Visa Global Privacy Notice
Effective Date: 28 May 2018
Visa is committed to protecting the privacy and security of your Personal Information. The information you share with Visa allows us to provide the best experience with our products and services. We havea dedicated Global Privacy Program that protects all the Personal Information we collect and helps ensure that Personal Information is handled properly worldwide. Please read below to learn how we collect, use and disclose Personal Information.
This Privacy Notice explains the privacy practices of Visa Inc. and those Affiliateswhose websites, platforms or services link to it. Some Visa platforms and services may have different privacy notices. Please read the posted website privacy notice on each site to understand how Visa uses your Personal Information.
In some places, this Privacy Notice is supplemented with additional information that may be required by law. Please see our Privacy Centerfor links to additional information provided to residents of certain countries.
Personal Information is any information that we can use to identify, locate or contact you. It also includes other information that may be associated with your Personal Information, such as demographic data. We may collect the following types of Personal Information:
We collect Personal Information from you and from other sources.
We may use your Personal Information to:
Please note that we may also use and disclose information about you that is not personally identifiable. For example, we may publish reports and provide products that contain non-personally identifiable statistical data, such as reports showing general payment card usage trends. These reports do not contain any Personal Information.
In some countries, Visa enhances Card Transaction Data and uses it to generate anonymized and aggregated consumer spending and marketing reports and other data products that enable companies to improve their marketing efforts. These solutions help companies identify consumers that they should target. For example, a marketing report may show that consumers in one ZIP code tend to spend more at auto parts stores than consumers in other ZIP codes. These products also help companies determine the effectiveness of their marketing campaigns.
Visa’s marketing solutions do not contain any Personal Information, but they do allow companies to enhance their own consumer files with intelligence to support targeted marketing.
If you do not want us to use your Card Transaction Data in Visa marketing solutions, click hereto learn about how you can opt out.
We disclose your Personal Information as follows:
When you visit our website, use our mobile applications, or engage with our online ads or email communications, we may collect certain information by automated means, using technologies such as cookies, pixel tags, browser analysis tools, server logs and web beacons.
In many cases, the information we collect using cookies and other tools is only used in a non-identifiable way, without any reference to Personal Information. For example, we use information we collect about all website users to optimize our websites and to understand website traffic patterns.
In some cases, we do associate the information we collect using cookies and other technology with your Personal Information. This Privacy Notice describes how we use that information when we associate it with your Personal Information.
When you visit our websites, we place cookies on your computer. Cookies are small text files that websites send to your computer or other Internet-connected device to uniquely identify your browser or to store information or settings in your browser. Cookies allow us to recognize you when you return. They also help us provide a customized experience andcan enable us to detect certain kinds of fraud.
In many cases, you can manage cookie preferences and opt-out of having cookies and other data collection technologies used by adjusting the settings on your browser. All browsers are different, so visit the “help” section of your browser to learn about cookie preferences and other privacy settings that may be available. Please note that if you choose to remove or reject cookies or clear local storage, this could affect the features, availability, and functionality of our websites.
We may use Flash Cookies (also known as Local Stored Objects) and similar technologies to personalize and enhance your online experience. A Flash cookie is a small data file placed on a computer using Adobe Flash technology.The Adobe Flash Player is an application that allows rapid development of dynamic content, such as video clips and animation.
We use Flash cookies to personalize and enhance your online experience and to deliver content for Flash players. We may also use Flash cookies for security purposes, to gather certain website metrics and to help remember settings and preferences. Flash cookies are managed through a different interface than the one provided by your web browser. To manage Flash cookies, please visit Adobe’s website at http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager.html.
If you disable Flash cookies or other similar technologies, please be aware that you may not have access to certain content and product features.
Pixel Tags and Web Beacons
Pixel tags and web beacons are tiny graphic images and small blocks of code placed on website pages, ads, or in our emails that allow us to determine whether you have performed a specific action. When you access these pages, or when you open an email, the pixel tags and web beacons let us know you have accessed the web page or opened the email. These tools allow us to measure response to our communications and improve our web pages and promotions.
Server Logs and Other Technologies
We collect many different types of information from server logs and other technologies. For example, we collect information about the device you use to access our website, your operating system type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone where your device is located. Our server logs also record the IP address ofthe device you use to connect to the Internet. An IP address is a unique identifier that devices require to identify and communicate with each other on the Internet. We may also collect information about the website you were visiting before you came to Visa and the website you visit after you leave our site. These tools help us better user experience and deliver our services.
We may use device-related information to authenticate users. For example, we may use your IP address, browser information, or other data provided by your browser or device to identify the device being used to access the Visa service. We may also use these device-related techniques for associating you with different devices that you may use to access our content, including for fraud-protection purposes and to better target advertising.
We have relationships with third party advertising companies that place advertisements on and perform tracking and reporting functions for our website and other websites. Although we do not share any Personal Information with these third party advertising companies, they may place cookies on your computer when you visit our website or other websites so that they can display targeted advertisements to you. However, this Privacy Notice does not cover the collection methods or use of the information collected by these companies.
For more information about third party advertising, please visit the Network Advertising Initiative (NAI) at www.networkadvertising.org. To opt out of being targeted by many third party advertising companies by visiting www.networkadvertising.org/consumer/opt_out.asp
On some Visa websites, you may see an AdChoices icon, which may appear on certain targeted ads. You may click on this AdChoices icon to learn more information about the collection and use of your information or to opt-out of such collection in the future. Please note that the opt-out is linked to your browser, so if you use different browsers or different devices, you will need to opt-out on each one. Even if you opt-out, you may still receive ads that are not customized for you. To learn more about the Digital Advertising Alliance Consumer Choice tool, please visit http://optout.aboutads.info.
Additional information from the third party advertising companies that we work with:
Although our websites currently do not have a mechanism to recognize the various web browser Do Not Track signals, we do offer our customers choices to manage their cookie preferences as described in the previous section.To learn more about browser tracking signals and Do Not Track please visit http://www.allaboutdnt.org/
Our websites may enable you to interact with us and others via social media platforms, such as Facebook, Twitter, Pinterest and Instagram. For example, some Visa websites and applications allow you to sign in using social media platform credentials. We may also collect information from publicly-available sources, such as social media sites, as permitted by the site’s terms of service. Please read the social media platform’s privacy statement to understand your privacy and data sharing choices.
We may display interest-based ads to you when you are using platforms such as Facebook and Google when you engage with us as described herein. These platforms allow us to personalize the ads that we display to you. We do not share any of your Personal Information with these platforms for ad-targeting, although we may convert your email address into a unique number that can be matched by the platform with its user to allow delivery of the advertising. Additionally, although we do not provide any Personal Information to these platforms, they may gain insights about individuals who respond to the ads we serve.
We offer mobile applications that in some cases allow you to access your account, interact with us online and receive other information via your smartphone. All Personal Information collected by Visa via our mobile applications that link to this Privacy Notice are handled in accordance with the terms of this Privacy Notice.
When you download our mobile applications, you may choose to allow us to obtain your precise location from your mobile device. We use this information to deliver personalized content to you and for analytics purposes. We may also offer automatic (or "push") notifications. We will provide push notifications only to those individuals who opt-in to receive such notifications from Visa. You do not have to provide location information to Visa or enable push notifications to use any of our mobile apps. If you have questions about location and notification privacy, please contact your mobile service provider or the manufacturer of your device to learn how to adjust your settings.
Visa offers you different choices about how we communicate with you and use your information.
Please note that even if you opt-out of marketing emails, we may still need to contact you with important transactional information about your account. For example, even if you opt-out of emails, we may still send you activity confirmations or fraud alerts.
In addition to these choices, we respect the rights you may have under any applicable privacy laws. If you have any questions about your choices or if you need any assistance with opting-out, please see the contact us section below.
If you have an online account with Visa, you can log into your account to access and update your Personal Information. You can also contact us to update the information you have provided to us. Additionally, Visa complies with all applicable laws regarding access and correction. If you need assistance accessing or updating your Personal Information, please see the contact us section below.
Visa is based in the United States and operates a global payment network with Affiliates and service providers located around the world. As a result, your Personal Information may be transferred to, stored at or processed in other countries, including the United States, Singapore, Australia, and United Kingdom, and other countries, which may not have equivalent privacy or data protection laws. However, regardless of where your Personal Information is transferred, we will protect it in accordance with this Privacy Notice and applicable law.
We use physical, technical, organizational, and administrative safeguards to help protect your Personal Information from unauthorized access or loss. For example, we use technology like encryption to protect sensitive Personal Information (such as your account number) during transmission. We will retain your Personal Information for as long as the information is needed for the purposes listed above and for any additional period that may be required or permitted by law.
This Privacy Notice only addresses the use and disclosure of information by Visa Inc. and its Affiliates. If you have signed up for services through your card issuer or another third party, or if you are interacting with Visa through a social media platform or other site, you should read the privacy notice given to you by that company or site owner.If you are participating in Visa offers or promotions, please also read the privacy notices provided by our partners. Other websites that may be accessible through this website have their own privacy policies and data collection, use and disclosure practices. We encourage you to familiarize yourself with the privacy statements provided by all third parties prior to providing them with information or taking advantage of an offer or promotion.
If you have applied for employment with Visa, the Personal Information submitted with your job application will be used only for recruitment and other customary human resources purposes including any required government reporting and recordkeeping obligations. For more information, please contact us using the information provided under the contact us section below.
Visa’s websites and applications are not directed to children under 16 and we do not knowingly collect any Personal Information directly from children under 16. We have websites that enable parents and teachers to help children learn about managing money and credit. We encourage parents and teachers to spend time online with children and to monitor their online activities.
We may also receive Personal Information about children from their parents or guardians or from merchants, such as when children are authorized users of payment cards. If you believe that Visa is processing information pertaining to a child inappropriately, please contact us using the information provided under the contact us section below so that we may investigate and restrict the data.
From time to time, we may update this Privacy Notice to reflect new or different privacy practices. We will place a notice online when we make material changes to this the Privacy Notice. Additionally, if the changes will materially affect the way we use or disclose previously-collected Personal Information, we will notify you about the change.
If you have questions or comments about our privacy practices, or would like help exercising your rights in accordance with this Privacy Notice, please
Visa Global Privacy Office
900 Metro Center Blvd.
Foster City, CA, 94404
Visa’sAffiliates are companies that are directly or indirectly controlled by Visa U.S.A. Inc. or its parent company Visa Inc. through ownership—for example, Visa International Service Association, Visa Worldwide Pte. Limited, Visa Canada Corporation, Visa International Servicios de Pago España, S.R.L.,Visa Europe Limited, Visa do Brasil Empreendimentos Ltda.