Privacy Statement

This privacy policy was last updated April 21, 2014.

As a leading provider of payment management and risk management services to hundreds of thousands of online businesses around the world, privacy and data protection are of the utmost importance to CyberSource Corporation and its subsidiaries, including Authorize.Net LLC, CyberSource Ltd., CyberSource Payment Solutions Pty Ltd., CyberSource NI Ltd., CYBS Singapore Pte Ltd., CyberSource K.K., and other subsidiaries (collectively "CyberSource"). This Privacy Policy for CyberSource ("Privacy Policy") details the company's policies with respect to the handling of your personally identifiable information ("Personal Information") submitted by you or otherwise collected by CyberSource via the company's website or in the course of providing services to CyberSource's customers. CyberSource will use and disclose Information only in accordance with the terms of this Privacy Policy.

Personal Information we collect

We collect Personal Information (information that can be used to identify an individual) such as

Name
Contact information (such as email, phone, and mailing address)
Order information
Merchant and merchant account information, including account information we may gather from third party sources
Order Information provided by you for the purpose of processing Orders

We may collect Personal Information when you choose to provide it to us through the Platform, as well as other sources, such as social media platforms, and from other third parties.

Other information we collect

We may collect information about your use of the Platform, such as

How you use the Platform
IP address and information about the device you use to access the Platform
Personal Information that you submit via an inquiry is collected only with your knowledge and active participation

We also collect or compile other information about you (such as enrollment numbers or demographic group information) on an aggregated and de-identified basis. We may use or share any other information with third parties for any lawful purpose.

Use of Cookies

CyberSource and its third party service providers use certain tools to collection information about you while browsing our website. These tools use cookies which are small text files that are stored on your computer’s hard drive. The cookies are used, among other things, to improve website performance, to provide you with customized viewing options, to compile statistical reports on website activity, or for security purposes. We also use cookies to recognize you as a merchant or a previous visitor of our website, or to pre-populate website forms. Such information may be disclosed to third parties to provide any of the activities mentioned above on behalf of CyberSource.

To find out more about cookies, including browser-specific instructions on how to restrict or block cookies, go to http://www.allaboutcookies.org. Remember, though, without cookies, you may not be able to take full advantage of all of our website features.

How we use Personal Information

Usage and disclosure of your Information varies based on your relationship with CyberSource. CyberSource primarily uses this information to provide the Platform and related features to you and to

Fulfill your requests and respond to your inquiries
Send administrative information to you, such as changes to our terms, conditions, and policies
Administer promotions or contests in which you choose to participate
Facilitate social sharing functionality
Analyze and monitor Platform usage and to make improvements
Help secure the Platform, prevent fraud and enforce our policies
Personalize our Platforms for you
Contact you about other CyberSource services or those of our affiliates or other third parties, if you agree
To contact you, directly or through a third party vendor, to complete a survey or questionnaire
Perform other activities with your consent
Conduct data analysis, audits, develop new products, identifying usage trends, determining the effectiveness of our promotional campaigns and operating and expanding our business activities

How we share Personal Information

We will only share Personal Information collected through the Platform as described in this policy, unless we provide you with other choices. Specifically, we may share your Personal Information

With companies and vendors that help us to operate our business by providing services such as website hosting, data analysis, information technology and related infrastructure provision, customer service, email delivery, auditing and other similar services
With third parties that have contracted with CyberSource to perform certain functions on our behalf
To contact you, directly or through a third party vendor, about other CyberSource offerings and to inform You about general company news and industry trends
To contact you, directly or through a third party vendor, regarding your responses to a survey or questionnaire completed by you
With third parties sponsors of promotions or contests in which you choose to participate
To comply with law or other legal obligations such as responding to subpoenas, or other requests from public and government agencies, including laws and other legal obligations outside your country of residence
To protect our rights, operations or property, or that of our users
To investigate, prevent, or take action regarding potential or suspected illegal activities, fraud, threats to the personal safety of any person, or violations of the Platform’s terms and conditions
With other related companies and companies that are owned by CyberSource as allowed by law. CyberSource is the party responsible for the management of the jointly-used Personal Information
With a purchaser of all or a unit of CyberSource (or the majority of CyberSource’s or its unit’s assets), including under a merger, acquisition, or internal reorganization of CyberSource or a unit of CyberSource
With your consent

Please note that any information you post to public areas of a Platform such as on our social media pages may be seen by other visitors.

Your Choices

You can choose not to provide us Personal Information when you use the Platform. However if the information request is not identified as optional and you choose to not provide required Personal information, then you may not be able to use the features of the Platfor.

You can opt out of receiving promotional email from a Platform managed by CyberSource by following the unsubscribe link in those email messages. You can opt out of receiving SMS text messages from CyberSource by replying STOP to any message.

You can configure your browser to reject cookies, or to notify you when a cookie is set. However, if you reject cookies, the Platform may not operate properly.

How you can access or edit your Personal Information

Some of our Platforms allow you to review and edit Personal Information that you entered. Otherwise, you may contact us at the email address at the bottom of this policy to request access to or that we update, or correct the Personal Information collected by our Platforms. Please note, that consistent with local law, CyberSource may retain your Personal Information for auditing purposes, to troubleshoot problems, assist with investigations, enforce our policies or comply with legal requirements. Please note that we are not responsible for permitting you to review, or for updating or deleting Personal Information that you provide to a third party, including any app, social media platform, or wireless service provider.

Linked services

This privacy policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site or service to which the Platform links. The inclusion of a link on the Platform does not imply endorsement of the linked site or service by Visa.

Please note that we are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, including any Personal Information you disclose to other organizations through or in connection with our Platforms.

Changes to this Privacy Policy

We may change this privacy policy at any time by posting an updated privacy policy.

Retention period

We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this policy unless a longer retention period is required or permitted by law.

Use of the Platform by minors

The Platform is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Platform.

Sensitive information

We ask that you not send us, and you not disclose, any sensitive Personal Information (e.g., social security numbers, information related to racial or ethnic origin, political opinions, religion or other beliefs, health, criminal background or trade union membership) on or through the Platform.

Notice to European Users

The Data Protection Act puts obligations on users of personal information and sets forth principles for its use. One principle states that information must be processed fairly and lawfully. This means that You are entitled to know how we intend to use any information You provide. You can then decide whether You want to give personal information to us. Details are publicly available at www.ico.gov.uk or from:

Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire SK9 5AF
Tel: 08456 30 60 60 or 01625 54 57 45
Fax: 01625 524510

The Data Protection Act does not generally apply to data about limited companies or partnerships, but it does cover personal data relating to sole traders and partnerships. When we receive an application from a business, we may perform a search with a credit reference agency and fraud prevention agency on the individual company directors or partners.

Order Information provided by you to CyberSource Customers and any Information that you provide to CyberSource directly will be transferred outside of the European Union to the United States. By providing personal information to CyberSource Customers or us, you are consenting to the transfer of such information outside of the EU and to its storage and use as described herein.

How to contact CyberSource regarding your privacy concerns and questions

If you have questions or comments about our privacy practices, or if you wish to contact us or if you want CyberSource to correct your Information that is stored on CyberSource systems, please submit your request in writing to:

CyberSource Corporation
P.O. Box 8999
San Francisco, CA 94128
ATTN: Compliance Officer
Fax: (650) 286-6547

OR

CyberSource Ltd.
P.O. Box 25
50 Bridge Street
Sydney
NSW 2000
Australia
ATTN: Compliance Officer
Fax: +61 2 9253 8801

Subject to our ability to verify your request, CyberSource will correct the Information within thirty (30) days of receipt of Your request.

Disputes

If you have a complaint about our treatment of your personal information, please contact our Privacy Officer using the contact details provided above. Our Privacy Officer will investigate your complaint and endeavour to resolve any issue to your satisfaction.

If we do not adequately answer your concerns, you have a right to make a complaint to the Office of the Australian Information Commissioner (OAIC). Complaints to the OAIC must be made in writing.

Further information about making a complaint to the OAIC can be found at:

http://www.oaic.gov.au/privacy/making-a-privacy-complaint