Apple Card & Privacy

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Apple Card & Privacy

Your application information will be shared with Apple, Goldman Sachs, and an identity verification service for application processing, identity verification, and fraud prevention.

Apple Card is designed to protect your privacy and security so that you can focus on your financial health.

• Information you provide in your Apple Card application will be used by an Apple wholly owned subsidiary and Goldman Sachs and will be shared with third-party identity verification service providers to verify your identity and prevent fraud.
• Goldman Sachs, Apple Card’s issuing bank, and Mastercard, Apple Card’s global payment network, receive your Apple Card transaction information, but do not share or sell your transaction information to third parties for marketing or advertising.
• Apple Card features that use your transaction history, like spending summaries, are created on-device. Apple does not know your transaction history. Applying for Apple Card

When you apply for Apple Card, your name, birth date, contact information, and device phone number are used by Apple and Goldman Sachs Bank USA, Salt Lake City Branch (“Goldman Sachs”) to verify your identity and to help prevent fraud. Goldman Sachs also uses this information to set up your account and for required due diligence. Goldman Sachs uses a third-party identity verification service provider to verify account owners’ partial or full Social Security number and country of citizenship; Apple does not read or store this information.

If more information is needed to verify your identity, you will be asked to scan your driver’s license or state-issued photo ID. The image of your photo ID is securely transferred to a third-party identity verification service provider to verify your identity and to prevent fraud. Apple does not read or store the image of your photo ID, but receives the name and address from your photo ID for identity verification to prevent Apple Card application fraud.

You will also be asked to provide an estimate of your annual income to Goldman Sachs to help them make a decision about whether to grant you credit and the amount of credit to grant. Apple does not read or store your annual income.

Your application will not be submitted to Goldman Sachs for a credit decision until you accept the Apple Card terms and conditions. If Goldman Sachs needs additional information to process your application, information about your application will be stored on your device for up to 30 days. Apple collects where you may have paused in the application process and Apple or Goldman Sachs may contact you to remind you that you have an open application and to offer assistance.

Information about your coarse location at the time you submit your application is used by Apple and Goldman Sachs to prevent fraud if you have enabled Location Services. Just as when you add any payment method to Apple Pay, when you apply for or provision Apple Card, information about your device, such as whether certain device settings are enabled, and device use patterns (for example, percent of time device is in motion, or approximate number of calls per week) may be sent to Apple for identity verification and to prevent fraud. Apple may also receive information from your carrier about your application phone number to prevent fraud.

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.