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Venmo (en) - Política de Privacidad 29-mar-2018 | 43,26%
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1 Open Source Attribution Open Source Attribution
2 Privacy Policy Privacy Policy
3 User Agreement User Agreement
4 Licenses Licenses
5 Policy Updates Policy Updates
6 Consent Consent
7 Helpful Information Helpful Information
8 Payment Method Rights Payment Method Rights
9 Venmo Cardholder Agreement Venmo Cardholder Agreement
10 Venmo Card Privacy Policy Venmo Card Privacy Policy
11 Privacy Policy Privacy Policy
12 LAST UPDATEDDecember 18, 2017 LAST UPDATEDMarch 29, 2018
13 OUR COMMITMENT TO PRIVACY OUR COMMITMENT TO PRIVACY
14 Venmo, a PayPal, Inc. Service, knows that you care about how your personal information is used and shared, and we take your privacy seriously. Our primary goal is to provide you with exceptional service, and we understand that you may have questions or concerns regarding your personal information and how it will be used. To make this privacy policy easy to find, we make it available from home page of the Venmo website at venmo.com (the "website") and through our mobile applications. You may also email us at privacy@venmo.com with any privacy-related questions you have. Venmo, a PayPal, Inc. service (the "Venmo Services"), knows that you care about how your personal information is used and shared, and we take your privacy seriously. Our primary goal is to provide you with exceptional service, and we understand that you may have questions or concerns regarding your personal information and how it will be used. To make this privacy policy easy to find, we make it available from home page of the Venmo website at venmo.com (the "website") and through our mobile applications. You may also email us at privacy@venmo.com with any privacy-related questions you have.
15 APPLICABILITY OF PRIVACY POLICY APPLICABILITY OF PRIVACY POLICY
16 This privacy policy applies to all information we collect through our web and mobile applications from Venmo users, including you. This policy only applies to the Venmo Service and does not apply to the practices of any other PayPal service. This privacy policy applies to all information we collect through our web and mobile applications from current and former Venmo users, including you. When you are no longer our customer, we continue to share your information as described in this policy. This policy only applies to the Venmo Services and does not apply to the practices of any other PayPal service.
17 Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user. Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been aggregated and/or anonymized so that it does not identify a specific user.
18 THE INFORMATION WE COLLECT THE INFORMATION WE COLLECT
19 When you visit the website or use one of our mobile applications, we collect your IP address, and standard web log information, such as your browser type and the pages you accessed on our website. We also may collect certain geo-location information. If you do not agree to our collection of this information, you may not be able to use our Service. When you visit the website or use one of our mobile applications, we collect your IP address, and standard web log information, such as your browser type and the pages you accessed on our website. We also may collect certain geo-location information. If you do not agree to our collection of this information, you may not be able to use our Service.
20 If you open an account, we collect the following information from you: If you open a Venmo account, we collect the following information from you:
21 Account Information - text-enabled cellular/wireless telephone number, machine or mobile device ID and other similar information. Account Information - text-enabled cellular/wireless telephone number, machine or mobile device ID and other similar information.
22 Identification Information - your name, street address, email address, date of birth, and SSN (or other governmental issued verification numbers). Identification Information - your name, street address, email address, date of birth, and SSN (or other governmental issued verification numbers).
23 Device Information - Device Information -
24 We also may obtain information about you: (a) from your mobile device such as your device type, machine or mobile device identification number, geo-location, time zone, language setting, browser type, and IP address, and (b) from third parties for purposes of transaction processing, identity verification, fraud detection or prevention and other similar purposes. For fraud prevention purposes, we also may link your machine ID with the machines of others who use your same payment cards. information about you: (a) from your mobile device such as your device type, machine or mobile device identification number, geo-location, time zone, language setting, browser type, and IP address, and (b) from third parties for purposes of transaction processing, identity verification, fraud detection or prevention and other similar purposes. For fraud prevention purposes, we also may link your machine ID with the machines of others who use your same payment cards.
25 Social Web Information - including but not limited to your Facebook connect credentials (and information that you authorize Facebook share with us though permissions like this http://developers.facebook.com/images/devsite/auth-dialog-example.png ) and email account information. If you authorize Facebook Connect, the plug in allows us access to your friends' contact information. We also allow you to import data from other social web services, including but not limited to Twitter, FourSquare, and email service providers. Social and e-mail contact information helps you connect to friends and contacts for invitation and payment transmission purposes (as well as helping us improve our services and fight fraud). Additionally, another Venmo user may mention you in a transaction in which you are not a party to by “tagging” your username in a transaction note. When you are mentioned in a transaction, a link to your Venmo profile will appear in the transaction note and you will receive a notification about the mentions. You may manage certain contact preferences and notifications in your account settings. Social Web Information - including but not limited to your Facebook connect credentials and email account information. If you authorize Facebook Connect, the plug in allows us access to your friends contact information. We also allow you to import data from other social web services, including but not limited to Twitter, FourSquare, and email service providers. Social and e-mail contact information helps you connect to friends and contacts for invitation and payment transmission purposes (as well as helping us improve the Services and fight fraud). Additionally, another Venmo user may mention you in a transaction to which you are not a party by “tagging” your username in a transaction note or comment. When you are mentioned in a transaction note or comment into which you have visibility (e.g., a public transaction, a “friends only” transaction by one of your Venmo friends, or a comment on either such transaction), a link to your Venmo profile will appear in the transaction note or comment and, if your push notifications are turned on, you will receive a push notification about the mentions. You may manage certain contact preferences and notifications in your account settings.
26 Financial Information - bank account and routing numbers and credit cards linked to your Venmo account. Venmo does not share financial information with third party social networking services such as those listed in the prior bullet. Financial Information - bank account online login information, bank account and routing numbers and credit cards linked to your Venmo account. Venmo does not share financial information with third party social networking services such as those listed in the prior bullet.
27 We are committed to providing a safe, secure and all around great service. Therefore, before permitting you to use our Service, we may require additional information from you we can use to verify your identity, address or other information or to manage risk and compliance throughout our relationship. We may also obtain information about you from third parties such as identity verification, fraud prevention and similar services.Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey. We are committed to providing a safe, secure and all around great Service. Therefore, before permitting you to use our Service, we may require additional information from you we can use to verify your identity, address or other information or to manage risk and compliance throughout our relationship. We may also obtain information about you from third parties such as identity verification, fraud prevention and similar services.When you are using the Venmo Services, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention and other similar purposes.Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.
28 INFORMATION FROM CHILDREN INFORMATION FROM CHILDREN
29 We do not knowingly solicit or collect information from any individuals under the age of 18. We do not knowingly solicit or collect information from any individuals under the age of 18.
30 HOW WE USE COOKIES HOW WE USE COOKIES
31 When you access the website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer. When you visit our website, use our
32 For example, we send a "session cookie" to your computer any time you log in to your Venmo account. This type of cookie helps us to recognize you if you visit multiple pages on mobile application or the Venmo Services, or visit a third-party website for which we provide online services, we and certain business partners and vendors may use cookies and other tracking technologies (collectively, "Cookies"). We use Cookies to recognize you as a customer; customize Venmo Services, other content and advertising; measure the effectiveness of promotions; perform a wide range of analytics; mitigate risk and prevent potential fraud; and to promote trust and safety across our sites and Venmo Services.
33 our site during the same session, so that we don't need to ask you for your password on each page. Certain aspects and features of the Venmo Services and our website
34 You are free to decline Venmo cookies if your browser permits, but doing so may interfere with your use of the website are only available through the use of Cookies, so if you choose to disable or decline Cookies, your use of the websites and Venmo Services may be limited or not possible.
35 . Do Not Track: Do Not Track ("DNT") is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. We do not respond to DNT signals.
36 HOW WE PROTECT & STORE PERSONAL INFORMATION HOW WE PROTECT & STORE PERSONAL INFORMATION
37 We store and process your personal information using third party servers located in data centers in the United States, This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We also use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our office and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities. We store and process your personal information using third party servers located in data centers in the United States. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We also use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our office and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.
38 We make reasonable efforts to ensure security on our systems. Despite our efforts, we cannot guarantee that personal information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Venmo password with anyone. We strive to ensure security on our systems. Despite our efforts, we cannot guarantee that personal information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Venmo password with anyone.
39 If Venmo learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Venmo Service, you agree that Venmo may communicate with you electronically. Venmo may post a notice on the website if a security breach occurs. We may also send an email to you at the email address you have provided to us. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice of a security breach) you should notify us. If Venmo learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Venmo Services, you agree that Venmo may communicate with you electronically. Venmo may post a notice on the website or mobile application if a security breach occurs. We may also send an email to you at the email address you have provided to us. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice of a security breach) you should notify us.
40 HOW WE USE THE PERSONAL INFORMATION WE COLLECT HOW WE USE THE PERSONAL INFORMATION WE COLLECT
41 Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, fun and customized experience. We may use your personal information to: Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, fun and customized experience. We may use your personal information to:
42 provide the services and customer support you request; provide the services and customer support you request;
43 process transactions and send notices about your transactions or your network activity; process transactions and send notices about your transactions or your network activity;
44 resolve disputes, collect fees, and troubleshoot problems; resolve disputes, collect fees, and troubleshoot problems;
45 prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement;customize, personalize, measure, and improve our services and the content and layout of our website; prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement;create an account connection between your Venmo account and a third-party account or platform;customize, personalize, measure, and improve our services and the content and layout of our website;
46 send you updates about new products and services that we are offering to customers send you updates about new products and services that we are offering to customers;
47 compare information for accuracy and verify it with third parties; compare information for accuracy and verify it with third parties; and
48 perform other duties as required by law. perform other duties as required by law.
49 HOW WE SHARE PERSONAL INFORMATION WITHIN THE VENMO NETWORK HOW WE SHARE PERSONAL INFORMATION WITHIN THE VENMO NETWORK
50 To process payments on Venmo, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received and other verification metrics like social graph activity may be provided to users or companies when you transact with, on, or through Venmo. To process payments on Venmo, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received and other verification metrics like social graph activity may be provided to users or companies when you transact with, on, or through Venmo.
51 We work with vendors to enable them to accept payments from you using Venmo. In doing so, a vendor may share information about you with us, such as your mobile phone number or Venmo username, when you attempt to pay that vendor. We use this information to confirm to that vendor that you are a Venmo customer and that the vendor should enable Venmo as a form of payment for your purchase. We work with vendors to enable them to accept payments from you using Venmo. In doing so, a vendor may share information about you with us, such as your mobile phone number or Venmo username, when you attempt to pay that vendor. We use this information to confirm to that vendor that you are a Venmo customer and that the vendor should enable Venmo as a form of payment for your purchase.
52 Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through Venmo, except with your express permission or if we are required to do so to comply with a subpoena or other legal process. Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through Venmo, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.
53 HOW WE SHARE PERSONAL INFORMATION WITH OTHER PARTIES HOW WE SHARE PERSONAL INFORMATION WITH OTHER PARTIES
54 Venmo does not share your personal information with third parties for promotional or marketing purposes. Venmo does not share your personal information with third parties for their promotional or marketing purposes.
55 We may share your personal information with: We may share your personal information with:
56 Our parent company, PayPal, Inc. and affiliates and subsidiaries it controls, but only for purposes allowed by this document. Our parent company, PayPal, Inc. and affiliates and subsidiaries it controls, but only for purposes allowed by this document.
57 Companies that PayPal, Inc. plans to merge with or be acquired by or, in the event of any bankruptcy, a bankruptcy estate. Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice and the opportunity to communicate preferences you may have, if applicable. Companies that PayPal, Inc. plans to merge with or be acquired by or, in the event of any bankruptcy, a bankruptcy estate. Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice and the opportunity to communicate preferences you may have, if applicable.
58 Law enforcement, government officials, or other third parties if PayPal is compelled to do so by a subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of personal information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of the Venmo User Agreement, or as otherwise required by law. Law enforcement, government officials, or other third parties if PayPal is compelled to do so by a subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of personal information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of the Venmo User Agreement, or as otherwise required by law.
59 Third party service providers who assist us in providing services to you or who provide fraud detection or similar services on our [or any vendor's] behalf. Third party service providers who assist us in providing services to you or who provide fraud detection or similar services on our or any vendor’s behalf.
60 The other Venmo user participating in the transaction and, depending on the privacy setting of each Venmo account transaction, your Venmo friends and the Venmo friends of the other user participating in the transaction, or the public, through the Venmo feed on our website and app and elsewhere on the internet. The other Venmo user participating in the transaction and, depending on the privacy setting of each Venmo account transaction, your Venmo friends and the Venmo friends of the other user participating in the transaction, or the public, through the Venmo feed on our website and mobile application and elsewhere on the internet.
61 Service providers under contract who help with parts of our business operations (for example, fraud prevention, payment processing, or technology services); Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit. Service providers under contract who help with parts of our business operations (for example, fraud prevention, payment processing, or technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.
62 Other third parties with your consent or at your direction to do so. When you broadcast information to third-party services, such information is no longer under the control of Venmo and is subject to the terms of Other third parties with your consent or at your direction to do so, including if you authorize an account connection with a third-party account or platform.
63 For the purposes of this privacy policy, an "account connection" with such a third party is a connection you authorize or enable between your Venmo account and a non-Venmo account, payment instrument, or platform that you lawfully control or own. When you authorize such a connection, Venmo and the third-party will exchange your personal information and other information directly. Examples of account connections include: linking your Venmo account to a social media account or social messaging service; connecting your Venmo account to a third-party data aggregation or financial services company, if you provide such company with your Venmo account log-in credentials; or using your Venmo account to make payments to a merchant or allowing a merchant to charge your Venmo account.
64 If you connect your Venmo account to other financial accounts, directly or through a third-party service provider, we may have access to your account balance and account and transactional information, such as purchases and funds transfers. If you choose to create an account connection, we may receive information from the third-party about you and your use of the third-party’s service. For example, if you connect your Venmo account to a social media account, we will receive personal information from the social media provider via the account connection. We will use all such information that we receive from a third-party via an account connection in a manner consistent with this privacy policy.
65 use and privacy policies of such third parties. Venmo does not send your personal information to third-party social networks unless you have specifically requested or authorized us to do so Information that we share with a third-party based on an account connection will be used and disclosed in accordance with the third-party’s privacy practices. Before authorizing an account connection, you should review the privacy notice of any third-party that will gain access to your personal information as part of the account connection. For example, personal information that Venmo shares with a third-party account or platform such as a social media account may in turn be shared with certain other parties, including the general public, depending on the account’s or platform’s privacy practices.
66 . Venmo does not send your personal information to third-party social networks unless you have specifically requested or authorized us to do so. When you broadcast information to such third-party social networks, such information is no longer under the control of Venmo and is subject to the terms of use and privacy policies of such third parties.
67 HOW YOU CAN ACCESS OR CHANGE YOUR PERSONAL INFORMATION HOW YOU CAN ACCESS OR CHANGE YOUR PERSONAL INFORMATION
68 You can review and update your personal information in your account settings at any time by logging in to your account. You can review and update your personal information in your account settings at any time by logging in to your account.
69 LINKS TO OTHER SITES LINKS TO OTHER SITES
70 The website may contain links to other sites. Venmo does not control the information collection of sites that can be reached through links from the website. We encourage our users to be aware when they are leaving the website and to read the privacy statements of any site that collects personally identifiable information. The website or mobile application may contain links to other third-party websites. Venmo does not control the information collection of third-party websites that can be reached through links from the website. We encourage our users to be aware when they are leaving the website and to read the privacy statements of any third-party website that collects personally identifiable information.
71 CHANGES TO OUR PRIVACY POLICY CHANGES TO OUR PRIVACY POLICY
72 Venmo is always improving. As the Venmo service evolves we may occasionally update this privacy policy. If we modify this privacy policy, we will post the revised privacy policy to the website, and we will also revise the "last updated date" stated above. If we make material changes in the way we use personal information, we will notify you by posting an announcement on our service or by sending you an e-mail. It is your responsibility to periodically review this privacy policy;users are bound by any changes to the privacy policy by using the service after such changes have been first posted. Venmo is always improving. As the Venmo Services evolve we may occasionally update this privacy policy. If we modify this privacy policy, we will post the revised privacy policy to the website, and we will also revise the "last updated date" stated above. If we make material changes in the way we use personal information, we will notify you by posting an announcement on our mobile application or website or by sending you an e-mail. It is your responsibility to periodically review this privacy policy; users are bound by any changes to the privacy policy by using the Venmo Services after such changes have been first posted.
73 HOW TO CONTACT US HOW TO CONTACT US
74 If you have questions or concerns regarding this privacy policy, or any feedback pertaining to your privacy and the Venmo service that you would like us to consider, please email us at privacy@venmo.com If you have questions or concerns regarding this privacy policy, or any feedback pertaining to your privacy and the Venmo Services that you would like us to consider, please email us at privacy@venmo.comConsumer Privacy Notice
75 Venmo is a service provided by PayPal, Inc. ("Venmo")
76 Facts
77 What does Venmo do with your personal information?
78 Why?
79 Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
80 What?
81 The types of personal information we collect and share depend on the product or service you have with us. This information can include:
82 Social Security number and account balances
83 Payment history or transaction history
84 Credit history or credit scores
85 When you are no longer our customer, we continue to share your information as described in this notice.
86 How?
87 All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Venmo chooses to share; and whether you can limit this sharing.
88 Reasons we can share your personal information
89 Does Venmo share?
90 Can you limit this sharing?
91 For our everyday business purposes—
92 such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
93 Yes
94 No
95 For our marketing purposes—
96 to offer our products and services to you
97 Yes
98 No
99 For joint marketing with other financial companies
100 Yes
101 No
102 For our affiliates’ everyday business purposes—
103 information about your transactions and experiences
104 Yes
105 No
106 For our affiliates’ everyday business purposes—
107 information about your creditworthiness
108 No
109 We don’t share
110 For our affiliates to market to you
111 No
112 We don’t share
113 For nonaffiliates to market to you
114 No
115 We don’t share
116 Who we are
117 Who is providing this Privacy Policy?
118 This privacy notice is provided by Venmo, a service of PayPal, Inc. in connection with its provision of Venmo, and is applicable to your personal Venmo account.
119 What we do
120 How does Venmo protect my personal information?
121 To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
122 How does Venmo collect my personal information?
123 We collect your personal information, for example, when you
124 open an account or provide account information
125 link your credit or debit card to your Venmo account or give us your contact information
126 use your Venmo account to send or receive funds
127 We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
128 Why can’t I limit all sharing?
129 Federal law gives you the right to limit only
130 sharing for affiliates’ everyday business purposes— information about your creditworthiness
131 affiliates from using your information to market to you
132 sharing for nonaffiliates to market to you
133 State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.
134 Definitions
135 Affiliates
136 Companies related by common ownership or control. They can be financial and nonfinancial companies.
137 Our affiliates include Bill Me Later
138 Nonaffiliates
139 Companies not related by common ownership or control. They can be financial and nonfinancial companies.
140 Nonaffiliates with which we share personal information include service providers that perform services or functions on our behalf.
141 Joint Marketing
142 A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
143 Our joint marketing partners include financial companies.
144 Other important information
145 We may transfer personal information to other countries, for example, for customer service or to process transactions.
146 California: If your Venmo account has a California mailing address, we will not share personal information we collect about you except to the extent permitted under California law.
147 Vermont: If your Venmo account has a Vermont mailing address, we will not share personal information we collect about you with non-affiliates unless the law allows or you provide authorization.