Privacy notice
Effective Date: 9/1/2020
Mastercard Payment Services Denmark A/S, Mastercard Payment Services Norway AS, Mastercard Infrastructure Payment Services (Norway) AS and its affiliates (collectively, "Mastercard") respect your privacy.
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 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.
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.
- Provide connectivity and dispute resolution services as part of our open banking solutions
- 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.
- Process your job application.
- 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.
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 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.
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, and the anonymization of your Personal Information for data analyses.
- Access your Personal Information, rectify it, restrict or object to its processing, or request its deletion 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 supervisory authority.
You can exercise your rights by submitting a request via the
Data Subject Request Portal or as described in the "How to Contact Us " section below.
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 Privacy Notice, or as otherwise disclosed to you.
If you are located in the EEA, we will process your Personal Information in accordance with our Binding Corporate Rules and other data transfer mechanisms.
Mastercard's privacy practices, described in this 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.
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.
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.
8. Children's Privacy
Mastercard products and services are not directed to, or intended for, children under the age of 16.
9. Updates to This Privacy Notice
This Privacy Notice may be updated periodically to reflect changes in our privacy practices.
10. How to Contact Us
You can e-mail us, and our Data Protection Officer at mpsprivacy@mastercard.com . If you are located in the EEA or Switzerland, Mastercard Europe SA is the data controller and you may submit your request to exercise your rights to your Personal Information by submitting request via our
Data Subject Request Portal or by emailing us at
mpsprivacy@mastercard.com at any time.
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