Privacy Policy

This Privacy Policy covers Visa Worldwide Pte. Limited’s ("Visa") treatment of personally identifiable information (" Personal Information") and other data that Visa gathers when Users access the Visa Explore App (the "App") and its related services and functionalities (collectively the "Services"). For the purposes of this Privacy Policy:

  • "access" means download, use, browse or access
  • "User" means any person who accesses the App
  • "Registration Information" means the Compulsory Information and Personal Information provided by a User for the purpose of registration under the Visa Travel Happy Site (“Site”), if applicable, all as defined in the Terms of Use of the Site found at www.visatravelhappy.com
  • "Social Network Account" means any social network account (such as but not limited to Facebook or Twitter account)

1. COLLECTION AND USAGE OF PERSONAL INFORMATION

1.1 Visa may receive and store any Personal Information that a User enters while accessing the App or using the Services, or which a User provides to Visa in any other way. Personal Information will or may include:

  • Registration Information
  • User name, profile of a User and User’s friend list on Social Network Accounts which the User links to his/her registration under the App
  • Other personal information regarding a User’s use of the Services, and browser information

1.2 Personal Information provided by Users will be used by Visa for such purposes:

  • allowing User to customize and set up a user profile that can be used to interact with other users through the App,
  • improving the content of the App,
  • customizing the advertising and content on the App,
  • communicating with User about specials and new features of the App,
  • operational and logistical notifications, and
  • communicating with User about Visa-related offers (through App functionalities such as banners, alerts, notifications and others).

1.3 Visa may also draw upon this Personal Information in order to

  • adapt the Services to user needs,
  • research the effectiveness and benefits of the App and Services, and
  • develop new tools on the App.

1.4 Visa employs, or may employ, other companies and people (“Visa Vendors”) to perform the above tasks on Visa’s behalf and Visa may need to share a Users’ Personal Information with them in order to do so. Visa however will not give Visa Vendors the right to use or keep any User’s Personal Information beyond what is necessary to assist Visa for these purposes, and Visa will require undertakings from Visa Vendors to provide a comparable level of protection for Users’ Personal Information, unless a longer period is required or permitted by law.

1.5 When a User accesses the App or uses the Services, Visa automatically receives and records information on Visa’s server logs from User’s browser or mobile app, including User location, IP address, cookie information, and the page requested by User. Visa also uses session data, collected through cookies (as explained in Clause 3 below) and pixel tags, to better understand how the App is navigated, how many visitors arrive at specific pages, the length and frequency of stays at the App, the variety of searches of the App’s database, the types of mobile phones used by visitors to the App and the internet protocol addresses from which visitors connect to the App. Visa treats all data obtained from the foregoing activities listed in this Clause 1.5 as non-Personal Information, except where Visa is required to do otherwise under applicable law. Visa may provide aggregate information to Visa’s partners (banks or merchants) about how Users collectively, use the App and the Services, so that Visa’s partners may be aware of frequency, numbers and activities of the Users on the App as well as understand how often people use the App and Services. However, for the avoidance of doubt Visa will not make specific identity references to any User in the provision of such aggregate information to its partners under this Clause 1.5.

1.6 Visa will neither rent nor sell User’s Personal Information to anyone. Visa may share User’s Personal Information only as described in this Privacy Policy.

1.7 Users may choose not to provide Visa Personal Information when Users use the Site or the Services. However if the information request is not identified as optional and Users choose to not provide required Personal Information, then Users may not be able to use features of the Site and the Services.

2. SHARING OF PERSONAL INFORMATION

2.1 If a User has linked his/her Social Network Account to the App (during the registration process or at any time thereafter), then the User’s “friends” on the linked accounts may see the location and time of User’s trips shared, list of Travel Experiences, “DID THIS” and other information such as offers saved. Individuals reading this information may use it or disclose it to other individuals or entities without Visa’s control and without User’s knowledge.

2.2 Once User has shared his/her travel experiences or entire trips on the App, User is aware that the following information will or may become public(as and when this function is used or available on the App):

  • Trip Name
  • Location and duration
  • Total cost of the trip
  • Price range
  • Trip type
  • Offers & ATMs saved
  • Travel Badges

2.3 The App and Services also have, or may have in future, features that may allow a User to share his/her information with others. User understands that that if User chooses to provide personal information using such features of the App or Services, then User’s information shared may be available to the wider Visa community, or may be published on the Visa website, which is subject to indexing by third party search engines.

2.4 If User visits any third-party websites that are linked from the App, or uses any third-party applications linked to or connected to the App, User understands and acknowledges that certain Personal Information of User may be retrieved or tracked (by automated or other means) by third-party website owners or applications developers, over which Visa may have no control and Users should review such third party website’s or application’s privacy policy. Visa shall not be responsible in this regard, and makes no representation or guarantee that such third parties will protect the User’s Personal Information or follow Visa’s Privacy Policy.

2.5 If Visa or substantially all of its assets are acquired, or in the unlikely event that Visa goes out of business or enters bankruptcy, User understands and agrees that his/her Personal Information may be transferred to or acquired by the relevant third party acquirer or liquidator . Users also understand and agree that prior to the consummation of any such transactions, their Personal Information may also be shared by Visa for purposes of facilitating such transactions.

2.6 Visa may disclose Personal Information of any User, including where necessary with other companies and organizations outside of the User’s country of residence, when Visa in good faith believes that such release is necessary to:

  • comply with the law, including laws outside the User’s country of residence;
  • enforce or apply the Terms of Use and any other agreements to which Visa or the User is subject;
  • protect the rights, property, or safety of Visa, our employees, other Users, or others; and
  • investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the safety of any person or violations of the terms and conditions of using the App.

3. COOKIES

3.1 The App may use cookie technology to improve user experience on the App and gather data for web site or mobile statistical reporting. Cookie technology does not capture individual email address or any Personal Information.

3.2 A cookie is a small piece of information sent by a web site or mobile app that is saved on a user’s hard disk by the user’s computer’s browser or on a user’s mobile phone. It holds information a site or an app may need to personalize a user’s experience and gathers web site or mobile statistical data, such as which pages are visited, what is downloaded, the Internet provider’s domain name and country that visitors come from and the addresses of sites visited immediately before and after coming to the website or mobile app. However, none of this is associated with a User as an individual and is measured only in aggregate.

3.3 To browse without cookies, a User can configure his/her browser or mobile phone to reject all cookies or to notify User when a cookie is set. (Each browser is different, so User should check the “Help” menu of his/her browser or mobile phone to learn how to change User’s cookie preferences.) A User’s experience of the website or App may be different if User sets his/her browser or mobile phone to block cookies.

4. SECURITY OF PERSONAL INFORMATION

4.1 Each User’s Personal Information is protected by a password for privacy and security. It is User’s responsibility to prevent unauthorized access to User’s account and Personal Information by selecting and protecting his/her User password appropriately, and limiting access to User’s computer and browser by signing off after User has finished accessing his/her account.

4.2 Visa uses security technologies including firewalls and secure socket layers to help protect the Personal Information Visa collects from Users. Visa's policies restrict access to Personal Information to those employees and service providers who need to know the information in order to provide Users with the Services. Visa uses its best endeavours to maintain physical, electronic and procedural safeguards to protect Personal Information.

4.3 While Visa endeavours to safeguard each User’s Personal Information to ensure that each User’s account information is kept private, as described in Clause 4.2 above, Visa cannot guarantee the security of User’s account information. Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of User information at any time and User understands, acknowledges and assumes this risk.

5. INTERNATIONAL USERS

Users located outside of Singapore should note that the App’s database is hosted on computer servers in Singapore. Accordingly, Users’ information may be processed and stored in Singapore. As a result, the Singapore government, courts, or law enforcement or regulatory agencies may be able to obtain disclosure of Users’ information through laws applicable in Singapore. User’s use of the App or the submission of any Personal Information to or via the App will constitute User’s consent to the transfer of his/her Personal Information outside of User’s home country, including Singapore, which may provide for different data protection rules than in User’s home country.
As User’s information will be processed and stored in Singapore, Visa personnel, its related companies and companies controlled by Visa Inc. (“Visa Related Companies”), Visa’s partners and/or Visa Vendors located outside of Singapore who need to access and/or use Users’ information in accordance with this Privacy Policy will or may access Users’ information remotely from their respective countries.

6. USER ACCESS OF OWN PERSONAL INFORMATION
Visa allows each User to access the following information previously submitted or recorded on the App about himself/herself for the purpose of viewing, and in certain situations, updating that information and ensuring that it is accurate and complete:

  • Name
  • Countries
  • Cities
  • Mobile phone numbers
  • Email addresses
  • Password
  • Visa card types
  • Interest Categories
  • Communication preferred
  • Linked Social Network Account

User can access the above information about himself/herself on the App by visiting the User Profile page. Users may contact Visa at the email address at the bottom of this policy to request access to or that we update, or correct the Personal Information. Visa is not responsible for permitting Users to access or edit Personal Information that the User provides to a third party, including any app, social media platform, or wireless service provider.

7. DELETION OF ACCOUNT/ INFORMATION BY USER

7.1 Should a User decide to delete his/her user account from the App or the Site, User may do so by clicking on the "delete account" link on “Edit Profile Page” after logging into the Site. User understands that by deleting his/her account, his/her account details including profile, travel history (including DID THIS), travel badges received, User Submissions (as defined in the Terms of Use) and any promotional offers received by User, will be no longer retrievable/accessible or editable by the User. Visa will take all practicable steps to delete the Personal Information which it no longer requires for the purposes outlined in Clauses 1.2 and 1.3 above. However, all information and activity previously posted or embedded onto the App by the User prior to the deletion of his/her account (such as but not limited to “DID THIS” posted by the User, and all trips or experiences submitted by the User) may remain and may show up in any search performed on the App (but will not be linked to a user name). Accordingly, Visa makes no representation or warranty that content or actions previously posted or embedded onto the App by the User will be removed by an account deletion. User acknowledges and understands the rights which Visa retains in respect of such contents, as such rights are specified in the Terms of Use.

7.2 Even after User has removed information from his/her account or profile, copies of that information may remain viewable elsewhere, to the extent it has been shared with others, it was otherwise distributed pursuant to User’s privacy settings, or it was copied or stored by other users.

8. INACTIVE ACCOUNT ON THE SITE

Inactive users who have not signed in to the Site with their User ID for a substantial period of time (for example, 2 years or such other period as may be determined by Visa in its discretion) may be prompted by Visa (via email reminder to the registered email account) to log in to the Site. Further email reminders will be sent in the event that the User remains inactive, with intervals of approximately 30 days. Visa reserves the right to delete the User’s account (without further reference or notice to the User) after 3 email reminders have been sent and User remains inactive for 30 days after the last email reminder, and the consequences of such deletion will be similar to an own deletion by User under clause 7 above.

9. CHANGES TO PRIVACY POLICY

Visa may amend this Privacy Policy from time to time in its sole and absolute discretion. The terms governing use, collection and storage of Personal Information will be the terms prevailing at the time when such Personal Information is submitted or provided in any other way to Visa by the User. If Visa makes material changes in the Privacy Policy, Users registered at the time of such changes will be notified by Visa posting an announcement on our App or sending such Users an email. Users are bound by any changes to the Privacy Policy when they use the App or any of the Services after such changes have been first notified.

10. QUESTIONS AND CONCERNS

Users who have any questions or concerns regarding this Privacy Policy may send their queries via email to visatravel@visa.com or write to us at: P.O. Box 194607, San Francisco, CA 94119-4607 Attention: Global Privacy Office.

 

隐私政策

本隐私政策涵盖Visa环球私人有限公司（“Visa”）处理个人识别信息（“个人信息”）和Visa通过用户使用Visa Explore应用软件（“本应用软件”）搜集的其它数据和其相关的服务和功能（统称“服务”）。隐私政策名词解释：

  • “使用”指下载、使用、浏览或进入
  • “用户”指任何
  • “注册信息”指用户在Visa快乐旅行网站（“网站”）注册而提供的强制信息和个人信息，如果适用，见www.visatravelhappy.com网站使用条款的定义。
  • “社交网络账户”指任何社交网络账户（包括但不限于Facebook或Twitter账户）

1. 个人信息收集和使用

1.1 Visa可能接收和储存用户使用本应用软件或服务，或用户通过其他方式向Visa提供的个人信息。个人信息可能包括：

  • 注册信息
  • 用户名、用户资料和用户在注册本应用软件时关联的社交网络账户的好友列表
  • 其他个人信息与用户使用服务和浏览器信息有关

1.2 用户提供的个人信息将被Visa用于以下用途：

  • 允许用户自定义或创建用户资料以与本应用软件其他用户互动
  • 改进本应用软件内容
  • 定制本应用软件广告和内容
  • 与用户沟通本应用软件新特点和新功能
  • 操作和后勤通知
  • 与用户沟通Visa相关优惠（通过本应用软件的功能如横幅、提示、通知和其它）

1.3 Visa有可能利用个人信息以

  • 使服务满足用户需求
  • 研究本应用软件和服务效果和效益
  • 在本应用软件上开发新工具

1.4 Visa雇佣，或可能雇佣，其它公司和个人（“Visa供应商”）代表Visa完成上述任务，为完成上述任务Visa可能会与供应商分享用户个人信息。但是，Visa不会给予Visa供应商为协助Visa完成任务需要使用或保留用户个人信息之外的信息权限，Visa要求Visa供应商保证其将对用户的个人信息提供相当程度的保护，除非法律要求或允许其保留较长一段时间。

1.5 当用户使用本应用软件或使用服务时，Visa从用户的浏览器或移动应用软件自动获取和记录信息至Visa服务器日志，信息包括用户位置、IP地址、cookie信息和用户页面请求信息。Visa还会使用通过cookies（如下方条款3所解释）和网络信标采集的会话数据，以更好地了解本应用软件是如何被使用的，特定页面的访客数量，用户在本应用软件停留的时长和频率，搜寻本应用软件数据库的种类，访问本应用软件的访客使用移动电话的型号和访客接通本应用软件的互联网通信协议地址。Visa视条款1.5中提及的活动中采集的信息为非个人信息，除非Visa被要求否则受适用法律约束。Visa可能向Visa的合作伙伴（银行或商户）提供关于用户整体如何使用本应用软件和服务的聚合信息，因此Visa的合作伙伴可能了解用户使用本应用软件的频率、用户数量和活动，以及了解用户使用本应用软件和服务的频率。但是，为避免疑义，Visa在根据本条款1.5向合作伙伴提供聚合信息时不会对任何用户作特别识别参考。

1.6 Visa不会向任何人出租或出售用户个人信息。Visa仅会按照隐私条款中描述的情况提供用户个人信息。

1.7 当用户使用网站或服务时，用户可以选择不向Visa提供个人信息。但是，如果要求提供信息时未注明该信息为可选项，而用户选择不提供要求提供的信息，这时，用户可能无法使用网站或服务的功能。

2. 个人信息分享

2.1 如果用户（在注册环节或在之后的任何时间）在本应用软件上关联了其个人社交网络账户，那么用户关联的账户上的“好友”可能看到用户分享的旅行地点和时间，旅行体验列表，“已尝试”和其他信息如保存过的优惠信息。他人在阅读该信息后可能受用或向其他个人或团体披露该信息，这不受Visa控制，也不会向用户通知。

2.2 一旦用户在本应用软件上分享其旅行体验或整个行程，用户了解以下信息将会或可能会被公开（无论是以什么方式和什么时候在本应用软件上使用过该功能）：

  • 行程名称
  • 地点和时长
  • 行程总花费
  • 价格范围
  • 行程类型
  • 保存过的优惠和ATM
  • 旅行徽章

2.3 本应用软件和服务可能有，或将来有可能有，允许用户与他人分享信息的功能。用户明白如果用户选择使用本应用软件或服务的这类功能向他人提供信息，那么用户分享的信息可能被更广泛的Visa群体获取，可能被发布在Visa网站，这是受第三方搜索引擎索引导致。

2.4 如果用户通过本应用软件链接的网址访问第三方网站，或使用第三方应用软件链接到本应用软件，用户明白并承认用户某些个人信息可能被第三方网站所有者或应用软件开发者找回或跟踪（自动或通过其他方式），对此Visa无法控制，且用户应查阅该第三方网站或应用软件的隐私政策。Visa对此不负有任何责任，也不会就第三方会保护用户的个人信息或遵守Visa隐私条款作任何声明或保证。

2.5 如果Visa被收购，或发生不可能发生的情况如Visa停业或破产，用户明白并同意其个人信息可能被转移至相关第三方收购者或清算人（或类似权利人）。用户也明白并同意在完成此类交易前，Visa出于促成此类交易之目的，也可能会与他方分享其个人信息。

2.6 Visa如有需要，可能向用户居住国之外的其它公司或组织披露任何用户的个人信息，或当Visa坚信披露信息必要时：

  • 遵守法律，包括用户居住国之外的法律；
  • 执行或应用软件制约Visa或用户的使用条款和其他协议；
  • 保护Visa权利、财产或其安全，Visa员工，其他用户或其它；以及
  • 对非法活动、疑似欺诈、对他人有潜在威胁的情况或违背使用本应用软件的条款与细则进行调查、阻止或采取行动。

3. COOKIES

3.1 本应用软件可能使用cookie技术以提高用户体验，并为网站或本应用软件的数据报告采集信息。Cookie技术不获取个人电子邮箱地址或任何个人信息。

3.2 Cookie就是网站或移动应用软件发送的信息，该信息由用户电脑浏览器或用户手机储存在硬盘。它包含网站或移动应用软件为用户提供个性化服务的所需信息，在用户访问网站或移动应用软件之前或之后，搜集网站或移动应用软件统计数据，如访问的网页、下载内容、互联网提供商的域名、用户所在国家和访问网站的网址。但是，这些信息不会与用户个人产生联系，只是聚合统计。

3.3 如果不想启用cookie浏览，用户可以设置其浏览器或手机禁用cookie或发送cookie时通知用户。（每款浏览器都是不同的，因此用户需检查其浏览器或手机中的“帮助”以了解如何更改cookie偏好。）如果用户设置其浏览器或手机禁用cookies，用户的网站或移动应用软件体验可能不同。

4. 个人信息安全

4.1 为隐私和安全起见，每位用户的个人信息都受密码保护。用户有责任阻止未经授权进入其账户和获取个人信息，用户可正确地设置和保护其密码，通过访问账户完毕后退出登录，限制他人进入用户电脑和浏览器。

4.2 Visa使用防火墙、安全套接字层（SSL）等安全技术保护Visa从用户收集的个人信息。对于那些只有了解信息才能为用户提供服务的员工和服务提供商，其对个人信息的访问也受到Visa政策的限制。

4.3 如上方条款4.2 所述，Visa一直致力于保证用户个人信息安全，以确保每位用户的账户信息保持私密，但Visa无法保障用户账户信息的安全。未经授权登录或使用、硬件或软件故障和其他因素，随时可能导致用户信息不安全，用户明白、承认并承担此风险。

5. 国际用户

位于新加坡以外的用户应注意，该应用软件的数据库位于新加坡的计算机服务器上，因而用户的信息在新加坡进行处理和存储。因此，新加坡政府、法院、执法部门或监管机构可能通过适用的新加坡法律披露用户信息。用户使用该应用软件，通过该应用软件提交任何个人信息，或将任何个人信息提交至该应用软件，都默认用户同意将个人信息转移至用户所在国以外（包括新加坡），他国的数据保护规则可能会与用户所在国不同。
鉴于用户信息在新加坡进行处理和存储，位于新加坡以外的Visa人员、Visa Inc.控制的公司或相关公司（“Visa相关公司”）、Visa合作伙伴和/或Visa供应商若需访问和/或使用用户信息，可在该隐私政策的约束下在所在国远程访问用户信息。

6. 用户访问个人信息
Visa允许用户访问并查看之前提交或此前在应用软件上有所记录的如下信息，并在特定情况下，允许用户更新以下信息以保证信息的准确和完整。

  • 姓名
  • 国籍
  • 城市
  • 手机号码
  • 电子邮箱地址
  • 密码
  • Visa卡类别
  • 兴趣类别
  • 首选通信方式
  • 关联的社交网络账户

用户可通过浏览应用软件的“用户资料”页面，查看上述个人信息。用户可以通过本政策下方的电子邮件地址与Visa联系，请求访问自己的信息或请求Visa更新或更正其个人信息。Visa不负责允许用户访问或编辑用户向第三方提供的个人信息。

7. 用户删除账户/信息

7.1 用户若想从应用软件或网站删除个人账户，可登录该网站，点击“编辑个人资料页”中的“删除账户”链接。用户需知晓，删除个人账户后，包括个人资料、旅行记录（包括“已尝试”）、所获得的旅行徽章、用户提交的信息（见使用条款项下的定义）和其他用户收到的优惠信息在内的账户信息，都将无法进行检索/访问或编辑。如果个人信息不再适用于上述条款1.2和1.3所述之目的，Visa 将采取一些可行步骤，删除个人信息。然而，所有用户删除账户前发布或嵌入应用软件的信息及活动（包括但不限于用户发布的“已尝试”，以及提交的所有用户体验），可能会在该应用软件上进行的任何搜索结果中显示（但不会链接到用户名）。因此，Visa并不作任何声明或保证，删除账户后，此前发布或嵌入应用软件的内容或行动也会被删除。用户承认并了解Visa保留关于此内容之权利，而此权利如使用条款所规定。

7.2 即使用户已经删除个人账户或个人资料，若上述信息已与他人共享，按照用户的隐私设置进行了分配，或者被其他用户复制或存储，则上述信息副本仍可能在别处可见。

8. 网站闲置账户

在相当长的一段时间内（如两年，或Visa自行决定的其他期限），没有使用用户ID登录到该网站的闲置用户，Visa可提醒用户（发邮件至注册邮箱账户进行提醒）登录网站。若用户在收到邮件约30天后仍未激活，Visa会再发邮件提醒。三次邮件提醒30天后用户仍未激活，Visa有权删除该用户账户并且不再向用户发邮件通知，上述删除的效力等同于用户按照条款7的要求自行删除账户。

9. 隐私政策的变更

Visa可不时全权修改隐私政策。关于使用、收集和存储个人信息的条款，以用户将个人信息提交至或通过其他方式提供给Visa时的条款为准。若隐私政策发生重大变化，在此期间注册的用户会收到Visa官网发布的通知或邮件通知。用户在Visa首次做出上述变更后使用该应用软件或其任何服务时，应遵守隐私政策的任何变更条款。如果Visa对隐私政策进行重大改变，在这种变化的时候注册用户将收到由Visa张贴公布在我们的应用软件程序或发送此类用户的电子邮件。用户通过任何更改隐私政策的约束时，他们使用的应用软件程序或任何服务后，这种变化已经先收到通知。

10. 问题与疑问

若对该隐私政策持有任何问题或疑问，请发送电子邮件至 visatravel@visa.com 或发函至 P.O. Box 194607, San Francisco, CA 94119-4607，收件人为Global Privacy Office.