Apple vs PayPal
Based on our analysis, Apple is the more privacy-respecting choice overall.
BACK →| Category | Apple | PayPal |
|---|---|---|
| Overall | B+ · 78/100 | C- · 44/100 |
| What they collect | Mixed (72) | Concern (38) |
| Who they share it with | Positive (82) | Concern (35) |
| What you can do | Positive (80) | Mixed (52) |
| What they promise | Positive (82) | Concern (48) |
Apple collects significantly less data than other big tech companies and explicitly commits — using both Nevada and California legal definitions — to never selling or sharing your data for advertising. Their own ad platform doesn't use data brokers or cross-app tracking. Private personal data isn't used to train Apple's AI models. The main caveats are health, fitness, and financial data collection, government ID in some cases, and personalised ads that exist but are easy to turn off.
View full analysis →PayPal collects an unusually broad set of financial, behavioural, and biometric data — then retains it for ten years after you close your account. Automated systems can freeze or terminate your account with limited recourse, your purchase history is shared with merchants for personalised shopping by default, and your data trains PayPal's AI models. Some of this is legally required for a financial institution, but much is not.
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