Privacy Notice

VISA CONCIERGE PRIVACY NOTICE

Last updated as of: November 2020


Thank you for using the Visa Concierge website or mobile app. Visa Concierge is a concierge service intended to enhance your Visa cardholder experience. Visa Worldwide Pte Limited ("Visa," " us ," " we " or similar pronoun) owns and operates the Visa Concierge website and mobile app (“Platform”) itself or through third party service providers on behalf of the issuer of your Visa card (“Issuer”).

Visa Concierge is described in more detail in the Visa Concierge Terms of Service at www.concierge-asia.visa.com/terms-and-conditions. We highly value and respect the privacy of the personal information we obtain from you in connection with your use of Visa Concierge, including your name, address, account numbers and other information that can be used to individually identify you (collectively, " Personal Information ") and we have created this privacy notice (the " Privacy Notice ") to inform you about how we collect, use and share your Personal Information, and our privacy practices in general. As used in this Privacy Notice, the term “Visa Concierge” includes the Platform and any other Visa concierge channels operated by Visa or its third party providers that reference this Privacy Notice. As described in this Privacy Notice, Visa Concierge uses information that we obtain from you in connection with your use of Visa Concierge and from other third parties to enable you to participate in and take advantage of the various Visa Concierge features and functionality, for our own internal analysis, and to make Visa Concierge and our other programs and features more useful and interesting to you. Please note that your Issuer’s privacy policy may also apply to any Personal Information collected via the Platform.

Applicability of this Privacy Notice

This Privacy Notice applies solely to Personal Information we collect through the Platform. This Privacy Notice does not apply to information collected by other third parties through other means, such as by merchants through their merchant-owned or -operated websites or by third parties through social networking platforms.

This Privacy Notice is specific to the Visa Concierge services. Further details of Visa’s use of personal information more generally and Visa’s Global Privacy Notice are available at https://usa.visa.com/legal/privacy-policy.html

A special note about minors

Visa Concierge is not available to minors below the legal age of majority and Visa does not knowingly collect Personal Information from such minors.

NOTICE

Information Visa collects:

Visa may collect information in a number of ways in connection with Visa Concierge, including, without limitation, as follows:

When you enroll in Visa Concierge, set up a Visa Concierge account (" Account ") and make changes from time to time, we will collect the Personal Information you voluntarily choose to provide, such as your name and mailing, shipping and email addresses, phone numbers, birthdates, driver’s license numbers, and passport numbers. We may also collect your security questions and answers, username, password and other demographic information and preferences.

We collect credit, debit, prepaid or other payment card or other financial account information you provide to us in connection with Visa Concierge (" Card Details ").

We collect rewards program numbers, frequent flyer numbers, and other loyalty program numbers you provide to us in connection with Visa Concierge (“Loyalty Numbers”).

When you make a purchase through Visa Concierge or you otherwise provide purchase information to Visa Concierge, we may collect certain purchase and shipping tracking information.

When you ask us to send goods or services to a third party (“friend”), we collect certain personal information about your friend for the purpose of providing the fulfilling your request. If you are going to provide personal data of any friend to us as part of the Service, you will ensure that the third party is aware of this Privacy Notice. Where we require consent in respect of certain use of any personal data, including your or any other third party's personal data, you will consent or will have obtained the corresponding consent from such third party before you provide the personal data to us.

When you ask us a question, we collect email address or other contact information you choose to provide.

We collect information you voluntarily submit when participating in one of our various services, programs or surveys.

HOW VISA USES YOUR INFORMATION:

To process your requested transactions and bookings.

To send you Visa Concierge promotional emails and offers through your mobile device.

To email or message you with important information and updates about Visa Concierge and your Visa Concierge Account, including confirmation of transactions and bookings.

To generally provide the features and functionality of Visa Concierge to you.

To conduct surveys.

To respond to questions and comments.

To improve, enhance and tailor Visa Concierge for you, and to improve and enhance the overall Visa Concierge experience for all Visa Concierge users.

TO WHOM VISA DISCLOSES YOUR PERSONAL INFORMATION:

Visa may disclose to third parties all categories of Personal Information  that it collects as follows:

To Your Issuer: Since Visa operates the Website on behalf of your Issuer, we may disclose your Personal Information to your Issuer.

Provision of Services: We disclose your Personal Information to third parties where necessary to provide Visa Concierge services to you.

At Your Request: We disclose your Personal Information to a third party whenever you request us to do so.

Business transfers: If a third party acquires all or substantially all of Visa's assets, your Personal Information, aggregated information, and any other information that we have collected in connection with Visa Concierge may be transferred to such third party as part of our business assets. Also, if any bankruptcy or reorganization proceeding is brought by or against us, all such information may be considered one of our assets and may be sold or transferred to third parties.

Disclosure of Personal Information for legal purposes and protection of Visa and others: We reserve the right to share your Personal Information with third parties if required to do so by law, or if we believe such action is necessary in order to: (1) conform to the requirements of the law or comply with legal process served upon us; (2) protect or defend our legal rights or property, Visa Concierge, or our users; or (3) investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or violations of the Visa Concierge Terms of Service.

Service Providers: We use third-party service providers to perform certain services on our behalf, such as processing, storing, maintaining and transmitting data, processing and fulfilling email and other promotional campaigns, and providing marketing assistance, web analytics and data analysis. We may provide your Personal Information to these third-party service providers when the information is necessary for them to perform their duties. These third-party service providers are contractually restricted from using Personal Information for any other purpose and required to comply with all applicable laws with respect to the Personal Information they receive.

Government Agencies: We will disclose your Personal Information to a government agency if required to do so by law.

As Otherwise Permitted By Law. We may disclose your Personal Information to third parties as otherwise permitted by applicable law.

Automatically collected non-Personal Information:

When you use Visa Concierge, we also may collect certain standard information from your browser and personal computer that websites often collect, such as your IP address, your browser information (including browser type, capabilities and language), your operating system and the date and time you accessed Visa Concierge. We also capture the country from which the visit came and the paths taken as you move from one website or webpage to another website or webpage (i.e., your "click stream" activity). We may use certain or all of this information to identify you in future visits to the Platform. We may group some or all of this information into aggregate data in order to describe the use of Visa Concierge by our users to our existing or potential business partners, sponsors, advertisers or other third parties, or in response to a government request. We may also group demographic information that we collect from Visa Concierge users into aggregate data for the same purposes. We reserve the right to use and share any such non-Personal Information with third parties for any lawful purpose.

Except for the purpose of identifying you in future visits to the Platform, Visa does not typically associate such non-Personal Information with any individual. However, to the extent Visa associates your Personal Information with non-Personal Information within our database, we will treat all the associated information as Personal Information under this Privacy Notice. Except as noted in this Privacy Notice, we do not share this associated information with third parties.

Browsing and the use of cookies, Web beacons and other tracking technologies; mashups and log

Visa uses cookie technology as part of Visa Concierge’s statistical reporting and for other purposes related to making Visa Concierge available to you. A cookie is a small piece of information sent by a website that is saved on your hard disk by your computer's browser. It holds information a website may need to personalize your experience (such as, rotating images on the home page of the website).

We also utilize cookies to identify if you are logged into your Visa Concierge Account, including for purposes of providing certain features of Visa Concierge to you. Cookies may be operable for varying periods of time, depending on the Visa Concierge feature or features with which they are associated. If you prefer, you can configure your browser to reject all cookies, or to notify you when a cookie is set. Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie and privacy preferences. However, if you reject cookies, your use of Visa Concierge will be materially impaired or may altogether preclude your use of Visa Concierge.

A Web beacon is an electronic image, also called a single-pixel or clear GIF, placed in the code of a webpage or in emails. The Platform uses Web beacons to track traffic patterns of users as they navigate from one page to another. This information lets us tune and improve our users' browsing experience. The information that Web beacons collect is aggregated, anonymous "click stream" data, and is not associated with you as an individual.

We also use Web beacons through a third party website analytics provider, as well as standard Web server log files, to help us count visitors and evaluate the Platform’s technical capacity. This information tells us how many people visit the Platform, and helps us decide how to arrange pages in the most user-friendly way. This also helps us keep the Platform browser/mobile-friendly and more useful to our users. We record information on Platform traffic, but not on individual visitors to the Platform, so no Personal Information about you will be kept or used.

LOCATION-BASED SERVICES:

The Platform may offer certain location-based services to you. You understand that these location- based features require the location details of your mobile device to function properly and your use signifies your agreement to use your location for purposes of the service. If you do not want the Platform to use location-based information, please refrain from using a location based service or click "DON’T ALLOW" when your mobile device requests your location-based information. If location-based information has been enabled on your mobile device, you may choose to disable this at any time by accessing the User Settings on your mobile device. Except as set forth in this Privacy Notice, your location will not be shared with third parties without your specific consent.

SURVEYS:

From time to time, Visa may conduct surveys through the Platform using a third-party service provider. If you choose to participate, unless otherwise noted in the applicable rules, terms and conditions, or disclaimers, we may use the information you provide to publish survey results in aggregate on the site. Except where necessary to administer the survey, unless you have otherwise agreed or unless required by law, we will not share or publish any response you give connected to your name or address. We will hold these responses only as anonymous statistics.

Questions and Comments via Email:

When you send us a comment or question via email, we use your email address to thank you for your comment or reply to your question. We store your communication and our reply in case we correspond further. Beyond our initial reply, we will not use your email address to send you any unsolicited message or information, nor will we share it with, or sell it to, anyone else for such use, other than as specified in this Privacy Notice.

Third party websites, content and resources:

Please be aware that when you are using Visa Concierge, you could be directed via hyperlinks or other means to third party websites, content and resources that are not affiliated with Visa Concierge. You may also have the opportunity to transmit data from Visa Concierge to another website, or receive data through Visa Concierge from another platform, without leaving the Platform (for example, if you choose to share an offer by posting it at or through a social networking platform). These third party websites, content and resources may send their own cookies to visitors, collect data or solicit and use your Personal Information in ways different than set forth in this Privacy Notice. The privacy policies of these third party websites, content and resources may be very different from this Privacy Notice. We are not responsible for the privacy practices of the providers of these other websites, content and resources and cannot guarantee the security of any of your Personal Information collected, used or shared there.

Our policy regarding selling or renting of Personal Information:

It is our policy not to sell or rent your Personal Information to any third parties, except in the event of a bankruptcy or reorganization, or a sale of all or substantially all of our assets, as further provided in this Privacy Notice.

YOUR PRIVACY RIGHTS AND CHOICES:

You can direct us not to share your Personal Information with third parties and opt out of receiving emails by sending an email to privacy@concierge-asia.visa.com.

You can cancel your enrolment by emailing us at privacy@concierge-asia.visa.com. If you choose to cancel your enrolment and your Account is no longer accessible, we still may retain and use your Personal Information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

HOW YOU CAN ACCESS AND EDIT YOUR PERSONAL INFORMATION:

You can review or modify your Personal Information at any time by accessing the My Profile or Settings section on the Platform. You can also submit a request to edit your Personal Information at any time by sending an email to privacy@concierge-asia.visa.com and requesting the change.

BANNERS AND OTHER ADVERTISEMENTS ON THE PLATFORM:

The Platform may display banners and other advertisements that may be placed by third parties. Such advertisers may collect non-Personal Information when you click or scan one of their advertisements, by placing cookies on your computer or by using other technology. We encourage you to review the privacy policies of any such third parties. In addition, we may share aggregate information about our visitors to third-party ad servers or potential advertisers in order to provide advertisements on the Platform about products and services that may be of interest to you.

HOW WE PROTECT THE SECURITY OF YOUR PERSONAL INFORMATION:

The security of your Personal Information is very important to us, and we are committed to protecting the Personal Information we collect. We maintain physical, electronic and procedural safeguards that comply with applicable privacy and data security laws and regulations to protect your Personal Information. Unfortunately, no transmissions or data available through the Internet can be 100% secure and, accordingly, we cannot guarantee or warrant the security of any Personal Information or other information you provide to us. As with any transmission over the Internet, such data may be accessed by unauthorized parties. You should always log out of the Platform after you have finished using Visa Concierge or are not using your device in order to minimize the chance of others accessing your Account.

CONSENT TO TRANSFER OF DATA:

Please note that information collected via the Platform may be stored and processed in other countries, including the United States, which may have different data protection laws than the country you reside in. You consent to our storage and processing of this information in the United States and other countries by using the Platform.

In order to provide the Visa Concierge services, we will be sharing your Personal Information with our Concierge service provider Aspire Lifestyles APAC Pte. Ltd.  (“Aspire.”). Aspire will capture, store and manage your Personal Information as a third party supplier of Visa.

Further, Aspire may share your data with other 3rd party providers to enable or allow the provision of requested services to you. This includes and is not limited to merchants providing dining, travel, shopping and other services.

PRIVACY NOTICE UPDATES:

This Privacy Notice was updated on the "Last Updated" date noted above. We continually strive to find new ways to enhance Visa Concierge and Visa reserves the right to change, modify, or amend this Privacy Notice from time to time to reflect changes in our privacy practices. You are encouraged to review this Privacy Notice periodically and to check the "Last Updated" date at the top of this Privacy Notice for the most recent version to inform yourself about how your Personal Information is collected, used and shared when you use Visa Concierge. To the fullest extent under applicable law, your use of Visa Concierge after the "Last Updated" date means you are subject to Privacy Notice then in effect.


CONTACT US:

If you have any questions or comments about this Privacy Notice, our privacy practices or the way either of them affects you, please email us at privacy@concierge-asia.visa.com or write to us at:


Address:

Visa Worldwide Pte Limited

71 Robinson Road #08-01

Singapore 068895

Attention: Regional Privacy Counsel