We may collect, directly or through our service providers and partners, certain information about you via automated means such as cookies, scripts and web beacons when you interact with the Services, visit our websites or ads, pages or other digital assets. If you are based in the European Economic Area (EEA) or another country which requires express consent for the use of certain kinds of cookies and of similar technologies and/or of information obtained by the use of cookies or similar technologies, we will comply with such consent requirements.

Here are some examples of information that is collected via our websites and a description of how this information is used.

• A “cookie” is a text file placed on a computer’s hard drive by a web server. A “script” is an automated series of programmatic instructions carried out by your browser. 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.

The information we may collect in this manner insofar as permitted by applicable law may include: IP address, browser type, operating system type and version number, device identifiers, screen resolution and color depth, time zone settings, geographical area, referring URLs, browser extensions and plug-ins installed in the browser and versions thereof, fonts installed on your device and other similar data. It may also include information on actions taken or interaction with our digital assets, such as pages or screens you viewed, how long you spent on a page or screen, navigation paths between pages or screens, information about your activity on a page or screen, such as information about your mouse movements, scrolling, and keystrokes, and, if applicable, information from your device accelerometer, access times, and length of access. Insofar as permitted by the applicable law, we may collect this type of information over time and across third-party websites and mobile applications that are involved in your use of the Services. We use this information for a variety of purposes, including to improve our products and services, for fraud prevention and to protect against unauthorized transactions, as further explained in the Fraud & Security Notice and in the “How We May Use Your Personal Information” section below.

• When we send emails in connection with the Services, we may track activity, such as whether the email was opened, the amount of time spent reading the email, and whether any links were clicked. We do that to measure the performance of our emails and to improve our features. To do this, we include single pixel GIFs, also called web beacons, in emails we send. Web beacons allow us to collect information about whether an email has been opened and the number of clicks inside that email. We use the data from those web beacons to create reports about how our email campaign performed and what actions individuals took within the email (e.g. links clicked). We will not undertake such activities without your consent where such consent is required under applicable law. If you do not wish for us to track emails we send you, some email services allow you to adjust your display to turn off HTML or disable download of images which should effectively disable our email tracking.

We may use third-party web analytics services, on our websites. The analytics providers that administer these services use technologies such as cookies and web beacons to help us analyze how visitors use our websites.

• You may see certain ads on other websites because we (and our partners) use data collected via the Services to customize advertisements to you on third-party websites. This collection and use allow us to target our messaging to users through demographic, interest-based and contextual means. In connection with providing you customized advertisements, third parties on our websites may track your online activities over time and across third-party websites by collecting information through automated means, including through the use of cookies, web server logs and web beacons. We will not undertake such activities without your consent where such consent is required under applicable law.

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

We may use Personal Information we obtain about you for the purposes set below. Depending on the country in which you are located, we will only process your Personal Information in accordance with applicable law and with transparency and fairness when we have a legal basis for processing as listed below:

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, 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.

We may also share Personal Information with the following parties, in each case always only in accordance with applicable data protection laws, including obtaining your consent where required under law:

• Our headquarters in the U.S., our affiliates and other entities within Mastercard’s group of companies as well as our service providers, who perform services on our behalf for the purposes described in this 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 by implementing appropriate technical and organizational security measures.
• Merchants and their service providers, including to perform and/or facilitate payment card transactions, to ensure the safety and security of those transactions (including card fraud detection and prevention), to resolve disputes, to provide customer service, usage analysis and reporting, to facilitate the personalization of your shopping experience and to enable faster check-outs, and otherwise to provide the Services that you request.
• Merchant or other third-party site(s) that may allow that party to retrieve and store information from your Click to Pay Profile, or to connect with Mastercard to receive certain Payment Information (e.g., Card number or a token, and the expiration date), or to validate or receive other Payment Information stored in your Click to Pay Profile. This may take place either in connection with or independent of any Click to Pay payment transaction.
  • In these instances, the third parties’ access to and usage of such information is subject to your agreement and use of their site and the third party’s privacy notice will govern its usage of your information. We recommend that you review their privacy notice to understand how they use your data and your rights with respect to data they collect and process.
• Other Click to Pay participants, including third-party payment services companies, in connection with your checkout, experience and payment processing. For example, with entities that provide:
• integration services which deliver the Click to Pay checkout experience on a merchant’s site.
• seamless orchestration of the technical activities between participants in order to offer payment options and to facilitate a feature or complete a transaction you requested
• storage and retrieval functionality for your payment credentials.
• Third parties for purposes of identity or account verification, fraud detection or as may otherwise be required by applicable law such as identity verification services and other related service providers, data aggregators, government entities, utilities, public records, credit bureaus, telecom providers, property files and watch lists.
• Third parties, for compliance, fraud prevention, and safety purposes, including when required under applicable law or legal process, as evidence in litigation in which we are involved or when we believe disclosure is necessary to protect individuals’ personal safety and vital interests, to enforce our terms and conditions, prevent Mastercard against harm or financial loss, or in connection with an investigation of suspected or actual fraudulent or illegal activity.
• Government authorities or law enforcement officials as required by law or for administrative purposes and to the extent that applicable law allows and/or requires this: (i) to comply with the law, legal actions or lawful request of the authorities or (ii) in the good faith belief that such action is necessary in order to conform to the requirements of law or comply with legal process served on us, protect and defend our legitimate interests in compliance with applicable laws.
• Other third parties with your consent, such as when you use third parties’ features (such as third-party cookies, widgets, plug-ins) which are integrated into our products and services, such as digital wallets and mobile banking apps. For further details, please consult Section 9 (Features and Links to Other Websites) of this Privacy Notice.
• Social media networks when you directly engage with those platforms. For further details, please consult Section 9 (Features and Links to Other Websites) of this Privacy Notice.
• Our advisers, any prospective purchaser’s advisers, and the new owner of the business in the event we sell or transfer all or a portion of our business or assets in connection with a business transaction (or potential business transaction) such as a corporate divestiture, merger, consolidation, acquisition, reorganization or sale of assets, or in the event of bankruptcy or dissolution.

You have certain rights and we offer you certain choices about what Personal Information we collect from you, how we use that information, 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 good or service is reasonably related to the value of the data that we receive from you; however, we do not control merchants’ practices in this regard. 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:

• To configure your web browser to remove or reject cookies, which will limit our ability to collect certain information via automated means. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. You may also visit http://www.allaboutcookies.org/manage-cookies/index.html for more information. Please note that if you set your browser to disable cookies, or if you reject certain cookies, the Services may not work properly. For example, we may not be able to recognize your computer, and you may need to log in every time you visit. For the avoidance of doubt, the option to decline the acceptance of cookies in your browser setting does not mean that we use cookies without your consent where such consent is required under applicable law.
• To opt out of the use of certain information, which we collect about you by automated means insofar as permitted by applicable law (including obtaining your consent where required under law), for purposes of online behavioral advertising when you visit our websites. You can exercise your choice via the “Manage Cookies” button displayed in the bottom right corner of the Mastercard websites related to the Services.
• To opt out of certain uses of information, which we collect about you insofar as permitted by applicable law (including obtaining your consent where required under law) 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 insofar as permitted by applicable law. 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.
• To opt-out of some of Mastercard’s use of web analytics, please click here.
• To view or change your Personal Information by using the Mastercard Click to Pay Profile tool please click on this link.
• To opt-out of marketing emails, you may click on the unsubscribe link within the marketing emails you receive from us or by contacting us as indicated below in the "How to Contact Us" section 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.

For the avoidance of doubt, the option to opt out of the processing activities set out above does not mean that we undertake the respective activities without your consent where such consent is required under applicable law.

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.

Depending on where you are located (such as Canada, California, the European Economic Area (EEA), Switzerland or Brazil) 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 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 a supervisory authority, 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.

Those rights may be limited in some circumstances by local law requirements - – for example, where we can demonstrate that we have a legal requirement to process your Personal Information. In some instances, this may mean that we are able to retain data even if you withdraw your consent.

Where Mastercard requires Personal Information to comply with legal or contractual obligations, the provision of such information is mandatory. If such data is not provided, Mastercard will not be able to manage the engagement relationship, or to meet obligations placed on it. In all other cases, provision of requested Personal Information is optional.

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 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 Center” portal to facilitate the exercise of your rights. You may also opt out from certain processing of your Personal Information, e.g. via our opt-out webpage.

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 and may provide more limited recourse mechanisms, including dissimilar or, at times, weaker data protection rights. When we transfer your Personal Information to other countries, we will protect that information as described in this Privacy Notice, as disclosed to you at the time of data collection.

We comply with applicable legal requirements providing adequate safeguards for the transfer of Personal Information to countries other than the country where you are located. In particular, we have established and implemented a set of BCR 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 BCRs is available here. We may also transfer Personal Information to countries for which adequacy decisions have been issued, 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. 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 the EEA.

Mastercard’s privacy practices, described in this Global Privacy Notice, comply with the APEC CBPR 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.

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.

Please understand, however, that no data transmissions over the Internet can be guaranteed to be 100% secure. Consequently, while we will do our best to protect your Personal Information, we cannot ensure or warrant the security of any Personal Information you transmit to us and you understand that any Personal Information that you transfer to Mastercard is done at your own risk. We use firewalls to protect your information from unauthorized access, disclosure, alteration, or destruction. However, please note that this is not a guarantee that such information may not be accessed, disclosed, altered or destroyed by breach of such firewalls and secure server software.

We will never ask you for your account details in any unsolicited communication (including unsolicited correspondence, such as letters, phone calls or e-mail messages). If you believe your account has been compromised, please contact us as specified in the "How to Contact Us" section below.

Our websites may provide links to other websites for your convenience and information. Any access to and use of such linked websites is not governed by this Privacy Notice but instead is governed by the privacy policies of those third parties. We are not responsible for the privacy practices or the content of these other websites.

Our websites may also contain certain features for which we partner with other entities, in each case only in accordance with applicable data protection laws (including obtaining your consent where required under law). These entities may learn, subject to local laws, of your visit regardless of whether you use these features: 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 may establish a direct connection to that social media provider, and data concerning your visit, including IP address, may be 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. We will not undertake such activities without your consent where such consent is required under applicable law.

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. Also, your browser may be configured to automatically collect, store and auto-fill payment information that you provide to websites and in some cases may sync with its related online profile. These websites and features, which may include social networking and geo-location tools, operate independently from Mastercard, and are clearly identified as such. They do not necessarily share the same policy as Mastercard regarding the protection of privacy. 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 and consult your social media account settings if you want to deactivate certain features.

Mastercard does not knowingly collect, maintain, or use Personal Information from children under 16 years of age, and no part of our products and services are directed to children.

If you learn that a child has provided us with Personal Information in violation of this Privacy Notice, then you may alert us at privacyanddataprotection@mastercard.com.

This Privacy Notice may be updated periodically to reflect changes in our Personal Information practices. When we do, we will also revise the "effective data" at the top of this Privacy Notice. When we make any material changes to this Privacy Notice, if required under applicable law, we will post a prominent notice on our websites sufficiently in advance to notify you of changes to our Privacy Notice by indicating at the top of the notice when it was most recently updated. We may also notify you of updates by sending a notice to the primary email address specified in your account or other appropriate mechanism as required by applicable law so that you have the opportunity to exercise your rights.

In certain circumstances, insofar as required by applicable law, we may seek your consent. However, please always remember that we will never ask you for your account details in any unsolicited communication (including unsolicited correspondence, such as letters, phone calls or e-mail messages). If you believe your account has been compromised, please contact us as specified in the "How to Contact Us" section below.

You may submit your request to exercise your rights to your Personal Information on Mastercard’s “My Data Center” portal, or email us at: privacyanddataprotection@mastercard.com.

In addition, if you are located in Canada or the United States, Mastercard International Incorporated is the entity responsible for the processing of your Personal Information. You may write to us at:

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

If you are located in the UK, EEA or Switzerland, Mastercard Europe SA is the data controller and the entity responsible for the processing of your Personal Information. You may write to us at:

EEA 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 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, Middle East and Africa, Mastercard Asia/Pacific Pte Ltd is the entity responsible for the processing of your Personal Information. You may write to us at:

Data Protection Officer
Mastercard Asia/Pacific Pte. Ltd.
3 Fraser Street DUO Tower
Level 17
Singapore 189352

For enquiries 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.