Apple has released the new iOS 13.4, along with new versions for all of its operating systems. One of the major changes is the introduction of new privacy policies for Apple Card users.
Access more data in case of rejection
It looks like the company wants to share more anonymous data with Goldman Sachs, its financial partner on Apple Card. The company is making this change to improve the distribution of credit to new customers.
The technology giant based in Cupertino says more data sharing could expands the range of users who are able to request an Apple Card.
In iOS 13.4 a new plugin was implemented. If one's application is rejected, a popup window appears asks for more personal data to be shared with Goldman Sachs, for example shopping history on Apple products. According to TechCrunch, the user is offered the option to reject data sharing. The full text is as follows:
You may be eligible for certain Apple Card programs provided by Goldman Sachs based on the information provided as part of your application. Apple may know whether you receive the invitation to participate and whether you accept or decline the invitation, and may share information with Goldman Sachs to effectuate the program. Apple will not know additional details about your participation in the program.
Apple may use information about your account with Apple, such as the fact that you have an Apple Card, for internal research and analytics purposes, such as financial forecasting. Apple may also use information about your relationship with Apple, such as what Apple products you purchased, how long you have had your Apple ID, and how often you interact with Apple to improve the Apple Card by helping to identify Apple metrics that may help. Goldman Sachs in improving credit decision making. No personally identifiable information about your relationship with Apple will be shared with Goldman Sachs to identify relevant Apple metrics. You can opt out of this or your Apple relationship information by emailing our privacy team at email@example.com with the subject line “Apple Relationship Data and Apple Card.”
Applicants and cardholders may choose to share the identified metrics with Goldman Sachs for re-evaluation of their credit offer or to increase their credit line. Apple may share information about your relationship with Apple with our service providers who are required to handle the information consistent with this notice and Apple instructions are required to use reasonable security measures to protect any personal information received, and must delete the personal information as as soon as they have completed the services.
In addition to the above changes, Apple added more details to the transactions, so be it the charges are clearer made. Finally, these changes are already implemented and available in iOS 13.4.