Effective Date: December 06, 2019
Mastercard International Incorporated and its subsidiaries and affiliates (“Mastercard”, “we”, “us”, or “our”) respect your privacy. This Privacy Notice applies to the Mastercard Secure Remote Commerce services, including the Secure Remote Commerce website and the payment profile that you may establish (collectively, the “Services”). Mastercard offers these Services only in the United States, and only United States law governs the Services.
Developed by Mastercard and built upon global payment industry standards, Mastercard's new digital checkout option uses advanced payment technology and intelligent security. The convenience of Mastercard’s new digital checkout means the experience is consistent across participating merchants, so users can pay the same way, every time – no passwords, no surprises. And, users can keep their Mastercard payment information stored securely in one place, so it’s there when they need it.
To learn more, click on one of the links below to jump to the listed section:
- What this Privacy Notice Covers
- Personal Information We May Collect
- How We May Use Your Personal Information
- How We Share Your Personal Information
- Your Choices
- How We Protect Your Personal Information
- Features and Links to Other Websites
- Children’s Privacy
- Updates to This Privacy Notice
- How to Contact Us
1. What This Privacy Notice Covers
This Privacy Notice describes the types of Personal Information we collect in connection with the Services, 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.
2. Personal Information We May Collect
“Personal Information” means any information relating to an identified or identifiable individual. We may collect Personal Information in connection with the Services, including when you register for an account, establish your payment profile, use the Services, or participate in our marketing programs. We may collect information about you directly from you or from third parties such as our service providers, marketing and business partners, financial institutions, merchants, and other Secure Remote Commerce participants (such as other payment card brands).
We may collect the following categories of Personal Information:
- Registration and payment information, such as name, email address, phone number, billing address, and payment card details.
- Transaction information, such as billing or shipping address, merchant’s name and location, date and time of transaction, description of items purchased, total amount of transaction, and other information provided by financial institutions or merchants.
- Details you may provide in the context of online marketing programs (e.g., personal characteristics, life habits, consumption habits, interests, location data, and voice and image recordings).
- Publicly available information, such as information from your social media page, and use the information as described in this Privacy Notice.
- Information about your usage of the Services, including details about the device used to access the Services, and information collected via automated means, such as cookies, scripts and similar technologies.
You may also choose to provide other information, such as different types of content (e.g., photographs, articles and 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.
Personal Information We Collect by Automated Means
We, our service providers, and partners may collect 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. 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 collect in this manner 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, the user agent string, and other similar data; and 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. Our service providers and partners may collect this type of information over time and across third-party websites and mobile applications. 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, (To learn more, please click here), and as further explained 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). 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.
Please see the “Your Rights and Choices” section of this Privacy Notice to learn more about your choices.
3. How We May Use Your Personal Information
We may use your Personal Information for the following purposes and as otherwise described in the Privacy Notice.
- Process your payment transactions
- Protect against and prevent fraud, and other legal or information security risks
- Provide and communicate with you about products and services offered by Mastercard, financial institutions, merchants and partners.
- Provide you with personalized services and recommendations.
- Operate, evaluate and improve our business, including anonymization and analytics.
- Learn more about you, including your preferences or other characteristics. We treat these inferences as Personal Information where required under applicable law;
- Serve other purposes for which we provide specific notice at the time of collection, and as otherwise authorized or required by law.
4. How We Share Your Personal Information
We do not sell your Personal Information as defined by the California Consumer Protection Act of 2018. 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.
- Third parties for fraud monitoring and prevention purposes, or other purposes required by law.
- Third parties whose feature 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.
We may also share Personal Information with:
- 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.
- Financial institutions and their service providers, to perform and/or facilitate payment card transactions, to ensure the safety and security of those transactions (including card fraud detection and prevention), to authenticate and identity you and the payment cards you register with the Mastercard Secure Remote Commerce System, to tokenize your payment credentials, to resolve disputes, provide customer service, to provide enrollment and usage analysis and reporting and to provide the Services that you request.
- Other Secure Remote Commerce 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 Secure Remote Commerce payment option and 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
- For example, with entities that provide:
- Third parties such as identity verification services and other related service providers, government entities, utilities, public records, credit bureaus, telecom providers, property files and watch lists, for purposes of identity or account verification, fraud detection or as may otherwise be required by applicable law.
- Third parties, for compliance, fraud prevention, and safety purposes, including when required under applicable law or legal process, or when we believe disclosure is necessary to protect individuals’ 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.
- With other third parties with your consent, such as when you use third parties’ features in connection with our products and services, such as social networks, digital wallets and mobile banking apps.
- 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.
5. Your Choices
You may have the right or choice to:
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. Please note that if you set your browser to disable cookies, or if you reject certain cookies, the Services may not work properly.
- To opt out of the use of certain information, which we collect about you by automated means, for purposes of online behavioral advertising when you visit our websites. You can exercise your choice via the “Ad Choices” button displayed in the bottom right corner of the Mastercard websites related to the Services.
- Where applicable, you may also click 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.
- Otherwise, you can opt out of receiving targeted advertising on websites through members of the Digital Advertising Alliance by visiting http://www.aboutads.info/choices/. You may also opt out of Adobe Experience Cloud advertising solutions for web-based ads here: https://www.adobe.com/privacy/opt-out.html. To learn more about Cookies and your choices, please visit http://www.aboutads.info/consumers/.
- 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 Payment Profile Management tool.
- To opt-out of 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.
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, (e.g. California) 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.
You may opt out from certain processing of your Personal Information, e.g. via our opt-out webpage.
Those rights may be limited in some circumstances by local law requirements.
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. For individuals located in certain jurisdiction, such as California, we have developed Mastercard’s “My Data Center” portal to facilitate the exercise of your rights.
6. How We Protect Your Personal Information
We maintain appropriate security safeguards to protect your Personal Information.
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 will retain your Personal Information for as long as the information is needed for the purposes listed above and for any additional period that may be required or permitted by law.
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.
7. Features and Links to Other Websites
You may choose to use certain features for which we partner with other entities that operate independently from Mastercard, such as social media and third-party websites. We are not responsible for the content, your use of, nor the privacy practices of those websites.
Our websites may provide links to other websites for your convenience and information. We may also allow you to choose to use certain features for which we partner with other entities. For example, you may “like” an offer via your Facebook account, or “tweet” an offer using Twitter. 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 may have their own privacy notices or policies, which we suggest you review. To the extent any linked websites or features you visit or use are not owned or controlled by Mastercard, we are not responsible for their content, any use of the websites, or the privacy practices of the websites.
8. Children’s Privacy
Mastercard products and services are not directed to, or intended for, children under the age of 16.
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 firstname.lastname@example.org.
9. Updates to This Privacy Notice
This Privacy Notice may be updated periodically to reflect changes in our privacy practices.
This Privacy Notice may be updated periodically and without prior notice to you to reflect changes in our Personal Information practices. We will post a prominent notice on our websites 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 via email or other appropriate mechanism.
10. How to Contact Us
You can e-mail us at email@example.com.
If you are located in California, you may submit your request to exercise your rights to your Personal Information on Mastercard’s “My Data Center” portal. You can e-mail us if you have any questions, comments or complaints about this Privacy Notice and our privacy practices, or would like to update your privacy preferences at:
or write to us at:
Global Privacy Officer
Mastercard International Incorporated
2000 Purchase Street
Purchase, New York 10577
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.