Other Legal Information

Media Policy

Fiserv Inc. or one of its affiliates (Fiserv) is the copyright owner of all content, including all images, photographs, trademarks and information provided in the Media Center of this Web site (“Media Center Materials”). All ownership rights in these materials will remain with Fiserv.

Fiserv grants permission to media entities and journalists only to use the Media Center Materials for editorial and news purposes in newspapers, periodicals and electronic and broadcast media related to Fiserv or its products and services. The permission granted herein cannot be transferred, sublicensed or assigned. A credit line stating “Courtesy of Fiserv” must appear next to any photographs or images from the Media Center Materials.

No other use of the Media Center Materials is permitted and no other persons or entities are authorized to use the Media Center Materials or other content on the fiserv.com site, including use in connection with the advertisement, promotion or sale of any products or services, unless prior written approval is obtained from Fiserv.

The Media Center Materials may not be altered or modified in any way. By using the Media Center Materials, the authorized media entities agree to comply with all restrictions, conditions and requirements set forth herein or provided by Fiserv separately. The permission granted herein may be revoked by Fiserv at any time without cause and upon providing notice of revocation to the user.

The Media Center Materials are provided “as is” and without any warranties of any kind either express or implied or statutory. Fiserv will have no liability whatsoever for your use of the Media Center Materials.

Your use of the Media Center Materials constitutes your acceptance of this Media Policy. If you do not agree to these terms, do not copy, download or use any of the Media Center Materials.

Social Media Guidelines

Fiserv Inc. and its affiliates (Fiserv) encourages dialogue about its products, services, and initiatives. We welcome your thoughts and we'll do our best to reply to your comments, but we won't be able to reply to account service issues through Facebook, Twitter or LinkedIn. Please do not submit any confidential or financial information to Fiserv via social networks. Your messages and posts on social networks are not always private and so you should only include information that you are comfortable sharing publicly. If you have a question about your account, please call the appropriate number listed on our Contact page.

We won't respond to off-topic comments and replies. While Fiserv appreciates the exchange of ideas, postings should follow basic rules of decorum and common sense and should not be obscene, fraudulent, offensive or endorse or encourage criminal activity.

Facebook, Twitter and LinkedIn are not owned by, or affiliated with, Fiserv. Because of this, Fiserv cannot control how information you post on these sites is used. Please follow the Facebook, Twitter, and LinkedIn links for information on their respective privacy, security or other policies.

While Fiserv encourages dialogue on social networks, the fact that information is posted there does not mean that Fiserv agrees with or endorses the content posted by others or ensures that it is accurate or complete. Nothing on this or any Facebook, Twitter or LinkedIn page creates any agreement, endorsement, representation or contract by Fiserv.

Business Continuity

Business Resiliency and Disaster Recovery are fundamental components of Fiserv and its affiliates’ (Fiserv) business operations. Our Business Resiliency and Disaster Recovery programs allow Fiserv to provide continued service to our customers and clients and to respond effectively to a disruptive event which may impact the firm, or interrupt normal operations.

The Enterprise Business Continuity Program is comprised of firm-wide Business Resiliency and Disaster Recovery programs, which provide for Fiserv’s need to recover its business processes and the supporting technology in a timely manner during disruption. This is accomplished by following pre-defined management approved policies, strategies, and procedures. The program allows for the restoration of both technology and business process capabilities within predetermined timeframes.

Fiserv has a dedicated group of business continuity professionals who are responsible for maintaining the program.

Oversight & Governance 

Enterprise Business Continuity is managed by a firm-wide Business Continuity Steering Committee with representation from all major business units at Fiserv. Compliance with Enterprise Business Continuity program requirements for all business units are tracked with metrics monitored and escalated on a monthly basis.

The Enterprise Business Continuity program is subject to internal and external audit reviews and regulated by the Federal Banking Agency, which includes five banking regulators – the Federal Reserve Board of Governors, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Consumer Financial Protection Bureau. The program is also subject to the legal and regulatory requirements of other countries in which we operate. 

Business Resiliency

The objectives of Business Resiliency include the development of recovery strategies in order to minimize loss to Fiserv and its clients, continue to serve our customers, ensure the safety of employees, and minimize negative impacts of events. Each Fiserv business unit is responsible to complete a Business Impact Analysis (BIA) to determine the Recovery Time Objective of the business on an annual basis. The Recovery Time Objective allows Fiserv to prioritize key businesses for recovery during and after any type of incident.

Each business unit is also responsible to develop and maintain Resiliency Plans on an annual basis. Plans can be used independently or together if the incident affects multiple business units. Each plan includes key elements such as life safety, required resources, equipment, applications, recovery strategies including recovery site information and recovery tasks. All plans address high-absenteeism including pandemic and severe weather events.

Business Resiliency Plans are required to be tested on a regular basis to ensure an effective program. Fiserv has a varied testing program including the testing of recovery solutions such as working from another location (move and resume), work from home, and work load transfer. Our test types include tabletop exercises, simulation exercises and full disaster recovery tests. Post exercise reports are created for each event. All testing issues, as well as Business Impact Analysis and Business Resiliency Plan compliance are tracked and metrics are provided to senior management.

Disaster Recovery

Disaster Recovery focuses on restoring the firm’s critical systems and applications used by our internal businesses and external clients. Application recovery is prioritized based on the Recovery Time Objective identified in the Business Impact Analysis. Fiserv maintains Disaster Recovery Procedures for key systems and applications, which provides detailed plans to recover the system or application. These procedures span key personnel, components and applications that are necessary to minimize the impact to vital business processes following a data center outage.

The Disaster Recovery team manages and coordinates recovery activities and rigorous exercises to demonstrate the firm’s ability to recover. Key systems and applications are tested on a regular basis. Follow Up reports are generated and reviewed with all exercise participants and all issues identified are recorded in the firm’s risk management tool and tracked through resolution.

Monthly metrics are used to track all Disaster Recovery requirements, including the maintenance of our plans and testing of our systems and applications. The metrics are socialized to Fiserv’s senior management, which provide a snapshot on the health of the Disaster Recovery Program.

Forward-Looking Statements

Notice to Investors, Prospective Investors and the Investment Community; Cautionary Information Regarding Forward-Looking Statements

Certain matters we discuss in our public statements may constitute forward-looking statements. You can identify forward-looking statements because they contain words such as "believes," "expects," "may," "will," "should," "seeks," "intends," "plans," "estimates," or "anticipates" or similar expressions which concern our strategy, plans, projections or intentions. Examples of forward-looking statements include, but are not limited to, all statements we make relating to revenue, earnings before net interest expense, income taxes, depreciation, and amortization (EBITDA), earnings, margins, growth rates, and other financial results for future periods. By their nature, forward-looking statements speak only as of the date they are made; are not statements of historical fact or guarantees of future performance; and are subject to risks, uncertainties, assumptions or changes in circumstances that are difficult to predict or quantify. Actual results could differ materially and adversely from our forward-looking statements due to a variety of factors, including the following:

(1) adverse impacts from global economic, political, and other conditions affecting trends in consumer, business, and government spending;

(2) our ability to anticipate and respond to changing industry trends, including technological changes and increasing competition;

(3) our ability to successfully renew existing client contracts on favorable terms and obtain new clients;

(4) our ability to prevent a material breach of security of any of our systems;

(5) our ability to implement and improve processing systems to provide new products, improve functionality, and increase efficiencies;

(6) the successful management of our merchant alliance program which involves several alliances not under our sole control and each of which acts independently of the others;

(7) our successful management of credit and fraud risks in our business units and merchant alliances, particularly in the context of eCommerce and mobile markets;

(8) consolidation among financial institution clients or other client groups that impacts our client relationships;

(9) our ability to use our net operating losses without restriction to offset income for US tax purposes;

(10) our ability to improve our profitability and maintain flexibility in our capital resources through the implementation of cost savings initiatives;

(11) the acquisition or disposition of a material business or assets;

(12) our ability to successfully value and integrate acquired businesses;

(13) our high degree of leverage;

(14) adverse impacts from currency exchange rates or currency controls imposed by any government or otherwise;

(15) changes in the interest rate environment that increase interest on our borrowings or the interest rate at which we can refinance our borrowings;

(16) the impact of new or changes in current laws, regulations, credit card association rules, or other industry standards; and

(17) new lawsuits, investigations, or proceedings, or changes to our potential exposure in connection with pending lawsuits, investigations or proceedings, and various other factors set forth in our Annual Report on Form 10-K.

Except as required by law, we do not intend to revise or update any forward-looking statement as a result of new information, future developments or otherwise.

UK Gender Pay Gap Reporting

At Fiserv, managing diversity means more than simply observing legal and policy requirements.  It means actively promoting community, celebrating and valuing our differences.

We are proud of the diversity of our workforce and our ongoing efforts to support career development for all across the organisation.

The latest report can be downloaded below and includes all required metrics along with additional commentary and explanation.