Terakhir diperbarui: 9 Maret 2023
Kebijakan Privasi ini mencakup informasi penting tentang data pribadi Anda dan kami mendorong Anda untuk membacanya secara saksama. Anda juga dapat menemukan detail selengkapnya tentang kebijakan dan proses privasi kami di Pusat Privasi Link
We provide economic infrastructure for the internet. Businesses of all sizes use our software and services to accept payments and manage their businesses online. Stripe cares about the security and privacy of the personal data that is entrusted to us.
“Personal Data” means any information that relates to an identified or identifiable individual, and can include information about how you engage with our Services (e.g. device information, IP address).
“Services” means the products and services that Stripe indicates are covered by this Policy, which may include Stripe-provided devices and apps. Our “Business Services” are Services provided by Stripe to entities (“Business Users”) who directly and indirectly provide us with “End Customer” Personal Data in connection with those Business Users’ own business and activities. Our “End User Services” are those Services which Stripe directs to individuals (rather than entities) so that those individuals do business directly with Stripe. “Sites” means Stripe.com and the other websites that Stripe indicates are covered by this Policy. Collectively, we refer to Sites, Business Services and End User Services as “Services”.
Depending on the context, “you” means End Customer, End User, Representative or Visitor:
- When you directly use an End User Service (such as when you sign up for Link, or make a payment to Stripe Climate in your personal capacity), for your personal use, we refer to you as an “End User.”
- When you do business with, or otherwise transact with, a Business User (typically a merchant using Stripe Checkout, e.g. when you buy a pair of shoes from a merchant that uses Stripe for payment processing) but are not directly doing business with Stripe, we refer to you as an “End Customer.”
- When you are acting on behalf of an existing or potential Business User (e.g. you are a founder of a company, or administering an account for a merchant who is a Business User), we refer to you as a “Representative.”
- When you visit a Site without being logged into a Stripe account or otherwise communicate with Stripe, we refer to you as a “Visitor.” (e.g. you send Stripe a message asking for more information because you are considering being a user of our products).
Depending on the activity, Stripe acts as a “data controller” or “data processor” and for more information about this and on the Stripe entity that is responsible under this Policy, see here.
3. Legal bases for processing data
For the purposes of the General Data Protection Regulation, we rely upon a number of legal bases to enable our processing of your Personal Data. For more information, see here.
a. Contractual and Pre-Contractual Business Relationships. We process Personal Data for the purpose of entering into business relationships with prospective Business Users and End Users and to perform the respective contractual obligations with them. Activities include:
- Creation and management of Stripe accounts and Stripe account credentials, including the evaluation of applications to commence or expand the use of our Services;
- Creation and management of Stripe Checkout accounts;
- Accounting, auditing, and billing activities; and
- Processing of payments, including fraud detection, loss prevention, optimizing valid transactions, communications regarding such payments, and related customer service.
b. Legal Compliance. We process Personal Data to verify the identity of individuals and entities in order to comply with fraud monitoring, prevention and detection obligations, laws associated with the identification and reporting of illegal and illicit activity, such as "Anti-Money Laundering ("AML") and Know-Your-Customer ("KYC")" obligations, and financial reporting obligations. For example, we may be required to record and verify a User's identity for the purpose of compliance with legislation intended to prevent money laundering and financial crimes. These obligations are imposed on us by the operation of law and may require us to report our compliance to third parties, and to submit to third party verification audits.
c. Legitimate Interests. Where allowed under applicable law, we rely on our legitimate business interests to process Personal Data about you. The following list sets out the business purposes for which we have a legitimate interest in processing your data:
- Detect, monitor and prevent fraud and unauthorized payment transactions;
- Mitigate financial loss, claims, liabilities or other harm to End Customers, End Users, Business Users and Stripe;
- Determine eligibility for and offer new Stripe products and services Learn More;
- Respond to inquiries, send Service notices and provide customer support;
- Promote, analyze, modify and improve our Services, systems, and tools, and develop new products and services, including reliability of the Services;
- Manage, operate and improve the performance of our Sites and Services by understanding their effectiveness and optimizing our digital assets;
- Analyze and advertise our Services, and related improvements;
- Conduct aggregate analysis and develop business intelligence that enable us to operate, protect, make informed decisions, and report on the performance of, our business;
- Share Personal Data with third party service providers that provide services on our behalf and business partners which help us operate and improve our business Learn More;
- Enable network and information security throughout Stripe and our Services; and
- Share Personal Data among our affiliates.
d. Consent. We may rely on consent to collect and process Personal Data as it relates to how we communicate with you and for the provision of our Services such as Link, Financial Connections, Atlas and Identity. When we process data based on your consent, you have the right to withdraw your consent at any time without affecting the lawfulness of processing based on such consent before the consent is withdrawn.
4. Your rights and choices
You may have choices regarding our collection, use and disclosure of your Personal Data:
a. Opting out of receiving electronic communications from us
If you no longer want to receive marketing-related emails from us, you may opt-out via the unsubscribe link included in such emails or as described here. We will try to comply with your request(s) as soon as reasonably practicable. Please note that if you opt-out of receiving marketing-related emails from us, (i) we retain the right to communicate to you regarding the services you receive (e.g. support and important legal notices) and (ii) our Business Users may still send you messages and/or direct us to send you messages on their behalf.
b. Your data protection rights
Depending on your location and subject to applicable law, you may have the following rights described here with regard to the Personal Data we control about you:
- The right to request confirmation of whether Stripe processes Personal Data relating to you, and if so, to request a copy of that Personal Data;
- The right to request that Stripe rectify or update your Personal Data that is inaccurate, incomplete or outdated;
- The right to request that Stripe erase your Personal Data in certain circumstances provided by law. Learn More;
- The right to request that Stripe restrict the use of your Personal Data in certain circumstances, such as while Stripe considers another request that you have submitted (including a request that Stripe make an update to your Personal Data);
- The right to request that we export your Personal Data that we hold to another company, where technically feasible;
- Where the processing of your Personal Data is based on your previously given consent, you have the right to withdraw your consent at any time;
- Where we process your information based on our legitimate interests, you may also have the right to object to the processing of your Personal Data. Unless we have compelling legitimate grounds or where it is needed for legal reasons, we will cease processing your information when you object. Learn More.
- The right not to be discriminated against for exercising these rights; and/or
- The right to appeal any decision by Stripe relating to these rights.
You may have additional rights regarding your Personal Data under applicable law.For example, see Jurisdiction-specific provisions section under California below.
c. Process for exercising your data protection rights
To exercise your data protection rights please also see the Stripe Privacy Center or contact us as described below.
5. Security and retention
We make reasonable efforts to provide a level of security appropriate to the risk associated with the processing of your Personal Data. We maintain organizational, technical and administrative measures designed to protect Personal Data covered by this Policy against unauthorized access, destruction, loss, alteration or misuse. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure.
To help us protect Personal Data, where you have an account with Stripe, we encourage you to use a strong password, protect that password from unauthorized use and not use the same log-in credentials (e.g. password) for your Stripe accounts as you do with other services or accounts. If you have reason to believe that your interaction with us is no longer secure (e.g. you feel that the security of your Stripe account has been compromised), please contact us immediately. Learn More.
We retain your Personal Data as long as we are providing the Services to you or our Business Users (as applicable) or for a period during which we reasonably anticipate providing the Services. Even after we stop providing Services directly to you or a Business User with which you are doing business, and even if you close your Stripe account or complete a transaction with a Business User, we may retain your Personal Data:
- to comply with our legal and regulatory obligations.
- to enable fraud monitoring, detection and loss prevention activities.
- to comply with our tax, accounting, and financial reporting obligations
- where required by our contractual commitments to our financial partners (and where data retention is mandated by the payment methods you used).
In cases where we keep Personal Data, we do so in accordance with any limitation periods and records retention obligations that are imposed by applicable law. Learn More.
6. International data transfers
We are a global business. We may transfer your Personal Data to countries other than your own country, including to the United States. These countries may have data protection rules that are different from your country. When transferring data across borders, we take measures to comply with applicable data protection laws related to such transfer. In certain situations, we may be required to disclose Personal Data in response to lawful requests from officials (such as law enforcement or security authorities).Learn More.
If you are located in the European Economic Area ("EEA"), the United Kingdom ("UK") or Switzerland, please see Stripe Privacy Center for more information. Where applicable law requires a data transfer mechanism, we use one or more of the following:
- Transfers to certain countries or recipients that are recognised as having an adequate level of protection for Personal Data under applicable law.
- EU Standard Contractual Clauses approved by the European Commission and the UK International Data Transfer Addendum issued by the Information Commissioner's Office. You can obtain a copy of the relevant Standard Contractual Clauses. Learn More.
- or other legal methods available to us under applicable law.
While Stripe, Inc. remains self-certified under the E.U.-U.S. Privacy Shield and the Swiss-U.S. Privacy Shield, it is not currently relying on these frameworks for the transfer of Personal Data to the United States.
7. Updates and notifications
We may change this Policy from time to time to reflect new services, changes in our privacy practices or relevant laws. The "Last updated" legend at the top of this Policy indicates when this Policy was last revised. Any changes are effective the latter of when we post the revised Policy on the Services or otherwise provide notice of the update as required by law.
We may provide you with disclosures and alerts regarding the Policy or Personal Data collected by posting them on our website and, if you are an End User or Representative, by contacting you through your Stripe Dashboard, email address and/or the physical address listed in your Stripe account.
8. Jurisdiction-specific provisions
- Australia. If you are an Australian resident, and you are dissatisfied with our handling of any complaint you raise under this Policy, you may wish to contact the Office of the Australian Information Commissioner.
- Brazil. To exercise your rights, you may contact our DPO. Brazilian residents, to whom the Lei Geral de Proteção de Dados Pessoais ("LGPD") applies, have rights set forth in Article 18 of the LGPD.
- Canada. As used in this Policy, "applicable law" includes the Federal Personal Information Protection and Electronic Documents Act (PIPEDA) and "Personal Data" includes "personal information" as defined under PIPEDA.
- EEA and UK. To exercise your rights, you may contact our DPO. If you are a resident of the EEA or if we have identified Stripe Payments Europe Limited as your data controller, and you believe our processing of your information is not in line with the General Data Protection Regulation (GDPR), you may direct your questions or complaints to the Irish Data Protection Commission. If you are a resident of the UK, you may direct your questions or concerns to the UK Information Commissioner's Office. Where Personal Data is used for regulated financial activities in Europe, Stripe Payments Europe Limited and Stripe local regulated entities (defined as those who are licensed, authorized or registered by a Local Regulatory Authority) are considered joint controllers. Learn More.
- India. If you have any questions or complaints regarding the processing of your Personal Data in India, please contact our Nodal and Grievance Officer here. Learn More.
- Indonesia. As used in this Policy, "applicable law" includes Law No. 11 of 2008 as amended by Law No. 19 of 2016 on Electronic Information and Transactions, Government Regulation No. 71 of 2019 on the Implementation of Electronic Systems and Transactions, and Minister of Communication and Informatics Regulation No. 20 of 2016 on Personal Data Protection in Electronic Systems and "Personal Data" includes "personal data" as defined under such laws.
- Japan. When we transfer Personal Data of data subjects in Japan to jurisdictions that are not recognized as 'adequate' by the Personal Information Protection Commission, we enter into written agreements with any third parties located outside of Japan. These written agreements provide rights and obligations equivalent to those provided under the Japanese Act on the Protection of Personal Information. For more information on how we ensure that third parties protect your data and where your data is located, please see above or contact us as described below. For a description of foreign systems and frameworks that may affect the implementation of equivalent measures by the third party, see here.
- Malaysia. If you have any questions or complaints about this Policy, please contact our DPO.
- Switzerland. As used in this Policy, "applicable law" includes the Swiss Federal Act on Data Protection (FADP), as revised. To exercise your rights under the FADP, please contact our DPO.
- Thailand. If we process your Personal Data due to a legal obligation or contractual right and you do not provide us with personal Information, we may not be able to lawfully provide you services.
- Your Rights and Choices. As a California consumer and subject to certain limitations under the CCPA, you have choices regarding our use and disclosure of your personal information (learn more about data subject rights metrics). In addition to the above rights (see here), please note these other California-specific rights:
- Exercising the right to know: You have a right to request additional information about the categories of personal information collected, sold, disclosed, or shared; purposes for which this personal information was collected, sold, or shared; categories of sources of personal information; and categories of third parties with whom we disclosed or shared this personal information.
- Exercising the right to opt-out from a sale: We do not sell "Personal Information" as defined by the CCPA and have not done so in the past 12 months.
- Exercising the right to limit the use or sharing of Sensitive Personal Information:we do not sell or share Sensitive Personal Information as defined by the CCPA and have not done so in the past 12 months. Learn more about our collection and use of Sensitive Personal Information here.
- Right to opt-out of sharing of cross-context behavioral advertising. Learn more here and here.
- To submit a request to exercise any of the rights described above, please contact us using the methods described in the Contact Us section below. We will verify your request by asking you to send it from the email address associated with your account or requiring you to provide information necessary to verify your identity, including name, address, transaction history, photo identification, and other information associated with your account.
- You may designate, in writing or through a power of attorney, an authorized agent to make requests on your behalf to exercise your rights under the CCPA. Your agent may submit a request on your behalf by contacting us using the methods described in the Contact Us section below.We may still require you to directly verify your identity and confirm that you provided the authorized agent permission to submit the request.
- Do Not Track and signals. Learn more about how we honor "do not track" and other signals.