Affiliates are companies Visa U.S.A. Inc. or Visa Inc. directly or indirectly controls through ownership
The notice defines Visa's Affiliates as companies directly or indirectly controlled through ownership by Visa U.S.A. Inc. or its parent company Visa Inc. The companies it names are examples: 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. The intro sentence uses this term for the companies whose handling of Personal Information the notice describes.
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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.
Visa and its Affiliates¹ collect, use, and share Personal Information
Qualifications & exceptions
The named companies are given as examples ('for example'), not as a complete list.
Visa may disclose personal information to its Affiliates and to service providers who provide services to Visa
Visa lists its Affiliates among those to whom it may disclose Personal Information. It also lists its service providers, to whom it may disclose information for the purposes of providing services to Visa.
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We may disclose your Personal Information to:
Our Affiliates;
Our service providers, for the purposes of providing services to us;
Qualifications & exceptions
Disclosure to service providers is for the purposes of providing services to Visa.
Sharing & Disclosure · Company practice
Visa may disclose information to financial institutions, merchants and payment processors under confidentiality limits
Visa may disclose Personal Information to financial institutions, merchants, payment processors and other third parties that are subject to appropriate confidentiality and use restrictions. The stated purposes are enabling your payments, managing fraud and risk, providing and developing products and services, and supporting Visa's Everyday Business Purposes, a term the notice defines in its purposes section.
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We may disclose your Personal Information to:
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;
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*
Everyday Business Purposes” encompasses the following business purposes and related purposes for which Personal Information may be used:
Qualifications & exceptions
Recipients are described as subject to appropriate confidentiality and use restrictions; the restrictions themselves are not described.
Not stated here
The notice does not name the recipients or describe the confidentiality and use restrictions.
Third-party fraud service providers that receive information are responsible for their own use of it
Visa may disclose Personal Information to third parties who help detect and prevent fraudulent transactions. The notice says these third-party fraud service providers are responsible for their use of your personal data and will use it for the purposes set out in their own notices.
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Third parties who help us to detect and prevent fraudulent transactions. These third party fraud service providers that we use to help us detect and prevent fraudulent transactions; and they are responsible for their use of your personal data and will use it for the purposes set out in their own notices;
Not stated here
The providers are not named and their own notices are not part of this document, so what they do with the information is not stated.
Sharing & Disclosure · Company practice
Third-party advertising partners may use cookie data to help Visa's online advertising programs
Visa may disclose Personal Information to third parties, such as advertising partners, who may use data collected by cookies and similar means to help with Visa's online advertising programs.
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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;
Not stated here
The notice does not name the partners or say which personal information beyond cookie-collected data they receive.
This list item does not address whether the sharing counts as a sale or sharing for advertising under U.S. state privacy laws; the U.S. state supplementary notice is linked later in the document but its text is not supplied here.
Sharing & Disclosure · Company practice
Visa may also disclose to government agencies, recruiters and references, and to a business customer's company
Visa may disclose Personal Information to government agencies. It may disclose Professional and Employment Information to recruiting agencies and your references, and Business Customer Data to your company and its affiliates.
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Supporting quotations
Government agencies;
Recruiting agencies and your references (for Professional and Employment Information); and
Your company and its affiliates (for Business Customer Data).
Qualifications & exceptions
Disclosure to recruiting agencies and references is for Professional and Employment Information.
Disclosure to your company and its affiliates is for Business Customer Data.
Sharing & Disclosure · Company practice
Visa may disclose personal information when the law requires it and in cases the law permits, such as business transfers
Visa may disclose personal information when required by law, such as to law enforcement agencies, regulators or courts. It may also do so as permitted by law, for example when it sells or transfers business assets, enforces its contracts, protects its property or the rights, property or safety of others, or as needed for audits, compliance and corporate governance.
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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.
Sharing & Disclosure · Company practice
Third-party advertising companies may track you across sites, and Visa may place cookies so they can show targeted ads
Visa says it has relationships with third-party advertising companies that may track you, your browser or your device across different websites and applications. Subject to your settings, Visa may place cookies or tags on your computer when you visit its website so that these companies can display targeted advertisements to you on other websites. The notice says the use of your data by these companies is subject to their own privacy policies.
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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.
Qualifications & exceptions
Cookies or tags are placed 'subject to your settings'.
Not stated here
The advertising companies, the Cookie Notice and their own privacy policies are not part of this document.
Some Visa mobile apps may share data with advertising platforms for interest-based ads, via mobile network opt-in
Certain mobile applications controlled by Visa may allow Visa to share data with advertising platforms to show you interest-based ads. Visa says it relies on the mobile network operators' settings to let you opt in to this sharing when you download the applications. Where it is able, Visa will also give you choices in the account profile section of the application.
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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.
Qualifications & exceptions
Stated for 'certain' mobile applications controlled by Visa.
App-level choices are provided only 'where able'.
Not stated here
The notice does not name the apps, the data shared or the advertising platforms.
Sharing & Disclosure · Company practice
Visa may transfer your personal information between countries, including to countries with weaker privacy laws
Visa is based in the United States and has Affiliates and service providers around the world. It says it may transfer your Personal Information between countries, including to countries that may not have privacy or data protection laws similar to those of your country of origin. It may transfer information to its main data centers in the United States and to other data centers, such as one in Europe or a local data center in your country where applicable.
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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.
Not stated here
The notice does not name a transfer mechanism or list the countries where data centers or providers are located.