Last Update Posted: May 24, 2018

Introduction.  Fiserv, Inc., on behalf of itself and its affiliates, (together, "Fiserv" or "we" or "us") is the operator of the websites with home pages at https://www.fiserv.com/index.aspx and https://www.fiserv.com/international/index.aspx (referred to collectively as the “Site”). We know privacy is important to you; it is also vital to our business. This Privacy Policy describes who we are, the types of "Personal Information" (information that is identifiable to a particular person) that Fiserv collects (directly or through service providers) in connection with the Site, how that Personal Information is used, shared and protected, and how you can exercise your privacy rights. This Privacy Policy is considered part of the Terms and Conditions of Use at https://www.fiserv.com/about/terms.aspx (U.S.) and https://www.fiserv.com/international/about/terms.aspx (International) (the “Terms”). If you have any questions or concerns about our use of Personal Information about you, then please contact us using the contact details provided at the bottom of this Privacy Policy. We recommend that you read this Privacy Policy in full to ensure you are fully informed.

1. What does Fiserv do?

Fiserv, Inc. is a global leader in financial services technology solutions headquartered in Brookfield, Wisconsin, United States but with subsidiaries and affiliates (“group companies”) all around the world. Our services to enterprise customers enable today's consumer to move and manage money with ease, speed and convenience.

For more information about Fiserv, please see the “About” section of our Site at https://www.fiserv.com/about.aspx.

2. What Types of "Personal Information" We Collect, and How We Collect, Use and Disclose It.  The Personal Information that we may collect about you broadly falls into the following categories:

a. Personal Information you directly submit to us. Fiserv may provide you the opportunity to do such things as subscribe to email alerts regarding Fiserv events or company news, to request company information, or to request product or service information through an email contact form. Such information may include your name, your company's name, your personal or company email address or other contact information. It is up to you whether to provide this information. Such information will be used and disclosed as reasonably necessary to meet your needs and respond to your requests, such as disclosing it to our email service provider to send you emails or to one of our affiliated entities to provide you with requested product information.

b. Information that we collect automatically: When you visit the Site, we may collect certain information automatically from your device or the browsing software that it uses. In some countries, including countries in the European Economic Area, this information may be considered Personal Information (or “personal data”) under applicable data protection laws. Details about this information are provided in section 5 below (Cookies, browser information and tracking technology).

c. Personal Information that we obtain from third party sources: From time to time, we may receive Personal Information about you from third party sources, but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose Personal Information about you to us.

Disclosure. Fiserv may disclose Personal Information about you to its group companies, third party service providers and partners who provide data processing services to us (for example, to support the delivery of, provide functionality on, or help to enhance the security of our Site), or who otherwise process Personal Information for purposes that are described in this Privacy Policy or notified to you when we collect Personal Information about you. Parties with whom we may share Personal Information are bound to contracts requiring them to use and disclose Personal Information only for the permitted purposes set forth in the contract and to use reasonable security measures to protect Personal Information from unauthorized access and use. Information about our group companies is available at http://investors.fiserv.com/.

Fiserv may also disclose Personal Information about you to an actual or potential buyer (and its agents and advisers) in connection with any actual or proposed purchase, merger or acquisition of any part of our business, provided that we inform the buyer it must use Personal Information only for the purposes disclosed in this Privacy Policy.

Fiserv may also use and disclose Personal Information to comply with laws, regulations, court orders and lawful instructions from government agencies, where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person.

3. Legal basis for processing Personal Information.  If you are a visitor to our Site from the European Economic Area (EEA), our “legal basis” under EEA law for collecting and using the Personal Information described above will depend on the Personal Information concerned and the specific context in which we collect it.

However, we will normally collect or otherwise process Personal Information from you only (i) where we need to process the information to perform a contract with you, (ii) where the processing is in our legitimate interests and not overridden by your rights, (iii) where we have a legal obligation to process the information, (iv) where we need to process the information to protect your vital interests or those of another person or (v) where we have your consent to do so.

If we ask you to provide Personal Information to comply with a legal requirement or to enter into a contact with you, we will make this clear at the relevant time and advise you whether the provision of Personal Information is mandatory or not (as well as of the possible consequences if you do not provide Personal Information).

If we collect and use Personal Information about you in reliance on our legitimate interests (or those of any third party), this interest will normally be to operate the Site and communicating with our customers as necessary to provide our services and for our legitimate commercial interest, for instance, when responding to your queries, improving the operation or security of the Site, understanding (through analytics) how our Site is used, undertaking marketing, or for the purposes of detecting or preventing fraudulent, abusive or illegal activities. We may have other legitimate interests and if appropriate, we will make clear to you at the relevant time what those legitimate interests are.

If you have questions about or need further information concerning the legal basis on which we collect and use Personal Information about you, please contact us using the contact details provided under the “How to contact us” heading below.

4. Minors.  We do not knowingly collect any Personal Information from or about individuals under 13 years of age. Please do not submit such information to us, and as a parent or legal guardian, please do not allow your children to submit Personal Information without your permission.

5. Cookies, Browser Information and Related Issues.

a. Cookies: We use “cookies” (small data files placed on your computer or other device by the server when you visit the Site) and similar tracking technology described below to collect and use information about you and the device you use to access the Site. In some countries, including countries in the European Economic Area, this information may be considered Personal Information (or “personal data”) under applicable data protection laws. For further information about the types of cookies we use, why, and how you can control cookies, please see our Cookie Statement.

b. Browser Data: We collect certain standard information that your browser sends to every website you visit, such as the originating IP address, browser type and language, access times and referring website addresses. This data may be used, among other reasons, to improve the operation and security of the Site by assisting in "authenticating" who you are when you access the Site, particularly if you register for access to a section of the Site with restricted access and are issued or create a username and password.

c. Device Data. In addition, we may collect technical data about the device used to access the Site ("Device Data") (such as unique device ID, device model, operating system version, application types and versions, plug-ins, and time zone and geolocation information). Device Data may be used as part of our security controls to uniquely identify the device and authenticate the user when accessing the Site. Device Data may be shared (along with information about any fraudulent transactions using the device) with one or more third-party service providers. These providers will compare and add the Device Data and fraud data to a database of similar device and fraud information in order to identify and block access to the Site by devices associated with fraudulent or abusive activity. We will not share with service providers any information that personally identifies the user of the device.

d. Site Usage Data. We may also collect information about how your device has interacted with our Site, including the pages accessed and links clicked. Collecting this information enables us to better understand the visitors who come to our Site, where they come from, and what content on our Site is of interest to them. We use this information for our internal analytics purposes and to improve the security, quality and relevance of our Site to our visitors.

e. Widgets: Our Site includes Social Media Features, such as the Facebook Like button, and Widgets, such as the “Share this” button, or interactive mini-programs. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

f. Tracking: With respect to information about an individual's online activities over time and across different websites or online services, when a visitor uses this Site, except as required by law: (1) parties other than the operator of this Site are not permitted to collect such information, and (2) the operator of this Site does not collect such information (except information reasonably necessary to process and document user transactions). Therefore, this Site has no need to respond to and does not respond to Web browser "do not track" signals or other mechanisms that enable individuals to exercise choice regarding the collection of such information.

6. How We Protect Personal Information About You.  To protect Personal Information about you from unauthorized access and use, Fiserv maintains physical, electronic, and procedural safeguards, and requires those to whom we disclose Personal Information (including our employees and service providers) to do the same. The measures we use are designed to provide a level of security appropriate to the risk of processing Personal Information.

7. International data transfers. Personal Information about you may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different than the laws of your country.

Specifically, our Site servers are located in the United States, and our group companies and third party service providers and partners operate around the world. This means that when we collect Personal Information we may process it in any of these countries.

However, we have taken appropriate safeguards to require that Personal Information will remain protected in accordance with this Privacy Policy. These include implementing the European Commission’s Standard Contractual Clauses (found at https://ec.europa.eu/info/law/law-topic/data-protection/data-transfers-outside-eu/model-contracts-transfer-personal-data-third-countries_en) for transfers of Personal Information between and among our group companies, which require all group companies to protect Personal Information from the EEA in accordance with European Union data protection law. We have implemented similar appropriate safeguards with our third party service providers and partners.

8. Data retention. We retain Personal Information about you where we have an ongoing legitimate business need to do so, for example, to provide you with a service you have requested or to comply with applicable legal, tax or accounting requirements.

When we have no ongoing legitimate business need to process Personal Information about you, we will either delete or anonymise it or, if this is not possible, for example, because the Personal Information has been stored in backup archives, then we will securely store the Personal Information and isolate it from any further processing until deletion is possible.

9. Your data protection rights. If you are a resident of the European Economic Area, you have the following data protection rights under European Union law:

a. If you wish to access, correct, update or request deletion of Personal Information about you, you can do so at any time by contacting us using the contact details provided under the “How to contact us” heading below.

b. You may object to processing of Personal Information about you based on our legitimate interests, or for direct marketing.

c. You may also ask us to restrict processing of Personal Information about you or request portability of Personal Information about you. You can exercise these rights by contacting us using the contact details provided under the “How to contact us” heading below.

d. You have the right to opt-out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you. To opt-out of other forms of marketing, please contact us using the contact details provided under the “How to contact us” heading below.

e. You have the right to withdraw any consent we have relied on at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of Personal Information conducted in reliance on lawful processing grounds other than consent.

f. You have the right to complain to a data protection authority about our collection and use of Personal Information about you. For more information, please contact your local data protection authority. Contact details for data protection authorities in the European Economic Area, Switzerland and certain non-European countries (including the US and Canada) are available at http://ec.europa.eu/justice/article-29/structure/data-protection-authorities/index_en.htm.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

10. Keeping Up to Date with Our Privacy Policy. Fiserv may update this Policy from time to time in response to changing legal, technical or business developments by posting a revised version on this Site, which will be effective at the time it is posted for all Personal Information collected thereafter unless a delayed effective date is expressly stated in the revision. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws. You can see when this Privacy Policy was last updated by checking the “last updated” date displayed at the top of this Privacy Policy.

11. Scope.

a. Supplemental Privacy Policies. Some areas, features and services on the Site may be offered on the condition that you view and agree to privacy terms and disclosures specific to those areas, features and services. Those specific privacy terms and disclosures will be deemed to supplement the terms and disclosures in this Privacy Policy.

b. Other Fiserv Sites. This Privacy Policy is applicable to this Site, as specified above. However, an Other Fiserv Site (as defined in the Terms) may have its own privacy policy or other privacy-related terms posted. As with the Terms, those other privacy terms and conditions shall apply to privacy-related issues regarding that Other Fiserv Site and the use of any services, functionalities or other offerings made in connection with that Other Fiserv Site, and this Privacy Policy shall not apply in such circumstances. This Privacy Policy also does not apply to any websites Fiserv creates for any individual client; such websites shall be subject to the terms and conditions set forth in the applicable agreement between Fiserv and that client.

c. Links to Third-Party Sites. This Site may provide links to other sites operated by third parties over whom Fiserv has no control and whose privacy policies may differ from ours. These links are provided for your convenience. If you browse on or submit Personal Information to any of those sites, information about you may be collected by them and will be governed by their privacy policies.

12. How to contact us. If you have any questions or concerns about our use of Personal Information about you, please contact us using the following details: general_info@fiserv.com. The data controller of Personal Information collected through the Site is Fiserv., Inc., located at 255 Fiserv Dr, Brookfield, WI 53045, USA.

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