Changed
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18
18 changes need your attentionChanges that may affect your rights or add new obligations.
6
6 changes in your favorImproved clarity, better protections, or expanded rights.
5
5 minor changesFormatting, typos, or clarifications with no material impact.
Free preview. Showing 1 of 29 redlines — the most consequential change. The other 28 are available with a free email signup.
Your transaction history now feeds credit and fraud scores
We create new data about you by analyzing the information we already have. This includes: risk scores (such as credit or fraud risk scores) based on your transaction history and application details
BadChanges that may affect your rights or add new obligations.Transaction history and application details now feed new credit and fraud risk scores.
28 MORE REDLINES IN THIS UPDATE
§ 4.3 Subprocessor disclosure window
Notification window for new subprocessors reduced from 30 days to 7 days, limiting customer review time before changes take effect.
§ 8.1 Output ownership and licensing
Model output ownership clarified: vendor retains a perpetual license to use customer prompts and outputs for safety research.
