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”）處理個人識別資訊（“個人資訊”）和Visa通過使用者使用Visa行動應用軟體（“本應用軟體”）搜集的其它資料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、流覽或進入
  • “用戶”指任何
  • “註冊資訊”指使用者在Visa快樂旅行網站（“網站”）註冊而提供的強制資訊和個人資訊，如果適用，見www.visatravelhappy.com網站使用條款的定義。
  • “社交網站帳戶”指任何社交網站帳戶（包括但不限於Facebook或Twitter帳戶）

1. 個人資訊收集和使用

1.1 Visa可接收及儲存使用者使用本應用軟體或服務時輸入，或以其他方式提供Visa的個人資訊。個人資訊可能包括：

  • 註冊資訊
  • 用戶名、使用者資料，以及使用者註冊本應用軟體時連結的社交網站帳戶的好友清單
  • 其他與使用者使用服務及瀏覽器資訊有關的個人資訊

1.2 Visa可為了下列目的使用使用者提供的個人資訊：

  • 允許使用者自訂及設立使用者資料，以便透過本應用軟體與其他使用者互動
  • 改善本應用軟體的內容
  • 客製化本應用軟體的廣告及內容
  • 向使用者傳達本應用軟體的特點和新特色
  • 操作及邏輯通知，及
  • 向使用者傳達Visa提供的優惠(透過應用軟體的功能，例如：橫幅廣告、提示、通知和其他)

1.3 Visa亦可為下列目的使用個人資訊：

  • 使服務迎合使用者需求
  • 研究本應用軟體和服務的效果和效益，及
  • 開發適合本應用軟體的新工具

1.4 Visa聘請或可能聘請其它公司和人員(“Visa供應商”)代表Visa執行上述任務，而為了執行上述任務，Visa可能須與其分享使用者的個人資訊。但除了為協助Visa達成上述目的所需的資訊外，Visa不會賦予Visa供應商使用或保存任何使用者個人資訊的權利， Visa將要求Visa供應商保證對使用者的個人資訊提供相當程度的保護，若法律對此有較長的期間規定或許可時，則依法律規定。

1.5 使用者使用本應用軟體或服務時，Visa將從使用者瀏覽器或行動應用軟體程式自動接收及在Visa的伺服器記錄檔記錄資訊，包括使用者位置、IP位址、cookie資訊及使用者要求進入的頁面。Visa亦使用透過cookie(見下文第3條說明)和圖元標籤收集的階段資料，以更瞭解本應用軟體如何巡覽、特定網頁有多少訪客、在本應用軟體的停留時間長度和造訪頻率、本應用軟體資料庫的搜尋變化、訪客使用本應用軟體的行動電話類型，以及訪客連接本應用軟體的網際網路協定位址。除相關法律另有規定外，Visa將自此處第1.5條所列活動取得的一切資料視為非個人資訊。Visa可向Visa合夥人(銀行或廠商)提供有關使用者整體使用本應用軟體和服務的總合統計資訊，以利Visa合夥人瞭解本應用軟體使用者的造訪頻率、數目和活動，並瞭解使用者多久使用本應用軟體和服務。為避免疑慮，Visa依此處第1.5條向Visa合夥人提供上述總合統計資訊時，不會指涉特定使用者的身分。

1.6 Visa不會將使用者個人資訊出租或出售給任何人。Visa僅可依此份隱私政策規定分享使用者的個人資訊。

1.7 使用者使用本站或服務時，可選擇不將個人資訊提供給Visa。但若所要求的資訊並未標示為選擇性提供，而使用者選擇不提供所要求的個人資訊時，使用者將無法使用本站和本服務提供的功能。

2. 個人資訊分享

2.1 如果使用者在本應用軟體上關聯了其個人社交網站帳戶 (於註冊時或註冊後) ，那麼使用者關聯的帳戶上的“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”和其他資訊如保存過的優惠資訊。他人在閱讀該資訊後可能受用或向其他個人或團體披露該資訊，這不受Visa控制，也不會向用戶通知。

2.2 一旦使用者在本應用軟體上分享其旅行體驗或整個行程，使用者瞭解以下資訊將會或可能會被公開（無論是以什麼方式和什麼時候在本應用軟體上使用過該功能）：

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

2.3 本應用軟體和服務可能有，或將來有可能有，允許使用者與他人分享資訊的功能。使用者明白如果使用者選擇使用本應用軟體或服務的這類功能向他人提供資訊，那麼使用者分享的資訊可能被更廣泛的Visa群體獲取，可能被發佈在Visa網站，這是受協力廠商搜尋引擎索引導致。

2.4 如果使用者通過本應用軟體連結的網址訪問協力廠商網站，或使用協力廠商應用軟體連結到本應用軟體，使用者明白並承認使用者某些個人資訊可能被協力廠商網站所有者或應用軟體發展者找回或跟蹤（自動或通過其他方式），對此Visa無法控制，使用者須自行確認其它協力廠商網站或應用軟體的隱私規範。Visa對此不負有任何責任，也不會就協力廠商會保護使用者的個人資訊或遵守Visa隱私條款作任何聲明或保證。

2.5 若Visa或其全部資產實質被收購，或萬一Visa停業或破產，使用者明白及同意：其個人資訊可經相關第三方收購者或清算人轉移或收購。使用者亦明白及同意：在任何此類交易完成之前，Visa亦可為了促進此類交易而分享其個人資訊。

2.6 Visa如有需要，可能向使用者居住國之外的其它公司或組織披露任何使用者的個人資訊，或當Visa堅信披露資訊必要時：

  • 遵守法律，包括用戶居住國之外的法律；
  • 執行或應用軟體制約Visa或使用者的使用條款和其他協定；
  • 保護Visa權利、財產或其安全，Visa員工，其他用戶或其它；以及
  • 對非法活動、疑似欺詐、對他人有潛在威脅的情況或違背使用本應用軟體的條款與細則進行調查、阻止或採取行動。

3. COOKIES

3.1 本應用軟體可能使用cookie技術以提高用戶體驗，並為網站或本應用軟體的資料報告採集資訊。Cookie技術不獲取個人電子郵箱位址或任何個人資訊。

3.2 Cookie就是網站或行動應用軟體發送的資訊，該資訊由使用者電腦瀏覽器或使用者手機儲存在硬碟。它包含網站或行動應用軟體為使用者提供個性化服務的所需資訊，在使用者訪問網站或行動應用軟體之前或之後，搜集網站或行動應用軟體統計資料，如訪問的網頁、下載內容、互聯網提供商的功能變數名稱、用戶所在國家和訪問網站的網址。但是，這些資訊不會與使用者個人產生聯繫，只是聚合統計。

3.3 如果不想啟用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。（每款瀏覽器都是不同的，因此用戶需檢查其流覽器或手機中的“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，用戶的網站或行動應用軟體體驗可能不同。

4. 個人資訊安全

4.1 為隱私和安全起見，每位用戶的個人資訊都受密碼保護。用戶有責任阻止未經授權進入其帳戶和獲取個人資訊，使用者可正確地設置和保護其密碼，通過訪問帳戶完畢後退出登錄，限制他人進入用戶電腦和瀏覽器。

4.2 Visa使用防火牆和安全編碼傳輸(SSL)等安全技術協助保護Visa自使用者取得的個人資訊。Visa的政策會限制僅有需要知道該資訊以利提供使用者服務的員工和服務供應商存取/使用該個人資訊。Visa會盡最大努力維持實體、電子和程序上的防護措施來保護個人資訊的安全。

4.3 雖Visa盡力保護每名使用者的個人資訊，確保每名使用者的個人資訊皆依上文第4.2條所述保持隱私，但Visa無法保證使用者帳戶資訊的安全。未經授權的登錄或使用、硬體或軟體故障及其他因素，可能隨時危及使用者資訊的安全，使用者明白、承認及承擔此項風險。

5. 國際用戶

位於新加坡以外的使用者應注意，該應用軟體的資料庫位於新加坡的電腦伺服器上，因而使用者的資訊在新加坡進行處理和存儲。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使用者資訊。使用者使用該應用軟體，通過該應用軟體提交任何個人資訊，或將任何個人資訊提交至該應用軟體，都預設使用者同意將個人資訊轉移至使用者所在國以外（包括新加坡），他國的資料保護規則可能會與使用者所在國不同。
鑒於使用者資訊在新加坡進行處理和存儲，位於新加坡以外的Visa人員，Visa轄下管理的公司，Visa合作夥伴和/或Visa供應商若需訪問和/或使用使用者資訊，可在該隱私政策的約束下在所在國遠端存取使用者資訊。

6. 使用者訪問個人資訊
Visa允許用戶訪問並查看之前提交或此前在應用軟體上有所記錄的如下資訊，並在特定情況下，允許使用者更新以下資訊以保證資訊的準確和完整。

  • 姓名
  • 國籍
  • 城市
  • 手機號碼
  • 電子郵箱位址
  • 密碼
  • Visa卡類別
  • 興趣類別
  • 首選通信方式
  • 關聯的社交網路帳戶

使用者可造訪“使用者資料”頁面查看本應用軟體內的上述個人資訊。使用者如欲存取或要求我們更新或更正個人資訊，可利用此份政策末端的電子郵件信箱與Visa聯絡。Visa並不負責使用者存取或編輯使用者提供給第三人的個人資訊，包括任何應用軟體、社交媒體平台或無線服務供應商。

7. 使用者刪除帳戶/資訊

7.1 若使用者決定刪除自己在應用軟體或本站的使用者帳戶，使用者可登錄本站，點擊“編輯個人資料頁”中的“刪除帳戶”連結。使用者明白：刪除個人帳戶後，使用者將不能再對其帳戶資訊進行檢索/使用或編輯，包括個人資料、旅行史(包括“已嘗試”)、獲得的旅行徽章、使用者提交的資訊(定義見使用條款)及使用者取得的其他任何優惠。Visa將採取一切可行的步驟刪除不再為了上文第1.2條和第1.3條所述目的而需要的個人資訊。但使用者在刪除個人帳戶之前於本應用軟體發佈或嵌入應用軟體的一切資訊和活動(包括但不限於使用者發佈的“已嘗試”，以及使用者提交的所有旅行或體驗)，可能仍會在本應用軟體進行的任何搜索結果中顯示(但不會連結至使用者名稱)。因此，Visa不聲明亦不保證使用者先前在本應用軟體發佈或嵌入應用軟體的內容或活動，皆會隨帳戶的刪除而刪除。使用者承認及明白Visa對此類內容保有的權利，此類權利在使用條款中有詳細說明。

7.2 即使用戶已經刪除個人帳戶或個人資料，若上述資訊已與他人共用，按照用戶的隱私設置進行了分配，或者被其他使用者複製或存儲，則上述資訊副本仍可能在別處可見。

8. 網站閒置帳戶

在相當長的一段時間內（如兩年，或Visa自行決定的其他期限），沒有使用用戶ID登錄到該網站的閒置用戶，Visa可提醒用戶（發郵件至註冊郵箱帳戶進行提醒）登錄網站。若用戶在收到郵件約30天后仍未啟動，Visa會再發郵件提醒。三次郵件提醒30天后用戶仍未啟動，Visa有權刪除該用戶帳戶並且不再向用戶發郵件通知，上述刪除的效力等同於用戶按照條款7的要求自行刪除帳戶。

9. 隱私政策的變更

Visa可不定期全權修改隱私政策。關於使用、收集和存儲個人資訊的條款，以使用者將個人資訊提交至或通過其他方式提供給Visa時的條款為准。若隱私政策發生重大變化，在此期間註冊的用戶會收到Visa官網發佈的通知或郵件通知。用戶在Visa首次做出上述變更後使用該應用軟體或其任何服務時，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，在這種變化的時候註冊用戶將收到由Visa張貼公佈在我們的應用軟體程式或發送此類使用者的電子郵件。用戶通過任何更改隱私政策的約束時，他們使用的應用軟體程式或任何服務後，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，請發郵件至 visatravel@visa.com或寄發郵件至P.O. Box 194607, San Francisco, CA 94119-4607 Attention: Global Privacy Office.