MasterCard Worldwide –
Effective Date: December 9, 2010
MasterCard International Incorporated (doing business as MasterCard Worldwide) and its affiliates respect your privacy. The following MasterCard entities (collectively, "MasterCard") have certified that they abide by the Safe Harbor privacy principles as set forth by the U.S. Department of Commerce regarding the collection, storage, use, transfer and other processing of Consumer Personal Data transferred from the European Economic Area ("EEA") or Switzerland to the United States:
- Maestro International, Inc.
- MasterCard Advisors, LLC
- MasterCard Advisors, LLC Europe
- MasterCard International Incorporated
- MasterCard Technologies, LLC, formerly known as, MasterCard International, LLC
- Orbiscom Inc.
For the purposes of this policy, "Consumer" means any natural or legal person (to the extent a legal person is subject to national data protection law), but excludes any individual acting in his or her capacity as a former, current or prospective MasterCard employee, agent, consultant or contractor.
"Personal Data" means any information that (i) is transferred from the EEA or Switzerland to MasterCard in the U.S. and (ii) relates to an identified or identifiable natural or legal person (to the extent a legal person is subject to national data protection law).
How MasterCard Obtains Personal Data
As a processor of payment card transactions and a provider of related services, MasterCard obtains Consumer Personal Data from financial institutions and other entities in connection with payment card transactions. For the purposes of this policy, these financial institutions and other entities are defined as "Members".The MasterCard Rules require MasterCard's Members to comply with applicable national law governing the collection, use and other processing of Consumer Personal Data. Together with its Members, MasterCard seeks to ensure that Consumer Personal Data is protected in accordance with the Safe Harbor privacy principles, as described in this policy.
MasterCard also may collect Personal Data directly from Consumers. This collection may occur, for example, when a Consumer visits a MasterCard website and provides Personal Data to MasterCard.
In all cases, as described below, MasterCard's practices regarding the collection, storage, use, transfer and other processing of Consumer Personal Data comply with the Safe Harbor principles of notice, choice, onward transfer, access, security, data integrity and enforcement and oversight.
In circumstances in which MasterCard collects Personal Data directly from Consumers, it offers Consumers the opportunity to choose whether MasterCard may (i) disclose their Personal Data to certain third parties or (ii) use their Personal Data for a purpose that is incompatible with the purpose for which the information was originally collected or subsequently authorised by the individual. Consumers may contact MasterCard as indicated below regarding the company's use or disclosure of their Personal Data.
Where MasterCard receives Personal Data about Consumers with whom MasterCard does not have a direct relationship, MasterCard has informed its Members that they are responsible for providing the relevant individuals with a choice as to whether their Personal Data may be disclosed by MasterCard to certain third parties or used for a purpose that is incompatible with the purpose for which the information was originally collected or subsequently authorised by the individual.
Onward Transfer of Personal Data
MasterCard may share Consumer Personal Data with the following types of third parties:
- Members, merchants and other entities for purposes such as authorising, recording, settling and clearing payment card transactions and conducting related activities such as billing, collection and fraud prevention;
- MasterCard affiliates for purposes such as processing payment card transactions and conducting data analytics; and
- service providers MasterCard has retained to perform services on its behalf.
MasterCard requires service providers to whom it discloses Consumer Personal Data and who are not subject to laws based on the European Union Data Protection Directive 95/46 or Swiss Federal Data Protection Law to either (i) subscribe to the Safe Harbor principles or (ii) contractually agree to provide at least the same level of protection for Personal Data as is required by the relevant Safe Harbor principles.
MasterCard also may disclose Consumer Personal Data without offering individuals an opportunity to opt out (i) if required to do so by law or legal process, (ii) to law enforcement authorities or (iii) when MasterCard believes disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual fraudulent or illegal activity.
Where appropriate, MasterCard provides Consumers with reasonable access to the Personal Data MasterCard maintains about them. MasterCard also provides a reasonable opportunity for Consumers to correct, amend or delete that information where it is inaccurate. MasterCard may limit or deny access to Consumer Personal Data where providing such access is unreasonably burdensome or expensive under the circumstances, or as otherwise permitted by the Safe Harbor principles. Consumers may request access to their Personal Data by contacting MasterCard as indicated below.
In circumstances in which MasterCard receives Personal Data about Consumers with whom MasterCard does not have a direct relationship, MasterCard has informed its Members that they are responsible for providing Consumers with access to the Personal Data and the right to correct, amend or delete the information where it is inaccurate. In these circumstances, Consumers should direct their questions to the appropriate Member. MasterCard requires its Members to establish appropriate procedures for handling requests by Consumers for access to and correction and deletion of Personal Data. When a Consumer is unable to contact the appropriate Member, or does not obtain a response from the Member, MasterCard will provide the necessary assistance in forwarding the individual's request to the appropriate Member.
MasterCard takes reasonable precautions to protect Consumer Personal Data from loss, misuse and unauthorised access, disclosure, alteration and destruction.
MasterCard takes reasonable steps to ensure that the Consumer Personal Data the company processes is (i) relevant for the purposes for which it is to be used, (ii) reliable for its intended use and (iii) accurate, complete and current. MasterCard depends on the relevant Consumers and MasterCard's business customers to update and correct Personal Data to the extent necessary for the purposes for which the information was collected or subsequently authorised by the individuals. Consumers may contact MasterCard as indicated below to request that MasterCard update or correct their Personal Data.
In addition, MasterCard has informed its relevant Members that they are responsible for taking reasonable steps to ensure that the Consumer Personal Data they process is reliable for its intended use and is accurate, complete and current.
Enforcement and Oversight
MasterCard has established procedures for periodically verifying implementation of and compliance with the Safe Harbor principles. MasterCard conducts an annual self-assessment of its Consumer Personal Data practices to verify that the attestations and assertions the company makes about its privacy practices are true and that the company's privacy practices have been implemented as represented.
Consumers may file a complaint concerning MasterCard's processing of their Personal Data with MasterCard's Global Privacy and Data Usage Office, whose contact information is below. If the complaint cannot be resolved through MasterCard's internal processes, MasterCard will co-operate with JAMS pursuant to the JAMS International Mediation Rules, which are accessible on the JAMS website at www.jamsadr.com/rules-international-rules. MasterCard will take steps to remedy any issues arising out of a failure to comply with the Safe Harbor principles. Please contact MasterCard as specified below to address any complaints regarding the company's Consumer Personal Data practices.
In circumstances in which MasterCard receives Personal Data about Consumers with whom MasterCard does not have a direct relationship, Consumers may submit complaints concerning the processing of their Personal Data to the relevant Member, in accordance with the Member's dispute resolution process. MasterCard will participate in this process at the request of the Member or the Consumer. If the issue cannot be resolved through the Member's internal dispute resolution mechanism, the Consumer may submit the complaint to JAMS for mediation pursuant to the JAMS International Mediation Rules.
JAMS mediation may be commenced as provided for in the JAMS International Mediation Rules. The mediator may propose any appropriate remedy, such as publicity for findings of non-compliance, payment of compensation for losses incurred as a result of non-compliance or cessation of processing of the Personal Data of the Consumer who has brought the complaint. MasterCard will assume the costs of the administrative fees if the mediator makes a written recommendation that finds MasterCard in breach of its duties pursuant to the Safe Harbor. The mediator or the Consumer also may refer the matter to the U.S. Federal Trade Commission, which has Safe Harbor enforcement jurisdiction over MasterCard.
How to Contact MasterCard
Global Privacy & Data Usage Officer
2000 Purchase Street
Purchase, New York 10577