Garmin vs PayPal
Based on our analysis, Garmin is the more privacy-respecting choice overall.
BACK →| Category | Garmin | PayPal |
|---|---|---|
| Overall | B · 71/100 | C- · 44/100 |
| What they collect | Mixed (65) | Concern (38) |
| Who they share it with | Mixed (67) | Concern (35) |
| What you can do | Positive (76) | Mixed (52) |
| What they promise | Mixed (63) | Concern (48) |
Garmin collects a lot of health and location data to run the service, doesn't sell it or share it with advertisers, and gives you good control over it — but the policy is dense, retention is vague, and aggregate data sharing with third parties isn't fully explained.
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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