• 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.
• You may have the opportunity to share information with Goldman Sachs about your historical business relationship with Apple as part of your application. And, to control whether Apple may use information about your relationship with Apple to improve Apple Card.
• 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 may have the opportunity to share additional information with Goldman Sachs about certain of your transactions and experiences with Apple as part of your application. If you ask Apple to share this information Goldman Sachs will use this information along with information obtained from credit bureaus and other sources to reevaluate your application; Goldman Sachs will not use this information for purposes other than assessing and granting credit for Apple Card.

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.

Provisioning Apple Card

Information may also be provided by Apple to Goldman Sachs or Mastercard to enable and set up your Apple Card on Apple Pay, and to prevent fraud. The information shared is no different from when you provision any card with Apple Pay, and may include:

• The name and billing address associated with your Apple Account
• General information about your Apple Account, iTunes, and App Store account activity (for example, whether you have a long history of transactions within iTunes)
• Information about your device and, if using Apple Watch, the paired iOS device (for example, a device identifier, phone number, and the name and model of your device)
• Coarse location at the time you add your card (if you have Location Services enabled)
• Account or device history of adding payment cards
• Aggregated stats relating to the information from payment cards you’ve added or attempted to add to Apple Pay

To help you set up cards that you have, or have recently had, on other devices, Apple stores a card reference with your Apple Account that can be used with the card issuer or payment network to re-add the card after entering the security code. This Apple Pay feature is available with Apple Card.

Paying with Apple Card

When you begin a payment within an app, on the web, or within Apple Messages for Business using Apple Card, to enable tax and shipping cost calculation, your zip code, postal code, or other equivalent information is provided to the app, website, or merchant. After you authorize the payment, other information requested by the merchant, such as a device-specific account number, your shipping address, or email address, is also provided. The merchant may separately collect and use information about your transaction as described in their privacy policies, including information about your location at the time of transaction. To learn more about how to control access and use of your device location, visit Location Services & Privacy at card.apple.com with your Apple Account. To make a payment, you may provide information about the bank account from which a payment will be made. This information is used only to process your payment. Apple will collect information about actions you take on the portal, such as whether you schedule or made a payment, and use that information to fulfill your request or for troubleshooting and similar. Apple may share certain information collected with Goldman Sachs where necessary to fulfill your request. Information about your use of the portal that cannot be linked to you may be used by Apple to improve Apple Card.

More Information

Apple may use your Apple Card-related information as required to comply with law or prevent fraud, even after you have closed your account. Apple may also 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 data received, and must delete the personal data as soon as they have completed the services unless retention is required by law.

Apple may share your information with Goldman Sachs as required by law and for fraud prevention. Apple may also receive Apple Card-related information about you from Goldman Sachs for fraud prevention purposes. You can learn more about how Goldman Sachs protects your personal information by reviewing their privacy policy, available at www.apple.com/privacy

Published Date: November 6, 2024