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Stripe’s updated Privacy Policy will be effective as of January 16, 2025.

We’re updating our Privacy Policy to clearly explain how we collect and use data
as we work to improve the Stripe experience. 

Here’s a summary of key changes:

 * Updates to further illustrate how we use Personal Data to analyze, update,
   and improve our products, including those powered by machine learning.

 * Updates to jurisdiction specific provisions in accordance with new
   regulations and guidance.

 * Stylistic changes to enhance clarity throughout the policy.

These are just a few highlights of the changes we made, so please read the
updated Privacy Policy below carefully. If you have questions, please check out
the rest of our Privacy Center or contact us.


PRIVACY POLICY

LAST UPDATED: JANUARY 16, 2025

This Privacy Policy includes important information about your personal data and
we encourage you to read it carefully.


WELCOME

We provide financial infrastructure for the internet. Individuals and businesses
of all sizes use our technology and services to facilitate purchases, accept
payments, send payouts, and manage online businesses.

This Privacy Policy (“Policy”) describes the Personal Data that we collect, how
we use and share it, and details on how you can contact us with privacy-related
inquiries. The Policy also outlines your rights and choices as a data subject,
including the right to object to certain uses of your Personal Data. 

Depending on the activity, Stripe assumes the role of a “data controller” and/or
“data processor” (or “service provider”). For more details about our privacy
practices, including our role, the specific Stripe entity responsible under this
Policy, and our legal bases for processing your Personal Data, please visit our
Privacy Center.


DEFINED TERMS

In this Policy, “Stripe”, “we”, “our”, or “us” refers to the Stripe entity
responsible for the collection, use, and handling of Personal Data as described
in this document. Depending on your jurisdiction, the specific Stripe entity
accountable for your Personal Data might vary. Learn More.

“Personal Data” refers to any information associated with an identified or
identifiable individual, which can include data that you provide to us, and that
we collect about you during your interaction with our Services (such as device
information, IP address, etc.).

“Services” refers to the products, services, devices, and applications, that we
provide under the Stripe Services Agreement (“Business Services”) or the Stripe
Consumer Terms of Service (“End User Services”); websites (“Sites”) like
Stripe.com and Link.com; and other Stripe applications and online services. We
provide Business Services to entities (“Business Users”). We provide End User
Services directly to individuals for their personal use. 

“Financial Partners” are financial institutions, banks, and other partners such
as payment method acquirers, payout providers, and card networks that we partner
with to provide the Services.

Depending on the context, “you” might be an End Customer, End User,
Representative, or Visitor:

 * End Users. When you use an End User Service, such as saving a payment method
   with Link, for personal use we refer to you as an “End User.”

 * End Customers. When you are not directly transacting with Stripe, but we
   receive your Personal Data to provide Services to a Business User, including
   when you make a purchase from a Business User on a Stripe Checkout page or
   receive payments from a Business User, we refer to you as an “End Customer.”

 * Representatives. When you are acting on behalf of an existing or potential
   Business User—perhaps as a company founder, account administrator for a
   Business User, or a recipient of an employee credit card from a Business User
   via Stripe Issuing—we refer to you as a “Representative.”

 * Visitors. When you interact with Stripe by visiting a Site without being
   logged into a Stripe account, or when your interaction with Stripe does not
   involve you being an End User, End Customer, or Representative, we refer to
   you as a “Visitor.” For example, you are a Visitor when you send a message to
   Stripe asking for more information about our Services.

In this Policy, “Transaction Data” refers to data collected and used by Stripe
to facilitate transactions you request. Some Transaction Data is Personal Data
and may include: your name, email address, contact number, billing and shipping
address, payment method information (such as credit or debit card number, bank
account details, or payment card image chosen by you), merchant and location
details, amount and date of purchase, and in some instances, information about
what was purchased.

1. Personal Data that we collect and how we use and share it

2. More ways we collect, use and share Personal Data

3. Legal bases for processing data

4. Your rights and choices

5. Security and retention

6. International data transfers

7. Updates and notifications

8. Jurisdiction-specific provisions

9. Contact us

10. US Consumer Privacy Notice


1. PERSONAL DATA WE COLLECT AND HOW WE USE AND SHARE IT

Our collection and use of Personal Data differs based on whether you are an End
User, End Customer, Representative, or Visitor, and the specific Service that
you are using. For example, if you're a sole proprietor who wants to use our
Business Services, we may collect your Personal Data to onboard your business;
at the same time, you might also be an End Customer if you've bought goods from
another Business User that is using our Services for payment processing. You
could also be an End User if you used our End User Service, such as Link, for
those transactions.


1.1 END USERS

We provide End User Services when we provide the Services directly to you for
your personal use (e.g., Link). Additional details regarding our collection,
usage, and sharing of End User Personal Data, including the legal bases we rely
on for processing such data, can be found in our Privacy Center.

A. PERSONAL DATA WE COLLECT ABOUT END USERS

 * Using Link or Connecting your bank account. Stripe offers a service called
   "Link," which allows you to create an account and store information for
   future interactions with Stripe’s Services and Business Users. You may save a
   number of different kinds of Personal Data using Link. For instance, you may
   save your name, payment method details, contact information, and address to
   conveniently use saved information to pay for transactions across our
   Business Users. When you choose to pay with Link, we will also collect
   Transaction Data associated with your transactions. Learn More.

 * You can also share and save bank account details to your Link account using
   Stripe’s Financial Connections product. When you use Financial Connections,
   Stripe will periodically collect and process your account information (such
   as bank account owner information, account balances, account number and
   details, account transactions, and, in some cases, log-in credentials). You
   can ask us to cease the collection of such data at any time. Learn More.

 * Finally, you can use Link to store your identity documents (such as your
   driver’s license) so that you can share them in future interactions with
   Stripe or its Business Users.

 * Paying Stripe. When you purchase goods or services directly from Stripe, we
   receive your Transaction Data. For instance, when you make a payment to
   Stripe Climate, we collect information about the transaction, as well as your
   contact and payment method details.

 * Identity/Verification Services. We offer an identity verification service
   that automates the comparison of your identity document (such as a driver’s
   license) with your image (such as a selfie). You can separately consent to us
   using your biometric data to enhance our verification technology, with the
   option to revoke your consent at any time. Learn More.

 * For further information about other types of Personal Data that we may
   collect about End Users, including about your online activity and your
   engagement with our End User Services, please see the More ways we collect,
   use, and share Personal Data section below.

B. HOW WE USE AND SHARE PERSONAL DATA OF END USERS

 * Services. We use and share your Personal Data to provide the End User
   Services to you, which includes support, personalization (such as language
   preferences and setting choices), and communication about our End User
   Services (such as communicating Policy updates and information about our
   Services). For example, Stripe may use cookies and similar technologies or
   the data you provide to our Business Users (such as when you input your email
   address on a Business User’s website) to recognize you and help you use Link
   when visiting our Business User’s website. Learn more about how we use
   cookies and similar technologies in Stripe’s Cookie Policy.

 * Our Business Users. When you use Link to make payments with our Business
   Users, we share your Personal Data, including name, contact information,
   payment method details, and Transaction Data with those Business Users. Learn
   More. You can also direct Stripe to share your saved bank account information
   and identity documents with Business Users you do business with. Once we
   share your Personal Data with Business Users, we may process that Personal
   Data as a Data Processor for those Business Users, as detailed in Section 1.2
   of this Policy.  You should consult the privacy policies of the Business
   Users’ you do business with for information on how they use the information
   shared with them.

 * Fraud Detection and Loss Prevention. We use your Personal Data collected
   across our Services to detect fraud and prevent financial losses for you, us,
   and our Business Users and Financial Partners, including detecting
   unauthorized purchases. We may provide Business Users and Financial Partners,
   including those that use our fraud prevention-related Business Services (such
   as Stripe Radar), with Personal Data about you (including your attempted
   transactions) so that they can assess the fraud or loss risk associated with
   the transaction. Learn more about how we may use technology to assess the
   fraud risk associated with an attempted transaction and what information we
   share with Business Users and Financial Partners here and here.

 * Advertising. Where permitted by applicable law, we may use your Personal
   Data, including Transaction Data, to assess your eligibility for, and offer
   you, other End User Services or promote existing End User Services, including
   through co-marketing with partners such as Stripe Business Users. Learn more.
   Subject to applicable law, including any consent requirements, we use and
   share End User Personal Data with third party partners to allow us to
   advertise our End User Services to you, including through interest-based
   advertising, and to track the efficacy of such ads. We do not transfer your
   Personal Data to third parties in exchange for payment, but we may provide
   your data to third-party partners, such as advertising partners, analytics
   providers, and social networks, who assist us in advertising our Services to
   you. Learn more.

 * More. For further information about ways we may use and share End Users'
   Personal Data, please see the More ways we collect, use, and share Personal
   Data section below.


1.2 END CUSTOMERS

Stripe provides various Business Services to our Business Users, which include
processing in-person or online payments or payouts for those Business Users.
When acting as a service provider—also referred to as a Data Processor—for a
Business User, we process End Customer Personal Data in accordance with our
agreement with the Business User and the Business User's lawful instructions.
This happens, for example, when we process a payment for a Business User because
you purchased a product from them, or when the Business User asks us to send you
funds.

Business Users are responsible for ensuring that the privacy rights of their End
Customers are respected, including obtaining appropriate consents and making
disclosures about their own data collection and use associated with their
products and services. If you're an End Customer, please refer to the privacy
policy of the Business User you're doing business with for its privacy
practices, choices, and controls.

We provide more comprehensive information about our collection, use, and sharing
of End Customer Personal Data in our Privacy Center, including the legal bases
we rely on for processing your Personal Data.

A. PERSONAL DATA WE COLLECT ABOUT END CUSTOMERS

 * Transaction Data. If you're an End Customer making payments to, receiving
   refunds or payments from, initiating a purchase or donation, or otherwise
   transacting with our Business User, whether in-person or online, we receive
   your Transaction Data. We may also receive your transaction history with the
   Business User. Learn More. Additionally, we may collect information entered
   into a checkout form even if you opt not to complete the form or transaction
   with the Business User. Learn More. A Business User who uses Stripe’s
   Terminal Service to provide its goods or services to End Customers may use
   the Terminal Service to collect End Customer Personal Data (like your name,
   email, phone number, address, signature, or age) in accordance with its own
   privacy policy.

 * Identity/Verification Information. Stripe provides a verification and fraud
   prevention Service that our Business Users can use to verify Personal Data
   about you, such as your authorization to use a particular payment method.
   During the process, you’d be asked to share with us certain Personal Data
   (like your government ID and selfie for biometric verification, Personal Data
   you input, or Personal Data that is apparent from the physical payment method
   like a credit card image). To protect against fraud and determine if somebody
   is trying to impersonate you, we may cross-verify this data with information
   about you that we've collected from Business Users, Financial Partners,
   business affiliates, identity verification services, publicly available
   sources, and other third party service providers and sources. Learn More.

 * More. For further information about other types of Personal Data that we may
   collect about End Customers, including about your online activity, please see
   the More ways we collect, use, and share Personal Data section below.

B. HOW WE USE AND SHARE PERSONAL DATA OF END CUSTOMERS

To provide our Business Services to our Business Users, we use and share End
Customers' Personal Data with them. Where allowed, we also use End Customers'
Personal Data for Stripe’s own purposes such as enhancing security, improving
and offering our Business Services, and preventing fraud, loss, and other
damages, as described further below.

 * Payment processing and accounting. We use your Transaction Data to deliver
   Payment-related Business Services to Business Users — including online
   payment transactions processing, sales tax calculation, and invoice, bill,
   and dispute handling — and to help them determine their revenue, settle their
   bills, and execute accounting tasks. Learn More. We may also use your
   Personal Data to provide and improve our Business Services.

 * During payment transactions, your Personal Data is shared with various
   entities in connection with your transaction. As a service provider or data
   processor, we share Personal Data to enable transactions as directed by
   Business Users. For instance, when you choose a payment method for your
   transaction, we may share your Transaction Data with your bank or other
   payment method provider, including as necessary to authenticate you, Learn
   More, process your transaction, prevent fraud, and handle disputes. The
   Business User you choose to do business with also receives Transaction Data
   and might share the data with others. Please review your merchant’s, bank’s,
   and payment method provider’s privacy policies for more information about how
   they use and share your Personal Data.

 * Financial services. Certain Business Users leverage our Services to offer
   financial services to you via Stripe or our Financial Partners. For example,
   a Business User may issue a card product with which you can purchase goods
   and services. Such cards could carry the brand of Stripe, the bank partner,
   and/or the Business User. In addition to any Transaction Data we may generate
   or receive when these cards are used for purchases, we also collect and use
   your Personal Data to provide and manage these products, including assisting
   our Business Users in preventing misuse of the cards. Please review the
   privacy policies of the Business User and, if applicable, our bank partners
   associated with the financial service (the brands of which may be shown on
   the card) for more information.

 * Identity/Verification services. We use Personal Data about your identity to
   perform verification services for Stripe or for the Business Users that you
   are transacting with, to prevent fraud, and to enhance security. For these
   purposes we may use Personal Data you provide directly or Personal Data we
   obtain from our service providers, including for phone verification. Learn
   More. If you provide a selfie along with an image of your identity document,
   we may employ biometric technology to compare and calculate whether they
   match and verify your identity. Learn More.

 * Fraud detection and loss prevention. We use your Personal Data collected
   across our Services to detect and prevent losses for you, us, our Business
   Users, and Financial Partners. We may provide Business Users and Financial
   Partners, including those using our fraud prevention-related Business
   Services, with your Personal Data (including your attempted transactions) to
   help them assess the fraud or loss risk associated with a transaction. Learn
   more about how we may use technology to assess the fraud risk associated with
   an attempted transaction and what information we share with Business Users
   and Financial Partners here and here.

 * Our Business Users (and their authorized third parties). We share End
   Customers' Personal Data with their respective Business Users and parties
   directly authorized by those Business Users to receive such data. Here are
   common examples of such sharing:
   
   * When a Business User instructs Stripe to provide another Business User with
     access to its Stripe account, including data related to its End Customers,
     via Stripe Connect.
     
   * Sharing information that you have provided to us with a Business User so
     that we can send payments to you on behalf of that Business User.
     
   * Sharing information, documents, or images provided by an End Customer with
     a Business User when the latter uses Stripe Identity, our identity
     verification Service, to verify the identity of the End Customer. 
     

 * The Business Users you choose to do business with may further share your
   Personal Data with third parties (like additional third party service
   providers other than Stripe). Please review the Business User’s privacy
   policy for more information.

 * Advertising by Business Users. If you initiate a purchasing process with a
   Business User, the Business User receives your Personal Data from us in
   connection with our provision of Services even if you don't finish your
   purchase. The Business User may use your Personal Data to market and
   advertise their products or services, subject to the terms of their privacy
   policy. Please review the Business User’s privacy policy for more
   information, including your rights to stop their use of your Personal Data
   for marketing purposes.

 * More. For further information about additional ways by which we may use and
   share End Customers' Personal Data, please see the More ways we collect, use,
   and share Personal Data section below.


1.3 REPRESENTATIVES

We collect, use, and share Personal Data from Representatives of Business Users
(for example, business owners) to provide our Business Services. For more
information about how we collect, use, and share Personal Data from
Representatives, as well as the legal bases we rely on for processing such
Personal Data, please visit our Privacy Center.

A. PERSONAL DATA WE COLLECT ABOUT REPRESENTATIVES 

 * Registration and contact information. When you register for a Stripe account
   for a Business User (including incorporation of a Business), we collect your
   name and login credentials. If you register for or attend an event organized
   by Stripe or sign up to receive Stripe communications, we collect your
   registration and profile data. As a Representative, we may collect your
   Personal Data from third parties, including data providers, to advertise,
   market, and communicate with you as detailed further in the More ways we
   collect, use, and share Personal Data section below. We may also link a
   location with you to tailor the Services or information effectively to your
   needs. Learn More.

 * Identification Information. As a current or potential Business User, an owner
   of a Business User, or a shareholder, officer, or director of a Business
   User, we need your contact details, such as name, postal address, telephone
   number, and email address, to fulfill our Financial Partner and regulatory
   requirements, verify your identity, and prevent fraudulent activities and
   harm to the Stripe platform. We collect your Personal Data, such as ownership
   interest in the Business User, date of birth, government-issued identity
   documents, and associated identifiers, as well as any history of fraud or
   misuse, directly from you and/or from third parties such as credit bureaus
   and via the Services we provide. Learn More. You may also choose to provide
   us with bank account information.

 * More. For further information about other types of Personal Data that we may
   collect about Representatives, including your online activity, please see the
   More ways we collect, use, and share Personal Data section below.

B. HOW WE USE AND SHARE PERSONAL DATA OF REPRESENTATIVES 

We typically use the Personal Data of Representatives to provide the Business
Services to the corresponding Business Users. The ways we use and share this
data are further described below.

 * Business Services. We use and share Representatives’ Personal Data with
   Business Users to provide the Services requested by you or the Business User
   you represent.

 * In some instances, we may have to submit your Personal Data to a government
   entity to provide our Business Services, for purposes such as the
   incorporation of a business, or calculating and paying applicable sales tax.
   For our tax-related Business Services, we may use your Personal Data to
   prepare tax documents and file taxes on behalf of the Business User you
   represent. For our Atlas business incorporation Services, we may use your
   Personal Data to submit forms to the IRS on your behalf and file documents
   with other government authorities, such as articles of incorporation in your
   state of incorporation.

 * We share Representatives’ Personal Data with parties authorized by the
   corresponding Business User, such as Financial Partners servicing a financial
   product, or third party apps or services the Business User chooses to use
   alongside our Business Services. Here are common examples of such sharing:
   
   * Payment method providers, like Visa or WeChat Pay, require information
     about Business Users and their Representatives who accept their payment
     methods. This information is typically required during the onboarding
     process or for processing transactions and handling disputes for these
     Business Users. Learn More.
     
   * A Business User may authorize Stripe to share your Personal Data with other
     Business Users to facilitate the provision of Services through Stripe
     Connect.
     

 * The use of Personal Data by a third party authorized by a Business User is
   subject to the third party’s privacy policy.

 * If you are a Business User who has chosen a name that includes Personal Data
   (for example, a sole proprietorship or family name in a company name), we
   will use and share such information for the provision of our Services in the
   same way we do with any company name. This may include, for example,
   displaying it on receipts and other transaction-identifying descriptions.

 * Fraud detection and loss prevention. We use Representatives’ Personal Data to
   identify and manage risks that our Business Services might be used for
   fraudulent activities causing losses to Stripe, End Users, End Customers,
   Business Users, Financial Partners, and others. We also use information about
   you obtained from third parties like credit bureaus and from our Services to
   address such risks, including to identify patterns of misuse and monitor for
   terms of service violations. Stripe may share Representatives' Personal Data
   with Business Users, our Financial Partners, and third party service
   providers, including phone verification providers, Learn More, to verify the
   information provided by you and identify risk indicators. Learn More. We also
   use and share Representatives' Personal Data to conduct due diligence,
   including conducting anti-money laundering and sanctions screening in
   accordance with applicable law.

 * Advertising. Where permitted by applicable law, and where required with your
   consent, we use and share Representatives’ Personal Data with third parties,
   including Partners, so we can advertise and market our Services and Partner
   integrations. Subject to applicable law, including any consent requirements,
   we may advertise through interest-based advertising and track the efficacy of
   such ads. See our Cookie Policy. We do not transfer your Personal Data to
   third parties in exchange for payment. However, we may provide your data to
   third party partners, like advertising partners, analytics providers, and
   social networks, who assist us in advertising our Services. Learn more. We
   may also use your Personal Data, including your Stripe account activity, to
   evaluate your eligibility for and offer you Business Services or promote
   existing Business Services. Learn more.

 * More. For further information about additional ways by which we may use and
   share Representatives’ Personal Data, please see the More ways we collect,
   use, and share Personal Data section below.


1.4 VISITORS

We collect, use, and share the Personal Data of Visitors. More details about how
we collect, use, and share Visitors’ Personal Data, along with the legal bases
we rely on for processing such Personal Data, can be found in our Privacy
Center.

A. PERSONAL DATA WE COLLECT ABOUT VISITORS

When you browse our Sites, we receive your Personal Data, either provided
directly by you or collected through our use of cookies and similar
technologies. See our Cookie Policy for more information. If you opt to complete
a form on the Site or third party websites where our advertisements are
displayed (like LinkedIn or Facebook), we collect the information you included
in the form. This may include your contact information and other information
pertaining to your questions about our Services. We may also associate a
location with your visit. Learn More.

 * More. Further details about other types of Personal Data that we may collect
   from Visitors, including your online activity, can be found in the More ways
   we collect, use, and share Personal Data section below.
   

B. HOW WE USE AND SHARE PERSONAL DATA OF VISITORS

 * Personalization. We use the data we collect about you using cookies and
   similar technologies to measure engagement with the content on the Sites,
   improve relevancy and navigation, customize your experience (such as language
   preference and region-specific content), and curate content about Stripe and
   our Services that's tailored to you. For instance, as not all of our Services
   are available globally, we may customize our responses based on your region.

 * Advertising. Where permitted by applicable law, and where required with your
   consent, we use and share Visitors’ Personal Data with third parties,
   including Partners, so we can advertise and market our Services and Partner
   integrations. Subject to applicable law, including any consent requirements,
   we may advertise through interest-based advertising and track the efficacy of
   such ads. See our Cookie Policy. We do not transfer your Personal Data to
   third parties in exchange for payment, but we may provide your data to third
   party partners, like advertising partners, analytics providers, and social
   networks, who assist us in advertising our Services. Learn more.

 * Engagement. As you interact with our Sites, we use the information we collect
   about and through your devices to provide opportunities for further
   interactions, such as discussions about Services or interactions with
   chatbots, to address your questions.

 * More. For more information about additional ways we may use and share
   Visitors’ Personal Data, please see the More ways we collect, use, and share
   Personal Data section below.


2. MORE WAYS WE COLLECT, USE, AND SHARE PERSONAL DATA

In addition to the ways described above, we also process your Personal Data as
follows:

A. COLLECTION OF PERSONAL DATA

 * Online Activity. Depending on the Service used and how our Business Services
   are implemented by the Business Users, we may collect information related to:
   
   * The devices and browsers you use across our Sites and third party websites,
     apps, and other online services (“Third Party Sites”).
     
   * Usage data associated with those devices and browsers and your engagement
     with our Services, including data elements like IP address, plug-ins,
     language preference, time spent on Sites and Third Party Sites, pages
     visited, links clicked, payment methods used, and the pages that led you to
     our Sites and Third Party Sites. We also collect activity indicators, such
     as mouse activity indicators, to help us detect fraud. Learn More. See also
     our Cookie Policy.
     

 * Communication and Engagement Information. We also collect information you
   choose to share with us through various channels, such as support tickets,
   emails, or social media. If you respond to emails or surveys from Stripe, we
   collect your email address, name, and any other data you opt to include in
   your email or responses. If you engage with us over the phone, we collect
   your phone number and any other information you might provide during the
   call. Calls with Stripe or Stripe representatives may be recorded. Learn
   More. Additionally, we collect your engagement data, like your registration
   for, attendance at, or viewing of Stripe events and any other interactions
   with Stripe personnel.

 * Forums and Discussion Groups. If our Sites allow posting of content, we
   collect Personal Data that you provide in connection with the post.

B. USE OF PERSONAL DATA. 

Besides the use of Personal Data described above, we use Personal Data in the
ways listed below:

 * Analyzing, Improving, and Developing our Services. We collect and process
   Personal Data throughout our various Services, whether you are an End User,
   End Customer, Representative, or Visitor, to improve our Services, develop
   new Services, and support our efforts to make our Services more efficient,
   relevant, and useful to you. Learn More.  We may use Personal Data to
   generate aggregate and statistical information to understand and explain how
   our Services are used.  Examples of how we use Personal Data to analyze,
   improve, and develop our products and services include:
   
   * Using analytics on our Sites, including as described in our Cookie Policy,
     to help us understand your use of our Sites and Services and diagnose
     technical issues. 
     
   * Training machine learning models to power our Services and protect against
     fraud and other harm. Learn More.
     
   * Analyzing and drawing inferences from Transaction Data to reduce costs,
     fraud, and disputes and increase authentication and authorization rates for
     Stripe and our Business Users. 
     

 * Communications. We use the contact information we have about you to deliver
   our Services, which may involve sending codes via SMS for your
   authentication. Learn More. If you are an End User, Representative, or
   Visitor, we may communicate with you using the contact information we have
   about you to provide information about our Services and our affiliates’
   services, invite you to participate in our events, surveys, or user research,
   or otherwise communicate with you for marketing purposes, in compliance with
   applicable law, including any consent or opt-out requirements. For example,
   when you provide your contact information to us or when we collect your
   business contact details through participation at trade shows or other
   events, we may use this data to follow up with you regarding an event,
   provide information requested about our Services, and include you in our
   marketing information campaigns. Where permitted under applicable law, we may
   record our calls with you to provide our Services, comply with our legal
   obligations, perform research and quality assurance, and for training
   purposes.

 * Social Media and Promotions. If you opt to submit Personal Data to engage in
   an offer, program, or promotion, we use the Personal Data you provide to
   manage the offer, program, or promotion. We also use the Personal Data you
   provide, along with the Personal Data you make available on social media
   platforms, for marketing purposes, unless we are not permitted to do so.

 * Fraud Prevention and Security. We collect and use Personal Data to help us
   identify and manage activities that could be fraudulent or harmful across our
   Services, enable our fraud detection Business Services, and secure our
   Services and transactions against unauthorized access, use, alteration or
   misappropriation of Personal Data, information, and funds. As part of the
   fraud prevention, detection, security monitoring, and compliance efforts for
   Stripe and its Business Users, we collect information from third parties
   (such as credit bureaus) and via the Services we offer. In some instances, we
   may also collect information about you directly from you, or from our
   Business Users, Financial Partners, and other third parties for the same
   purposes. Furthermore, to protect our Services, we may receive details such
   as IP addresses and other identifying data about potential security threats
   from third parties. Learn More. Such information helps us verify identities,
   conduct credit checks where lawfully permitted, and prevent fraud.
   Additionally, we might use technology to evaluate the potential risk of fraud
   associated with individuals seeking to procure our Business Services or
   arising from attempted transactions by an End Customer or End User with our
   Business Users or Financial Partners.

 * Compliance with Legal Obligations. We use Personal Data to meet our
   contractual and legal obligations related to anti-money laundering,
   Know-Your-Customer ("KYC") laws, anti-terrorism activities, safeguarding
   vulnerable customers, export control, and prohibition of doing business with
   restricted persons or in certain business fields, among other legal
   obligations. For example, we may monitor transaction patterns and other
   online signals and use those insights to identify fraud, money laundering,
   and other harmful activity that could affect Stripe, our Financial Partners,
   End Users, Business Users and others. Learn More. Safety, security, and
   compliance of our Services are key priorities for us, and collecting and
   using Personal Data is crucial to this effort.

 * Minors. Our Services are not directed to children under the age of 13, and we
   request that they do not provide Personal Data to seek Services directly from
   Stripe. In certain jurisdictions, we may impose higher age limits as required
   by applicable law.

C. SHARING OF PERSONAL DATA. 

Besides the sharing of Personal Data described above, we share Personal Data in
the ways listed below:

 * Stripe Affiliates. We share Personal Data with other Stripe-affiliated
   entities for purposes identified in this Policy.

 * Service Providers or Processors. In order to provide, communicate, market,
   analyze, and advertise our Services, we depend on service providers. These
   providers offer critical services such as providing cloud infrastructure,
   conducting analytics for the assessment of the speed, accuracy, and/or
   security of our Services, verifying identities, and providing customer
   service and audit functions. We authorize these service providers to use or
   disclose the Personal Data we make available to them to perform services on
   our behalf and to comply with relevant legal obligations. We require these
   service providers to contractually commit to security and confidentiality
   obligations for the Personal Data they process on our behalf. The majority of
   our service providers are based in the European Union, the United States of
   America, and India. Learn More.

 * Financial Partners. We share Personal Data with certain Financial Partners to
   provide Services to Business Users and offer certain Services in conjunction
   with these Financial Partners. For instance, we may share certain Personal
   Data, such as payment processing volume, loan repayment data, and
   Representative contact information, with institutional investors and lenders
   who purchase loan receivables or provide financing related to Stripe
   Capital.  Learn More.

 * Others with Consent. In some situations, we may not offer a service, but
   instead refer you to others (like professional service firms that we partner
   with to deliver the Atlas Service). In these instances, we will disclose the
   identity of the third party and the information to be shared with them, and
   seek your consent to share the information.

 * Corporate Transactions. If we enter or intend to enter a transaction that
   modifies the structure of our business, such as a reorganization, merger,
   sale, joint venture, assignment, transfer, change of control, or other
   disposition of all or part of our business, assets, or stock, we may share
   Personal Data with third parties in connection with such transaction. Any
   other entity that buys us or part of our business will have the right to
   continue to use your Personal Data, subject to the terms of this Policy.

 * Compliance and Harm Prevention. We share Personal Data when we believe it is
   necessary to comply with applicable law; to abide by rules imposed by
   Financial Partners in connection with the use of their payment method; to
   enforce our contractual rights; to secure and protect the Services, rights,
   privacy, safety, and property of Stripe, you, and others, including against
   malicious or fraudulent activity; and to respond to valid legal requests from
   courts, law enforcement agencies, regulatory agencies, and other public and
   government authorities, which may include authorities outside your country of
   residence.


3. LEGAL BASES FOR PROCESSING PERSONAL DATA

For purposes of the General Data Protection Regulation (GDPR) and other
applicable data protection laws, we rely on a number of legal bases to process
your Personal Data. Learn More. For some jurisdictions, there may be additional
legal bases, which are outlined in the Jurisdiction-Specific Provisions section
below.

 * a. Contractual and Pre-Contractual Business Relationships. We process
   Personal Data to enter into business relationships with prospective Business
   Users and End Users and fulfill our respective contractual obligations with
   them. These processing activities include:
   
   * Creation and management of Stripe accounts and Stripe account credentials,
     including the assessment of applications to initiate or expand the use of
     our Services;
     
   * Creation and management of Stripe Checkout accounts;
     
   * Accounting, auditing, and billing activities; and
     
   * Processing of payments and related activities, which include fraud
     detection, loss prevention, transaction optimization, communications about
     such payments, and related customer service activities.
     

 * b. Legal Compliance. We process Personal Data to verify the identities of
   individuals and entities to comply with obligations related to fraud
   monitoring, prevention, and detection, laws associated with identifying and
   reporting illicit and illegal activities, such as those under the Anti-Money
   Laundering ("AML") and Know-Your-Customer (“KYC") regulations, and financial
   reporting obligations. For example, we may be required to record and verify a
   Business User’s identity to comply with regulations designed to prevent money
   laundering, fraud, and financial crimes. These legal obligations may require
   us to report our compliance to third parties and subject ourselves to third
   party verification audits.

 * c. Legitimate Interests. Where permitted under applicable law, we rely on our
   legitimate business interests to process your Personal Data. The following
   list provides an example of the business purposes for which we have a
   legitimate interest in processing your data:
   
   * Detection, monitoring, and prevention of fraud and unauthorized payment
     transactions;
     
   * Mitigation of financial loss, claims, liabilities or other harm to End
     Customers, End Users, Business Users, Financial Partners, and Stripe;
     
   * Determination of eligibility for and offering new Stripe Services (Learn
     More);
     
   * Response to inquiries, delivery of Service notices, and provision of
     customer support;
     
   * Promotion, analysis, modification, and improvement of our Services,
     systems, and tools, as well as the development of new products and
     services, including enhancing the reliability of the Services;
     
   * Management, operation, and improvement of the performance of our Sites and
     Services, through understanding their effectiveness and optimizing our
     digital assets;
     
   * Analysis and advertisement of our Services, and related improvements;
     
   * Aggregate analysis and development of business intelligence that enable us
     to operate, protect, make informed decisions about, and report on the
     performance of our business;
     
   * Sharing of Personal Data with third party service providers that offer
     services on our behalf and business partners that help us in operating and
     improving our business (Learn More);
     
   * Enabling network and information security throughout Stripe and our
     Services; and
     
   * Sharing of Personal Data among our affiliates.
     

 * d. Consent. We may rely on consent or explicit consent to collect and process
   Personal Data regarding our interactions with you and the provision of our
   Services such as Link, Financial Connections, Atlas, and Identity. When we
   process your Personal Data based on your consent, you have the right to
   withdraw your consent at any time, and such a withdrawal will not impact the
   legality of processing performed based on the consent prior to its
   withdrawal.

 * e. Substantial Public Interest. We may process special categories of Personal
   Data, as defined by the GDPR, when such processing is necessary for reasons
   of substantial public interest and consistent with applicable law, such as
   when we conduct politically-exposed person checks. We may also process
   Personal Data related to criminal convictions and offenses when such
   processing is authorized by applicable law, such as when we conduct sanctions
   screening to comply with AML and KYC obligations.

 * f. Other valid legal bases. We may process Personal Data further to other
   valid legal bases as recognized under applicable law in specific
   jurisdictions. See the Jurisdiction-specific provisions section below for
   more information.


4. YOUR RIGHTS AND CHOICES

Depending on your location and subject to applicable law, you may have choices
regarding our collection, use, and disclosure of your Personal Data:

A. OPTING OUT OF RECEIVING ELECTRONIC COMMUNICATIONS FROM US

If you wish to stop receiving marketing-related emails from us, you can opt-out
by clicking the unsubscribe link included in such emails or as described here.
We'll try to process your request(s) as quickly as reasonably practicable.
However, it's important to note that even if you opt out of receiving
marketing-related emails from us, we retain the right to communicate with you
about the Services you receive (like support and important legal notices) and
our Business Users might still send you messages or instruct us to send you
messages on their behalf.

B. YOUR DATA PROTECTION RIGHTS

Depending on your location and subject to applicable law, you may have the
following rights regarding the Personal Data we process about you as a data
controller:

 * The right to request confirmation of whether Stripe is processing Personal
   Data associated with you, the categories of personal data it has processed,
   and the third parties or categories of third parties with which your Personal
   Data is shared;

 * The right to request access to the Personal Data Stripe processes about you
   (Learn More);

 * The right to request that Stripe rectify or update your Personal Data if it's
   inaccurate, incomplete, or outdated;

 * The right to request that Stripe erase your Personal Data in certain
   circumstances as provided by law (Learn More);

 * The right to request that Stripe restrict the use of your Personal Data in
   certain circumstances, such as while Stripe is considering another request
   you've submitted (for instance, a request that Stripe update your Personal
   Data);

 * The right to request that we export the Personal Data we hold about you to
   another company, provided it's technically feasible;

 * The right to withdraw your consent if your Personal Data is being processed
   based on your previous consent;

 * The right to object to the processing of your Personal Data if we are
   processing your data based on our legitimate interests; unless there are
   compelling legitimate grounds or the processing is necessary for legal
   reasons, we will cease processing your Personal Data upon receiving your
   objection (Learn More); 

 * The right not to be discriminated against for exercising these rights; and 

 * The right to appeal any decision by Stripe relating to your rights by
   contacting Stripe’s Data Protection Officer (“DPO”) at dpo@stripe.com, and/or
   relevant regulatory agencies.

You may have additional rights, depending on applicable law, over your Personal
Data. For example, see the Jurisdiction-specific provisions section under United
States below.

C. PROCESS FOR EXERCISING YOUR DATA PROTECTION RIGHTS 

To exercise your data protection rights related to Personal Data we process as a
data controller, visit our Privacy Center or contact us as outlined below.  For
Personal Data we process as a data processor, please reach out to the relevant
data controller (Business User) to exercise your rights. If you contact us
regarding your Personal Data we process as a data processor, we will refer you
to the relevant data controller to the extent we are able to identify them.


5. SECURITY AND RETENTION

We make reasonable efforts to provide a level of security appropriate to the
risk associated with the processing of your Personal Data. We maintain
organizational, technical, and administrative measures designed to protect the
Personal Data covered by this Policy from unauthorized access, destruction,
loss, alteration, or misuse. Learn More. Unfortunately, no data transmission or
storage system can be guaranteed to be 100% secure.  

We encourage you to assist us in protecting your Personal Data. If you hold a
Stripe account, you can do so by using a strong password, safeguarding your
password against unauthorized use, and avoiding using identical login
credentials you use for other services or accounts for your Stripe account. If
you suspect that your interaction with us is no longer secure (for instance, you
believe that your Stripe account's security has been compromised), please
contact us immediately.

We retain your Personal Data for as long as we continue to provide the Services
to you or our Business Users, or for a period in which we reasonably foresee
continuing to provide the Services. Even after we stop providing Services
directly to you or to a Business User that you're doing business with, and even
after you close your Stripe account or complete a transaction with a Business
User, we may continue to retain your Personal Data to:

 * Comply with our legal and regulatory obligations;

 * Enable fraud monitoring, detection, and prevention activities; and

 * Comply with our tax, accounting, and financial reporting obligations,
   including when such retention is required by our contractual agreements with
   our Financial Partners (and where data retention is mandated by the payment
   methods you've used).

In cases where we keep your Personal Data, we do so in accordance with any
limitation periods and record retention obligations imposed by applicable law.
Learn More.


6. INTERNATIONAL DATA TRANSFERS

As a global business, it's sometimes necessary for us to transfer your Personal
Data to countries other than your own, including the United States. These
countries might have data protection regulations that are different from those
in your country. When transferring data across borders, we take measures to
comply with applicable data protection laws related to such transfer. In certain
situations, we may be required to disclose Personal Data in response to lawful
requests from officials, such as law enforcement or security authorities. Learn
More.

If you are located in the European Economic Area (“EEA”), the United Kingdom
("UK"), or Switzerland, please refer to our Privacy Center for additional
details. When a data transfer mechanism is mandated by applicable law, we employ
one or more of the following:

 * Transfers to certain countries or recipients that are recognized as having an
   adequate level of protection for Personal Data under applicable law.  

 * EU Standard Contractual Clauses approved by the European Commission and the
   UK International Data Transfer Addendum issued by the Information
   Commissioner’s Office. You can obtain a copy of the relevant Standard
   Contractual Clauses. Learn More.

 * Other lawful methods available to us under applicable law. 

Stripe, Inc. complies with the EU-U.S. Data Privacy Framework (“EU-U.S. DPF”),
the UK Extension to the EU-U.S. DPF, and the Swiss-U.S. Data Privacy Framework
as set forth by the U.S. Department of Commerce and as applicable. Learn More.

Stripe’s privacy practices, as described in this Privacy Policy, comply with the
Cross Border Privacy Rules System (“CBPR”) and Privacy Rules for Processor
(“PRP”) systems. These systems provide a framework for organizations to ensure
protection of personal data transferred among participating economies. Where
CBPR and/or PRP are recognized as a valid transfer mechanism under applicable
law, Stripe will transfer Personal Data in accordance with the CBPR and PRP
certifications Stripe has obtained. More information about the framework can be
found here and here. If you have unresolved privacy or data use concerns that we
have not addressed satisfactorily, please contact our U.S. based third-party
dispute resolution provider (free of charge) at
https://feedback-form.truste.com/watchdog/request. To view the status of our
certifications, please click here (CBPR) and here (PRP).


7. UPDATES AND NOTIFICATIONS

We may change this Policy from time to time to reflect new services, changes in
our privacy practices or relevant laws. The “Last updated” legend at the top of
this Policy indicates when this Policy was last materially revised. Any changes
are effective the latter of when we post the revised Policy on the Services or
otherwise provide notice of the update as required by law.

We may provide you with disclosures and alerts regarding the Policy or Personal
Data collected by posting them on our website and, if you are an End User or
Representative, by contacting you through your Stripe Dashboard, email address
and/or the physical address listed in your Stripe account.


8. JURISDICTION-SPECIFIC PROVISIONS

 * Australia. “Personal Data” includes “personal information” as defined under
   applicable privacy laws in Australia, including the Privacy Act 1988 (Cth) as
   amended from time to time. 
   
   * If we use personal information to make automated decisions that could
     reasonably be expected to significantly affect your rights or interests, we
     will provide the legally required information and transparency via our
     Privacy Center, and/or on a case by case basis. 
     
   * If you are an Australian resident and dissatisfied with our handling of any
     complaint you raise under this Policy, you may consider contacting the
     Office of the Australian Information Commissioner.
     

 * Brazil. You may exercise your rights by contacting our DPO Adi Gilad at
   dpo@stripe.com. Brazilian residents, for whom the Lei Geral de Proteção de
   Dados Pessoais (“LGPD”) applies, have rights set forth in Article 18 of the
   LGPD.  If the LGPD is applicable to the processing of your Personal Data, you
   may have the right to:
   
   * Confirm the existence of the data processing;
     
   * Access your Personal Data;
     
   * Correct incomplete, inaccurate or outdated data;
     
   * Anonymize, block, or delete data that is unnecessary, excessive or
     processed in violation of the LGPD;
     
   * Transfer your data to another service or product provider;
     
   * Delete data processed with your consent;
     
   * Obtain information about the public or private entities with which Stripe
     has shared your Personal Data;
     
   * Obtain information about how to and the consequences of refusing consent;
     and
     
   * Withdraw consent.
     

 * Canada. As used in this Policy, “applicable law” includes the Federal
   Personal Information Protection and Electronic Documents Act (“PIPEDA”), the
   Personal Information Protection Act, SBC 2003 c 63, in British Columbia, the
   Personal Information Protection Act, SA 2003 c P-6.5, in Alberta, and the Act
   Respecting the Protection of Personal Information in the Private Sector, CQLR
   c P-39-1 (“Quebec Private Sector Act”), in Quebec. Learn more.  “Personal
   Data” includes “personal information” as defined under those laws.
   
   * Stripe’s Chief Privacy Officer is the person in charge of personal
     information, including under the Quebec Private Sector Act.  You may
     contact them via email at privacy\@stripe.com.  When Stripe collects
     Personal Data belonging to Canadian (including Quebec) residents, it
     transfers that data to data centers in the United States.  When Stripe
     relies on service providers to process Personal Data as described herein,
     those service providers may also be located outside of Canada or Quebec.
     
   * You have the right to request access or rectification of the Personal Data
     Stripe holds related to you or to withdraw any consent given to the
     processing of such personal data.  You may exercise those rights by
     contacting Stripe’s Chief Privacy Officer at privacy\@stripe.com.  If you
     are an End Customer, you should contact the Business User with which you
     transacted to exercise your rights.
     

 * EEA and UK. You may exercise your rights by contacting our DPO at
   dpo@stripe.com. If you are a resident of the EEA or the Stripe entity
   accountable for your Personal data is otherwise subject to the GDPR, and you
   believe our processing of your information contradicts the GDPR, you may
   direct your questions or complaints to the Irish Data Protection Commission.
   If you are a resident of the UK, direct your questions or concerns to the UK
   Information Commissioner’s Office. You also have additional rights under the
   EU-U.S. DPF and the UK Extension to the EU-U.S. DPF. Learn More.

 * India. In this Policy, “applicable law” includes the Digital Personal Data
   Protection Act (“DPDPA”) once the DPDPA enters into effect. Further, the term
   “data controller” includes “data fiduciaries,” and the term “data subject”
   includes “data principal,” both as defined in the DPDPA.
   
   * In some cases, and as permitted under the DPDPA, we may rely on “legitimate
     use” as a legal basis. For example, we might do so when you voluntarily
     provide your Personal Data to us. Where we are required to obtain your
     explicit and informed consent, we will do so on a case by case basis.
     “Consent Managers” as defined under the DPDPA may submit a request to
     revoke or provide consent using the methods described in the Contact Us
     section below, or as set out in the following paragraph, or via other means
     made available by Stripe in the future. We may ask for proof of
     authorization and identity before processing such a request.
     
   * You have the right to contact Stripe to nominate another individual, who
     may, in the event of your death or incapacity, exercise your rights under
     this Privacy Policy and under the DPDPA and implementing regulations.
     
   * In certain cases, you may be asked to consent to the collection and
     processing of your Aadhaar number by Stripe India Private Limited and/or
     its third party verification partner(s). The purpose of this collection is
     to facilitate the identification verification process as required under
     applicable laws. Your provision of Aadhaar details is purely voluntary, and
     you may provide other identification documents as may be accepted by us
     from time to time. You will not be denied service merely for not submitting
     Aadhaar details.
     
   * If you have any questions or complaints regarding the processing of your
     Personal Data in India, or if you want to receive this Policy or
     communicate with us about privacy in one of India’s official languages,
     please contact our Nodal and Grievance Officer. Learn More. Alternatively,
     you may contact our DPO at dpo@stripe.com. If we are unable to address your
     complaint or grievance, you have the right to escalate the matter to the
     Data Protection Board of India.
     

 * Indonesia. In this Policy, “applicable law” includes Law No. 11 of 2008 as
   amended by Law No. 19 of 2016 on Electronic Information and Transactions,
   Government Regulation No. 71 of 2019 on the Implementation of Electronic
   Systems and Transactions, and Minister of Communication and Informatics
   Regulation No. 20 of 2016 on Personal Data Protection in Electronic Systems,
   and from September 2024, Law No. 27 of 2022 concerning Personal Data
   Protection (“PDP Law”). If you have any questions or complaints about this
   Policy, please contact our DPO at dpo@stripe.com.

 * Japan. In this Policy, “applicable law” includes the Act on the Protection of
   Personal Information (“APPI”). When we transfer Personal Data of data
   subjects in Japan to jurisdictions not recognized as ‘adequate’ by the
   Personal Information Protection Commission, we enter into written agreements
   with any third parties located outside of Japan. These written agreements
   provide rights and obligations equivalent to those provided under the
   Japanese Act on the Protection of Personal Information. For more information
   on how we ensure that third parties protect your data and where your data is
   located, please see above or contact us as described below. For a description
   of foreign systems and frameworks that may affect the implementation of
   equivalent measures by the third party, see here. In some cases, and as
   permitted under the APPI, we may rely on “public interest” as a legal basis,
   such as fraud detection and loss prevention.

 * Malaysia. If you have any questions or complaints about this Policy, please
   contact our DPO at dpo@stripe.com.

 * Singapore. In this Policy, “applicable law” includes the Personal Data
   Protection Act 2012 (“PDPA”) (No. 26 of 2012) as amended from time to time.
   In some cases, and as permitted under the PDPA, we may rely on “deemed
   consent” as a legal basis. For example, we do so when you voluntarily provide
   your personal data to us. If you have any questions or complaints about this
   Policy, please contact our DPO at dpo@stripe.com.

 * Switzerland. In this Policy, “applicable law” includes the Swiss Federal Act
   on Data Protection (“FADP”), as revised. To exercise your rights under the
   FADP, please contact our DPO at dpo@stripe.com. You may also have additional
   rights under the Swiss-U.S. Data Privacy Framework. Learn More.

 * Thailand. In this Policy, “applicable law” includes the Personal Data
   Protection Act 2019 (“PDPA”). If we rely on certain legal bases (such as
   “legal obligation” or “contractual necessity” and you do not provide us with
   your Personal Data, we may not be able to lawfully provide you services. If
   you have any questions or complaints about this Policy, please contact our
   DPO at dpo@stripe.com. Where required, we have put in place appropriate
   safeguards for the cross-border transfer of Personal Data from Thailand,
   including the EU Standard Contractual Clauses as adapted for Thailand data
   transfers in accordance with the Notification of the Personal Data Protection
   Committee on Criteria for the Protection of Personal Data Sent or Transferred
   to a Foreign Country Pursuant to Section 29 of the Personal Data Protection
   Act, B.E. 2562 B.E. 2566 (2023).

 * United States. If you are a consumer located in the United States (“US”), we
   process your personal information in accordance with US federal and state
   privacy laws. For additional details, please review the information below and
   see our additional U.S. Privacy Disclosures here. Stripe uses cookies,
   including advertising cookies, as described in our Cookie Policy.
   
   * Your Rights and Choices. As a US consumer and subject to certain
     limitations under US privacy laws, you may have choices regarding our use
     and disclosure of your Personal Data.  In addition to the above rights, you
     may also have the rights listed in this section. Please see our Privacy
     Center to learn more about data subject rights metrics and learn more about
     the laws under which these rights may apply. 
     
     * Exercising the right to know: You have a right to request additional
       information about the categories of personal information collected, sold,
       disclosed, or shared; purposes for which this personal information was
       collected, sold, or shared; categories of sources of personal
       information; and categories of third parties with whom we disclosed or
       shared this personal information.
       
     * Exercising the right to opt-out from a sale or sharing: We do not
       transfer your personal data to third parties in exchange for payment.
       However, as noted above, we may provide the data to third party partners,
       such as advertising partners, analytics providers, and social networks,
       who assist us in advertising our products and Services to you. Because
       these third parties may use the data Stripe provides for their own
       purposes, Stripe's provision of data to these parties may be considered a
       data “sale” or “sharing” (for behavioral advertising) as those terms are
       defined under the CCPA and other applicable US privacy laws. You can opt
       out of targeted advertising and any related data “sales” or “sharing”
       (for behavioral advertising) here.
       
     * Exercising the right to limit the use or sharing of Sensitive Personal
       Information: We do not sell or share (for behavioral advertising)
       Sensitive Personal Information as defined by US privacy laws and have not
       done so in the past 12 months. Learn more about our collection and use of
       Sensitive Personal Information over the last 12 months here.
       
     * Profiling with legal or similarly significant effects: In the event that
       we engage in profiling or automated decision making for which applicable
       law entitles you to an opt out we will provide you with notice of how to
       exercise that opt-out right.
       
     * Appeal: If you wish to appeal any of our decisions regarding a rights
       request under US privacy laws, you may do so by contacting Stripe’s Data
       Protection Officer (“DPO”) at dpo@stripe.com.
       
   * To submit a request to exercise any of the rights described above, please
     contact us using the methods described in the Contact Us section below.
     Please note that rights under some U.S. state laws do not apply to Personal
     Data we collect, process, and disclose when you act as a consumer to obtain
     financial products or services from Stripe for personal, family, or
     household purposes. The federal Gramm-Leach Bliley Act may govern how
     Stripe shares and protects that data instead. See our US Consumer Privacy
     Notice below for more information.
     
   * We will verify your request by asking you to send it from the email address
     associated with your account or requiring you to provide information
     necessary to verify your identity, including name, address, transaction
     history, photo identification, and other information associated with your
     account.
     
   * You may designate, in writing or through a power of attorney, an authorized
     agent to make requests on your behalf to exercise your rights under the
     CCPA and other applicable US privacy laws. Your agent may submit a request
     on your behalf by contacting us using the methods described in the Contact
     Us section below. We may still require you to directly verify your identity
     and confirm that you gave the authorized agent permission to submit the
     request.
     

Global Privacy Control signals. Stripe honors the Global Privacy Control (GPC)
opt-out preference signals. Learn More.


9. CONTACT US

If you have any questions or complaints about this Policy, please contact us. If
you are an End Customer (i.e., an individual doing business or transacting with
a Business User), please refer to the privacy policy or notice of the Business
User for information regarding the Business User’s privacy practices, choices
and controls, or contact the Business User directly.


10. US CONSUMER PRIVACY NOTICE

The following Consumer Privacy Notice applies to you if you are an individual
who resides in the United States and obtains financial services from Stripe
primarily for your own personal, family, or household purposes.

Last updated: January 16, 2025

FACTS WHAT DOES STRIPE DO WITH YOUR PERSONAL INFORMATION? Why? Financial
companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires
us to tell you how we collect, share, and protect your personal information.
Please read this notice carefully to understand what we do. What?

The types of personal information we collect and share depend on the product or
service you have with us. This information can include:

• Social Security Number

• Contact details

• Account balances and transaction history

• Payment, transaction, and purchase information and history

When you are no longer our customer, we continue to share your information as
described in this notice.

How? All financial companies need to share customers' personal information to
run their everyday business. In the section below, we list the reasons financial
companies can share their customers' personal information; the reasons Stripe
chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Stripe Share? Can you limit
this sharing For our everyday business purposes – such as to process your
transactions, maintain your account(s), respond to court orders and legal
investigations, or report to credit bureaus Yes No For our marketing purposes -
to offer our products and Services to you Yes No For joint marketing with other
financial companies Yes No For our affiliates' everyday business purposes -
information about your transactions and experiences Yes No For our affiliates'
everyday business purposes - information about your creditworthiness No We don’t
share For our affiliates to market to you No We don’t share For nonaffiliates to
market to you (for data not collected through Financial Connections) Learn more.
Yes Yes For nonaffiliates to market to you (for data collected through Financial
Connections) No We don’t share

To limit our sharing

Login to your Link account at app.link.com/settings and toggle off data sharing
from the Messaging menu.

Please note: If you are a new customer, we can begin sharing your information 30
days from the date we sent this notice. When you are no longer our customer, we
continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions? Contact us at privacy@stripe.com or visit us at
https://support.link.com

Who we are Who is providing this notice? Stripe, Inc., Stripe Payments Company,
and their affiliates that provide consumers services in the U.S.

What we do How does Stripe protect my personal information? To protect your
personal information from unauthorized access, destruction, loss, alteration, or
misuse we use security measures to comply with federal law. These measures
include computer safeguards and secured files and buildings. We impose access
controls along with ongoing monitoring to prevent data misuse, and we require
our service providers to take similar steps to protect your information. How
does Stripe collect my personal information?

We collect your personal information, for example, when you

• open a Link account;

• ask Stripe to process a payment for goods or services;

• provide bank account information to Stripe using Financial Connections

We also collect your personal information from others, such as affiliates or
other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

• sharing for affiliates’ everyday business purposes — information about your
creditworthiness

• affiliates from using your information to market to you

• sharing for nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit
sharing. See the Other Important Information section below for more information
on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone
else? Your choices will apply to everyone on your account.

Definitions Affiliates

Companies related by common ownership or control. They can be financial and
nonfinancial companies.

• Our affiliates include companies operating under the Stripe name, such as
Stripe Technology Europe, Ltd. and Stripe Payments UK, Ltd.

Nonaffiliates

Companies not related by common ownership or control.  They can be financial and
nonfinancial companies.

• Nonaffiliates with which we share personal information include service
providers that perform services or functions on our behalf, Business Users with
which you choose to transact, partners with which we share data to provide you
with services, and advertising partners, analytics providers, and social
networks, who assist us in advertising our Services to you.

Joint Marketing

A formal agreement between non-affiliated financial companies that together
market financial products or services to you.

• Our joint marketing partners include financial companies we partner with to
provide you with financial services.

Other important information

Vermont: If your account with us is associated with a Vermont billing address,
we will not disclose information about your creditworthiness to our affiliates
and will not disclose your personal information, financial information, credit
report, or health information to nonaffiliated third parties to market to you,
other than as permitted by Vermont law, unless you authorize us to make those
disclosures.  For joint marketing, we will only disclose your name, contact
information, and information about your transactions.  Additional information
concerning our privacy policies can be found in our Privacy Policy and Privacy
Center.

California: If your account with us is associated with a California billing
address, we will not disclose Personal Data we collect about you except to the
extent permitted under California law.  For instance, we may disclose your
Personal Data as necessary to process transactions or provide products and
services you request, at your instruction, as required for institution risk
control, and to safeguard against fraud, identity theft, and unauthorized
transactions.

For additional information about our privacy practices, please visit the Stripe
Privacy Center.

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