Alipay Privacy Policy for Merchant Services
Last updated: 2020-2-10
This Privacy Notice applies to visitors to the Alipay website available at (https://intl.alipay.com/open and https://global.alipay.com) and individuals (each a "User") who are users of Alipay or have their personal information provided to us in the course of using our services, including but not limited to merchant acquiring, payment processing and merchant wallet services (“Alipay Services”) provided outside of the People’s Republic of China.
Depending on the actual Alipay Services selected, each User may enter into one or more agreements (collectively, the “Agreements”) with various companies in the Alipay Group that will provide those Alipay Services. Those agreements may contain additional terms regarding privacy and our use of information about you.
Unless otherwise indicated or the context requires otherwise, reference to “you” or “your” are intended to refer to a User, and reference to “Alipay”, “we”, “us” or “our” in this Notice and the Agreements include relevant companies in the Alipay Group that are involved in providing the Alipay Services, including Alipay US, Inc., Alipay (UK) Limited, Alipay (Europe) Limited S.A., Alipay Singapore E-Commerce Private Limited and Alipay Merchant Services Pte. Ltd. (each an “Affiliate” or member of the “Alipay Group”).
1 WHAT PERSONAL INFORMATION DO WE COLLECT ABOUT YOU?
We collect and use personal information about you, including when you interact with us, register for an Alipay account, use the Alipay Services to make purchases or otherwise conduct financial transactions, or otherwise visit or use our Alipay Services. The personal information we collect includes:
· your basic personal details, including first and last name, and copies of your personal ID documents;
· contact information (including your address, phone number, email, or other information that permits us to contact you);
· account information;
· registration details;
· financial information and tax identification information;
· transaction details; and
· technical information, including:
· information about the device you use to interact with us, and
· information from your visits to our websites or
mobile applications.
2 HOW WE OBTAIN YOUR PERSONAL INFORMATION
We collect personal information about you in connection with the Alipay Services. For example, we collect your personal information when you browse our website, enquire about or register to use any of the Alipay Services, sign a contract with us, provide your personal information during the merchant on-boarding process, log into your Alipay account to use the Alipay Services on our site; or when you communicate with us via e-mail, phone, SMS, or any other electronic means. We also receive personal information about you from other sources, including:
· merchants and other third parties,
including those who support the ability to make payments and conduct
transactions through Alipay Services;
· affiliates;
· suppliers providing services on our
behalf;
· banks and other payment institutions that
we cooperate with to provide you with the Alipay Services; and
· publicly available sources.
We combine information that we have about you from various sources, including
the information you have provided to us.
Please refer to How we use your personal information for more
details.
3 HOW WE USE YOUR PERSONAL INFORMATION
We use the information we collect to operate our business, including the Alipay Services. For example, we may use your personal information for the following purposes:
- verifying your identity, including during account creation and payment password reset processes;
- verifying your eligibility as a User of Alipay Services;
- processing, maintaining and managing your registration as a User;
- providing you with Alipay Services and related User services, including operating the Alipay Services and enabling transactions, customizing your user experience, enabling the receipt of balance top-ups, financing proceeds and third-party payments, facilitating the settlement of payment for goods and services and providing other fund settlement services, handling foreign exchange conversions, charge-backs, sending notices about transactions, and responding to your queries, feedback, claims or disputes;
- contacting you in relation to our provision of Alipay Services, contacting you in connection with any communication preferences or requests you have expressed, asking you for feedback about Alipay Services or other related products and services, collecting feedback from you and your staff about our products and services and using such feedback to improve our business and/or customize products and services; sending you information about products and services, including for promotional purposes; and contacting you for legal purposes;
- assessing, detecting, investigating, preventing or remediating fraud, data breaches or other potentially prohibited or illegal activities and otherwise protecting the integrity of our platform;
- managing our risk, performing creditworthiness and solvency checks on Users, or detecting, investigating, preventing or remediating violations of your agreements with us or any of our applicable policies, industry standards, guidelines, laws and regulations, etc.;
- making disclosures as may be required by any rules, law or regulation, regulatory authorities, government official or other third party, including any card association or other payment network. Such disclosures may also be made pursuant to any subpoena, court order or other legal process or requirement applicable to us or any Affiliates (including “know your customer”, anti-money laundering, counter-terrorist financing reporting, tax requirements or other commercial disputes);
- making disclosures to third parties including relevant regulators to prevent any harm or financial loss, to report suspected illegal activity or to establish, exercise, or defend claims or potential claims on behalf of ourselves or our Affiliates;
- improving and optimizing the Alipay Services;
- managing our business including to protect Users, prevent harm, fraud or theft to ourselves or others, maintain the security of our products, and protect our rights or property and those of others; and
- otherwise for everyday business purposes, to comply
with law, or in other ways for which we provide specific notice at the
time of collection.
4 WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
We share your personal information to operate and manage our business, including for the purposes indicated under How we use your personal information. Thus, for example, we may share your information with:
· Affiliates;
· third parties, including:
· any agent, contractor or third party
service provider that we work with in providing Alipay Services. For example,
we work with third parties to help us with fraud prevention, anti-money
laundering checks, credit checking, bill collection, data entry, database
management, promotions, marketing, customer service, technology services,
products and services alerts and payment extension services or to provide trade
financing services;
· banks, card associations, payment networks
or acquiring institutions, and others, including those involved in processing
of payments and conducting transactions through Alipay Services; and
· law enforcement agencies, insurers,
government and regulatory authorities or any other organizations to which
Alipay, or any Affiliate or third party service provider, is under an
obligation to make disclosure under the requirements of any applicable law,
regulation or commercial arrangement.
· individuals and entities involved in any
merger, acquisition, corporate reorganization, financing, or similar
transaction with us, including in the event of the sale of all or part of our
assets; and
· our own and others’ professional advisors
(e.g., lawyers, accountants, auditors, and trustees).
See How do we store and protect your personal information? for
informationon how we keep your personal information secure when sharing it with
others.
5 HOW DO WE STORE AND PROTECT YOUR PERSONAL INFORMATION?
We will keep your personal information in accordance with our policies and for as long as it is necessary to provide you with the Alipay Services or other purposes as set out in this notice. In addition, we may retain your personal information for a longer period (including after you are no longer a User) if it is necessary to comply with laws and regulations applicable to us.
We use a variety of security measures and technologies designed to help
protect your personal information from unauthorised access, use, disclosure,
alteration or destruction consistent with applicable data protection and
privacy laws and regulations. You are responsible for maintaining the security
of your account information (username, password, etc.) for Alipay Services in
your possession or control.
6 HOW DO WE PROCESS PERSONAL INFORMATION ABOUT CHILDREN?
Our service is not directed towards children under 18 years old, nor does Alipay knowingly collect information from children under 18. If you are under 18, please do not use Alipay Services or submit any personal information to us.
If you, acting as a guardian of a child, have relevant questions in
respect of a child’s personal information, please contact us using the details
set out in the [Contact us] section below.
7 THIRD PARTY SERVICES AND SITES
The Alipay Services and our website may provide links to other websites
and services (including other online merchant sites) for your convenience and
information. These services and websites may operate independently from us.
Linked services and websites may have their own privacy notices or policies,
which we strongly suggest you review if you visit any linked websites. To the
extent any linked websites you visit are not owned or controlled by us, we are
not responsible for these websites’ or services content, any use of these
services or websites by you, or the privacy practices of these services or
websites.
8 CHANGES TO THIS NOTICE
We may change, amend or revise this Notice from time to time. We will notify you of any substantive or material change in this Notice by updating this web page, sending push notifications, e-mails or letters, by phone or by publishing announcements on our website (https://intl.alipay.com/open and https://global.alipay.com).
You can review this Notice at the home page of our website (https://intl.alipay.com/open and https://global.alipay.com).
9 WHAT IS OUR LEGAL BASIS FOR USING YOUR PERSONAL INFORMATION?
If you are a User in the EEA or Switzerland, please note that we use your personal information on bases set out below.
· For the performance of any contracts
to which you are a party.
· To comply with legal and regulatory
obligations.
· For legitimate business purposes.
· Using your personal information helps us
to operate and improve our business and minimise any disruption to the services
that we may offer to you. It also allows us to make our communications with you
more relevant and personalised to you, and to make your experience of our
products and services efficient and effective.
· As we have Affiliate companies with
infrastructures in China, Singapore and the US, we need to transfer your
personal information internationally in order to accommodate our technical
infrastructure and as part of our business structure, including as a
result of laws and regulations applicable to us and other Affiliates and legal
claims or proceedings that involve us or other Affiliates.
· However, in cases in which we wish to use
your data for our legitimate business purposes, we carefully consider the
position and do not proceed if we think your interests or fundamental rights
and freedoms relating to your personal information would be prejudiced.
Examples of matters we consider include how we use your data responsibly (for
instance, security measures we put in place to protect it, such as access
controls).
· Because you have given your consent. At
times we may ask for your consent or the consent of the holder of parental
responsibility over you (in case you are below the age of 16 years, please see How
do we process personal information about children?) to allow us to use your
personal information for one or more purposes. See Your rights with
respect to your personal information for information about the rights
that you have if we process your information on the basis of your consent.
10 TRANSFERS OF YOUR PERSONAL INFORMATION OUTSIDE OF THE EEA
If you are a User in the EEA or Switzerland, please note that your personal information may be processed by us, Affiliates in the Alipay Groupand our trusted third party suppliers outside of the European Economic Area (EEA), including in countries where data protection and privacy laws or regulations may not be equivalent to, or as protective as, the data protection and privacy laws and regulations in the EEA.
These countries include, among others:
· China;
· Singapore; and
· The United States.
In accordance with applicable data protection and privacy laws and regulations,
we will implement appropriate measures to ensure that your personal information
remains protected and secure when it is transferred outside of the EEA to a jurisdiction
other than one that is recognised by the European Commission has having an
adequate level of protection of personal data. These measures
include (where applicable) transferring pursuant to data transfer agreements
implementing standard data protection clauses. You can find
information about these measures here. If you would like further information, you can contact us as
set out in the [Contact us](#contact us) section below.
We may also transfer your personal information outside of the EEA as permitted
by applicable data protection and privacy laws and
regulations. Examples include when we need to transfer your personal
information: (a) to perform a contract with you (or to take steps before the
contract at your request); (b) perform a contract in your interests; or (c) in
relation to legal claims.
11 YOUR RIGHTS WITH RESPECT TO YOUR PERSONAL INFORMATION
If you are a User in the EEA or Switzerland, in accordance with applicable data protection and privacy laws and regulations, you may be entitled to:
· ask us about the processing of your
personal information, including to request a copy of your personal information;
· request the correction and/or (in some
cases) deletion of your personal information;
· in some cases, request the restriction of
the processing of your personal information, or object to that processing;
· withdraw your consent to the processing of
your personal information (where Alipay is processing your personal information
based on your consent);
· request receipt or transmission to another
organisation, in a machine-readable form, of the personal information that you
have provided to Alipay where we are using your personal information based on
consent or performance of a contract; and
· complain to the relevant supervisory
authority if your privacy rights are violated, or if you have suffered as a
result of unlawful processing of your personal information.
Where you are given the option to share your personal information with us, you
can always choose not to do so. If we have requested your consent to
processing and you later choose to withdraw it, we will respect that choice in
accordance with our legal obligations.
However, choosing not to share your personal information with us or withdrawing
your consent to our use of it could mean that we are unable to perform the
actions necessary to achieve the purposes of processing described (see How
we use your personal information) or that you are unable to make use of the
services and products offered by us. After you have chosen to
withdraw your consent, Alipay may be able to continue to process your personal
information to the extent required or otherwise permitted by applicable data
protection and privacy laws or regulations.
If you would like to exercise your rights, contact us using the details set out
in the [Contact us](#contact us) section below.
12 CONTACT US
If you have questions or requests about the privacy of your personal information, please contact us by email via Privacy-OpenPlatform@alipay.com or at this business address if you are a User in
· the European Economic Area or
Switzerland: Alipay (Europe) Limited S.A., Privacy Office, 11-13, Boulevard de
la Foire, L – 1528, Luxembourg.
· any other part of the world: Alipay
Singapore E-Commerce Private Limited, Privacy Office, 1 Raffles Place #59-00
One Raffles Place Tower One, Singapore 048616.
(As of February 10, 2020)