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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
11. US Privacy Addendum
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.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
11. U.S. PRIVACY ADDENDUM
If you reside in the United States, this U.S. Privacy Addendum supplements the
information above for certain states, as indicated in this Section 11.
LAST UPDATED: August 10, 2023
Application
This U.S. Privacy Addendum supplements the information contained in the Global
Privacy Notice. This U.S. Privacy Addendum applies to residents in the United
States whose states have passed state specific privacy laws.
Additional Disclosures for California Residents
If you are a California resident from whom we collect Personal Information as a
business under the California Consumer Privacy Act of 2018 (as amended by the
California Privacy Rights Act of 2020) (“CCPA”), you may rely on the Global
Privacy Notice and the additional information below.
If you are a job applicant who is a California resident, please see the
Mastercard Applicant Privacy Notice for further information.
For the purpose of this section for California residents, “Personal Information”
means information that identifies, relates to, describes, is reasonably capable
of being associated with, or could reasonably be linked, directly or indirectly,
with a particular consumer or household, or as otherwise defined by the CCPA.
Personal Information does not include information that is publicly available,
deidentified, or aggregated (as those terms are defined in the CCPA) or
otherwise excluded from the scope of the CCPA.
1. Categories of Personal Information about you that we Collect and Disclose
The following is a list of categories of Personal Information (as defined by
the CCPA) we have collected and disclosed for a business purpose.
A. Identifiers. Examples: Personal and business contact information (e.g.,
name, postal address, telephone number, job title), date of birth, unique
personal identifiers or numbers, online identifier, device identifier(s),
internet protocol address, email address, account name, authentication
information, and similar identifiers. We may collect this information about
other people if you give us their information. We may also associate
information that you submit to us, such as articles, comments, or content on
our social media pages, with your identifiers.
B. Categories of Personal Information in Cal. Civ. Code Section 1798.80(e).
Examples: Name, address, telephone number, email address, and IP address.
C. Characteristics of Protected Classifications under California or Federal
Law. Examples: Gender, family status, age range, and military and veteran
status.
D. Commercial Information. Examples: Information we create or retain that
are fundamental to our business, e.g. records of personal property;
transaction information, such as date and time of transaction, or a
transaction ID provided by a customer, personal account number, the
merchant’s name and location, 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 product version,
registration and payment information, and program-specific information, when
you request products or services directly from us, or participate in
marketing programs; preferences that we infer about you based on products or
services purchased, obtained, or considered, or other purchasing or
consuming histories or tendencies; accrued total of points or rewards and
points or rewards redemption history.
E. Biometric Information. Examples: Behavioral characteristics, that can be
used, singly or in combination with each other or with other identifying
data, to establish individual identity, such as keystroke timing, device
accelerometer, scroll position, and mouse location.
F. Internet or Other Electronic Network Activity Information. Examples:
Cookie and web beacon data, IP address, browser type, operating system,
mobile device identifier, referring URLs, pages viewed and actions you take
on our online properties and apps, and behavioral-based data or biometric
information, such as keystroke timing, device accelerometer, scroll
position, and mouse location.
G. Geolocation Data. Example: Your city, state or country or your IP
address.
H. Sensory Information. Examples: Photographs, audio recordings (including
call recordings for customer service purposes), and video recordings.
I. Professional or Employment-Related Information. Examples: Professional
information such as job title, department, and name of organization.
Additionally, information you provide as part of your job application or in
the course of your employment with Mastercard, e.g., contact information and
employment history. Please see the Mastercard Applicant Privacy Notice for
further information.
K. Inferences Drawn from Personal Information. Examples: Personal
characteristics, life habits, consumption habits, and interests.
L. Sensitive Personal Information. Examples: Biometric information, as
described in more detail above in E, for fraud and security prevention. (We
note, however, that we do not use or disclose sensitive personal information
for purposes which would require us to offer consumers the right to limit
our collection and processing of this data under the CCPA).
2. Sources of Collection of Personal Information
We have collected Personal Information from the following categories of
sources:
* You/Your Devices: You or your devices directly.
* Affiliates.
* Analytics Providers.
* Users: Other users of our services.
* ISPs: Internet service providers.
* Government: Government entities.
* Advertising Networks.
* Social Networks.
* OS/Platform Provider: Operating systems and platforms.
* Partners: Business partners.
* Public: Publicly accessible sources.
3. Use of your Personal Information
We collect, use, and disclose your Personal Information in accordance with
the specific business and commercial purposes below:
* Providing Services: Providing our services.
* Communicating: Communicating with you, providing you with updates and
other information relating to our services and products, providing
information that you request, responding to comments and questions, and
otherwise providing customer support.
* Connecting Third Party Services: Facilitating the connection of
third-party services or applications.
* Marketing: Marketing purposes, such as developing and providing
promotional and advertising materials that may be useful, relevant,
valuable, or otherwise of interest to you.
* Personalization: Personalizing your experience on our services, such as
presenting tailored content.
* Sending Messages: Sending you personalized text messages as requested on
our Talent Community. Please see Talent Community Privacy Notice for
further information.
* Facilitating Payments: Facilitating transactions and payments.
* Deidentification and Aggregation: Deidentifying and aggregating
information collected through our services and using it for lawful
purposes.
* Job Applications: Processing your job application.
* Safety Issues: Responding to trust and safety issues that may arise.
* Compliance: For compliance purposes, including enforcing our Terms of Use
or other legal rights, or as may be required by applicable laws and
regulations or requested by any judicial process or governmental agency.
* Loyalty Program Operation: Offering and supporting loyalty programs that
allow you to earn points, cashback rewards, prize draw entries, or other
benefits for purchases made with your eligible Mastercard card.
* Auditing Interactions: Auditing related to your interaction with our
services and concurrent transactions, including, but not limited to,
counting ad impressions to unique visitors, verifying positioning and
quality of ad impressions, and auditing compliance with other standards.
* Fraud and Incident Prevention: Detecting security incidents, protecting
against malicious, deceptive, fraudulent, or illegal activity, and
prosecuting those responsible for that activity.
* Debugging: Debugging to identify and repair errors that impair existing
intended functionality.
* Transient Use: Short-term, transient use.
* Contracting Vendors: Contracting with vendors and service providers to
perform services on our behalf or on their behalf, including maintaining
or servicing accounts, providing customer service, processing, or
fulfilling orders and transactions, verifying customer information,
processing payments, providing advertising or marketing services,
providing analytics services, or providing similar services on behalf of
Mastercard’s clients.
* Research: Undertaking internal research for technological development and
demonstration.
* Improving Our Services: Undertaking activities to verify or maintain the
quality or safety of our services, and to improve, upgrade, or enhance our
services.
* Enabling Transactions: Otherwise enabling or effecting, directly or
indirectly, a commercial transaction.
* Notified Purpose: For other purposes for which we provide specific notice
at the time the information is collected.
4. Disclosure of your Personal Information to Third Parties
With respect to the categories of Personal Information identified above in
Section 1, we disclose your Personal Information to the following categories
of third parties:
* Advertising Providers: Advertising technology companies, such as
advertising networks. We disclose your Personal Information to Advertising
Providers only with your consent. Personal Information we disclose:
Identifiers; Internet or Other Electronic Network Activity; Geolocation
Data.
* Analytics Providers: Companies that help us analyze and improve our online
properties. We disclose your Personal Information to Analytics Providers
only at your direction and only with your consent. Personal Information we
disclose: Identifiers; Internet or Other Electronic Network Activity;
Geolocation Data.
* OS/Platform Providers: Operating systems and platforms. Personal
Information we share: Identifiers; Internet or Other Electronic Network
Activity Information; Geolocation Data.
* Resellers: Consumer data brokers. Personal Information we disclose:
Identifiers; Categories of Personal Information in Cal. Civ. Code Section
1798.80(e); Characteristics of Protected Classifications under California
or Federal Law; Geolocation Data; Inferences Drawn from Personal
Information.
* Affiliates. Personal Information we disclose: Identifiers; Categories of
Personal Information in Cal. Civ. Code Section 1798.80(e); Characteristics
of Protected Classifications under California or Federal Law; Commercial
Information; Internet or Other Electronic Network Activity Information;
Geolocation Data; Inferences Drawn from Personal Information.
* Vendors: Vendors and service providers. Personal Information we disclose:
Identifiers; Categories of Personal Information in Cal. Civ. Code Section
1798.80(e); Characteristics of Protected Classifications under California
or Federal Law; Commercial Information; Internet or Other Electronic
Network Activity Information; Geolocation Data; Inferences Drawn from
Personal Information.
* Integrated Third Parties: Third parties integrated into our services.
Personal Information we disclose: Identifiers; Internet or Other
Electronic Network Activity; Geolocation Data.
* Third Parties as Legally Required: Third parties as required by law and
similar disclosures. Personal Information we disclose: Identifiers;
Categories of Personal Information in Cal. Civ. Code Section 1798.80(e);
Characteristics of Protected Classifications under California or Federal
Law; Commercial Information; Internet or Other Electronic Network Activity
Information; Geolocation Data; Inferences Drawn from Personal Information.
* Third Parties in Merger/Acquisition: Third parties in connection with a
merger, sale, or asset transfer. Personal Information we disclose:
Identifiers; Categories of Personal Information in Cal. Civ. Code Section
1798.80(e); Characteristics of Protected Classifications under California
or Federal Law; Commercial Information; Internet or Other Electronic
Network Activity Information; Geolocation Data; Inferences Drawn from
Personal Information.
* Third Parties with Consent or Direction: Other third parties for whom we
have obtained your direction or permission to disclose your Personal
Information. Personal Information we may disclose: Identifiers; Commercial
Information.
* Financial Institution(s) (e.g., banks that issued your Mastercard card) or
Merchants: To the extent necessary for Mastercard to offer promotions,
offers, benefits, campaigns, and other loyalty-related initiatives and to
perform related activities for our customers. Personal Information we
disclose: Identifiers; Categories of Personal Information in Cal. Civ.
Code Section 1798.80(e); Commercial Information; Internet or Other
Electronic Network Activity Information; Geolocation Data; Inferences
Drawn from Personal Information.
We do not use or disclose sensitive personal information for purposes which
would require us to offer consumers the right to limit under the CCPA.
5. Collection and Sale of your Personal Information to Other Parties
We sell your Personal Information. However, we only sell your Personal
Information for fraud prevention and identity verification purposes, as
detailed further below.
With respect to Personal Information that we sell, we have collected
information from Resellers (consumer data brokers).
We do not “share” Personal Information with third parties for “cross-context
behavioral advertising” (“CCBA”).
The following is a list of categories of Personal Information (as defined by
the CCPA) we have sold.
A. Identifiers. Examples: Personal and business contact information (e.g.,
name, postal address, telephone number), internet protocol address, and
email address. We may collect this information about other people if you
give us their information.
B. Categories of Personal Information in Cal. Civ. Code Section 1798.80(e).
Examples: Name, postal address(es), telephone number, email address, and IP
address.
C. Characteristics of Protected Classifications under California or Federal
Law. Examples: Age range, e.g., 35-39 years of age.
E. Geolocation Data. Example: Your city, state or country, or your IP
address.
F. Associated People. Example: Household members, i.e., people with the same
current address.
G. Contact Information Metadata. Examples: Mobile phone carrier name, mobile
phone carrier line type, mobile phone number subscriber name, and email
address registered owner name.
H. Device Information. Examples: Browser, ISP carrier, and platform.
With respect to the categories of Personal Information identified above, we
have sold Personal Information to our Customers, who use our identity
verification and fraud prevention products. We share the following
categories of Personal Information to our Customers for this purpose:
Identifiers; Categories of Personal Information in Cal. Civ. Code Section
1798.80(e); Characteristics of Protected Classifications under California or
Federal Law; Internet or Other Electronic Network Activity Information; and
Geolocation Data.
We do not have actual knowledge that we sell Personal Information of
consumers under 16 years of age or that we share Personal Information of
consumers under 16 years of age for CCBA.
6. Retention
We 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. Your Privacy Rights
If you are a California resident, you may exercise the following rights.
Right to Know and Access. You may submit a verifiable request for
information regarding the: (1) categories of Personal Information collected,
sold, shared with third parties for CCPA, or disclosed by us; (2) purposes
for which categories of Personal Information are collected, sold, or shared
with third parties for CCBA by us; (3) categories of sources from which we
collect Personal Information; (4) categories of third parties with whom we
disclosed Personal Information; and (5) specific pieces of Personal
Information we have collected about you.
Right to Delete. Subject to certain exceptions, you may submit a verifiable
request that we delete Personal Information about you that we have collected
from you. We maintain a record of such request as required by the CCPA.
Right to Correct. You have the right to correct inaccurate Personal
Information that we maintain about you.
Verification. Requests for access, deletion, or correction of Personal
Information are subject to our ability to reasonably verify your identity in
light of the information requested pursuant to relevant CCPA requirements,
limitations, and regulations. Mastercard is committed to secure personal
information. When consumers exercise their privacy rights through the My
Data portal, a two-step verification will enable their account to be guarded
by an extra layer of security. In addition to their email, name, and
surname, we require additional verification through the second factor of
authentication that they have chosen (mobile one-time passcode or security
answer) during registration. Before disclosing information, we also ask
consumers to respond to specific questions about the products they use and
that are in scope of their privacy request. Similarly, when consumers reach
out to Mastercard via email, we verify their identity by using their contact
information (email, name, and surname) and specific questions about the
products they use.
Right to Opt Out. In some circumstances, you may opt out of the sale of
Personal Information.
Right to Equal Service and Price. You have the right not to receive
discriminatory treatment for the exercise of your CCPA privacy rights,
subject to certain limitations. We will not deny, charge different prices
for, or provide a different level of quality of goods or services if you
choose to exercise your 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.
Submit Requests.
To exercise your rights under the CCPA (other than the right to opt out of
the sale of your Personal Information), please submit your request on
Mastercard’s “My Data” portal, email us at
privacyanddataprotection@mastercard.com, or call our toll-free number:
1-833-244-4084.
To opt out of the sale of your Personal Information under the CCPA, and to
exercise your rights under the CCPA with respect to your Personal
Information processed by Ekata, Inc. (a Mastercard affiliate), please submit
your request on Ekata’s website at
https://privacyrequests.ekata.com/hc/en-us/requests/new, email us at
ccpa@ekata.com, or call our toll-free number at +1 (855) 927-1072.
Authorizing an Agent. If you are acting as an authorized agent to make a
request to know, delete, correct, or opt out on behalf of a California
resident, you may submit a request on Mastercard’s “My Data” portal, email
us at privacyanddataprotection@mastercard.com, or call our toll-free number:
1-833-244-4084. Please note that we will require you to attach a written
authorization signed by the resident whose Personal Information will be
subject to the request.
8. CCPA Metrics
Each calendar year, we compile various metrics describing how we have
complied with requests to delete, access, correct, and opt-out of sale or
sharing. To view these metrics please visit the “My Data” portal.
Additional disclosures for U.S. residents, other than California Residents
If you are a U.S. resident from whom we collect Personal Data as a controller,
you may have certain rights under an applicable U.S. state privacy law. You may
rely on the disclosures in the Global Privacy Notice regarding how we collect,
use, and disclose your personal information as well as the choices you can make
related to your personal information.
Collection and Sale of your Personal Information to Other Parties
We sell your Personal Information. However, we only sell your Personal
Information for fraud prevention and identity verification purposes. With
respect to Personal Information that we sell, we have collected such Personal
Information from Resellers (consumer data brokers).
We do not “share” Personal Information with third parties for targeted
advertising.
Your Rights and Choices
In addition to the rights identified in Section 4 (“Your Rights and Choices”)
above, you may have the right to opt out of the processing of the personal
information for purposes of (i) targeted advertising, (ii) the sale of personal
information, or (iii) profiling in furtherance of decisions that produce legal
or similarly significant effects concerning you and the right to appeal a
decision we make with respect to your privacy rights.
You (or, where permitted by law, your authorized agent) can exercise your rights
on Mastercard’s “My Data” portal or by submitting a request as described in
Section 7 (“Authorizing an Agent”) of the Additional Disclosures for California
Residents above.
In addition, you may exercise your right to opt out of the sale of Personal Data
processed by Ekata, Inc. (a Mastercard affiliate) by submitting your request on
Ekata’s website at https://privacyrequests.ekata.com/hc/en-us/requests/new,
emailing us at ccpa@ekata.com, or calling our toll-free number at +1 (855)
927-1072.
Please refer to Section 7 of the Additional Disclosures for California Residents
above for more information on exercises these rights.
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