt out of certain information sharing, was provided when you opened your Chase Account and can be viewed through the Security link, then Privacy, on its website pages. The Addendum points to Zelle's Privacy Policy for how Zelle treats your data.

Supporting quotations

in connection with the investigation of any claim related to your account or the funds you send or receive;

to comply with government agency or court orders;

in accordance with your written permission; and

as otherwise permitted by the terms of our privacy notice.

Our Chase privacy notice, which includes details about our information sharing practices and your right to opt-out of certain information sharing, was provided to you when you opened your Chase Account with us. It can be viewed by clicking on the "Security" link, then "Privacy" on any of our website pages. See Zelle’s Privacy Policy [https://www.zellepay.com/privacy-policy] for how it treats your data.

Qualifications & exceptions

• The notice describes a right to opt out of certain information sharing.

Not stated here

• Chase's privacy notice and Zelle's Privacy Policy are separate documents that are not supplied here, so they cannot be described.