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PRIVACY NOTICE




Last Updated: 28 June 2021

Please contact us if you need a copy of this notice as of a particular date.


PRIVACY NOTICE

This “Privacy Notice” describes the practices of Fiserv, Inc., including its
subsidiaries and affiliates (collectively, “Fiserv”, “we”, “us”, or “our”) and
the rights and choices available to individuals, regarding personal data.
Personal data means any information that relates to an identifiable individual. 

Fiserv may provide separate privacy notices that apply to specific products or
services that we offer, in which case this Privacy Notice does not apply. Where
this Privacy Notice applies, Fiserv may provide additional or supplemental
privacy notices to individuals at the time we collect their data, which will
govern how we may process the information provided at that time. We may alter
this Privacy Statement as needed for certain products and services and to abide
by local laws or regulations around the world, such as by providing supplemental
information in certain countries. This Privacy Notice does not apply to Fiserv’s
processing of the personal data of its personnel, such as employees and
contractors.

We provide important information here for individuals located within Member
States of the European Union, countries in the European Economic Area, the
United Kingdom, and Switzerland (collectively, “Europe” or “European”).


TABLE OF CONTENTS

1. The personal data we collect
2. How we use your personal data
3. How we share your personal data
4. Your rights and choices
5. International transfers
6. How we keep your data safe
7. This Website May Link to Other Websites
8. Additional Information for European Users
9. Changes to this Privacy Notice
10. Contact Us
11. Information for California Residents


1. THE PERSONAL DATA WE COLLECT

We collect personal data about individuals from various sources described below.
Where applicable, we indicate whether and why individuals must provide us with
personal data, as well as the consequences of failing to do so.

Information that we collect directly from individuals and the parties with which
we do business

We may collect personal data directly from individuals and the parties with
which we do business, including prospects. These may include parties that
interact with us directly (such as individuals who download our mobile
applications or job applicants), parties to which we provide goods or services
(such as clients, banks or financial institutions, merchants, and individuals)
(collectively, “clients”), parties that provide services to us (such as vendors)
(collectively, “service providers”), and other parties with whom we offer or
provide products and services (such as independent sales organizations)
(collectively, “partners”). 

We may collect information from these parties in a variety of contexts, such as
when completing one of our online forms, making an application for one of our
products or services, interacting with us on social media, or corresponding with
us. The types of information we obtain in these contexts include:

 * Contact information of the business entity and its personnel who interact
   with us, such as name, job title, address, telephone number, and email
   address
 * Profile information, such as username and password that an individual may
   establish on one of our websites or mobile applications, along with any other
   information that an individual enters into their account profile
 * Demographic details, such as date of birth, country of citizenship and/or
   country of residence
 * Information about individuals’ affiliation with a legal entity, such as an
   individual’s role, and whether he or she is a beneficial owner or authorized
   signatory
 * Government-issued identification numbers (to the extent permitted under
   applicable law), such as a national identification number (e.g., a Social
   Security Number, tax identification number, or passport number), state or
   local identification number (e.g., a Driver’s License or other
   government-issued identification number), and a copy of your
   government-issued identification card
 * Feedback and correspondence, such as information you provide when you request
   information from us, receive customer support, or otherwise correspond with
   us, including by interacting with our pages on social networking online sites
   or services
 * Financial account information, such as payment card or bank account details 
 * Information about merchants, such as merchant name, merchant ID and category
   code, merchant location where a transaction occurred, and information about
   transactions processed by the merchant, including transaction volume,
   velocity, amounts, types of goods or services sold, and chargeback ratios
 * Information related to the use of Fiserv products or services, such as
   account information, spending thresholds, spending activity and patterns, and
   information about the transactions we process
 * Precise geolocation information, if you authorize our mobile application to
   access your location
 * Marketing information, such as your preferences for receiving marketing
   communications and details about how you engage with our marketing
   communications
 * Other information supplied by job applicants, such as professional
   credentials and skills, educational and work history, and other information
   of the type included on a resume or curriculum vitae

Information that we collect about individuals who do not interact with us
directly

We may receive personal data about individuals who do not interact with us
directly. For example, our clients, service providers, and partners may provide
us with information about individuals other than themselves when using our
products or services. In addition, due to the unique nature of Fiserv’s
business, in many cases, Fiserv obtains personal data from other participants in
a transaction processing chain, such as card associations and debit network
operators and their members. The types of information we receive about third
parties includes:

 * Information about the personnel of our clients, service providers, or
   partners, such as the business contact information that our clients, service
   providers, or partners provide to us in the context of our contractual
   relationships with them
 * Information about potential job candidates, such as when a recruiter contacts
   us about an individual who may become a candidate for a job at Fiserv
 * Information about customers of our clients that our clients send to us or
   allow us to collect in the context of the services that Fiserv performs, such
   as information related to financial transactions initiated by the customer,
   account registrations, and in some cases information needed to verify a
   customer’s identity and details of products or services purchased, and as
   otherwise stated in an applicable specific privacy notice for a Fiserv
   product or service. Where our technology is incorporated into a merchant’s
   mobile application or website, we also may automatically collect certain
   information of the type described in the section below titled “Information
   collected via automated means.”
 * Information obtained when processing transactions, such as information about
   payment transactions

Information we collect from private and publicly accessible sources

We and our service providers may collect information about individuals that is
publicly available, including by searching publicly accessible government lists
of restricted or sanctioned persons (such as the Specially Designated Nationals
And Blocked Persons List), public records databases (such as company registries
and regulatory filings), and by searching media and the internet. We and or our
third-party verification providers may also collect information from private or
commercially available sources, such as by requesting reports or information
from credit reference and fraud prevention agencies, to the extent permitted
under applicable law. 

We may also maintain pages for our company and our products and services on a
variety of third-party platforms, such as LinkedIn, Facebook, Twitter, Google+,
YouTube, Instagram, and other social networking services. When you interact with
our pages on those third-party platforms, the third-party’s privacy policy will
govern your interactions on the relevant platform. If the third-party platform
provides us with information about our pages on those platforms or your
interactions with them, we will treat that information in accordance with this
Privacy Notice.

Information collected via automated means

When you access our websites or use our mobile applications, we, our service
providers, and our partners may automatically collect information about you,
your computer or mobile device, and activity on our websites or mobile
applications. Typically, this information includes your computer or mobile
device operating system type and version number, manufacturer and model, device
identifier (such as the Google Advertising ID or Apple ID for Advertising),
browser type, screen resolution, IP address, the website you visited before
browsing to our website, general location information such as city, state or
geographic area; and information about your use of and actions on or in our
websites or mobile applications, such as pages or screens you accessed, how long
you spent on a page or screen, navigation paths between pages or screens,
information about your activity on a page or screen, access times, and length of
access. Certain products or services that we provide or which merchants may
incorporate into their websites or mobile applications may automatically collect
additional information, as may be further described in a separate privacy
notice.

Our service providers and business partners may collect this type of information
over time and across third-party websites. This information is collected via
various mechanisms, such as via cookies, web beacons, embedded scripts, through
our mobile applications, and similar technologies. This type of information may
also be collected when you read our HTML-enabled emails. Please refer to our
Cookies Notice for more details. You can choose to disable cookies or to opt out
of the use of your browsing behaviour for purposes of targeted advertising. For
opt out instructions, please review the “Targeted online advertising” portion of
the “Your Choices” section of this Privacy Notice.

Sensitive personal data

In limited circumstances and when permitted by law, we may request biometric
data to confirm your identity, such as when we authenticate a payment using your
fingerprint. In some circumstances, we may collect information that may reveal
health or medical information, such as when we process transactions at health or
medical facilities or pharmacies. In the context of processing employment
applications, we may also request sensitive information, such as racial or
ethnic origin or information about disability, where required or permitted by
law of the country in which you are applying for employment.

Outside of these contexts or otherwise as we specifically request, we ask that
you not provide us with any sensitive personal data (meaning information
revealing racial or ethnic origin, political opinions, religion or philosophical
beliefs, trade union membership, genetic, health, or biometric information,
information about sex life or sexual orientation, or criminal convictions or
offenses) through our websites or mobile applications, or otherwise to us.


2. HOW WE USE YOUR PERSONAL DATA

We use your personal data for the purposes of:

Providing our products and services, which includes:

 * Operating, evaluating, maintaining, improving, and providing the features and
   functionality of our products and services
 * Fulfilling a payment transaction initiated by you (either with us or our
   client)
 * Managing our relationship with you or your company
 * Carrying out our obligations, and exercising our rights, under our agreement
   with you or your company 
 * Communicating with you regarding your account with us, if you have one,
   including by sending you service-related emails or messages (e.g., messages
   regarding account verification, changes or updates to the functionality of
   our products or services, technical and security notices and alerts, and
   support and administrative messages)
 * Personalizing the manner in which we provide our products and services
 * Checking for fraud or money laundering and/or managing either our or our
   clients’ risk 
 * Administering and protecting our business 
 * Providing support and maintenance for our products and services, including
   responding to your service-related requests, questions, and feedback

For research and development

We use the information we collect for our own research and development purposes,
which include:

 * Developing or improving our products and services
 * Developing and creating analytics and related reporting, such as regarding
   industry and fraud trends

Marketing 

We may use your personal data to form a view on what products or services we
think you may want or need, or what may be of interest to you.

We may contact you with marketing communications using the personal data you
have provided to us if you have actively expressed your interest in making a
purchase or have made a purchase from us and, in any case, you have not opted
out of receiving that marketing, to the extent permitted by applicable law. 

Where required by law, we will get your express opt-in consent before we share
your personal data with any company outside of Fiserv for marketing purposes. 

You can ask us to stop sending you marketing messages at any time by contacting
us using the details at Contact us section or clicking on the opt-out link
included in each marketing message. 

Should you choose to opt out of receiving our marketing messages, we will
continue to carry out our other relevant activities using your personal data,
including sending non-marketing messages.

Managing our recruiting and processing employment applications

We process personal data, such as information submitted to us in a job
application, to facilitate our recruitment activities and process employment
applications, such as by evaluating a job candidate for an employment activity,
and monitoring recruitment statistics.

Complying with law 

We use your personal data as we believe necessary or appropriate to comply with
applicable laws, lawful requests and legal process, such as to respond to
subpoenas or requests from government authorities.

Compliance, fraud prevention and safety

We use your personal data as we believe necessary or appropriate to (a) enforce
the terms and conditions that govern our products and services; (b) protect our
rights, privacy, safety or property, and/or that of you or others; and (c)
protect, investigate and deter against fraudulent, harmful, unauthorized,
unethical or illegal activity.

With your consent

In some jurisdictions, applicable law may require us to request your consent to
use your personal data in certain contexts, such as when we use certain cookies
or similar technologies or would like to send you certain marketing messages. 
If we request your consent to use your personal data, you have the right to
withdraw your consent any time in the manner indicated when we requested the
consent or by contacting us. If you have consented to receive marketing
communications from our third party partners, you may withdraw your consent by
contacting those partners directly.

To create anonymous data

We may create anonymous data from your personal data and other individuals whose
personal data we collect.  We make personal data into anonymous data by
excluding information that makes the data personally identifiable to you, and
use that anonymous data for our lawful business purposes.  


3. HOW WE SHARE YOUR PERSONAL DATA

Companies within Fiserv

We may disclose your personal data to our subsidiaries and corporate affiliates
for purposes consistent with this Privacy Notice.  

Service providers

We may employ third party companies and individuals to administer and provide
services on our behalf (such as companies that provide customer support,
companies that we engage to host, manage, maintain, and develop our website,
mobile applications, and IT systems, and companies that help us process
payments). These third parties may use your information only as directed by
Fiserv and in a manner consistent with this Privacy Notice, and are prohibited
from using or disclosing your information for any other purpose.

Our clients

When Fiserv performs services for its clients, it may share personal data with
those entities. For example, Fiserv may collect information about a client’s
customers from or on behalf of the client, such as when Fiserv processes payment
transactions, and Fiserv may provide personal data about those customers back to
the client. We are not responsible for the privacy practices of our clients.

Participants in the transaction processing chain

Fiserv shares personal data with companies in the transaction processing chain
in connection with processing a payment transaction, such as merchants, banks or
other card issuers, card associations, debit network operators and their
members.

Credit reference, fraud protection, risk management, and identity and
verification agencies

Fiserv shares personal data with credit reference, fraud protection, risk
management, and identity verification agencies to help guard against, detect,
and respond to fraud or money laundering, and/or manage our or our clients’
risk, and ensure we comply with contractual, legal, or regulatory requirements.

Professional advisors

We may disclose your personal data to professional advisors, such as lawyers,
bankers, auditors and insurers, where necessary in the course of the
professional services that they render to us.

Compliance with Laws and Law Enforcement; Protection and Safety

Fiserv may disclose information about you to government or law enforcement
officials (including tax authorities) or private parties as required by law, and
disclose and use such information as we believe necessary or appropriate to (a)
comply with applicable laws and lawful requests and legal process, such as to
respond to subpoenas or requests from government authorities; (b) enforce the
terms and conditions that govern our products and services; (d) protect our
rights, privacy, safety or property, and/or that of you or others; and (e)
protect, investigate and deter against fraudulent, harmful, unauthorized,
unethical or illegal activity.

Business Transfers

Fiserv may sell or transfer some or all of its business or assets, including
your personal data, in connection with a business transaction (or potential
business transaction) such as a merger, consolidation, acquisition,
reorganization or sale of assets or in the event of bankruptcy, in which case we
will make reasonable efforts to require the recipient to honor this Privacy
Notice. 

To Other Parties with Your Permission or to Fulfill a Contract They Have With
You

Fiserv may transfer your personal data to any third party who is not otherwise
covered by the other listed categories above where you have given us permission
to do so, or with whom you have entered into a contract when we need to transfer
your personal data to that party in order to fulfil that contract.


4. YOUR RIGHTS AND CHOICES

In this section, we describe the rights and choices available to all users.
Users who are located in Europe may read additional information about their
rights below.

Marketing communications

You can ask us to stop sending you marketing messages at any time by contacting
us or clicking on the opt-out link included in each marketing message. You may
continue to receive service-related and other non-marketing messages. 

Targeted online advertising

Some of the business partners that collect information about users’ activities
on our websites or in our mobile applications may be members of organizations or
programs that provide choices to individuals regarding the use of their browsing
behavior or mobile application usage for purposes of targeted advertising.

Users may opt out of receiving targeted advertising on websites through
participating members of the following organizations or programs:

 * Network Advertising Initiative (USA)
 * Digital Advertising Alliance (USA)
 * European Interactive Digital Advertising Alliance (Europe)
 * Digital Advertising Alliance of Canada (Canada)
 * Australian Digital Advertising Alliance (Australia)
 * Data Driven Advertising Initiative (Japan) 

Users of mobile applications may opt out of receiving targeted advertising in
mobile applications through participating members of the Digital Advertising
Alliance by installing the AppChoices mobile application, available here, and
selecting the user’s choices. In addition, your mobile device settings may
provide functionality to limit our, or our partners’, ability to engage in ad
tracking or targeted advertising using the Google Advertising ID or Apple ID for
Advertising associated with your mobile device.

Please note that we also may work with companies that offer their own opt-out
mechanisms and may not participate in the opt-out mechanisms that we linked
above. 

If you choose to opt-out of targeted advertisements, you will still see
advertisements online, but they may not be relevant to you. Even if you do
choose to opt out, not all companies that serve online behavioural advertising
are included in this list, and so you may still receive some cookies and
tailored advertisements from companies that are not listed.

Do Not Track Signals

Some Internet browsers may be configured to send "Do Not Track" signals to the
online services that you visit. We currently do not respond to do not track
signals. To find out more about "Do Not Track," please visit
http://www.allaboutdnt.com.

Choosing not to provide your personal data

Where we request personal data directly from you, you do not have to provide it
to us. If you decide not to provide the requested information, in some
circumstances we, or our clients, may be unable to provide products or services
to you. For example, we may be unable to process your transaction.

Accessing, modifying or deleting your information 

In some jurisdictions, applicable law may provide a right for individuals to
access, modify, or delete their personal data in some. You may contact us
directly to request access to, modify or delete your information. We may not be
able to provide access to, modify, or delete your information in all
circumstances.

Complaints

If you have a complaint about our handling of your personal data, you may
contact our data protection officer using the contact information below.  We
request that a complaint be made in writing. Please provide details about your
concern or complaint so that our data protection officer can investigate it. We
will take appropriate action in response to your complaint, which may include
conducting internal discussions with relevant business representatives. We may
contact you for additional details or clarification about your concern or
complaint. We will contact you to inform you of our response to your complaint.
You also may have a right to file a complaint with a national or local
regulatory agency.


5. INTERNATIONAL TRANSFERS

Fiserv is headquartered in the United States, and it maintains offices and has
service providers in other countries, such as the countries listed here.  Your
personal data may be transferred to the United States or other locations outside
of your state, province, country or other governmental jurisdiction where we or
our service providers maintain offices and where privacy laws may not be as
protective as those in your jurisdiction. If we make such a transfer, we will
require that the recipients of your personal data provide data security and
protection in accordance with applicable law.

European users should read the important information provided here about
transfer of personal data outside of Europe.


6. HOW WE KEEP YOUR DATA SAFE

We have put in place appropriate security measures to prevent your personal data
from being accidentally lost, used or accessed in an unauthorised way, altered
or disclosed. In addition, we limit access to your personal data to those
employees, agents, contractors and other third parties who have a business need
to know. They will only process your personal data on our instruction and they
are subject to a duty of confidentiality. 

We maintain annual compliance with global Payment Card Industry Data Security
Standard (PCI DSS) adopted by the payment card brands for all companies that
process, store or transmit cardholder data.  

We have put in place procedures to deal with any suspected personal data breach
and will notify you and any applicable regulator of a breach where we are
legally required to do so.


7. THIS WEBSITE MAY LINK TO OTHER WEBSITES

We may also link to third-party websites, mobile applications, and other
content. Fiserv is not responsible for the privacy practices of any third party,
and this privacy notice does not apply to such third party’s websites, mobile
applications, or other content. Fiserv does not guarantee, approve, or endorse
any information, material, services, or products contained on or available
through any linked third-party website, mobile application, or other content.
Fiserv is not responsible for any content on third-party properties to which we
link. Fiserv provides links to third-party properties or content as a
convenience, and visiting or using linked third-party properties or content is
at your own risk.


8. ADDITIONAL INFORMATION FOR EUROPEAN USERS

Controller and Data Protection Officer

Fiserv is made up of different legal entities. References to "Fiserv", "we",
"us" or "our" in this Privacy Notice should be read to refer to the relevant
company in the Fiserv group responsible for handling your data. We will let you
know which member of the Fiserv group will be the controller for your data. That
information will be provided either in the contract we sign with you or in a
privacy notice we provide to you that specifically relates to the relationship
we have with you. 

We have appointed a data protection officer (“DPO”) who is responsible for
overseeing questions in relation to this Privacy Notice. If you have any
questions about this Privacy Notice or any privacy related queries, please
contact the DPO using the details set out below:

Data Protection Officer, Fiserv
Email address: dpo@fiserv.com
Postal address:


Janus House
Endeavour Drive
Basildon
Essex
SS14 3WF

Legal bases for processing


We are required to inform you of the legal bases of our processing of your
personal data, which are described in the table below.  If you have questions
about the legal basis of how we process your personal data, contact us. 

Processing purpose (click link for details)
Details regarding each processing purpose listed below are provided in the
section above titled “How we use your personal data”.

Legal basis

Providing our products and services

Processing is necessary to perform the contract governing our provision of the
products or services or to take steps that you request prior to signing up for
the Services.

 * Marketing
 * For research and development
 * To manage our recruiting and process employment applications
 * For compliance, fraud prevention and safety
 * To create anonymous data

These processing activities constitute our legitimate interests.  We make sure
we consider and balance any potential impact on you (both positive and negative)
and your rights before we process your personal data for our legitimate
interests. We do not use your personal data for activities where our interests
are overridden by the impact on you (unless we have your consent or are
otherwise required or permitted to by law).

To comply with law

Processing is necessary to comply with our legal obligations

With your consent

Processing is based on your consent. Where we rely on your consent you have the
right to withdraw it anytime in the manner indicated at the time we collect your
information or by contacting us via the following link here.

 

Use for new purposes

We may use your personal data for reasons not described in this Privacy Notice
where permitted by law and the reason is compatible with the purpose for which
we collected it.

Automated Decisions, Credit Reference Agencies and Fraud Prevention Agencies

We sometimes make automated decisions based on your personal data (whether
provided by you or collected by us from third parties such as credit reference
and fraud prevention agencies). We will only do this where it is required in
connection with a contract, authorized by law, or based on your explicit
consent. You can contact us for more information on automated decision making.
Please also see the “Your individual legal rights” section below.

How long will you use my personal data?

We will use your personal data for as long as necessary based on why we
collected it and what we use it for. This may include our need to satisfy a
legal, regulatory, accounting, or reporting requirement. 

To determine the appropriate retention period for personal data, we consider the
amount, nature, and sensitivity of the personal data, the potential risk of harm
from unauthorised use or disclosure of your personal data, the purposes for
which we process your personal data and whether we can achieve those purposes
through other means, and the applicable legal requirements.

In general terms, we will retain your personal data for the duration of your
involvement/engagement with us and for as long as reasonably necessary
afterwards; however, we may maintain different retention periods for different
products and services. There are also certain types of information which are
required to be retained for a certain period by law.

Your individual legal rights

Under certain circumstances, individuals in Europe have rights under data
protection laws in relation to their personal data. If you are located in
Europe, you may ask us to take the following actions regarding personal data
that we hold:

 * Access. You are entitled to ask us if we are processing your personal data
   and, if so, for a copy of the personal data we hold about you, as well as
   obtain certain other information about our processing activities.
 * Correction. If any personal data we hold about you is incomplete or
   inaccurate, you can require us to correct it, though we may need to verify
   the accuracy of the new data you provide to us.
 * Erasure. This enables you to ask us to delete or remove personal data where
   there is no good reason for us continuing to process it. You also have the
   right to ask us to delete or remove your personal data where you have
   successfully exercised your right to object to processing (see below), where
   we may have processed your information unlawfully or where we are required to
   erase your personal data to comply with local law. 
 * Object. Where our reason for processing your personal data is legitimate
   interest you may object to processing as you feel it impacts on your
   fundamental rights and freedoms. You also have the right to object where we
   are processing your personal data for direct marketing purposes. 
 * Restriction. You may ask us to suspend our use of your personal data in the
   following scenarios: 
   * if you want us to establish the data's accuracy; 
   * where our use of your personal data is unlawful but you do not want us to
     erase it; 
   * where you need us to hold your data for a longer period than we usually
     would, because you need it to establish, exercise or defend legal claims;
     or 
   * you have objected to our use of your data but we need to verify whether we
     have overriding legitimate grounds to use it. 
 * Transfer. Where it is possible, we will provide to you, or a third party you
   have chosen, your personal data in a structured, commonly used,
   machine-readable format. Note that this right only applies to personal data
   provided by you which you initially provided consent for us to use or where
   we used the information to perform a contract with you. 
 * Withdraw consent. Where our reason for processing is based on your consent,
   you may withdraw that consent at any time. If you withdraw your consent, we
   may not be able to provide certain products or services to you. We will
   advise you if this is the case at the time you withdraw your consent.
 * Automated decision making. You have the right not to be subject to automated
   decision making (e.g., profiling) that significantly affects you. The
   exercise of this right is not available to you in the following cases: 
   * The automated decision is required to enter into, or perform, a contract
     with you. 
   * We have your explicit consent to make such a decision.
   * The automated decision is authorised by local law of an EU member state. 

However, in the first two cases set out above, you still have the right to
obtain human intervention in respect of the decision, to express your point of
view and to contest the decision.

You can submit requests to exercise these rights by contacting the Fiserv
Privacy Office using the following link here. We may need to request specific
information from you to help us confirm your identity and ensure you are
entitled to exercise a right in respect of your personal data, for example, a
merchant identification number or account number. This is a security measure to
ensure that personal data is not disclosed to any person who has no right to
receive it. We may also contact you to ask you for further information in
relation to your request to speed up our response.

There may be legal or other reasons why we cannot, or are not obliged to, fulfil
a request to exercise your rights. We will use available lawful exemptions to
your individual rights to the extent appropriate. If we decline your request, we
will tell you why, subject to legal restrictions. 

You will not have to pay a fee to exercise any of your rights relating to your
personal data. However, we may charge a reasonable fee if your request is
clearly unfounded, repetitive or excessive. Alternatively, we may refuse to
comply with your request in these circumstances.

We will respond to all legitimate requests promptly and, in any event, within
any timeframes prescribed by applicable law. In general, we must respond to
queries within one month from the receipt of the request, so it is important
that requests are identified and submitted using the following link here as soon
as possible. Occasionally it may take us longer than a month if your request is
particularly complex or you have made a number of requests. In this case, we
will notify you and keep you updated. Any transmission of your personal data
will be handled in a secure manner.

You also have the right to make a complaint at any time to a supervisory
authority (for more information go to
https://edpb.europa.eu/about-edpb/board/members_en).

Cross-border data transfer

We transfer your personal data within the Fiserv group, including outside of
Europe. Sometimes we transfer your personal data out of Europe within the Fiserv
group to countries not deemed by the European Commission to provide an adequate
level of protection for personal data, the transfer will be based on our Binding
Corporate Rules, a copy of which can be found here. FDR LLC is the group company
responsible for compliance with our Binding Corporate Rules.

When we transfer personal data outside of Europe, within the group where the
Binding Corporate Rules do not apply, or to third parties in countries not
deemed by the European Commission to provide an adequate level of protection for
personal data, the transfer will be made pursuant to:

 * A contract approved by the European Commission (sometimes called “Model
   Clauses” or “Standard Contractual Clauses”);
 * The recipient’s Binding Corporate Rules;
 * The consent of the individual to whom the personal data relates; or
 * Other mechanisms or legal grounds as may be permitted under applicable
   European law

Please contact us if you would like to receive further information on the
specific mechanism used by us when transferring your personal data out of
Europe.


9. CHANGES TO THIS PRIVACY NOTICE

We reserve the right to modify this Privacy Notice at any time. We encourage you
to periodically review this page for the latest information on our privacy
practices. If we make material changes to this Privacy Notice, we will notify
you by updating the date of this Privacy Notice and posting it on our website
and in app stores where our mobile applications covered by this Privacy Notice
are available for download. We may (and, where required by law, will) also
provide notification of changes in another way that we believe is reasonably
likely to reach you, such as via e-mail (if you have an account where we have
your contact information) or another manner through our website or mobile
applications.

Any modifications to this Privacy Notice will be effective upon our posting of
the new terms and/or upon implementation of the new changes (or as otherwise
indicated at the time of posting). In all cases, your continued use of our
products or services after the posting of any modified Privacy Notice indicates
your acceptance of the terms of the modified Privacy Notice.


10. CONTACT US

For European privacy inquiries, you may contact our Data Protection Officer at
dpo@fiserv.com. 

For California resident data inquiries please refer to “How to exercise your
rights” below. 

For all other privacy inquiries related to this Notice, please contact us at
dpo@fiserv.com. 

We also maintain a Data Privacy Hotline, which is available 24 hours per day
from the United States, at +1 800-368-1000. The Hotline is the most appropriate
contact for an urgent concern, such as to report a suspected data breach
regarding your personal data; or, if you are a merchant, data of your customers.

For questions about your credit or debit card or your purchase, please contact
the financial institution that issued your card or the merchant.


11. INFORMATION FOR CALIFORNIA RESIDENTS

We are required by the California Consumer Privacy Act of 2018 (“CCPA”) to
provide to California residents an explanation of how we collect, use and share
their personal Information, and of the rights and choices we offer California
residents regarding our handling of the personal information.  

Your California privacy rights

As a California resident, you have the rights listed below. However, these
rights are not absolute, and we may decline your request as permitted by the
CCPA. 


 * Information.  You can request the following information about how we have
   collected and used your Personal Information during the past 12 months:
   
   * The categories of Personal Information that we have collected.
   * The categories of sources from which we collected Personal Information.
   * The business or commercial purpose for collecting and/or selling Personal
     Information.
   * The categories of third parties with whom we share Personal Information.
   * Whether we have disclosed your Personal Information for a business purpose,
     and if so, the categories of Personal Information received by each category
     of recipient.
   * Whether we’ve sold your Personal Information; and, if so, the categories of
     Personal Information received by each category of recipient.  
 * Access.  You can request a copy of the Personal Information that we maintain
   about you. 
 * Deletion.  You can ask us to delete the Personal Information that we maintain
   about you.
 * Nondiscrimination.  You are entitled to exercise the rights described above
   free from discrimination. This means that we will not penalize you for
   exercising your rights by taking actions such as by denying you goods or
   services, increasing the price/rate of goods or services, decreasing the
   service quality, or suggesting that we may penalize you as described above
   for exercising your rights. However, the CCPA allows us to charge you a
   different price or provide a different service quality if that difference is
   reasonably related to the value of the Personal Information we are unable to
   use. 

How to exercise your rights

You may exercise your California privacy rights as follows:

Right to information, access and deletion
You can request to exercise your information, access and deletion rights by:

 * www.fiserv.com/CCPA 
 * 1-888-999-1114
   
   
 * Identify verification. The CCPA requires us to verify the identity of the
   individual submitting the request before providing a substantive response to
   the request. A request must be provided with sufficient detail to allow us to
   understand, evaluate and respond. The requester must provide sufficient
   information to allow us to reasonably verify that the individual is the
   person about whom we collected information. A request may also be made on
   behalf of your child under 13.
 * Authorized agents.  California residents can empower an “authorized agent” to
   submit requests on their behalf.  We will require the authorized agent to
   have a written authorization confirming that authority.

Sale of Personal Information


We do not sell your Personal Information to third parties as defined in the
CCPA.  

Personal information that we collect, use and share

The chart below summarizes our collection, use and sharing of Personal
Information during the last 12 months before the effective date of this Privacy
Policy. We describe the sources through which we collect your Personal
Information in section above titled The Personal Data We Collect, and describe
the purposes for which we collect, use, and share this information in section
above titled How We Use Your Personal Data and How We Share Your Personal Data. 

Categories of Information We Collect

Do we collect this information?

Do we share this information for business purposes?

Identifiers

Yes

Yes

Online Identifiers

Yes

Yes

Protected Classification Characteristics

Age possible

Yes

Commercial Information

Yes

Yes

Biometric Information

Possible for authentication

Yes

Internet or Network Information

Yes

Yes

Geolocation Data

Yes, if you authorize

Yes

Professional or Employment Information

Possible

Yes

Education Information

Possible

Yes

Inferences

Yes

Yes

Financial Information

Yes

Yes

Medical Information

Possible

Yes

--------------------------------------------------------------------------------


GLOSSARY


Categories of Personal Information Data Elements within the Category Biometric
Information  An individual's physiological, biological or behavioural
characteristics, including DNA, that can be used, singly or in combination with
each other or with other identifying data, to establish an individual's
identity. Biometric information includes, but is not limited to, imagery of the
iris, retina, fingerprint, face, hand, palm, vein patterns, and voice
recordings, from which an identifier template, such as a face print, a minutiae
template, or a voiceprint, can be extracted, and keystroke patterns or rhythms,
gait patterns or rhythms, and sleep, health, or exercise data that contain
identifying information. Transaction History  Products or services purchased,
obtained, or considered, or other purchasing or consuming histories or
tendencies. Financial Information Bank account number, debit or credit card
numbers, insurance policy number, and other financial information.  Geolocation
Data Precise location, e.g., derived from GPS coordinates or telemetry data.
Identifiers Real name, alias, postal address, unique personal identifier,
customer number, email address, account name, other similar identifiers. 
Government-issued ID Social security number, driver's license, passport, or
other government-issued ID, including an ID number or image. Medical Information
Personal information about an individual's health or healthcare, including
health insurance information.   Internet or Network Information Browsing
history, search history, and information regarding a consumer's interaction with
an Internet website, application, or advertisement. Online Identifiers An online
identifier or other persistent identifier that can be used to recognize a
person, family or device, over time and across different services, including but
not limited to, a device identifier; an Internet Protocol address; cookies,
beacons, pixel tags, mobile ad identifiers, or similar technology; customer
number, unique pseudonym, or user alias; telephone numbers, or other forms of
persistent or probabilistic identifiers (i.e., the identification of a person or
a device to a degree of certainty of more probable than not) that can be used to
identify a particular person or device. Physical Description An individual's
physical characteristics or description (e.g., hair color, eye color, height,
weight). Professional or Employment Information Information relating to a
person's current, past or prospective employment or professional experience
(e.g., job history, performance evaluations), and educational background.
Protected Classification Characteristics Age (40 years or older), race, color,
ancestry, national origin, citizenship, religion or creed, marital status,
medical condition, physical or mental disability, sex (including gender, gender
identity, gender expression, pregnancy or childbirth and related medical
conditions), sexual orientation, veteran or military status, genetic information
(including familial genetic information). Sensory Information Audio, electronic,
visual, thermal, olfactory, or similar information.




HAVE A QUESTION FOR US?

If you have questions about this Privacy Policy, please contact us.

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