Data Report Card · Venmo
Venmo Data Report Card
P2P payments · PayPal-owned
Data
Practices
Practices
2Access1Portability1Friction1Deletion2Sells1Trains AI
=
C
8/12
Agent
Readiness
Readiness
2Access
1Portability
0API access
=
C
3/6
Agent Readiness is a derived signal — a synthesis of two existing cells (Access, Portability) plus one sourced factor (API access), not an independently measured grade. API access scale: Best (2) consumer-grantable API · Moderate (1) partial / encumbered · Restrictive (0) manual export only. What is Agent Readiness?
Reviewed Jun 2026 · policies are checked weekly for changes · stated — every cell is read from Venmo's published policy; none has been tested (run by us) yet.
2Accessstated
You can request a copy of your data self-serve from within your account (
Venmo Help Center — How can I access a copy of my personal data on file? · accessed Jun 2026 ↗Settings → Privacy → Your Privacy Rights → Request your data), selecting which information to include; closed accounts can request via a separate ID-verified form.1Portabilitystated
The export flow lets you "choose your file type," but the help documentation does not enumerate which formats are offered (e.g. JSON, CSV) — a single chosen export rather than a confirmed set of multiple structured machine-readable formats.
Venmo Help Center — How can I access a copy of my personal data on file? · accessed Jun 2026 ↗1Frictionstated
Delivery "usually takes 1-2 calendar days … but it may take up to 30 days," sent as an encrypted email with a separate SMS password — not an instant download.
Venmo Help Center — How can I access a copy of my personal data on file? · accessed Jun 2026 ↗1Deletionstated
You can request deletion through account settings or support, but Venmo retains Personal Information "for the duration of the relationship plus a period of 10 years," with longer retention for Anti-Money Laundering compliance and litigation as legally required.
Venmo — US Privacy Statement (retention) · accessed Jun 2026 ↗2Sells / sharesstated
Venmo states: "We do not sell or share your Personal Information, including any Sensitive Personal Information," applying to all users including those under 16, and including the California-law definition of "sharing" for cross-context behavioral advertising.
Venmo — US Privacy Statement (selling and sharing) · accessed Jun 2026 ↗1Trains AIstated
Venmo's US Privacy Statement contains no language either prohibiting use of personal data to train AI or machine-learning models or offering a training opt-out — the AI-training question is unaddressed.
Venmo — US Privacy Statement · accessed Jun 2026 ↗0API access — feeds Agent Readiness, not the /12stated
Venmo offers no consumer-grantable API for an agent to fetch your own transaction data; the developer-facing products are merchant payment/checkout APIs, not self-data access. Getting your own data is the manual request-and-download flow, returned as an encrypted emailed report.
Venmo Help Center — How can I access a copy of my personal data on file? · accessed Jun 2026 ↗All cells are "stated" (sourced to Venmo's current US Privacy Statement and help-center docs; not yet live-tested). Provenance: Venmo is owned by PayPal. Its transaction feed was public-by-default for years; in 2018 the FTC charged Venmo with misrepresenting privacy controls and the security of transactions (settled, with biennial third-party assessments for ten years), and Venmo removed its global public feed in 2021. Payment activity remains visible to your network under default friend-level settings unless changed.
Events
Breaches, policy changes, and export-format changes we’ve recorded at Venmo — other parties’ actions, alongside the enforcement record above. An event never changes a grade by itself. All events →
No events on record for Venmo.
Grade history
Every change to this company’s grade since it was first published, and why. All grade changes →
No changes since this grade was first published in Jun 2026.
How to request your data from Venmo
- Go to https://account.venmo.com/ — Venmo's data-request entry point.
- Settings → Privacy → Your Privacy Rights → Request your data.
- Expected wait: usually 1-2 calendar days; may take up to 30 days; delivered via encrypted email with SMS password — Venmo's stated turnaround (we haven't independently timed a request yet).
- No self-serve option, or want a formal request? Contact Venmo — Privacy / Data Requests: https://help.venmo.com/hc/en-us/articles/210413717.
These steps reflect Venmo's documented process as of Jun 2026. The wait time is the company's stated figure, not yet independently measured by us.