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Google Wallet Privacy Policy

November 16, 2011

The Google Privacy Policy describes how we treat personal information when you use Google's products and services. In addition, the following describes our privacy practices that are specific to the Google Wallet services provided by Google Inc. and its wholly-owned subsidiaries. Capitalized terms not defined in this Google Wallet Privacy Policy shall have the meaning ascribed to them in the Google Wallet Terms of Service.

For detailed information about Google Wallet services please refer to the Google Wallet Terms of Service.

"Google Wallet" refers to the following Google payment services:

The Processing Service which allows the storage of payment instruments and processing of online payment transactions with participating merchants; and

Mobile Wallet which allows you to (i) make purchases at participating retail locations using an application on your smartphone with near-field communication (“NFC”) capabilities (i.e., the Mobile Wallet Application); and (ii) make purchases on participating merchant websites from the mobile browser on your smart phone.

Information that we collect and how we use it

  • Registration information - When you sign up for Google Wallet, we ask that you associate your Google Wallet account with a Google Account so that we can provide you with the service. If you register a Carrier Billing Account, the information that we require to register for the service includes your mobile telephone number, and the name and billing address associated with that number. For sellers, we also require you to provide your bank account number and, in some situations, your personal address, your business category, a government-issued identification number (for example, social security number or taxpayer identification number for US residents) and certain information about your sales or transaction volume. This information allows us to process payments and protect users from fraud. In some cases, we may also ask you to send us additional information or to answer additional questions to help verify your information. The information we collect is stored in association with your Google Account.
  • Registration of a Payment Method - If you store a payment method with Google Wallet, information that may be required includes, as applicable, your name, credit or debit card number, card expiration date, address, phone number, email address, date of birth and last four digits of Social Security number. This information may be stored on Google servers to synchronize your payment methods between the Mobile Wallet Application on your phone and the Processing Service. Data elements regarding card verification number (CVN) may be stored on the mobile device in encrypted form, but not on Google’s servers. We may also receive information about the provisioning of the payment method to your device.
  • Information obtained from third parties - In order to protect you from fraud or other misconduct, we may obtain information about you from third parties to verify the information you provide. For example, we may use card authorization and fraud screening services to verify that your credit or debit card information and address match the information that you provided to us. Also, for sellers using the Processing Service, we may obtain information about you and your business from a credit bureau or a business information service such as Dun & Bradstreet. We also may obtain information from third parties in connection with providing Google Wallet to you, such as information arising from Google Wallet transactions at merchant locations and information from the Carrier in connection with Carrier Billing.
  • Transaction information - When you use the Processing Service to conduct a transaction, we collect information about each transaction, including the transaction amount, a description provided by the seller of the goods or services being purchased, the names of the seller and buyer and the type of payment used. We may also collect transaction data from your use of the Mobile Wallet. For example, if you use the Mobile Wallet Application to make a purchase at a merchant or download a merchant coupon, we may obtain information regarding that transaction from the Mobile Wallet Application, from the merchant and/or a partner, as applicable. The information may include the date and time of the purchase, the store location, the amount of the purchase, and the offer associated with the transaction.
  • Information collected to prevent fraud - In order to protect you from fraud, phishing and other misconduct, we may collect information about your interaction with the service to help validate your identity or detect potentially fraudulent conduct. For example, in some circumstances we may try to determine service usage patterns (such as how quickly you type) so that we can try to detect and prevent unauthorized attempts to access your account (such as automated hacking attacks or the use of stolen usernames or passwords). Any such information that we collect will only be used to detect and prevent fraud or other misconduct, unless you explicitly grant us permission to use it in another manner.
  • Information about your use of Google Wallet - We may collect information about your interaction with the Mobile Wallet. This may include, for example, data on number of offers saved, payment attempts, and provisioning activity. Using added services may require your opt-in consent for Google Wallet to offer the functionality. For example, you may be offered the opportunity to opt-in to a service whereby Mobile Wallet would present offers to you based on your past transaction activities.
  • Offer information - If you choose to clip and save an offer, we will collect the offer and provision it to the Mobile Wallet Application on your mobile device.
  • Google cookies - When you access a Google Wallet through a browser, we send one or more cookies - a small file containing a string of characters - to your computer to uniquely identify your browser. We use cookies to improve the quality of our service by storing user preferences and tracking user trends. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. Please note that you will not be able to access certain features of Google Wallet if your cookies are disabled.
  • Log information - When you use Google Wallet through a browser, our servers automatically record information that your browser sends whenever you visit a website. These server logs may include information such as your web request, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser.
  • Device information – When you use Google Wallet through a mobile device, we may collect information about your phone (including device and hardware IDs) for technical support and debugging purposes.
  • User communications - When you send an email or other communication to us, we may retain those communications in order to process your enquiries, respond to your requests and improve our services.
  • Links - We may present links in a format that enables us to keep track of whether these links have been followed. We use this information to improve the quality of our search technology, customized content and advertising. For more information about links and redirected URLs, please see our FAQs.

In addition to the above, we use information that we collect to:

  • Provide offers, coupons and other similar products to you for goods or services that may be provided by merchants, partners and other third parties alone or jointly with Google;
  • To assist third parties in the provisions of products or services that you request from third parties, such as Third Party Provider Wallet Services described below;
  • Provide our products and services to you, including the display of customized content and advertising;
  • Perform auditing, research and analysis in order to maintain, protect and improve our services;
  • Ensure the technical functioning of our network; and
  • Develop new services.

We process personal information on our servers in the United States of America and in other countries. In some cases, we process personal information on a server outside your own country. We may process personal information to provide our own services. In some cases, we may process personal information on behalf of and according to the instructions of a third party, such as our advertising partners.

Use of Google Wallet At Third Party Providers, Merchants and Other Third Parties

“Third Party Provider Wallet Services” are products or services provided by third party providers (“Third Party Providers”) that you access through Google Wallet. These Third Party Provider Wallet Services are subject to the Third Party Provider’s terms and conditions and privacy policy. This Google Wallet Privacy Policy does not apply to Third Party Provider Wallet Services. Third Party Providers are not affiliated with Google. The Third Party Provider Wallet Services are identified within the Google Wallet as being offered to you by the specified partner.

When you register with a Third Party Provider for a Third Party Provider Wallet Service and subsequently use the Third Party Provider Wallet Service, Google Wallet will disclose certain information to the Third Party Provider. The Third Party Providers receipt of, use of, and disclosure of your personal information from Google Wallet is subject to the Third Party Provider’s privacy policy and data security policy.

If you are making a purchase or undertaking a loyalty item or offer redemption at a merchant retail location or on a merchant website using Mobile Wallet, Mobile Wallet may transmit certain information to the merchant, including for example your card number and other personal information needed to complete the transaction (for example, the fact that you have previously purchased 10 cups of coffee and are redeeming an offer for a free cup of coffee). We are not responsible for which merchants or other third parties you choose to share information with from Mobile Wallet. This Privacy Policy does not apply to your use of Mobile Wallet with third parties and any resulting data uses or disclosures by such third parties.

Information Sharing

We will not sell or rent your personal information to companies or individuals outside of Google. If you are making a purchase through Google Wallet, we may share portions of your credit card number with the retailer to identify the transaction, but we will not share your full credit card number with the retailer without your opt-in consent, except in the limited circumstances described below. In addition, we will only share your personal information with other companies or individuals outside Google as permitted Google Privacy Policy and in the following circumstances:

  • As necessary to process your transaction and maintain your account. As with any credit card payment, if you process a credit card transaction through the Processing Service, we need to share some information (for example, your name and credit card number) with the banks and other entities in the financial system that process credit card transactions. For payment transactions processed through your Carrier Billing Account, we will need to share information with the Carrier holding your Carrier Billing Account in order to charge your Carrier Billing Account and for other purposes related to processing Carrier Billing transactions, such as purchases, reversals, refunds, adjustments, disputes and customer support. Some retailers require that their buyers provide a telephone number in order to process a transaction. In those cases, we will share your telephone number with the merchant and you will be notified before you complete your transaction. At a merchant’s request, we may also serve Processing Service transaction data through a web beacon so that the merchant can analyze or audit its web traffic. We will provide you with a notice when a web beacon is served within Google Wallet. For more information on web beacons, click here.
  • To a Third Party Provider, to complete your registration for Third Party Provider Wallet Services and to facilitate Third Party Provider Wallet Services you request.
  • To detect, prevent or otherwise address fraud, security or technical issues.
  • We have your consent. We require opt-in consent for the sharing of any sensitive personal information, except as otherwise described in this section or the Google Privacy Policy.
  • We provide such information to our subsidiaries, affiliated companies or other businesses or entities for the purpose of processing personal information on our behalf. We require that these parties agree to process such information based on our instructions and in compliance with this Policy and any other appropriate confidentiality and security measures.
  • We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce applicable Terms of Service, including investigation of potential violations thereof, (c) detect, prevent or otherwise address fraud, security or technical issues or (d) protect against imminent harm to the rights, property or safety of Google, its users or the public as required or permitted by law.
  • If you are using a credit card issued by the merchant from whom you are making a purchase through the Processing Service (i.e., a 'private label credit card'), that merchant will receive your entire credit card number in association with your purchase.
  • If you make purchases on participating merchant websites from your smartphone using the Mobile Wallet, that merchant will receive your entire card number in association with your purchase.
  • We may share aggregated non-personally identifiable information with third parties. For example, we may disclose that overall usage of Google Wallet in a particular geographic area or that a certain percentage of users use a particular type of credit or debit card. However, if we do share this aggregated information, we do not include personally identifiable information without your explicit opt-in consent or in the limited circumstances described above.

When you shop at a seller for the first time and complete an order, you’ll be given a choice whether you'd like to receive promotional emails from the seller. If you decide later that you don't want to receive promotional emails from a seller, you will need to contact the seller directly.

If Google or its subsidiaries become involved in a merger, acquisition or any form of sale of some or all of their assets, we will provide notice before personal information is transferred and becomes subject to a different privacy policy.

Information security

We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data that is stored at Google in connection with Google Wallet. These include internal reviews of our data collection, storage and processing practices and security measures, as well as physical and technical security measures to guard against unauthorized access to systems where we store personal data. For example, your credit card number will always be stored in an encrypted form (except when you provide it to us in a communication outside our web page interface).

The security of your Google Wallet account also depends on keeping your account password confidential, and you should not share your account name or password with anyone. If you do share your account information with a third party, they will have access to your account and your personal information.

The Google Wallet Service information security program does not apply to any information, such as information arising from a Third Party Provider Wallet Service, that is stored on your Google Wallet Application, as that information is outside of the Google-controlled data centers. It is your responsibility to control access to your mobile device and the Google Wallet Application on your device, including keeping your PIN confidential and not sharing it with anyone. It is your responsibility to alert Google or the relevant partner if you believe that the security of the information in the Google Wallet Application has been compromised. For more information about our security practices, please see the main Google Privacy Policy.

Accessing and updating personal information

You can review and update your payment information available through the Processing Service by logging in to your Google Account or the Mobile Wallet Application and going to the 'Purchase History' page, where you can update or remove your address and method of payment. You can also view your previous transaction history on the ‘Purchase History’ page.

You can disable the Google Wallet Processing Service by contacting us. Mobile Wallet can be disabled through the Mobile Wallet Application. If you do so, your payment information and transaction history will no longer be viewable through Google Wallet. However, in order to meet our reporting and auditing obligations and to detect, deter as well as prevent fraud or other misconduct on our systems, the information will be retained in our systems for so long as there remains a business necessity. If you disable Google Wallet, your personally identifiable information will not be used by Google or shared with third parties except for these purposes. We may delete these records over time if permitted or required by law.

Disabling Google Wallet does not close or cancel your Google Account. For more information about how to manage your Google Account preferences, please click here. This Privacy Policy continues to apply to the personal information that we maintain after you disable Google Wallet or close or cancel your Google Account.

Sharing Between Affiliates

We operate the Google Wallet Processing Service through wholly owned subsidiaries of Google. For US users, that subsidiary is Google Payment Corporation and for European users that subsidiary is Google Payment Limited (based in the United Kingdom). For countries outside of the United States and Europe, please consult the Terms of Service made available to you within the service to learn more about the corporate entity offering the service. We operate the Mobile Wallet through Google Inc.

The information that we collect, including information obtained from third parties, is shared between Google Inc. and its subsidiaries to operate the service. Neither Google nor its subsidiaries will share your information with others except as described in this Privacy Policy.

We provide you with the right to opt out of certain sharing between Google and its subsidiaries. Specifically, you may choose to opt out of:

  • The sharing between Google and its subsidiaries of information that does not pertain to your transactions or experiences with Google Wallet (also called 'non-transactional information', e.g. information we may obtain from third parties to verify your identity) and
  • The use by Google of information shared between Google and its subsidiaries to promote Google products and services.

Please remember, regardless of whether you choose to opt out of this sharing or not, we will never sell or rent your personal information, and we will not share your personal information with anyone outside of Google or its subsidiaries except as described in this Privacy Policy.

If you don't want us to share non-transactional data between Google and its subsidiaries, please click here.

If you don't want us to use any information shared between Google and its subsidiaries to promote Google products and services to you, please click here.

Changes to this policy

Please note that this Privacy Policy may change from time to time. We will not reduce your rights under this Policy without your explicit consent. We will post any Privacy Policy changes on this page and, if the changes are significant, we will provide a more prominent notice (including notification in your account interface or email notification). Each version of this Privacy Policy will be identified at the top of the page by its effective date and we will also keep prior versions of this Privacy Policy in an archive for your review.

If you have any questions about this Policy, please feel free to contact us through our website or write to us at Privacy Matters, c/o Google Inc., 1600 Amphitheatre Parkway, Mountain View, California, 94043 USA.

Google and its subsidiaries adhere to the US Safe Harbour privacy principles of Notice, Choice, Onward Transfer, Security, Data Integrity, Access and Enforcement and are registered with the US Department of Commerce's Safe Harbour programme.