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    <label for="nav_search_input_mobile" class="vs-label vs-label-eyebrow">Search visa.com</label>
    <input id="nav_search_input_mobile" class="vs-input" type="text" placeholder="">
    <button type="button" class="vs-btn vs-btn-transparent vs-search-cancel">
      <span class="visa-icon visa-icon-close-md"></span>
      <span class="vs-sr-only">Close Search</span>
    </button>
    <button type="submit" class="vs-btn vs-btn-transparent vs-search-submit">
      <span class="visa-icon visa-icon-search-md"></span>
      <span class="vs-sr-only">Search Visa</span>
    </button>
  </div>
</form>

<form class="vs-form" role="search" aria-label="Visa" tabindex="-1">
  <div class="vs-input-group vs-eyebrow-group vs-inline-group">
    <label for="nav_search_input_desktop" class="vs-label vs-label-eyebrow">Search visa.com</label>
    <input id="nav_search_input_desktop" class="vs-input" type="text" placeholder="">
    <button type="button" class="vs-btn vs-btn-transparent vs-search-cancel">
      <span class="visa-icon visa-icon-close-md"></span>
      <span class="vs-sr-only">Close Search</span>
    </button>
    <button type="submit" class="vs-btn vs-btn-transparent vs-search-submit">
      <span class="visa-icon visa-icon-search-md"></span>
      <span class="vs-sr-only">Search Visa</span>
    </button>
  </div>
</form>

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 * Visa Privacy Center
 * Global Privacy Notice
 * Visa Cookie Notice
 * Your Privacy Rights
 * US Social Security Statement Page


VISA GLOBAL PRIVACY NOTICE




Effective date: March 3, 2023

This Global Privacy Notice explains how Visa and its Affiliates¹ collect, use,
and share Personal Information when you use our, or our clients’, products,
services, offers, and promotions.

As a global payments technology company, Visa fulfills many roles. When we act
on behalf of our Visa clients, we only collect, use, and share Personal
Information as authorized by our contracts with our clients. If you have
questions about how these companies handle your Personal Information, or wish to
exercise your rights, please contact them directly. For example, if you have
questions about your Visa card transactions, please contact the institution that
issued your card for more information.

Where Visa acts a controller under applicable laws and collects information
directly from an individual, the controller is the Visa entity listed on the
terms and conditions you sign when enrolling in a Visa service, product, or
offer. Some Visa companies and services have different privacy notices that are
provided when you use them. We also have supplemental privacy notices that
provide additional information as required by law.

You can learn more and exercise your privacy choices under relevant laws at
our Privacy Rights Portal.

¹ Visa’s Affiliates are companies that are directly or indirectly controlled by
Visa U.S.A. Inc. or its parent company Visa Inc. through ownership—for example,
Visa International Service Association, Visa Worldwide Pte. Limited, Visa Canada
Corporation, Visa International Servicios de Pago España, S.R.L.,Visa Europe
Limited, Visa do Brasil Empreendimentos Ltda, CardinalCommerce Corporation,
CyberSource Corporation, and Verifi, Inc.


PERSONAL INFORMATION

“Personal Information” refers to information that (alone or when used in
combination with other information) is capable of being associated with or could
reasonably be associated with an individual. Personal Information, sometimes
referred to as “personal data”, may also have specific meanings under different
privacy laws. The Personal Information we collect varies depending on our
relationship and interactions with you.


CATEGORIES OF PERSONAL INFORMATION

Depending on our relationship and interactions with you, the categories of
Personal Information we collect may include:



 * Contact Information – This includes your name, username, mailing address,
   email address, telephone number, mobile number, and social medial profile
   names, along with other personal identifiers.
 * Transaction and Financial Information – This includes:
   * Information about your card, including your 16-digit payment card number,
     which is also known as a personal account number or “PAN”; an associated
     non-financial identifier known as payment account reference or “PAR” token;
     and expiration date, service code, PIN verification data, and CVV; and
   * Information about your transactions, including the date, time, location,
     and amount of the transaction and information about the merchant. This also
     may include item-level data in some instances, and billing and shipping
     information.
 * Relationship Information – This includes information about your shopping and
   payment preferences and other information that can help us offer you
   personalized content, such as:
   * Demographic information, such as age range and marital or family status;
   * Likelihood that you may be interested in certain purchases or experiencing
     life events and other propensity scores; and
   * Data from social media profiles and information about your interests.
 * Interaction Information – This includes information about your interactions
   with Visa, such as:
   * Information collected when you participate in promotions or programs, such
     as rewards program account information;
   * Card benefits program information, including qualification data and related
     records;
   * Information collected when you contact us, such as if you contact our
     customer service;
   * Visitor logs;
   * Information collected when you attend Visa sponsored events, such as
     travel-related information for you and any companions gathered at the
     events; and
   * Other information you provide us, such as data collected for consumer
     authentication (e.g., passwords or account security questions).
 * Biometric Identifiers – This may include facial recognition data,
   fingerprints, keystroke timing, scroll position, and behavioral data or other
   physical patterns, such as when you elect to use biometric authentication
   with Visa or its clients.
 * Business Customer Data – This includes information about your role within
   your company, your authorization to use products or services, and your
   authority to place orders; customer/supplier qualification details; and other
   data you share with us in connection with the relationship.
 * Inferred and Derived Information – We infer and derive data elements by
   analyzing our relationship and transactional information. For example, we may
   generate propensities, attributes, and/or scores for marketing, security, or
   fraud purposes.
 * Online and Technical Information – This includes information regarding your
   interactions with our websites, applications, or advertisements, including IP
   address, device identifiers, settings, characteristics, advertising ID,
   browsing history, web server logs, server log records, activity log records,
   keystroke timing, and other information collected using cookies and similar
   technologies.
 * Audio and Visual Information – This includes audio, electronic, visual, or
   similar information relating to your interactions with us, including
   photographs, video images, CCTV recordings, call center recordings, call
   monitoring records, and voicemails.
 * Government Issued Identification Numbers – This includes social security
   number, driver’s license number, passport number, and other government issued
   identifiers as may be needed for compliance or given the nature of the
   relationship.
 * Geolocation Information – This may include precise geolocation information,
   which we may collect automatically from your mobile device if you opt-in to
   allow us to collect it.
 * Professional and Employment Information – This includes professional or
   employment-related information for employees and prospective employees,
   including applicant and resume data, such as education and work history;
   information about qualifications for the position, such as skills and
   credentials; professional interests and goals; information collected for
   employee qualifications, such as right to work documentation; and references.
 * Compliance Data – This includes records maintained to demonstrate compliance
   with applicable laws; records related to consumer preferences, such as your
   opt-ins and opt-outs of marketing programs; and records related to data
   subject rights requests.

Some of the Personal Information in these categories may be considered sensitive
Personal Information in some jurisdictions.




SOURCES OF PERSONAL INFORMATION:

We may collect Personal Information about you from various sources, depending on
our relationship and interaction with you. These sources may include:



 * Your financial institutions, payment card issuer, merchants, acquirers, and
   other partners when you use a Visa-branded payment product or when we’re
   acting on their behalf, such as when you tap your Visa card;
 * You, such as when you enroll in card link offer programs from Visa or a
   co-promotion partner, enroll in a Visa click-to-pay solution, or provide
   survey responses to us;
 * Your computer or devices when you interact with our platforms, websites, and
   applications or through other automatic technologies, such as when we record
   calls to our call center and use CCTV cameras in our facilities; and
 * Other third parties, including data aggregators, social media companies, and
   other publicly available sources. In addition, Professional and Employment
   Information may be collected from your references and third parties that help
   us conduct internal investigations and background screenings, and Business
   Customer Data may be collected from your employer, trade show and conference
   organizers, and professional services companies.




WHY WE COLLECT PERSONAL INFORMATION AND HOW WE USE IT:

Purpose for Collecting and Sharing
Categories of Personal Information
Legal Basis for Processing
(Where required under applicable law)
Operate Visa’s electronic payments networks (including authorization, clearing,
and settlement of transactions and tokenization), enable your payment
transactions, and for related purposes, such as authentication, dispute
resolution, fraud prevention, and security
 * Contact Information
 * Transaction and Financial Information
 * Relationship Information
 * Interaction Information
 * Biometric Identifiers
 * Business Customer Data
 * Inferred and Derived Information
 * Online and Technical Information
 * Audio and Visual Information
 * Government Issued Identification Numbers
 * Geolocation Information
 * Compliance Data

 * To fulfill a contract to which you are a party, such as a contract with you,
   or as needed to fulfill a contract between you and a merchant or between you
   and the financial institution or other entity that issued your card, where
   Visa is providing payment services or acting as a data processor
 * To comply with the laws and regulations that are applicable to us around the
   world
 * For the purposes of our own legitimate interests or for the legitimate
   interests of others, such as to protect you, us, or others from threats (such
   as security threats or fraud); to enable or administer our business, such as
   for quality control, compliance, consolidated reporting, and customer
   service; to manage corporate transactions, such as mergers or acquisitions;
   and to understand and improve our business or customer relationships
   generally

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

Provide you with the products, services, programs, offers, or information you
request from Visa, and for related purposes such as determining eligibility and
customer service
 * Contact Information
 * Transaction and Financial Information
 * Relationship Information
 * Interaction Information
 * Biometric Identifiers
 * Business Customer Data
 * Inferred and Derived Information
 * Online and Technical Information
 * Audio and Visual Information
 * Government Issued Identification Numbers
 * Geolocation Information
 * Compliance Data

 * To fulfill a contract to which you are a party, as described above
 * To comply with the laws and regulations that are applicable to us around the
   world
 * For the purposes of our own legitimate interests or for the legitimate
   interests of others, as described above

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

Provide services to our clients. For example, if you enroll in a card issuer or
merchant loyalty program, we will process Card Transaction Data to calculate
your rewards and provide targeted offers to you from the client
 * Contact Information
 * Transaction and Financial Information
 * Relationship Information
 * Interaction Information
 * Biometric Identifiers
 * Business Customer Data
 * Inferred and Derived Information
 * Online and Technical Information
 * Audio and Visual Information
 * Government Issued Identification Numbers
 * Geolocation Information
 * Compliance Data

 * To fulfill a contract to which you are a party, as described above
 * To comply with the laws and regulations that are applicable to us around the
   world
 * For the purposes of our own legitimate interests or for the legitimate
   interests of others, as described above

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

Operate Visa solutions such as click to pay, including to enroll you in the
solution, to enable you to stay signed in on your device (if you have chosen
this), to enable you to check out using the solution, to integrate with other
digital wallets (if you have chosen to do this), and to participate in programs
related to your use of the solution
 * Contact Information
 * Transaction and Financial Information
 * Relationship Information
 * Interaction Information
 * Biometric Identifiers
 * Business Customer Data
 * Inferred and Derived Information
 * Online and Technical Information
 * Audio and Visual Information
 * Government Issued Identification Numbers
 * Geolocation Information
 * Compliance Data

 * To fulfill a contract to which you are a party, as described above
 * To comply with the laws and regulations that are applicable to us around the
   world
 * For the purposes of our own legitimate interests or for the legitimate
   interests of others, as described above

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

Administer surveys, loyalty programs, sweepstakes, contests, and events
 * Contact Information
 * Transaction and Financial Information
 * Relationship Information
 * Interaction Information
 * Biometric Identifiers
 * Business Customer Data
 * Inferred and Derived Information
 * Online and Technical Information
 * Audio and Visual Information
 * Government Issued Identification Numbers
 * Geolocation Information
 * Compliance Data

 * To fulfill a contract to which you are a party, as described above
 * For the purposes of our own legitimate interests or for the legitimate
   interests of others, as described above

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

Based on your choices, deliver marketing communications, personalized offers,
and interest-based ads to you
 * Contact Information
 * Transaction and Financial Information
 * Relationship Information
 * Interaction Information
 * Biometric Identifiers
 * Business Customer Data
 * Inferred and Derived Information
 * Online and Technical Information
 * Audio and Visual Information
 * Geolocation Information
 * Compliance Data

 * For the purposes of our own legitimate interests or for the legitimate
   interests of others, such as to send you news and offers that are relevant to
   you

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

Fulfill, develop, or maintain our business relationship with you and/or your
company
 * Contact Information
 * Transaction and Financial Information
 * Relationship Information
 * Interaction Information
 * Biometric Identifiers
 * Business Customer Data
 * Inferred and Derived Information
 * Online and Technical Information
 * Audio and Visual Information
 * Government Issued Identification Numbers
 * Geolocation Information
 * Compliance Data

 * To fulfill a contract to which you are a party, as described above
 * For the purposes of our own legitimate interests or for the legitimate
   interests of others, as described above

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

Facilitate your employment or contracting relationship with us or evaluate you
for a position, including customary human resources purposes, risk management,
and compliance
 * Contact Information
 * Relationship Information
 * Interaction Information
 * Biometric Identifiers
 * Online and Technical Information
 * Audio and Visual Information
 * Government Issued Identification Numbers
 * Professional and Employment Information
 * Compliance Data

 * To fulfill a contract to which you are a party, as described above
 * To comply with the laws and regulations that are applicable to us around the
   world
 * For the purposes of our own legitimate interests or for the legitimate
   interests of others, as described above

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

Understand how you and others use our products, for analytics and modeling and
to create business intelligence and insights and to understand economic trends
 * While certain information such as Transaction and Financial Information,
   Relationship Information, Interaction Information, Online and Technical
   Information, and Geolocation Information may be used for these activities,
   the end result does not constitute Personal Information.

 * For the purposes of our own legitimate interests or for the legitimate
   interests of others, as described above

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

Generate de-personalized, de-identified, anonymized, or aggregated datasets,
which are used for product development and delivery of consulting services to
clients
 * While certain information such as Transaction and Financial Information,
   Relationship Information, Interaction Information, and Online and Technical
   Information may be used to generate these datasets, the end result does not
   constitute Personal Information.

 * For the purposes of our own legitimate interests or for the legitimate
   interests of others, as described above

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

Support our Everyday Business Purposes, such as for account management, quality
control, website administration, business continuity and disaster recovery,
security and fraud prevention, corporate governance, reporting and legal
compliance, analytics and research, enforcement of contracts and other contract
management, and the provision of requested products and services*
 * Contact Information
 * Transaction and Financial Information
 * Relationship Information
 * Interaction Information
 * Business Customer Data
 * Inferred and Derived Information
 * Online and Technical Information
 * Audio and Visual Information
 * Government Issued Identification Numbers
 * Geolocation Information
 * Professional and Employment Information
 * Compliance Information

 * To fulfill a contract to which you are a party, as described above
 * To comply with the laws and regulations that are applicable to us around the
   world
 * For the purposes of our own legitimate interests or for the legitimate
   interests of others, as described above

Where applicable, we also may process Personal Information with your consent.
For example, we may rely on your consent, where required by law, to provide you
with marketing communications.

"Everyday Business Purposes” encompasses the following business purposes and
related purposes for which Personal Information may be used:

 * To provide the information, product, or service requested by the individual
   or as reasonably expected given the context in which with the Personal
   Information was collected (such as customer credentialing, providing customer
   service, personalization and preference management, providing product
   updates, bug fixes or recalls, and dispute resolution);
 * For identity and credential management, including identity verification and
   authentication, and system and technology administration;
 * To protect the security and integrity of systems, networks, applications, and
   data, including detecting, analyzing, and resolving security threats, and
   collaborating with cybersecurity centers, consortia, and law enforcement
   about imminent threats;
 * For fraud detection and prevention;
 * For legal and regulatory compliance, including all uses and disclosures of
   Personal Information that are required by law or reasonably needed for
   compliance with company policies and procedures, such as anti-money
   laundering programs, security and incident response programs, intellectual
   property protection programs, and corporate ethics and compliance hotlines;
 * For corporate audit, analysis, and reporting;
 * To enforce our contracts and to protect against injury, theft, legal
   liability, fraud, or abuse, and to protect people or property, including
   physical security programs;
 * To de-identify, depersonalize, or anonymize the data or create aggregated
   datasets, such as for consolidating reporting, research, or analytics;
 * To make back-up copies for business continuity and disaster recovery
   purposes; and
 * For corporate governance, including mergers, acquisitions, and divestitures.


CATEGORIES OF THIRD PARTIES AND OUR DISCLOSURE OF PERSONAL INFORMATION

We may disclose your Personal Information to:

 * Our Affiliates;
 * Our service providers, for the purposes of providing services to us;
 * Financial institutions, merchants, payment processors, and other third
   parties that are subject to appropriate confidentiality and use restrictions,
   for the purposes of enabling your payments, managing fraud and risk,
   providing and developing products and services, and supporting our Everyday
   Business Purposes;  
 * Third parties, such as third-party advertising partners, who may use data
   collected by cookies and similar means to help us with our online advertising
   programs;
 * Government agencies;
 * Recruiting agencies and your references (for Professional and Employment
   Information); and
 * Your company and its affiliates (for Business Customer Data).

We may also disclose personal information when required to do so by law, such as
to law enforcement agencies, regulators, or courts, or as permitted by law, such
as when we sell or transfer business assets, enforce our contracts, protect our
property or the rights, property or safety of others, or as needed for audits,
compliance, and corporate governance.

 


ONLINE PRIVACY

When you visit our website, use our mobile applications, or engage with our
emails and online ads, we may collect information by automated means, using
technologies such as cookies, pixel tags, browser analysis tools, server logs,
and web beacons.

In some cases, the information we collect is only used in a non-identifiable
way. For example, we use information we collect about all website users to
optimize our websites and to understand website traffic patterns. We do not use
this information to profile you or target our ads.


In other cases, we may use the information in an identifiable way. For example,
we may authenticate you or your device, deliver personalized content or use the
information for analytics, fraud detection, and security. We may also use the
information for online ad targeting. Our Cookie Notice provides more information
about our online data collection technologies and your choices. 


As described in our Cookie Notice, we have relationships with third-party
advertising companies. These third parties may track you, your browser or your
device across different websites and applications.

Subject to your settings, we may place cookies or tags on your computer when you
visit our website so that they can display targeted advertisements to you on
other websites. The use of your data by these companies is subject to their own
privacy policies.


Many Visa websites only place marketing, personalization, and advertising
cookies if you explicitly accept these cookies by clicking “Accept All Cookies”
when you first visit the website. Our Cookie Notice explains how to manage your
preferences and how to disable previously accepted cookies.

Our websites may enable you to interact with us and others via social media
platforms. We collect information from these platforms as permitted by the
sites’ legal terms. We may also display interest-based ads to you when you are
using these platforms. The platforms allow us to personalize the ads that we
display to you, and they may gain insights about individuals who respond to the
ads we serve.



MOBILE APPLICATIONS

When you download our mobile applications, you may allow us to obtain your
precise location from your mobile device. We use this information to deliver
personalized content and for analytics. We may also offer automatic ("push")
notifications. We will provide push notifications only if you opt-in to receive
them. You do not have to provide location information or enable push
notifications to use our mobile apps.

Certain mobile applications controlled by Visa may allow us to share data with
advertising platforms for purposes of showing you interest-based ads. We rely on
the mobile network operators’ settings to allow you to opt into this type of
sharing when you download our applications. However, where able, we will also
provide you choices within the account profile section of the application.

We collect device identifiers and other device-related information, including
your device’s advertising ID, if available. This information is used to identify
your device and authenticate you. We may also use device-related information to
associate you with different devices that you may use, including for
fraud-protection purposes and to better target advertising. In many cases, you
can reset your device’s advertising ID. Both Android and iOS devices enable you
to reset your device identifier under the “settings” menu.  



YOUR PRIVACY RIGHTS

We respect your rights to access, correct and delete your information in
accordance with applicable laws. If you have an online account with Visa, you
can log into your account to access, update, and delete your information. You
can also submit requests under relevant laws to us via the Privacy Rights
Portal.

For security reasons and to prevent unauthorized disclosure of Personal
Information, cardholders should contact their payment card issuers to access
their relevant information. This helps ensure that access to the information is
only provided to the authorized individuals, subject to the issuer’s
verification processes.Additionally, if you have questions about how your
issuer, merchants, or rewards networks handle your Personal Information, please
check the privacy notices provided by these companies and contact them directly
for assistance with any privacy requests. When Visa acts as a service provider
(also called a data processor) for our clients, we only process your information
as instructed by our client to provide the services and for other appropriate
purposes, such as recordkeeping and compliance. We rely on our clients to
provide you with appropriate privacy notices and to manage your privacy rights.


Supplemental Privacy Notices: Residents of some states and countries have
additional privacy rights. Information on these rights is provided in the
supplemental privacy notices posted at the bottom of this Global Privacy Notice.


INTERNATIONAL TRANSFERS

Visa is based in the United States and has Affiliates and service providers
around the world. Visa may transfer your Personal Information between countries,
including to countries which may not have similar privacy or data protection
laws as your country of origin. We may transfer your Personal Information to our
main data centers in the United States, as well as our other data centers, such
as our data center in Europe or a local data center in your country where
applicable. However, we will always protect your information as described in the
relevant privacy notice(s), no matter where it is stored, and transfer it in
accordance with any applicable legal requirements for cross-border transfer of
Personal Information.



INFORMATION SECURITY AND DATA RETENTION

We use physical, technical, organizational, and administrative safeguards to
help protect your Personal Information from unauthorized access or loss. For
example, we use encryption and other tools to protect sensitive information. We
retain your Personal Information as needed for the purposes listed above and as
permitted by law.



PRIVACY POLICIES OF THIRD PARTIES

This Privacy Notice explains how Visa Inc. and its Affiliates handle your
Personal Information. Please also read the privacy notice provided by your Visa
card issuer and other applicable clients to learn how each of those companies
handle your information. Additionally, if you are participating in offers or
promotions, please read the privacy notices provided by the merchant or the
rewards network before you sign up.

Social media platforms and other websites that may be accessed through Visa’s
websites also have their own privacy policies. We encourage you to read the
privacy notices provided by these sites before you give them your information.



JOB APPLICANTS

If you have applied for a job at Visa, the Personal Information in your
application will be used and retained for recruiting, compliance, and other
customary human resources purposes. This includes, where permitted, processing
information to monitor our pathways for employee recruitment.



CHILDREN'S DATA

Visa’s platforms are not directed to children, and Visa only collects
information from children as permitted by law. For example, we may collect data
from children over 16 who are allowed by law to interact with Visa or otherwise
if we have appropriate parental or caregiver consent, such as if children attend
Visa sponsored events with adult caregivers. If you believe that we are
processing a child’s information inappropriately, please Contact Us. 



CHANGES TO THIS PRIVACY NOTICE

We may update this Privacy Notice from time to time. We will post an alert
online if the changes are material. If the changes will materially affect the
way we use Personal Information that we have already collected, we will notify
you.



HOW TO CONTACT THE VISA PRIVACY OFFICE

If you would like to exercise your privacy rights under relevant laws, please
reach out us via the Privacy Rights Portal.


For any other assistance you may contact us, including any queries to the
applicable Data Protection Officers within Visa, at the information below:


 * Email us: privacy@visa.com
   Please do not include sensitive information, such as your account number, in
   emails.
 * Mail us a letter:
   Visa Global Privacy Office
   900 Metro Center Blvd.
   Foster City, CA, 94404 USA


SUPPLEMENTAL PRIVACY NOTICES

This Global Privacy Notice is supplemented by the following additional notices,
depending on how you interact with us and where:

 * For Argentina (Spanish)
 * For Australia (English)
 * For Brazil (Portuguese)
 * For Canada (English)
 * For China Mainland (Simplified Chinese)
 * For Colombia (Spanish)
 * For European Economic Area (EEA) (English)
 * For Japan (Japanese)
 * For Taiwan (Traditional Chinese)
 * For Turkey (Turkish)
 * U.S. State Privacy Laws Supplementary Notice
 * U.S. - Social Security Number Policy and Sensitive Personal Information
   Statement
 * U.S. – End User Open Banking Privacy Notice

Our Cookie Notice explains our practices regarding cookies, tags, and similar
types of online data that we collect.





ABOUT VISA

 * Leading by Example
 * What We Do
 * Careers


OUR VALUES

 * Corporate Responsibility and Sustainability
 * Social Impact
 * Inclusion + Diversity


NEWS + MEDIA

 * Visa Blog
 * Newsroom
 * Visa Navigate
 * Investor Relations


SUPPORT

 * Support Center
 * Lost or Stolen Visa
 * Gift Card Balance
 * Visa Rules + Policy
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