OpenAI (ChatGPT) vs PayPal
Based on our analysis, PayPal is the more privacy-respecting choice overall.
BACK →| Category | OpenAI (ChatGPT) | PayPal |
|---|---|---|
| Overall | D · 42/100 | C- · 44/100 |
| What they collect | Concern (38) | Concern (38) |
| Who they share it with | Mixed (48) | Concern (35) |
| What you can do | Concern (42) | Mixed (52) |
| What they promise | Mixed (52) | Concern (48) |
OpenAI collects account data, all prompts and responses, file uploads, voice inputs, and a separate Memory that persists even when you delete chats. Training on your conversations is on by default; you must opt out. A federal court order (May 2025) requires OpenAI to preserve and segregate ChatGPT conversation data — including deleted conversations. API and Enterprise: training is off; your data is never used for training. OpenAI states they don't sell personal data or use it for targeted advertising.
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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