PRIVACY AND COOKIE POLICY

 

Our Approach to Privacy

 

Our goal is to maintain your trust and confidence when handling personal information about you.

Security of Personal Information

The security of personal information about you is our priority. We protect this information by maintaining physical, electronic and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.

Unfortunately, however, while we strive to protect your personal information, not everything is under our control and no data transmission over the internet can be guaranteed to be 100% secure. Therefore, while we will put in place appropriate technical and organizational measures to ensure the security of your personal information we cannot guarantee that information will not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. You must keep your password and other website registration information you hold secret. You should also control access to your SMS/email communications at all times.

Online Privacy and Cookies Policy

This Online Privacy and Cookies Policy describes how we, Wirecard North America, Inc., a Delaware corporation having its offices at 555 North Lane, Suite 5040, Conshohocken, PA 19428 ("Wirecard", "our" or "we") may collect, use and share information you provide when you visit this website (the "website" or "site") and receive our SMS/email communications.  If you are a cardholder, it is supplemental to any information that has been provided to you in connection with the card, which will explain in more detail which Wirecard entities control and are responsible for the handling of your information.Please read this Online Privacy and Cookies Policy carefully – by accessing or browsing this site, you confirm that you have read, understood and agree to this Online Privacy and Cookies Policy in its entirety.  If you do not agree to this Online Privacy and Cookies Policy in its entirety, you must not use this site.

1. What Information Do We Collect?

2. How Do We Use and Share the Information We Collect?

3. Can You Control Your Information That's Collected and Used Online?

 1.What Information Do We Collect?

When you visit our site, we automatically collect information such as what browser and which version of it you're using, the type of operating system you have and your internet service provider. If you access this website via your mobile device, we may also collect information about your mobile provider and your mobile device. This information allows us to recognize when your device accesses our website and helps us provide an online experience that matches your device.

We may use cookies or other tracking technologies to do this as further outlined below. In some cases, we may not be able to provide the services unless the cookie or other technology is installed.

In addition to the information described above, we may also gather or process personal information that you provide to us such as your username, password, address, global location, card number, security code, postcode, email or telephone PIN.  In the course of using this website, you may provide us with other personal information to the extent you wish to do so or that we may request from you to allow us to provide you with further information. For example, where offered in your country, you may choose to provide us with your mobile number or email address in order to receive alerts relating to your reserved balance. Registration on the One Platform website is not obligatory and you can still use your card without such registration (although you may not be able to receive all the services offered by us).

 

Cookies

When you browse our site, Wirecard uses cookies to collect information and store your online preferences.

Cookies are electronic browser files containing small amounts of information which are set on your device when you visit a website. Cookies are useful because they allow a website to recognize a user’s device.  Some of these cookies will be encrypted.

We use the following cookies:

Most of the cookies used on the website are essential in order to enable you to access the website securely. This website uses temporary “session” cookies which are only active on your device for the duration of your usage of our website. These cookies may allow, for example, your device’s web browser to remember which pages on our website you have visited.  Some of the cookies and other technologies used on our site are provided by third parties that collect the information described above in connection with your use of our site and other websites or online services.

If you decide to tick the 'Remember my preferences' box when logging in to our website, cookies may be placed on your device, which remain on your device after you have finished using our website. These cookies may remain on your device until such time as you decide to delete them via your browser settings in accordance with Section 3 of this Online Privacy and Cookies Policy.  The details stored on these cookies may include your user name, language or the region you are in.  A cookie will also be set to record whether you have acknowledged our notice regarding the use of cookies, so that the notice won’t be displayed to you again unnecessarily.

You can find more information about cookies, including how to see what cookies have been set and how to manage and delete them, by looking at Section 3 of this Online Privacy and Cookies Policy, or by visiting the all about cookies website.

 

2. How Do We Use and Share the Information We Collect?

 

Wirecard uses the information we collect about and from you to manage our business and to offer a high quality, personalized online experience on our site.

 

The information we collect allows us to:

·    Verify your identity when you access the services on this website;

·    Communicate with you (including via email or SMS where such contact details have been provided);

·    Investigate any complaints about the use of this website;

·    Maintain security and confidentiality of data on this website; and

·    Provide services via this website.

We may also use the information we collect to administer and manage our business and meet legal, regulatory and compliance requirements (such as anti-money laundering, regulatory reporting requirements and record maintenance).  This may include disclosing your information to regulators, government authorities and other official bodies to the extent permitted under applicable data protection laws.

We may disclose your personal information to other companies within the Wirecard group of companies and to its or their service providers and agents for the above purposes. This will be done confidentially and only to the extent permitted under applicable data protection laws.  In some countries, you may have the right to request a list of those entities that may have access to your personal information. For this information, please email wdnam.privacy@wirecard.com.

Your personal information may be transferred to the recipients identified above for the above purposes which, given the international nature of our business, may be located in countries other than your own such as the US and India, including countries which may not have laws protecting the use of your personal information which are as strong as the laws in your country.

If we sell all or part of our business, or make a sale or transfer of assets, or are otherwise involved in a merger or business transfer, we may transfer your personal information to a third party as part of that transaction (and will seek your consent where required by applicable law).

Wirecard does not sell your personal information to any third-party without your permission. However, Wirecard may disclose your information in a number of ways as part of our Services. For instance, we may share your personal information with our third party service providers that facilitate the functions of our Websites, such as our web hosting and cloud storage providers. We may also provide your personal information to service providers or contractors to perform functions on our behalf, including assisting us in providing our Services to you or our partners, as set forth below.

 

3. Can You Control Your Information That's Collected and Used Online?

 

You have the ability to control how your information is collected and used online, as described below.

 

Alerts

If you wish to amend your choice of email or SMS alerts or stop receiving them at any time, you will need to amend your contact details through the website or contact wdnam.privacy@wirecard.com.  [For example, you can opt-out of receiving promotional emails or notifications in this way at any time.  Please note that opting out of those emails or notifications will not end transmission of important information related to the Wirecard services that are necessary to your account maintenance being sent to you.]

Cookies

You can also control whether to accept cookies or not or remove existing cookies. If you decide to not accept cookies or remove existing cookies, some features and services on our site may not work properly.

If you would prefer, you can:

4. Children's privacy

All of our Services, including our Website, are intended for adult audiences, and are not meant to address anyone under the age of 18 ("Children"). As such, Children under 18 may not use our Services or our Website. If you are under 18, do not attempt to register for or use any of our Services, including our Website, and do not provide us any personal information about yourself.

We do not knowingly collect personal information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has violated this Privacy Policy and provided us with personal data, please contact us. If we become aware that we have collected personal information from children without verification of parental consent, we will take steps to remove that information from our servers.

5. Our Policy on "Do Not Track" signals under the California Online Protection Act (CalOPPA)

We do not support Do Not Track. Do Not Track is a preference you can set in your web browser to inform websites you do not want to be tracked. You can enable or disable "Do Not Track" by visiting the "Preferences" or "Settings" page of your web browser. Third parties may collect data that relates to you. We cannot control third parties’ responses to do-not-track signals or other such mechanisms. Third parties’ use of data relating to you and responsiveness to do-not-track signals is governed by their respective privacy policies.

6. Your Privacy Rights

Under applicable data privacy laws and regulations, you have certain rights, in particular, the right to access, correct, update, or request deletion of your personal data that we store about you. Rights specific to California residents are set forth below.

If you wish to exercise any of these rights, you can do so at any time by contacting us via this by email wdnam.privacy@wirecard.com or by writing to us at 555 E North Lane, Suite 5040, Conshohocken, PA 19428.

California residents: Wirecard has policies and procedures in place to facilitate your exercise of privacy rights available under applicable law. Wirecard therefore informs you that, where applicable under relevant law, you may be entitled to the following:

Right to Access / Disclosure: to have access to your Personal Information upon simple request – that is, you may receive a copy of such information upon receipt of a verifiable request, along with other information related to the collection or processing.

Disclosure of Direct Marketers: to have access upon simple request, and free of charge, the categories and names/addresses of third parties that have received Personal Information for direct marketing purposes. Please see the “Your California Privacy Rights” section below for more information.

Right to Information About Collecting, Sharing, or Disclosing Personal Information: upon receipt of a verifiable request, you may obtain a list of:

The specific pieces of your personal data Wirecard holds;

The categories of personal data collected about you, sold to third parties, or disclosed to third parties for business purposes;

The categories of personal data sold within the last 12 months;

The categories of sources from which personal data is collected;

The business or commercial purpose for collecting or selling personal data; and

The categories of third parties with whom personal data is shared, sold, or disclosed for a business purpose.

Right to Opt-Out of the Sale of Personal Data: As noted elsewhere, Wirecard does not sell individuals’ personal data without permission. California residents have the right to opt-out of the sale of their personal data under certain circumstances.

Right to Deletion / "Right to be Forgotten": to obtain the deletion of your Personal Information in the situations set forth by applicable data protection law and upon receipt of a verifiable request.

Right to Non-Discrimination: As defined under relevant law, you have a right to non-discrimination in the Services or quality of Services you receive from us for exercising your rights.

7. Privacy Requests and Questions

To request a copy of the personal information we hold on you, or if you have any other requests or questions about privacy or your rights set forth herein and/or under applicable law, please contact us by email at wdnam.privacy@wirecard.com or by writing to us at 555 E North Lane, Suite 5040, Conshohocken, PA 19428.

You can also access and/or change your personal information by logging onto the website.

Please note that any personal information you provide to Wirecard will be retained by us in accordance with applicable law.

8. Notice of changes

From time to time, we may change this Online Privacy and Cookies Policy. The effective date of this Policy, as stated below, indicates the last time this Policy was materially changed. We will notify you if the changes are material by posting those changes on this page and updating the Privacy Policy effective date below. We encourage you to periodically check back to this page for any updates.

9. Effective Date

This policy was last modified on 02 February 2020. 

10. Difficulty accessing our Privacy Policy?

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