· finance

Chase vs Bank of America

Neither policy says whether your data trains AI models. Both are UNCLEAR, and the search terms tried are on each entry.

Grades read the plan most people are on. Each company's full entry has every plan, every clause and the archived copy it was read from.

Chase

Chase's online privacy policy never mentions AI, machine learning or model training. Its parent's institutional notice doesn't either.

Verdict

By default: The policy does not say
The way out: Nothing to opt out of on the record
Last checked: 7 Oct 2026

Read the full verdict →

Bank of America

Bank of America's privacy notices never mention AI, machine learning or model training. Its Erica page says Erica doesn't use generative AI, not what trains it.

Verdict

By default: The policy does not say
The way out: Nothing to opt out of on the record
Last checked: 7 Oct 2026

Read the full verdict →

Chase: every plan

Chase · what each plan can refuse · checked 7 Oct 2026

1 PLAN

Plan

Exposure

Trains

Opt-out path

Retention

De-identified

Human review

All customers

UNCLEAR

Not established, see below

Not stated

—

Not established

EVERY CELL ABOVE IS SOURCED FROM A QUOTED CLAUSE OR A DOCUMENTED SEARCH · SEE THE EVIDENCE ABOVE

EXPOSURE IS SCORED 0–100 ON ONE AXIS, HOW HARD IT IS TO STOP THIS PLAN TRAINING ON YOU. THE GRADE IS THE BAND IT FALLS IN: A 0–10 · B 11–25 · C 26–45 · D 46–60 · E 61–80 · F 81–100. HOW THE SCORE IS SET

All customersUNCLEAR

OPT-OUT: Not established
RETENTION: Not stated
EXPOSURE: —
DE-IDENTIFIED: —
HUMAN REVIEW: Not established

Bank of America: every plan

Bank of America · what each plan can refuse · checked 7 Oct 2026