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MASTERCARD - GLOBAL PRIVACY NOTICE




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


EFFECTIVE DATE: 1/15/2024



Mastercard International Incorporated and its affiliates (collectively,
“Mastercard”) respect your privacy.



 1.  Personal Information We May Collect
 2.  How We May Use Your Personal Information
 3.  How We Share Your Personal Information
 4.  Your Rights and Choices
 5.  Data Transfers
 6.  How We Protect Your Personal Information
 7.  Features and Links to Other Websites
 8.  Children’s Privacy
 9.  Updates to This Global Privacy Notice
 10. How to Contact Us
     

This Global Privacy Notice describes the types of Personal Information we
collect, the purposes for which we collect that Personal Information, the other
parties with whom we may share it and the measures we take to protect the
security of the data. It also tells you about your rights and choices with
respect to your Personal Information, and how you can contact us about our
privacy practices.

Please note that we also act on behalf of and under the instructions of
financial institutions, merchants and other partners which act as data
controllers, including for processing payment transactions. Please refer to
their respective privacy policies for more information regarding the processing
of your Personal Information in these contexts.

Our privacy practices may vary among the countries in which we operate to
reflect local practices and legal requirements. Specific privacy notices may
apply to some of our products and services. Please visit the webpage or digital
asset of the specific product or service to learn more about our privacy and
information practices in relation to that product or service.



 

Data Analytics Opt-Out
Marketing Email Opt-Out
My Data

 


1. PERSONAL INFORMATION WE MAY COLLECT

“Personal Information” means any information relating to an identified or
identifiable individual. We may collect the following categories of Personal
Information:

 * Transaction information, such as personal account number, the merchant’s name
   and location, the date and the total amount of the transaction, and other
   information provided by financial institutions or merchants when we act on
   their behalf.
 * Product and service information, such as registration and payment
   information, and program-specific information, when you request products or
   services directly from us, or participate in marketing programs.
 * Website, device and mobile app usage, and similar information collected via
   automated means, such as cookies and similar technologies.
 * Job applications and related information when you apply for a job with us.
 * Business contact information when you work for one of our business partners.
 * Identity verification information, such as name, e-mail address, physical
   address, telephone number, and IP address.

Learn more
  

For the purpose of this Global Privacy Notice, unless otherwise specified,
“Personal Information” means any information relating to an identified or
identifiable individual. We may obtain different types of Personal Information
(including Sensitive Personal Information, as may be the case under applicable
laws) relating to you in the situations described below.

Personal Information We Receive from Financial Institutions, Merchants, and
Other Partners in Connection with Mastercard’s Products or Services

As a processor of payment transactions and provider of related services, we
obtain a limited amount of information in connection with your payment
transactions such as the personal account number, the merchant’s name and
location, the date and the total amount of the transaction. Importantly, we
generally do not need or collect the cardholder’s name or other contact
information to process payment transactions.

In addition, for certain products and services, your financial institutions, the
merchants where you make a transaction or other partners may provide us with
more information about you, or we may collect it directly from you to provide
you with those products and services on their behalf, support their business or
perform processing activities on their behalf.

In the above situations, we may act on behalf of and under the instructions of
financial institutions, merchants and other partners which act as data
controllers. Unless otherwise authorized by law, we will process your Personal
Information to process payment transactions or for the purposes agreed between
Mastercard and the financial institutions, merchants and other partners. Please
refer to their respective privacy policies for more information regarding the
processing of your Personal Information.

Personal Information We Collect when Providing Mastercard’s Products and
Services Directly to You

Mastercard may provide you directly with products and services such as marketing
programs, rewards programs, eWallets, Open Banking solutions, prepaid services,
location alert programs, and biometric authentication tools. To benefit from one
or more of these products and services, you can submit information to us
directly via various means including: (i) on our websites and digital assets,
(ii) in response to marketing or other communications, (iii) by signing up for a
Mastercard product or service, or (iv) through your participation in an offer,
program or promotion. We may also obtain Personal Information about you through
your use of our products or services, from companies that use or facilitate our
products or services, from publicly available sources, or from third party
partners. Your Personal Information may also be passed on to us by your
financial institution, merchant or other business partners.

Below is an overview of the types of Personal Information we may collect in
relation to programs we offer directly to you. Each program differs, so where
applicable, please refer to the relevant program-specific privacy notice for
more information on the use of your Personal Information for that specific
program.

 * Registration and payment information: We may collect identifiers and your
   contact information (such as name, email address, telephone number, billing
   or shipping address), authentication information (e.g., username and
   password), age, date of birth, gender and family status, military and veteran
   status, language preferences, payment details, personal account number,
   commercial information, such as merchant’s name and location, date and total
   amount of the transactions, card expiration date and card verification code.
 * Information we process to provide you with the program: We may collect
   different types of Personal Information depending on the program. For
   example, programs designed to offer you location-based services will
   typically require the collection of your address or geolocation data.
   Programs within our Open Banking solutions may require the collection of your
   financial account information. Similarly, programs designed to allow you to
   authenticate for example, via facial or fingerprint recognition may require
   the processing of your photograph and/or biometric information. All these
   programs are voluntary, and your Personal Information is only collected if
   you subscribe to such programs.
 * Other information you choose to provide: You may choose to provide other
   information, such as different types of content (e.g., photographs, articles,
   comments), contact information of friends or other people you would like us
   to contact, content you make available through social media accounts or
   memberships with third parties, or any other information you want to share
   with us, for example when you contact customer service.

You may be subject to obligations under applicable laws, such as the obligation
to provide complete and accurate Personal Information when consenting to the
processing of your Personal Information.

In addition, we may collect or use Personal Information for fraud prevention and
monitoring, risk management, dispute resolution and other related purposes. Such
information may include identifiers, commercial information, and Internet or
other electronic network activity information, such as the personal account
number, merchant’s name and location, date and total amount of the transactions,
IP address, fraud score, location data, merchant details, items purchased and
information about the dispute. When we provide cryptocurrency and blockchain
intelligence solutions, we may also collect and process information gathered
from the blockchain, including blockchain addresses and other cryptocurrency
transaction details. For more information, please click here.

For more information on our collection of Personal Information in the context of
our Open Banking solutions, please click here.

Personal Information We Obtain from Your Interaction with Mastercard’s Ads,
Websites, Apps or Other Digital Assets

We, our service providers and partners may collect certain information about you
via automated means such as Internet or other electronic network activity
information, cookies, and web beacons when you interact with our ads, mobile
apps, or visit our websites, pages or other digital assets. The Internet and/or
Device Information we collect in this manner may include: IP address, browser
type, operating system, mobile device identifier, geographical area, referring
URLs and information on actions taken or interaction with our digital assets. A
“cookie” is a text file placed on a computer’s hard drive by a web server. A
“web beacon,” also known as an Internet tag, pixel tag or clear GIF, is a
technology that helps us identify when content has been accessed or visited.

We use this information to improve our online products and services by assessing
how many users access or use our online products and services, which content,
products and features of our online products and services most interest our
visitors, what types of offers our customers like to see and how our online
products and services perform from a technical point of view. For instance, we
may use third-party web analytics services on our websites and mobile apps, such
as those of Adobe Omniture. The analytics providers that administer these
services use technologies such as cookies and web beacons to help us analyze how
visitors use our websites and apps.

We, our service providers and partners may also collect information about you in
connection with our marketing activities, including offers, sweepstakes,
contests and promotions. The information collected for these purposes may
include identifiers and your contact information (e.g., name, postal address,
email address, telephone number), electronic identification data (e.g.,
username, password, security questions, IP address), and data collected in the
context of online marketing programs, including commercial information, Internet
or other electronic network activity information, geolocation data, and
inferences drawn from Personal Information (e.g., personal characteristics, life
habits, consumption habits, interests, location data, and voice and image
recordings).

We, our service providers and partners may also collect information about you to
provide you with content and advertising tailored to your individual interests
based on inferences drawn from Personal Information. The information collected
for these purposes may include Internet or other electronic network activity
information, such as details about things like the particular pages or ads you
view on our websites and apps and the actions you take on our websites and apps.

We, our service providers and partners may collect certain information about you
via automated means such as, social media tools, widgets or plug-ins to connect
you to your social media accounts. These features may allow you to sign in
through your social media account, share a link or post directly to your social
media account. When you visit a website that contains such tools or plugins, the
social media or other service provider may learn of your visit. However, your
interactions with these tools are governed by the privacy policies of the
corresponding social media platforms. As we do not control these third-parties’
data handling practices, we recommend that you review their privacy policies,
terms of use, and license agreements (if any). For further details, please
consult Section 7 (“Features and Links to Other Websites”) of this Global
Privacy Notice.

In addition, some of our online products and services include advanced fraud
prevention technology using behavioral-based data or biometric information, such
as keystroke timing, device accelerometer, scroll position and mouse-location.

Where required under applicable law, we obtain your consent prior to using the
above automated means, and prior to sending you marketing communications,
tailored content and advertising.

Please see the “Your Rights and Choices” section of this Global Privacy Notice
to learn about your choices.

Because there is not yet a consensus on how companies should respond to web
browser-based do-not-track (“DNT”) mechanisms, Mastercard does not respond to
web browser-based DNT signals at this time. To learn more about browser tracking
signals and DNT, visit http://www.allaboutdnt.com.

Personal Information We Obtain when You Apply for a Job with Us

If you are applying for a job at Mastercard, we may collect certain identifiers
and professional or employment-related information from your job applications on
our Career website. To learn more about the type of information Mastercard
collects in connection with job applications, please see the Mastercard
Applicant Privacy Notice.

Personal Information We Collect in the Context of Our Business Relationship with
a Financial Institution, Merchant or other Entity Partnering with Mastercard

We may collect Personal Information from individuals working for one of our
business partners (including financial institutions, merchants, customers,
suppliers, vendors and other partners), including identifiers, name, job title,
department and name of organization, business email and postal addresses,
business telephone number, queries, answers to security questions, security
passwords and other credentials. We may use this information to provide products
and services directly to financial institutions, corporate clients, merchants,
customers and partners, to manage our business relationships and financial
reporting, for franchise development and integrity, to protect us from financial
crime, to improve our service, for marketing and to comply with applicable law,
as well as for accounting, auditing and billing purposes.

In certain jurisdictions, it may be necessary for us to receive and process your
Sensitive Personal Information to provide respective products and services to
you and/or to financial institutions, corporate clients, merchants, customers
and partners. Such processing of your Sensitive Personal Information will be
protected with adequate security measures and be conducted in a manner so as to
have the lowest possible impact on your personal rights and interests. The
following information may be considered Sensitive Personal Information as
defined by applicable law: personal account number, card expiration date, card
verification code, answers to security questions, security passwords and other
credentials, address or location information (to the extent that it may reveal
your personal tracks), voice and image recordings, electronic identification
data, payment transactions, and biometric information.


2. HOW WE MAY USE YOUR PERSONAL INFORMATION

We May Use Your Personal Information to:

 * Process your payment transactions.
 * Protect against and prevent fraud, and other legal or information security
   risks. For more information, please see our Fraud & Security Notice and our
   MATCH Notice.
 * Provide our Open Banking solutions.
 * Create and manage any accounts you may have with us, verify your identity,
   provide our services, and respond to your inquiries.
 * Provide and communicate with you about products and services offered by
   Mastercard, financial institutions, merchants and partners.
 * Offer and support loyalty programs. For more information, please see our
   Loyalty Notice.
 * Provide you with personalized services and recommendations.
 * Manage our customer, supplier and vendor relationships, including to create
   and publish business directories (which may include business contact
   information).
 * Operate, evaluate and improve our business, including cleansing, preparing,
   and/or anonymizing data for analytics and to develop new products and
   services.
 * Process your job application. For more information, please see the Mastercard
   Applicant Privacy Notice.
 * Develop and improve products and services, detect, and prevent deceptive,
   fraudulent, or illegal activity using techniques such as, machine learning to
   process and analyze data.
 * Enable mergers, acquisitions and/or sale of business or assets. For example,
   if we sell any business or assets or any part of our business or assets is
   acquired by a third-party, we may disclose your personal information relating
   to those business and assets to the prospective buyer or the acquiring
   third-party.
 * Serve other purposes for which we provide specific notice at the time of
   collection, and as otherwise authorized or required by law.
 * Generate anonymized and aggregated data to prepare insights to advise
   Mastercard’s customers and partners regarding spending patterns, fraud and
   other trends.
 * Learn more about you, including your preferences or other characteristics. We
   treat these inferences as Personal Information where required under
   applicable law.

Where required under applicable law, we will only use your Personal Information
with your consent; as necessary to provide you with products and services; to
comply with a legal obligation; or when there is a legitimate and overriding
interest that necessitates the use.

Learn more
 

We may use Personal Information we obtain about you for the purposes set out
below. Depending on the country in which you are located, we will only process
your Personal Information, where permitted under applicable laws, and when we
have a legal basis for the processing as identified in the table below. However,
please note that even though the chart below does not list consent as a legal
basis for each processing activity, in some countries consent is the only or
most appropriate legal basis for the processing of Personal Information, and in
those countries, we rely on consent.

Processing activity





Legal Basis for Processing (where required under applicable law)



 * Process your payment transactions (including authorization, clearing,
   chargebacks and other related dispute resolution activities).

In most cases, we process your payment transactions as a processor on behalf of
your financial institutions, merchants and other partners which act as data
controllers. When we act as a processor, controllers are responsible for
ensuring a legal basis for the processing of your Personal Information. Please
refer to their respective privacy policies for more information regarding the
processing of your Personal Information in these contexts.

In some limited cases (e.g., chargebacks), we may process your payment
transactions as a controller, provided that:

 * You consented to the use of your Personal Information; or
 * The processing is necessary for entering into, or performance of a contract
   to which you are party; or
 * The processing is necessary for compliance with a legal or regulatory
   obligation.

 * Protect against and prevent fraud and cyber threats, unauthorized
   transactions, claims and other liabilities, and manage risk exposure and
   franchise quality with respect to the integrity and security of our payments
   network.

When we process Personal Information for fraud and cyber threat prevention, we
may act as a controller or as a processor. When we act as a controller, we rely
on one of the following legal grounds:

 * You consented to the use of your Personal Information; or
 * The processing is necessary for compliance with a legal or regulatory
   obligation; or
 * The processing is necessary for entering into, or performance of a contract
   to which you are party; or
 * We, or a third party, have a legitimate interest in using your Personal
   Information for the purpose of protecting against fraud, securing our network
   and the payment transactions that we process (including blockchain in
   relation to cryptocurrency).

For more information on our fraud prevention and monitoring activities, please
see our Fraud & Security Notice.

For more information on the Mastercard Alert To Control High-risk Merchants
(MATCH) program, please see our MATCH Notice.

 * Provide our Open Banking solutions, including our connectivity and dispute
   resolution services.

 * You consented to the use of your Personal Information; or
 * The processing is necessary for compliance with a legal or regulatory
   obligation; or
 * The processing is necessary for entering into, or performance of a contract
   to which you are party; or
 * We, or a third party, have a legitimate interest in using your Personal
   Information for such purpose (e.g., detecting fraud risks or resolving
   disputes).

In some cases, we provide our Open Banking solutions as a processor on behalf of
your service provider, merchants and other partners which act as data
controllers. When we act as a processor, controllers are responsible for
ensuring a legal basis for the processing of your Personal Information. Please
refer to their respective privacy policies for more information regarding the
processing of your Personal Information in these contexts.

For more information on our Open Banking activities, please see our Open Banking
Privacy Notice.

 * Create and manage any accounts you may have with us, verify your identity,
   provide our services, and respond to your inquiries.

 * You consented to the use of your Personal Information; or
 * The processing is necessary for entering into, or performance of a contract
   to which you are a party; or
 * The processing is necessary for compliance with a legal or regulatory
   obligation; or
 * We, or a third party, have a legitimate interest in using your Personal
   Information for the purpose of creating and managing accounts and verifying
   your identity, and responding to your inquiries.

 * Provide, administer, and communicate with you about products, services,
   offers, loyalty programs and promotions (including loyalty program operation,
   contests, sweepstakes, donation service program operation, and any other
   marketing activities) of Mastercard, financial institutions, merchants, and
   partners.

 * You consented to the use of your Personal Information; or
 * The processing is necessary for entering into, or performance of a contract
   to which you are party; or
 * We, or a third party, have a legitimate interest in using your Personal
   Information for the purpose of providing you with products and services. For
   more information on our loyalty programs, please see our Loyalty Programs
   Notice. For more information about our donation service program, please see
   our Mastercard Donation Service Privacy Notice.

 * Manage our customer, supplier and vendor relationships, including to create
   and publish business directories (which may include business contact
   information).

 * You consented to the use of your Personal Information; or
 * The processing is necessary for entering into, or performance of a contract
   to which you are a party; or
 * We, or a third party, have a legitimate interest in using your Personal
   Information for the purpose of managing our customer, supplier and vendor
   relationships.

 * Operate, evaluate and improve our business (including developing new products
   and services or cleansing, organizing, and preparing data for permissible
   purposes); determining the effectiveness of and optimizing our advertising;
   analyzing our products, services, websites, mobile apps and any other digital
   assets in order to facilitate their functionality; and analyzing and
   comparing our customers’ approach to spending that have signed up to our
   marketing program (such as Priceless Specials) in order to understand and
   improve the effectiveness of the program.

 * You consented to the use of your Personal Information; or
 * The processing is necessary for entering into, or performance of a contract
   to which you are party; or
 * We, or a third party, have a legitimate interest in using your Personal
   Information for the purposes of operating, evaluating and improving our
   products or services.

 * Performing due diligence reviews, accounting, auditing, billing,
   reconciliation and collection activities.

 * The processing is necessary for compliance with a legal or regulatory
   obligation; or
 * The processing is necessary for entering into, or performance of a contract
   to which you are party; or
 * We, or a third party, have a legitimate interest in using your Personal
   Information for the purposes of performing due diligence, billing,
   reconciliation and collection activities.

 * Provide you with personalized services and recommendations. For example, we
   may use your Personal Information such as your email address and your
   interaction with our website to analyze your preferences, interests and
   behavior in order to decide to provide you with tailored content and the most
   relevant offers, recommendations and email communications about a specific
   product from Mastercard, financial institutions, merchants and partners.

 * You consented to the use of your Personal Information; or
 * The processing is necessary for entering into, or performance of a contract
   to which you are party; or
 * We, or a third party, have a legitimate interest in using your Personal
   Information for the purposes of providing you personalized services and
   recommendations.

 * Anonymize Personal Information and prepare and furnish aggregated data
   reports showing anonymized information (including compilations, analyses,
   analytical and predictive models and rules, and other aggregated reports) for
   the purpose of advising our financial institutions, merchants and other
   customers and partners regarding past and potential future patterns of
   spending, fraud, credit risk, and other insights that may be extracted from
   this data. The Personal Information we anonymize may include payment
   transactions.

 * We, or a third party, have a legitimate interest in using your Personal
   Information for the purposes of anonymizing Personal Information and
   preparing and furnishing aggregated data reports; or
 * The processing is undertaken for statistical and/or research purposes (in
   jurisdictions where this legal ground is available) and training our AI.
 * To the extent we maintain or otherwise process deidentified or anonymized
   information, we will maintain and use the information in deidentified or
   anonymized form and will not attempt to reidentify the information unless
   otherwise permitted by applicable law.

 * Evaluate your interest in employment and contact you regarding possible
   employment with Mastercard.

 * The processing is necessary for entering into, or performance of a contract
   to which you are party; or
 * We, or a third party, have a legitimate interest in using your Personal
   Information for the purposes of evaluating your interest in employment and
   contacting you regarding possible employment; or
 * The processing is necessary for compliance with a legal or regulatory
   obligation. For more information, see the Mastercard Applicant Privacy
   Notice.

 * Enforce our Terms of Use or as necessary to establish, exercise and defend
   legal rights.

 * The processing is necessary for entering into, or performance of a contract
   to which you are party; or
 * The processing is necessary for compliance with a legal or regulatory
   obligation; or
 * We, or a third party, have a legitimate interest in using your Personal
   Information for the purposes of enforcing the Terms of Use and establishing,
   exercising and defending legal rights.

 * As may be required by applicable laws and regulations, including for
   compliance with Know Your Customers, Anti-Money Laundering, anti-corruption
   and sanctions screening requirements, or as requested by any judicial
   process, law enforcement or governmental agency having or claiming
   jurisdiction over Mastercard or Mastercard’s affiliates.

 * The processing is necessary for compliance with a legal or regulatory
   obligation; or
 * We, or a third party, have a legitimate interest in using your Personal
   Information for the purposes of responding to a judicial process, law
   enforcement or governmental agency.

 * Comply with industry standards and our policies.

 * You consented to the use of your Personal Information; or
 * The processing is necessary for compliance with a legal or regulatory
   obligation; or
 * The processing is necessary for entering into, or performance of a contract
   to which you are party; or
 * We, or a third party, have a legitimate interest in using your Personal
   Information for the purposes of complying with industry standards and our
   policies.

 * Develop and improve products and services, detect, and prevent deceptive,
   fraudulent, or illegal activity using techniques such as, machine learning to
   process and analyze data.

You consented to the use of your Personal Information; or The processing is
necessary for compliance with a legal obligation or other regulatory
obligations; or The processing is necessary for entering into, or performance of
a contract to which you are party; or We, or a third party, have a legitimate
interest in using your Personal Information for the purposes of complying with
industry standards and our policies.
 * Enable mergers, acquisitions and/or sale of business or assets. For example,
   if we sell any business or assets or any part of our business or assets is
   acquired by a third-party, we may disclose your personal information relating
   to those business and assets to the prospective buyer or acquiring
   third-party.

The processing is necessary for compliance with a legal obligation or other
regulatory obligations; or The processing is necessary for entering into, or
performance of a contract to which you are party; or We, or a third party, have
a legitimate interest in using your Personal Information for the purposes of
complying with industry standards and our policies.
 * For other purposes for which we provide specific notice at the time of
   collection.

Please consult the Specific Privacy Notice at the time of the collection.


Where required under applicable law, we have carried out balancing tests for the
data processing based on our or a third party’s legitimate interests to ensure
that such legitimate interest is not overridden by your interests, fundamental
rights or freedoms. For more information on our balancing tests, you may contact
us as described in the “How to Contact Us” section below.

We will not subject you to a decision based solely on automated processing that
produces legal effects concerning you or similarly significantly affects you,
unless you explicitly consented to the processing where required under
applicable law, the processing is necessary for entering into, or performance of
a contract between you and Mastercard, or when we are legally required to use
your Personal Information in this way, for example to prevent fraud.

If you provide us with any information or material relating to another
individual, you must make sure that the sharing with us and our further use as
described to you from time to time is in line with applicable laws, so for
example you should duly inform that individual about the processing of her/his
Personal Information and obtain her/his consent, as may be necessary under
applicable laws.

Where the Personal Information we collect from you is needed to meet our legal
or regulatory obligations or enter into an agreement with you, if you do not
provide your Personal Information when requested, we may not be able to provide
(or continue to provide) our products or services to you and you may not be able
to purchase our products you require or fully use our services.


3. HOW WE SHARE YOUR PERSONAL INFORMATION

We May Share Personal Information with:

 * Mastercard’s headquarters in the U.S., our affiliates and other entities
   within Mastercard’s group of companies.
 * Service providers acting on our behalf.
 * Other participants in the payment ecosystem, including financial
   institutions, and merchants.
 * Other participants in the Open Banking ecosystem, including financial
   institutions, merchants and third parties.
 * Third parties for fraud monitoring and prevention purposes, or other purposes
   required by law.
 * Third parties whose feature(s) you use in connection with our products and
   services or with your consent.
 * Other entities as required under applicable law or in the event of a sale or
   transfer of our business or assets.

Learn more
  

Please see the “Data Transfers” section below to understand how we comply with
applicable cross-border data transfer rules.

We may also share your Personal Information:

 * With financial institutions and other entities that issue payment cards or
   merchants to process payment transactions and perform other activities that
   you request.
 * With entities that partner with Mastercard or assist Mastercard in providing
   its products and services, for fraud prevention and monitoring and third
   party identification services, to ensure the security of transactions and our
   payment processing system.
 * With other participants in the Open Banking ecosystem, including financial
   institutions, merchants and other entities of your choice (e.g., your
   investment advisors).
 * When we act as a service provider for third parties and provide them with
   Personal Information that we process on their behalf.
 * With our service providers who perform services on our behalf for the
   purposes described in this Global Privacy Notice (or in the applicable
   program specific privacy notice). We require these service providers by
   contract to only process Personal Information in accordance with our
   instructions and as necessary to perform services on our behalf or in
   compliance with applicable law. We also require them to safeguard the
   security and confidentiality of the Personal Information they process on our
   behalf by implementing appropriate technical and organizational security
   measures and confidentiality obligations binding employees accessing Personal
   Information.
 * With third parties whose features (e.g., third-party cookies, widgets,
   plug-ins) are integrated in our products and services. For further details,
   please consult Section 7 (Features and Links to Other websites) of this
   Global Privacy Notice.
 * With social media networks when you directly engage with those platforms. For
   further details, please consult Section 7 (Features and Links to Other
   Websites) of this Global Privacy Notice.
 * With other third parties with your consent.
 * As required under applicable law or legal process, or to respond to requests
   from law enforcement or governmental agencies. When receiving such requests,
   we will follow the process set out in our Binding Corporate Rules (see
   Section 5 below) where applicable.
 * When we believe disclosure is necessary to protect individuals’ vital
   interests, to enforce our Terms of Use, prevent Mastercard against harm or
   financial loss, or in connection with an investigation of suspected or actual
   fraudulent or illegal activity.
 * In the event we sell or transfer all or a portion of our business or assets.
   Should such a sale or transfer occur, we will use reasonable efforts to
   direct the transferee to use Personal Information you have provided to us in
   a manner that is consistent with our Global Privacy Notice. Following such a
   sale or transfer, you may contact the entity to which we transferred your
   Personal Information with any inquiries concerning the processing of that
   information.

Prior to the transfer or sharing of any Personal Information (including access
to Personal Information), we require appropriate privacy and information
security protections in agreements with third parties. We operate a
comprehensive Third Party Risk Management Program and we perform appropriate due
diligence as part thereof

If you are located in mainland China, you may contact us as specified in the
“How to Contact Us” section below to obtain information regarding the
third-party recipients who act in the capacity of data controllers and with whom
we share your Personal Information. Such sharing will always be conducted to the
extent necessary and will not exceed or alter the purposes and means of
processing that you have originally consented or based on a non-consent legal
basis.


4. YOUR RIGHTS AND CHOICES

Depending on your country, you may have the right or choice to:

 * Opt out of some collection or uses of your Personal Information, including
   the use of cookies and similar technologies, the use of your Personal
   Information for marketing purposes, the preparation of transaction data for
   real-time services that your bank or another party may offer you, and the
   anonymization of your Personal Information for data analyses.
 * Access your Personal Information, obtain a copy of it, rectify it, restrict
   or object to its processing, or request its deletion, destruction or
   anonymization.
 * Receive the Personal Information you provided to us to transmit it to another
   company.
 * Withdraw any consent provided.
 * Where applicable, lodge a complaint with your relevant supervisory authority
   or regulator.

You, or a party authorized to act on your behalf, can exercise your rights on
Mastercard’s “My Data” portal or by submitting a request as described in the
“How to Contact Us” section below.

If you reside in the United States, you may have additional rights as described
in our U.S. Privacy Addendum.

Learn more
  

You may have certain rights regarding the Personal Information we maintain about
you and certain choices about what Personal Information we collect from you, how
we use it, and how we communicate with you.

We will not deny, charge different prices for, or provide a different level of
quality of goods or services if you choose to exercise these rights, except
where the different price or level of quality of good or service is reasonably
related to the value of the data that we receive from you. In some instances, we
may not be able to provide you with the good or service that you request if you
choose to exercise certain rights.

You can choose:

 * Not to provide Personal Information to Mastercard by refraining from
   conducting payment transactions or from submitting Personal Information
   directly to us. When we collect Personal Information from you, we indicate
   whether and why it is necessary to provide it to us, as well as the
   consequences of failing to do so. If you do not provide Personal Information,
   you may not be able to benefit from the full range of Mastercard products and
   services, and we may not be able to provide you with the Mastercard products
   or services if that information is necessary to provide you with them, or if
   we are legally required to collect it in relation to the provision of such
   product or service.
 * To opt out of the collection and use of certain information, which we collect
   about you by automated means, when you visit our websites or use our apps. In
   certain jurisdictions, you can exercise your choice regarding the use of
   cookies and similar technologies by clicking on the ‘Manage cookies’ banner
   displayed in the bottom right corner of Mastercard websites. Your browser may
   tell you how to be notified of and opt out of having certain types of cookies
   placed on your device. Note that without certain cookies you may not be able
   to use all of the features of our websites, apps or online services.
 * To opt out of certain uses of information, which we collect about you by
   automated means, when you visit third-party websites and interact with our
   ads. We may use service providers to serve ads on those third-party websites.
   These ads may be customized and served based on the use of data we and our
   partners have collected on our websites and apps. In addition, some of our
   service providers and partners may collect information about your online
   activities over time and across third-party websites to customize and serve
   these ads. Mastercard ads are sometimes delivered with icons that help
   consumers (i) learn more about how their data is being used and (ii) exercise
   choices they may have regarding the use of their data. Please click where
   applicable, on the icon in our targeted ads to learn about your ability to
   opt out or limit the use of your browsing behavior for advertising purposes.
   You may also exercise your choice regarding the use of cookies and similar
   technologies by clicking on the ‘Manage cookies’ banner displayed in the
   bottom right corner of our websites.
 * To tell us not to send you marketing emails by clicking on the unsubscribe
   link within the marketing emails you receive from us or by contacting us as
   indicated below. You also may opt out of receiving marketing emails from
   Mastercard by clicking here.
 * To opt out of the anonymization of your Personal Information to perform data
   analyses by clicking here.

Depending on the country in which you are located, you may have the right to:

 * Request access to and receive information about the Personal Information we
   maintain about you, to update and correct inaccuracies in your Personal
   Information, to restrict or to object to the processing of your Personal
   Information, to have the information anonymized, destroyed or deleted, as
   appropriate, or to exercise your right to data portability to easily transfer
   your Personal Information to another company. In addition, you may also have
   the right to lodge a complaint with the relevant supervisory authority or
   regulator, including in your country of residence, place of work or where an
   incident took place.
 * Withdraw any consent you previously provided to us regarding the processing
   of your Personal Information, at any time and free of charge. We will apply
   your preferences going forward and this will not affect the lawfulness of the
   processing before your consent withdrawal.

If you reside in the United States, you may have additional rights as described
in our U.S. Privacy Addendum.

For information on the number of privacy requests Mastercard processed pursuant
to privacy laws globally, please review the “My Data Report” section of the “My
Data” portal.

You may opt out from certain processing of your Personal Information, e.g., via
our opt-out webpage.

Note that this list may not be exhaustive, which means that you may have
additional rights in accordance with your local laws. In addition, the above
rights may be limited in some circumstances by local law requirements.

To update your preferences, ask us to remove your information from our mailing
lists or submit a request to exercise your rights under applicable law, contact
us as specified in the "How To Contact Us" section below.

We have developed Mastercard’s “My Data” portal to facilitate the exercise of
your rights. You, or a party authorized to act on your behalf, can exercise your
rights on Mastercard’s “My Data” portal or by submitting a request as described
in the “How To Contact Us" section below.

If we fall short of your expectations in processing your Personal Information or
you wish to make a complaint about our privacy practices, please tell us because
it gives us an opportunity to fix the problem. To assist us in responding to
your request, please give full details of the issue. We attempt to review and
respond to all complaints within a reasonable time and as required under
applicable law.

To learn more about the APEC Certification and access Dispute Resolution, please
click on the TRUSTe seal.


5. DATA TRANSFERS

Mastercard is a global business. We may transfer your Personal Information to
the United States and other countries which may not have the same data
protection laws as the country in which you initially provided the information,
but we will protect your Personal Information in accordance with this Global
Privacy Notice, or as otherwise disclosed to you.

We comply with applicable legal requirements when transferring Personal
Information to countries other than the country where you are located. If you
are located in the EEA, the UK or Switzerland, we will transfer your Personal
Information in accordance with adequacy decisions, Binding Corporate Rules,
standard contractual clauses, and other data transfer mechanisms.

See list of countries for which the European Commission has issued an adequacy
decision here;

See list of countries for which the UK government has issued an adequacy
decision here;

See list of countries for which the Swiss Federal Council has issued an adequacy
decision here

Mastercard’s privacy practices, described in this Global Privacy Notice, comply
with the APEC Cross Border Privacy Rules System. The APEC CBPR system provides a
framework for organizations to ensure protection of Personal Information
transferred among participating APEC economies. More information about the APEC
framework can be found here.

Learn more
 

Mastercard is a global business. We may transfer the Personal Information we
collect about you to recipients in countries other than your country, including
the United States, where we are headquartered. These countries may not have the
same data protection laws as the country in which you initially provided the
information. When we transfer your Personal Information to other countries, we
will protect that information as described in this Global Privacy Notice, as
disclosed to you at the time of data collection or as described in our
program-specific privacy notice.

We comply with applicable legal requirements, including obtaining consent where
required, when transferring Personal Information to countries other than the
country where you are located. In particular, we have established and
implemented Binding Corporate Rules (“BCRs”) that have been recognized by EEA
data protection authorities as providing an adequate level of protection to the
Personal Information we process globally. A copy of our EEA BCRs is available
here. We equally rely on UK BCRs to transfer Personal Information outside of the
United Kingdom. A copy of our UK BCRs is available here.

We may also transfer Personal Information to countries for which adequacy
decisions have been issued (see list of countries for which the European
Commission has issued an adequacy decision here; see list of countries which the
Swiss Federal Council has determined to provide for adequate data protection
legislation here), use contractual protections for the transfer of Personal
Information to third parties, such as the European Commission’s Standard
Contractual Clauses or their equivalent under applicable law, or rely on other
data transfer mechanisms where applicable. Depending on your country, you may
contact us as specified in the “How to Contact Us” section below to obtain a
copy of the safeguards we use to transfer Personal Information outside of your
jurisdiction.

Additionally, Mastercard’s privacy practices, described in this Global Privacy
Notice, comply with the APEC Cross Border Privacy Rules System. The APEC CBPR
system provides a framework for organizations to ensure protection of Personal
Information transferred among participating APEC economies. More information
about the APEC framework can be found here.

If you are located in mainland China, you understand that we may transfer the
Personal Information we collect about you to recipients in countries or regions
other than mainland China, including Mastercard International Incorporated in
the United States, Mastercard Asia/Pacific Pte. Limited in Singapore and to
other affiliates as listed here. When we conduct international transfers of
Personal Information, we will always ensure to comply with requirements
stipulated under applicable laws.


6. HOW WE PROTECT YOUR PERSONAL INFORMATION

We maintain appropriate security safeguards to protect your Personal Information
and only retain it for a limited period of time.

Learn more
  

The security of your Personal Information is important to Mastercard. We are
committed to protecting the information we collect. We maintain reasonable
administrative, technical and physical safeguards designed to protect the
Personal Information you provide or we collect against accidental, unlawful or
unauthorized destruction, loss, alteration, access, disclosure or use. We use
SSL encryption on a number of our websites from which we transfer certain
Personal Information.

In the event of a breach of our security safeguards, we will assess the extent
of harm (if any) to individuals, and comply with reporting and notification
obligations in accordance with the applicable law.

We also take measures to delete your Personal Information or keep it in a form
that does not permit identifying you when this information is no longer
necessary for the purposes for which we process it, unless we are required by
law to keep this information for a longer period. When determining the retention
period, we take into account various criteria, such as the type of products and
services requested by or provided to you, the nature and length of our
relationship with you, possible re-enrolment with our products or services, the
impact on the services we provide to you if we delete some information from or
about you, mandatory retention periods provided by law and the statute of
limitations.


7. FEATURES AND LINKS TO OTHER WEBSITES

Our websites may include links to other third-party websites, social media
tools, widgets or plug-ins, permitting sharing web content including IP address,
with third parties and social media providers. These social media providers may
learn of your visit even if you are not logged in to your social media account
or if you do not have an account with them. To the extent any linked websites or
features you visit or use are not owned or controlled by Mastercard, we suggest
that you review their own privacy notices or policies.

Learn more

Our websites may provide links to other websites for your convenience and
information. Our website may also contain certain features for which we partner
with other entities. These entities may learn of your visit regardless of
whether you use these features. These websites and features, which may include
social networking and geo-location tools, operate independently from Mastercard,
and are clearly identified as such. To the extent any linked websites or
features you visit or use are not owned or controlled by Mastercard, we suggest
that you review the privacy practices of the websites.

Mastercard offers you the possibility to share, link to, or mention things on
social media about Mastercard’s products and services. For example, you may
“like” an offer via your Facebook account, or “tweet” an offer using Twitter.
When you visit a website with a social media button, your browser establishes a
direct connection to that social media provider, and data concerning your visit,
including IP address, is transferred to the social media provider. If you have
an account with the social media provider, the provider may link your visit to
your account, even if you are not logged into this account.

You may also choose to use certain features on our websites that can be accessed
through, or for which we partner with, other entities that are not otherwise
affiliated with Mastercard. These features, including geo-location tools, are
operated by third parties and are clearly identified as such. Social media
providers such as Facebook and Twitter, and these other third parties, are
independent from Mastercard and do not necessarily share the same policy as
Mastercard regarding the protection of privacy. Please review their privacy
notices if you decide to use their services and consult your social media
account settings if you want to deactivate certain features.


8. CHILDREN’S PRIVACY

Mastercard products and services are not directed to, likely to be accessed by,
or intended for, children under the age of 16 or 18, in accordance with
applicable law.

Learn more

Mastercard products and services are not directed to, likely to be accessed by,
or intended for children. However, Mastercard may process Personal Information
about children below 16 or 18 years of age with the parent or guardian’s
consent, and with the child’s consent where required, or based on another legal
basis in accordance with applicable law. If you learn that Mastercard is
processing children’s Personal Information in violation of this Privacy Notice,
then you may alert us at privacyanddataprotection@mastercard.com.


9. UPDATES TO THIS GLOBAL PRIVACY NOTICE

This Global Privacy Notice may be updated periodically to reflect changes in our
privacy practices.

Learn more

This Global Privacy Notice may be updated periodically to reflect changes in our
Personal Information practices. We will post a prominent notice on relevant
websites to notify you of any significant or material changes to our Global
Privacy Notice prior to them being effective and indicate at the top of the
Notice when it was most recently updated. If we update our Global Privacy
Notice, in certain circumstances, we may seek your consent.


10. HOW TO CONTACT US

You can e-mail our Global Privacy Office at
privacyanddataprotection@mastercard.com. You may also submit a request to
exercise your rights to your Personal Information on Mastercard’s “My Data”
portal or by emailing us at: privacyanddataprotection@mastercard.com.

Learn more

If you have any questions, comments or complaints about this Global Privacy
Notice and our privacy practices, or would like to update your privacy
preferences, please email us at: privacyanddataprotection@mastercard.com or
write to us at:

Global Privacy Office
Mastercard International Incorporated
2000 Purchase Street
Purchase, New York 10577
USA

If you reside in a state in the United States which recognizes privacy rights
under law, you may exercise your rights under applicable privacy law by
submitting your request on Mastercard’s “My Data” portal, email us at:
privacyanddataprotection@mastercard.com, or call our toll-free number:
1-833-244-4084. For more information on exercising these rights, please see our
US Privacy Addendum.

If you are located in Quebec, Canada, you may contact our Data Protection
Officer at privacyanddataprotection@mastercard.com. For inquiries about your
Mastercard card and your purchase, you should contact your financial institution
or merchant. More information about how to contact them can be found on their
respective websites.

If you are located in the EEA, the UK or Switzerland, Mastercard Europe SA is
the entity responsible for the processing of your Personal Information (or data
controller). You may submit your request to exercise your rights to your
Personal Information on Mastercard’s “My Data” portal, or email us at:
privacyanddataprotection@mastercard.com, or write to us at:

Europe Data Protection Officer
Mastercard Europe SA
Chaussée de Tervuren 198A
B-1410 Waterloo
Belgium

If you are located in Brazil, Mastercard Brasil Soluções de Pagamento Ltda. is
the entity responsible for the processing of your Personal Information. You may
submit your request to exercise your rights to your Personal Information on
Mastercard’s “My Data” portal, or email us at:
privacyanddataprotection@mastercard.com or write to us at:

Brazil Data Protection Officer
Mastercard Brasil Soluções de Pagamento Ltda.
Avenida das Nações Unidas, 14.171, 20º andar, Crystal Tower
São Paulo/SP
Brasil
CEP 04794-000

If you are located in Asia Pacific (excluding mainland China), Middle East or
Africa, Mastercard Asia Pacific Pte. Ltd. is the entity responsible for the
processing of your Personal Information. You may submit your request to exercise
your rights to your Personal Information by emailing us at:
privacyanddataprotection@mastercard.com, calling our toll-free number listed
here or write to us at:

Asia Pacific, Middle East and Africa Data Protection Officer
Mastercard Asia/Pacific Pte Ltd
3 Fraser Street, DUO Tower, Level 17
Singapore 189352

If you are located in South Africa, you may also send your complaint to the
South African Information Regulator at the following:

Email: complaints.IR@justice.gov.za
Post: PO Box 31533, Braamfontein, Johannesburg, 2017
Website: https://www.justice.gov.za/inforeg/

If you are located in mainland China, Mastercard Shanghai Business Consulting
Ltd. is the entity responsible for the processing of your Personal Information.
You may submit your request to exercise your rights to your Personal Information
by emailing us at: privacyanddataprotection@mastercard.com or writing to us at:

China Data Protection Officer
Room 2907-14, Part of 29/F Tower 2
Shanghai IFC, 8 Century Avenue
China (Shanghai) Pilot Free Trade Zone

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