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Public comparisons

Policy risk rankings

Every published review starts at 100. Cited concerns deduct points; cited protections add a modest bonus. Higher scores rank first. Informational only. Not legal advice.

Score update. Cited protections now add +3 each (up to +12), so some ranks may look different than before. Why we changed it

Browse libraryRecent changesCompare two policies

#1 · Ally Financial Inc.

Banking

Privacy policy

Ally

Score98.0
Severity0 high1 med2 low

Risk flags

No major risk flags

Data use

2 findings

1 med1 low

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 low

Protections

3 protections

#2 · Citigroup Inc.

Banking

Terms of service

Citi

Score97.0
Severity0 high0 med1 low

Risk flags

No major risk flags

Data use

1 finding

1 low

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#3 · United Services Automobile Association

Banking

Privacy policy

USAA

Score97.0
Severity0 high0 med1 low

Risk flags

No major risk flags

Data use

No data-use concerns flagged

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 low

Protections

None cited

#4 · Regions Financial Corporation

Banking

Privacy policy

Regions Bank

Score95.0
Severity0 high1 med0 low

Risk flags

No major risk flags

Data use

1 finding

1 med

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#5 · Regions Financial Corporation

Banking

Terms of service

Regions Bank

Score95.0
Severity0 high1 med0 low

Risk flags

No major risk flags

Data use

1 finding

1 med

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#6 · United Services Automobile Association

Banking

Terms of service

USAA

Score95.0
Severity0 high1 med0 low

Risk flags

No major risk flags

Data use

No data-use concerns flagged

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 med

Protections

None cited

#7 · Capital One

Banking

Terms of service

Score95.0
Severity0 high1 med0 low

Risk flags

No major risk flags

Data use

No data-use concerns flagged

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 med

Protections

None cited

#8 · Bank of America

Banking

Privacy policy

Score94.0
Severity1 high1 med0 low

Risk flags

1 finding

1 high

Data use

1 finding

1 med

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

3 protections

#9 · Google

Banking

Privacy policy

Google Pay

Score93.0
Severity0 high2 med1 low

Risk flags

No major risk flags

Data use

3 findings

2 med1 low

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

2 protections

#10 · Discover Financial Services

Banking

Privacy policy

Discover Bank

Score90.0
Severity1 high0 med0 low

Risk flags

1 finding

1 high

Data use

No data-use concerns flagged

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#11 · Ally Financial Inc.

Banking

Terms of service

Ally

Score85.0
Severity1 high1 med0 low

Risk flags

1 finding

1 high

Data use

1 finding

1 med

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#12 · Wells Fargo

Banking

Terms of service

Score83.0
Severity0 high1 med4 low

Risk flags

1 finding

1 med

Data use

2 findings

2 low

Cancellation

No billing surprises spotted

Gotchas

2 findings

2 low

Protections

None cited

#13 · Venmo

Banking

Privacy policy

Score82.0
Severity0 high6 med0 low

Risk flags

2 findings

2 med

Data use

4 findings

4 med

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

4 protections

#14 · Citigroup Inc.

Banking

Privacy policy

Citi

Score78.0
Severity1 high3 med1 low

Risk flags

3 findings

1 high2 med

Data use

1 finding

1 med

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 low

Protections

2 protections

#15 · Chase

Banking

Privacy policy

Score73.0
Severity0 high3 med4 low

Risk flags

3 findings

3 med

Data use

1 finding

1 low

Cancellation

No billing surprises spotted

Gotchas

3 findings

3 low

Protections

None cited

#16 · Revolut Ltd

Banking

Privacy policy

Revolut

Score70.0
Severity3 high0 med0 low

Risk flags

3 findings

3 high

Data use

No data-use concerns flagged

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#17 · PayPal

Banking

Privacy policy

Score59.0
Severity2 high6 med0 low

Risk flags

2 findings

2 high

Data use

5 findings

5 med

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 med

Protections

3 protections

#18 · Chase

Banking

Terms of service

Score55.0
Severity3 high3 med0 low

Risk flags

2 findings

2 high

Data use

2 findings

2 med

Cancellation

1 finding

1 high

Gotchas

1 finding

1 med

Protections

None cited

#19 · Wise US Inc.

Banking

Terms of service

Wise

Score53.0
Severity3 high4 med2 low

Risk flags

3 findings

3 high

Data use

1 finding

1 med

Cancellation

2 findings

1 med1 low

Gotchas

3 findings

2 med1 low

Protections

3 protections

#20 · Current Holdings, Inc.

Banking

Privacy policy

Current

Score52.0
Severity3 high3 med2 low

Risk flags

3 findings

3 high

Data use

4 findings

3 med1 low

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 low

Protections

1 protection

#21 · Block

Banking

Privacy policy

Square

Score48.0
Severity1 high9 med0 low

Risk flags

2 findings

1 high1 med

Data use

4 findings

4 med

Cancellation

No billing surprises spotted

Gotchas

4 findings

4 med

Protections

1 protection

#22 · Discover Financial Services

Banking

Terms of service

Discover Bank

Score45.0
Severity4 high3 med0 low

Risk flags

4 findings

4 high

Data use

3 findings

3 med

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#23 · Current Holdings, Inc.

Banking

Terms of service

Current

Score41.0
Severity3 high7 med1 low

Risk flags

4 findings

3 high1 med

Data use

3 findings

3 med

Cancellation

2 findings

2 med

Gotchas

2 findings

1 med1 low

Protections

3 protections

#24 · Bank of America

Banking

Terms of service

Score40.0
Severity5 high2 med0 low

Risk flags

4 findings

4 high

Data use

1 finding

1 med

Cancellation

2 findings

1 high1 med

Gotchas

No hidden gotchas

Protections

None cited

#25 · PayPal

Banking

Terms of service

Score36.0
Severity4 high3 med3 low

Risk flags

4 findings

4 high

Data use

No data-use concerns flagged

Cancellation

2 findings

2 low

Gotchas

4 findings

3 med1 low

Protections

None cited

#26 · Venmo

Banking

Terms of service

Score34.0
Severity5 high5 med0 low

Risk flags

9 findings

5 high4 med

Data use

No data-use concerns flagged

Cancellation

1 finding

1 med

Gotchas

No hidden gotchas

Protections

3 protections

#27 · Revolut Ltd

Banking

Terms of service

Revolut

Score34.0
Severity5 high5 med0 low

Risk flags

5 findings

5 high

Data use

No data-use concerns flagged

Cancellation

2 findings

2 med

Gotchas

3 findings

3 med

Protections

3 protections

#28 · Block

Banking

Terms of service

Square

Score25.0
Severity5 high5 med1 low

Risk flags

5 findings

5 high

Data use

4 findings

3 med1 low

Cancellation

1 finding

1 med

Gotchas

1 finding

1 med

Protections

1 protection

#29 · Google

Banking

Terms of service

Google Pay

Score19.0
Severity6 high6 med0 low

Risk flags

6 findings

6 high

Data use

3 findings

3 med

Cancellation

1 finding

1 med

Gotchas

2 findings

2 med

Protections

3 protections