"Clover's privacy practices present a significant risk due to extensive data collection, including sensitive information, and sharing with third-party advertisers. The use of tracking technologies further amplifies privacy concerns."
Clover Privacy Concerns & Scorecard
Clover collects a variety of personal data including names, email addresses, phone numbers, and addresses, as well as sensitive data such as location and financial information.
Clover employs third-party tracking technologies, including cookies and pixels, which can lead to extensive user tracking across different sites.
Clover shares data with service providers and advertising networks, which increases the risk of user data being used for targeted advertising.
Clover retains user data for an unspecified duration, which raises concerns about indefinite data storage.
Clover does not provide clear options for users to delete their data or export it, limiting user control over their personal information.
No recommended actions at this time.
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Terms of Service Updates
Default consent approach shifted from opt-in to opt-out
The new version changes the opening language from 'You can change your cookie preferences' (opt-in model) to 'By using this site, you agree to the use of these technologies' (opt-out/consent by default). The button changed from 'I understand' to 'Accept All', making cookie acceptance the default action rather than requiring explicit opt-in for non-essential cookies.
Effective: October 6, 2026
Expanded cookie tracking technologies and partner involvement
The new version explicitly mentions 'We and our partners use cookies, pixels and other technologies' whereas the previous version only referenced cookies. This broader language encompasses additional tracking mechanisms (pixels, similar technologies) and explicitly emphasizes third-party partner involvement in data collection.
Effective: October 6, 2026
Targeting cookies now include 'us and our advertising partners'
The targeting cookies section changed from 'may be set through our site by our advertising partners' to 'may be set through our site by us and our advertising partners.' This expands liability and indicates Clover directly participates in setting targeting cookies, not just third parties.
Effective: October 6, 2026
Why We Analyzed Clover
TrueTerms automatically audits privacy policies and data practices using advanced machine learning to keep you informed and protected. This scorecard is based on the latest available public terms of service and privacy policies as of 2026.