Based on our analysis, CoinJar is the more privacy-respecting choice overall.
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PayPal
C- · 44/100CoinJar
C+ · 62/100What they collect
PayPal
Concern (38)
CoinJar
Mixed (60)
Who they share it with
PayPal
Concern (35)
CoinJar
Mixed (55)
What you can do
PayPal
Mixed (52)
CoinJar
Mixed (60)
What they promise
PayPal
Concern (48)
CoinJar
Mixed (63)
| Category | PayPal | CoinJar |
|---|---|---|
| Overall | C- · 44/100 | C+ · 62/100 |
| What they collect | Concern (38) | Mixed (60) |
| Who they share it with | Concern (35) | Mixed (55) |
| What you can do | Mixed (52) | Mixed (60) |
| What they promise | Concern (48) | Mixed (63) |
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.
View full analysis →CoinJar collects a lot of personal and financial data, keeps it for 7 years after you close your account, and can share it with a wide range of third parties — but they do use encryption and give you some control over your data.
View full analysis →