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.

 

隱私政策

本隱私政策涵蓋Visa環球私人有限公司（“Visa”）處理個人識別資料（“個人資料”）及Visa通過用戶使用Visa手機應用程式（“本應用程式”）搜集的其他數據和其相關的服務和功能（統稱“服務”）。隱私政策名詞解釋：

  • “使用”指下載、使用、瀏覽或進入
  • “用戶”指任何
  • “註册資料”指用戶在Visa快樂暢行網站（“網站”）註册而提供的强制資料和個人資料，若適用，見www.visatravelhappy.com 網站使用條款的定義。
  • “社交網絡賬戶”指任何社交網絡賬戶（包括但不限於Facebook或Twitter賬戶）

1. 個人資料收集和使用

1.1 Visa可能接收和儲存用戶使用本應用程式或服務，或用戶通過其他方式向Visa提供的個人資料。個人資料可能包括：

  1. 註册資料
  2. 用戶名、用戶資料和用戶在註册本應用程式時關聯的社交網絡賬戶的好友列表
  3. 其他與用戶使用服務和瀏覽器資料有關的個人資料

1.2 用戶提供的個人資料將被Visa用作以下的用途，如允許用戶自定義或創建用戶資料以及與本應用程式的其他用戶互動，改進本應用程式內容，定制本應用程式廣告和內容，與用戶溝通本應用程式新特點和新功能，操作和後勤通知，以及與用戶溝通Visa相關優惠（通過本應用程式的功能如橫額、提示、通知和其他）。Visa有可能利用個人資料以使服務滿足用戶需求，研究本應用程式和服務效果及效益，及在本應用程式上開發新工具。Visa雇用，或可能雇用，其他公司和個人（“Visa供應商”）代表Visa完成上述任務，爲完成上述任務Visa可能會與供應商分享用戶的個人資料。但是，Visa不會給予Visa供應商獲取協助Visa完成任務所需資料以外資料的權限，Visa要求Visa供應商保證其將對用戶的個人資料提供相當程度的保護。

1.3 當用戶使用本應用程式或使用服務時，Visa從用戶的瀏覽器或手機應用程式自動獲取和記錄資料至Visa伺服器日誌，資料包括用戶位置、IP地址、cookie資料和用戶要求的頁面資料。Visa還會使用通過cookies和網絡信標收集的會話數據，以更妥善瞭解本應用程式如何被使用，特定頁面的訪客數量，用戶在本應用程式停留的時間和頻率，搜尋本應用程式數據庫的種類，訪問本應用程式的訪客使用手提電話的型號和訪客接通本應用程式的互聯網通訊協議地址。Visa視條款1.3中提及的活動中收集的資料爲非個人資料，除非Visa被要求否則受適用法律約束。Visa可能向Visa的合作夥伴（銀行或商戶）提供關於用戶整體如何使用本應用程式和服務的總合資料，因此Visa的合作夥伴可能瞭解用戶使用本應用程式的頻率、用戶數量和活動，以及瞭解用戶使用本應用程式和服務的頻率。但是，爲避免疑義，Visa在向合作伙伴提供總合資料時不會對任何用戶作特別的識別參考。

1.4 Visa不會向任何人出租或出售用戶個人資料。Visa只會按照隱私條款中描述的情况提供用戶個人資料。

2. 個人資料分享

2.1 如果用戶將本應用程式與其個人社交網絡賬戶連結，那麽用戶關聯的賬戶上的“好友”可能看到用戶分享的旅行地點和時間，旅行體驗列表，“已嘗試”和其他資料如儲存過的優惠資料。他人在閱讀該資料後可能受用或向其他個人或團體披露該資料，這不受Visa控制，也不會向用戶通知。

2.2 一旦用戶在本應用程式上分享其旅行體驗或整個行程，用戶瞭解以下資料將會或可能會被公開（無論是以甚麽方式和甚麽時候在本應用程式上使用過該功能）：

  • 行程名稱
  • 地點和時長
  • 行程總花費
  • 價格範圍
  • 行程類型
  • 儲存過的優惠和ATM
  • 旅行徽章

2.3 本應用程式和服務可能或將有可能，允許用戶與他人分享資料的功能。用戶明白如果用戶選擇使用本應用程式或服務的這類功能向他人提供資料，那麽用戶分享的資料可能被更廣泛的Visa群體獲取，可能被發佈在Visa網站，這是受第三方搜索引擎的索引所致。

2.4 如果用戶通過本應用程式連結的網址瀏覽第三方網站，或使用第三方應用程式連接到本應用程式，用戶明白並承認用戶某些個人資料可能被第三方網站所有者或應用程式開發者找回或追踪（自動或通過其他方式），對此Visa無法控制。Visa對此不負有任何責任，也不會就第三方會保護用戶的個人資料或遵守Visa隱私條款作任何聲明或保證。

2.5 如果Visa被收購，或出現罕見的情况如Visa停業或破産，用戶明白並同意其個人資料可能被轉移至相關第三方收購者或清算人（或類似角色的人）。

2.6 Visa如有需要，可能向用戶居住國家以外的其他公司或組織披露任何用戶的個人資料，或當Visa堅信披露資料必要時：

  • 遵守法律，包括用戶居住國家以外的法律；
  • 執行或應用程式制約Visa或用戶的使用條款和其他協議；
  • 保護Visa權利、財産或其安全，Visa員工，其他用戶或其他；以及

對非法活動、疑似欺詐、對他人有潜在威脅的情况或違背使用本應用程式的條款與細則進行調查、阻止或採取行動。

3. COOKIES

3.1 本應用程式可能使用cookie技術以提高用戶體驗，並爲網站或本應用程式的數據報告收集資料。Cookie技術不會獲取個人電郵地址或任何個人資料。

3.2 Cookie就是網站或手機應用程式發送的資料，該資料由用戶電腦瀏覽器或用戶手機儲存在硬盤。它包含網站或手機應用程式爲用戶提供個人化服務的所需資料，在用戶訪問網站或手機應用程式之前或之後，搜集網站或移動應用程式統計數據，如訪問的網頁、下載內容、互聯網提供商的域名、用戶所在國家和訪問網站的網址。但是，這些資料不會與用戶個人産生聯繫，只是總合統計。

3.3 如果不想啓用cookie瀏覽，用戶可以設置其瀏覽器或手機禁用cookie或發送cookie時通知用戶。（每種瀏覽器都是不同的，因此用戶需檢查其瀏覽器或手機中的“幫助”以瞭解如何更改cookie偏好。）如果用戶設置其瀏覽器或手機禁用cookies，用戶的網站或手機應用程式體驗可能不同。

4. 個人資料安全

4.1 爲隱私和安全起見，每位用戶的個人資料都受密碼保護。用戶有責任阻止未經授權進入其賬戶及獲取個人資料的行動，用戶可正確地設置和保護其密碼，透過自動退出已使用完畢的登入賬戶，及限制他人進入用戶電腦和瀏覽器。

4.2 Visa一直致力保證用戶個人資料的安全，以確保每位用戶的賬戶資料保持私密，但Visa無法保障用戶賬戶資料的安全。未經授權的登入或使用、硬件或軟件故障和其他因素，隨時可破壞用戶資料的安全性，用戶明白、承認並承擔此風險。

5. 國際用戶

新加坡以外的用戶應注意，該應用程式的數據庫位於新加坡的電腦伺服器上，因而用戶的資料是在新加坡進行處理和儲存。因此，新加坡政府、法院、執法部門或監管機構可能通過適用的新加坡法律披露用戶資料。用戶使用該應用程式，通過該應用程式提交任何個人資料，或將任何個人資料提交至該應用程式，都默認用戶同意將個人資料轉移至用戶所在國家以外（包括新加坡），他國的數據保護規則可能會與用戶所在國家不同。

鑒於用戶資料在新加坡進行處理和儲存，新加坡以外的Visa人員和/或Visa供應商若需訪問和/或使用用戶資料，可在該隱私政策的約束下在所在國遠程訪問用戶資料。

6. 用戶使用個人資料

Visa允許用戶使用並查看之前提交或此前在應用程式上有所記錄的如下資料，並在特定情况下，允許用戶更新以下資料以保證資料的準確和完整。

  • 姓名
  • 國籍
  • 城市
  • 手機號碼
  • 電子郵箱地址
  • 密碼
  • Visa卡類別
  • 興趣類別
  • 首選通訊方式
  • 已連結的社交網絡賬戶

用戶可通過瀏覽應用程式的“用戶資料”頁面，查看上述個人資料。

7. 用戶删除賬戶/資料

用戶若要從應用程式或網站删除個人賬戶，可登錄該網站，點擊“編輯個人資料頁”中的“删除賬戶”連結。用戶需知道，删除個人賬戶後，包括個人資料、旅行記錄（包括“已嘗試”）、所獲得的旅行徽章、用戶提交的資料（見使用條款項下的定義）和其他用戶收到的優惠資料在內的賬戶資料，都將無法進行檢索/使用或編輯。然而，所有用戶删除賬戶前發佈或嵌入應用程式的資料及活動（包括但不限於用戶發佈的“已嘗試”，以及提交的所有用戶體驗），可能會在該應用程式上進行的任何搜索結果中顯示（但不會連結到用戶名）。因此，Visa並不作任何聲明或保證，删除賬戶後，在此之前發佈或嵌入應用程式的內容或行動也會被删除。

即使用戶已經删除個人賬戶或個人資料，若上述資料已與他人共享，按照用戶的隱私設置進行了分配，或者被其他用戶複製或儲存，則上述資料副本仍可能在別處可見。

8. 網站閒置賬戶

在相當長的一段時間內（如兩年，或Visa自行决定的其他期限），沒有使用用戶ID登入到該網站的閒置用戶，Visa可提醒用戶（發郵件至註册電郵賬戶進行提醒）登入網站。若用戶在收到郵件約30天後仍未啟動，Visa會再發郵件提醒。三次郵件提醒30天後用戶仍未啟動，Visa有權删除該用戶賬戶並且不再向用戶發電郵通知，上述删除的效力等同於用戶按照條款7的要求自行删除賬戶。

9.隱私政策的變更

Visa可不時全權修改隱私政策。關於使用、收集和儲存個人資料的條款，以用戶將個人資料提交至或通過其他方式提供給Visa時的條款爲準。若隱私政策發生重大變化，在此期間註册的用戶會收到Visa官網發佈的通知或電郵通知。用戶在Visa首次做出上述變更後使用該應用程式或其任何服務時，應遵守隱私政策的任何變更條款。如果Visa對隱私政策進行重大改變，在進行這變化之時註册的用戶將收到由Visa張貼公佈在我們的應用程式程序或發送此類用戶的電子郵件。用戶通過任何更改隱私政策的約束時，他們使用的應用程式程序或任何服務後，這種變化已經先收到通知。

10. 問題與疑問

若對該隱私政策持有任何問題或疑問，請發電郵至visatravel@visa.com。Visa會在至少5個工作日內竭力解答您的疑問。