Informativa sulla privacy

Ultimo aggiornamento: 16 gennaio 2025

La presente Informativa sulla privacy include informazioni importanti sui dati personali degli utenti e Stripe ne consiglia un'attenta lettura.

Introduzione

Stripe fornisce un'infrastruttura finanziaria per Internet. Persone fisiche e aziende di qualsiasi dimensione impiegano la tecnologia e i servizi di Stripe per agevolare gli acquisti, accettare pagamenti, inviare bonifici e gestire le attività online.

La presente Informativa sulla privacy ("Informativa") descrive i Dati personali raccolti da Stripe, le modalità di utilizzo e condivisione degli stessi e i dettagli su come gli utenti possono contattare Stripe in merito alle richieste in materia di privacy. Inoltre, l'Informativa indica i diritti degli utenti interessati e le relative scelte, ad esempio il diritto di opposizione a determinati utilizzi da parte di Stripe dei Dati personali degli utenti. 

A seconda dell'attività, Stripe assume il ruolo di "responsabile del controllo dei dati" e/o di "responsabile del trattamento dei dati" (o di "fornitore di servizi"). Per ulteriori dettagli sulle prassi di Stripe in materia di privacy, ad esempio sul ruolo di Stripe, sulle entità Stripe specifiche responsabili ai sensi della presente Informativa e sulle basi giuridiche di Stripe per il trattamento dei Dati personali degli utenti, fare riferimento al Centro privacy di Stripe.

Definizioni

Nella presente Informativa, "Stripe", "Azienda" e simili fanno riferimento all'entità Stripe responsabile di raccolta, utilizzo e gestione dei Dati personali, secondo quanto specificato nel presente documento. L'entità Stripe specifica responsabile dei Dati personali degli utenti può variare a seconda della giurisdizione. Ulteriori informazioni.

Con "Dati personali" si fa riferimento a qualsiasi informazione associata a un individuo identificato o identificabile, ad esempio i dati forniti a Stripe dagli utenti e le informazioni raccolte da Stripe durante l'interazione degli utenti con i relativi Servizi (ad esempio, dati sui dispositivi, indirizzo IP ecc.).

Il termine "Servizi" fa riferimento a prodotti, servizi, dispositivi e applicazioni forniti da Stripe ai sensi del Contratto di servizio di Stripe ("Servizi aziendali") o dei Termini di servizio per i consumatori ("Servizi per utenti finali"), ai siti web ("Siti") come Stripe.com e Link.com e ad altre applicazioni e servizi online di Stripe. Stripe eroga Servizi aziendali a determinati soggetti ("Utenti aziendali"). Stripe eroga i Servizi per utenti finali direttamente a persone fisiche per uso personale. 

Il termine "Partner finanziari" indica istituti finanziari, banche e altri partner come acquirenti dei metodi di pagamento, fornitori di servizi di pagamento e circuiti di carte di credito con cui Stripe collabora per erogare i Servizi.

A seconda del contesto, "utente" può riferirti a un Cliente finale, a un Utente finale, a un Rappresentante o a un Visitatore:

• Utenti finali. Chi utilizza un Servizio per utenti finali ad esempio il salvataggio di un metodo di pagamento tramite Link per il solo uso personale si definisce "Utente finale".

• Clienti finali. Coloro che non hanno rapporti commerciali diretti con Stripe, ma dai quali Stripe riceve Dati personali al fine di erogare i Servizi a un Utente aziendale, ad esempio per l'acquisto presso un Utente aziendale tramite una pagina di Stripe Checkout o per la ricezione di pagamenti da un Utente aziendale, vengono definiti "Clienti finali".

• Rappresentanti. Coloro che agiscono per conto di un Utente aziendale esistente o potenziale, ad esempio il fondatore di un'azienda, un amministratore per un Utente aziendale o il destinatario di una carta di credito per dipendenti da un Utente aziendale tramite Stripe Issuing, sono definiti "Rappresentanti".

• Visitatori. Quando gli utenti interagiscono con Stripe visitando un Sito senza aver effettuato l'accesso a un account Stripe o se l'interazione con Stripe non impone all'utente generico di essere Utente finale, Cliente finale o Rappresentante, l'utente è considerato un "Visitatore". Ad esempio, gli utenti sono considerati Visitatori quando inviano un messaggio a Stripe chiedendo ulteriori informazioni circa i Servizi.

Nella presente Informativa, il termine "Dati sulle transazioni" si riferisce ai dati raccolti e utilizzati da Stripe per agevolare le transazioni richieste dagli utenti. Alcuni Dati sulle transazioni costituiscono Dati personali e potrebbero includere: nome, indirizzo email, numero da contattare, indirizzo di fatturazione, indirizzo di spedizione, dati sul metodo di pagamento (ad esempio il numero di carta di credito o di debito, le informazioni sul conto bancario o l'immagine della carta di pagamento selezionata dall'utente), dettagli su esercente e località, importo dell'acquisto, data dell'acquisto e, in alcuni casi, informazioni sui prodotti acquistati.

1. Dati personali acquisiti da Stripe sugli utenti e modalità di utilizzo e condivisione

2. Altre modalità di acquisizione, uso e condivisione dei Dati personali da parte di Stripe

3. Basi giuridiche per il trattamento dei Dati personali

4. Diritti e scelte degli utenti

5. Sicurezza e conservazione

6. Trasferimenti internazionali di dati

7. Aggiornamenti e notifiche

8. Disposizioni specifiche per le diverse giurisdizioni

9. Recapiti

10. Informativa sulla privacy dei consumatori statunitensi

1. Personal Data we collect and how we use and share it

Our collection and use of Personal Data differs based on whether you are an End User, End Customer, Representative, or Visitor, and the specific Service that you are using. For example, if you're a sole proprietor who wants to use our Business Services, we may collect your Personal Data to onboard your business; at the same time, you might also be an End Customer if you've bought goods from another Business User that is using our Services for payment processing. You could also be an End User if you used our End User Service, such as Link, for those transactions.

1.1 End Users

We provide End User Services when we provide the Services directly to you for your personal use (e.g., Link). Additional details regarding our collection, usage, and sharing of End User Personal Data, including the legal bases we rely on for processing such data, can be found in our Privacy Center.

a. Personal Data we collect about End Users

• Using Link or Connecting your bank account. Stripe offers a service called "Link," which allows you to create an account and store information for future interactions with Stripe’s Services and Business Users. You may save a number of different kinds of Personal Data using Link. For instance, you may save your name, payment method details, contact information, and address to conveniently use saved information to pay for transactions across our Business Users. When you choose to pay with Link, we will also collect Transaction Data associated with your transactions. Learn More.

• You can also share and save bank account details to your Link account using Stripe’s Financial Connections product. When you use Financial Connections, Stripe will periodically collect and process your account information (such as bank account owner information, account balances, account number and details, account transactions, and, in some cases, log-in credentials). You can ask us to cease the collection of such data at any time. Learn More.

• Finally, you can use Link to store your identity documents (such as your driver’s license) so that you can share them in future interactions with Stripe or its Business Users.

• Paying Stripe. When you purchase goods or services directly from Stripe, we receive your Transaction Data. For instance, when you make a payment to Stripe Climate, we collect information about the transaction, as well as your contact and payment method details.

• Identity/Verification Services. We offer an identity verification service that automates the comparison of your identity document (such as a driver’s license) with your image (such as a selfie). You can separately consent to us using your biometric data to enhance our verification technology, with the option to revoke your consent at any time. Learn More.

• For further information about other types of Personal Data that we may collect about End Users, including about your online activity and your engagement with our End User Services, please see the More ways we collect, use, and share Personal Data section below.

b. How we use and share Personal Data of End Users

• Services. We use and share your Personal Data to provide the End User Services to you, which includes support, personalization (such as language preferences and setting choices), and communication about our End User Services (such as communicating Policy updates and information about our Services). For example, Stripe may use cookies and similar technologies or the data you provide to our Business Users (such as when you input your email address on a Business User’s website) to recognize you and help you use Link when visiting our Business User’s website. Learn more about how we use cookies and similar technologies in Stripe’s Cookie Policy.

• Our Business Users. When you use Link to make payments with our Business Users, we share your Personal Data, including name, contact information, payment method details, and Transaction Data with those Business Users. Learn More. You can also direct Stripe to share your saved bank account information and identity documents with Business Users you do business with. Once we share your Personal Data with Business Users, we may process that Personal Data as a Data Processor for those Business Users, as detailed in Section 1.2 of this Policy.  You should consult the privacy policies of the Business Users’ you do business with for information on how they use the information shared with them.

• Fraud Detection and Loss Prevention. We use your Personal Data collected across our Services to detect fraud and prevent financial losses for you, us, and our Business Users and Financial Partners, including detecting unauthorized purchases. We may provide Business Users and Financial Partners, including those that use our fraud prevention-related Business Services (such as Stripe Radar), with Personal Data about you (including your attempted transactions) so that they can assess the fraud or loss risk associated with the transaction. Learn more about how we may use technology to assess the fraud risk associated with an attempted transaction and what information we share with Business Users and Financial Partners here and here.

• Advertising. Where permitted by applicable law, we may use your Personal Data, including Transaction Data, to assess your eligibility for, and offer you, other End User Services or promote existing End User Services, including through co-marketing with partners such as Stripe Business Users. Learn more. Subject to applicable law, including any consent requirements, we use and share End User Personal Data with third party partners to allow us to advertise our End User Services to you, including through interest-based advertising, and to track the efficacy of such ads. We do not transfer your Personal Data to third parties in exchange for payment, but we may provide your data to third-party partners, such as advertising partners, analytics providers, and social networks, who assist us in advertising our Services to you. Learn more.

• More. For further information about ways we may use and share End Users' Personal Data, please see the More ways we collect, use, and share Personal Data section below.

1.2 End Customers

Stripe provides various Business Services to our Business Users, which include processing in-person or online payments or payouts for those Business Users. When acting as a service provider—also referred to as a Data Processor—for a Business User, we process End Customer Personal Data in accordance with our agreement with the Business User and the Business User's lawful instructions. This happens, for example, when we process a payment for a Business User because you purchased a product from them, or when the Business User asks us to send you funds.

Business Users are responsible for ensuring that the privacy rights of their End Customers are respected, including obtaining appropriate consents and making disclosures about their own data collection and use associated with their products and services. If you're an End Customer, please refer to the privacy policy of the Business User you're doing business with for its privacy practices, choices, and controls.

We provide more comprehensive information about our collection, use, and sharing of End Customer Personal Data in our Privacy Center, including the legal bases we rely on for processing your Personal Data.

a. Personal Data we collect about End Customers

• Transaction Data. If you're an End Customer making payments to, receiving refunds or payments from, initiating a purchase or donation, or otherwise transacting with our Business User, whether in-person or online, we receive your Transaction Data. We may also receive your transaction history with the Business User. Learn More. Additionally, we may collect information entered into a checkout form even if you opt not to complete the form or transaction with the Business User. Learn More. A Business User who uses Stripe’s Terminal Service to provide its goods or services to End Customers may use the Terminal Service to collect End Customer Personal Data (like your name, email, phone number, address, signature, or age) in accordance with its own privacy policy.

• Identity/Verification Information. Stripe provides a verification and fraud prevention Service that our Business Users can use to verify Personal Data about you, such as your authorization to use a particular payment method. During the process, you’d be asked to share with us certain Personal Data (like your government ID and selfie for biometric verification, Personal Data you input, or Personal Data that is apparent from the physical payment method like a credit card image). To protect against fraud and determine if somebody is trying to impersonate you, we may cross-verify this data with information about you that we've collected from Business Users, Financial Partners, business affiliates, identity verification services, publicly available sources, and other third party service providers and sources. Learn More.

• More. For further information about other types of Personal Data that we may collect about End Customers, including about your online activity, please see the More ways we collect, use, and share Personal Data section below.

b. How we use and share Personal Data of End Customers

To provide our Business Services to our Business Users, we use and share End Customers' Personal Data with them. Where allowed, we also use End Customers' Personal Data for Stripe’s own purposes such as enhancing security, improving and offering our Business Services, and preventing fraud, loss, and other damages, as described further below.

• Payment processing and accounting. We use your Transaction Data to deliver Payment-related Business Services to Business Users — including online payment transactions processing, sales tax calculation, and invoice, bill, and dispute handling — and to help them determine their revenue, settle their bills, and execute accounting tasks. Learn More. We may also use your Personal Data to provide and improve our Business Services.

• During payment transactions, your Personal Data is shared with various entities in connection with your transaction. As a service provider or data processor, we share Personal Data to enable transactions as directed by Business Users. For instance, when you choose a payment method for your transaction, we may share your Transaction Data with your bank or other payment method provider, including as necessary to authenticate you, Learn More, process your transaction, prevent fraud, and handle disputes. The Business User you choose to do business with also receives Transaction Data and might share the data with others. Please review your merchant’s, bank’s, and payment method provider’s privacy policies for more information about how they use and share your Personal Data.

• Financial services. Certain Business Users leverage our Services to offer financial services to you via Stripe or our Financial Partners. For example, a Business User may issue a card product with which you can purchase goods and services. Such cards could carry the brand of Stripe, the bank partner, and/or the Business User. In addition to any Transaction Data we may generate or receive when these cards are used for purchases, we also collect and use your Personal Data to provide and manage these products, including assisting our Business Users in preventing misuse of the cards. Please review the privacy policies of the Business User and, if applicable, our bank partners associated with the financial service (the brands of which may be shown on the card) for more information.

• Identity/Verification services. We use Personal Data about your identity to perform verification services for Stripe or for the Business Users that you are transacting with, to prevent fraud, and to enhance security. For these purposes we may use Personal Data you provide directly or Personal Data we obtain from our service providers, including for phone verification. Learn More. If you provide a selfie along with an image of your identity document, we may employ biometric technology to compare and calculate whether they match and verify your identity. Learn More.

• Fraud detection and loss prevention. We use your Personal Data collected across our Services to detect and prevent losses for you, us, our Business Users, and Financial Partners. We may provide Business Users and Financial Partners, including those using our fraud prevention-related Business Services, with your Personal Data (including your attempted transactions) to help them assess the fraud or loss risk associated with a transaction. Learn more about how we may use technology to assess the fraud risk associated with an attempted transaction and what information we share with Business Users and Financial Partners here and here.

• Our Business Users (and their authorized third parties). We share End Customers' Personal Data with their respective Business Users and parties directly authorized by those Business Users to receive such data. Here are common examples of such sharing:

  • When a Business User instructs Stripe to provide another Business User with access to its Stripe account, including data related to its End Customers, via Stripe Connect.
    
  • Sharing information that you have provided to us with a Business User so that we can send payments to you on behalf of that Business User.
    
  • Sharing information, documents, or images provided by an End Customer with a Business User when the latter uses Stripe Identity, our identity verification Service, to verify the identity of the End Customer. 
    

• The Business Users you choose to do business with may further share your Personal Data with third parties (like additional third party service providers other than Stripe). Please review the Business User’s privacy policy for more information.

• Advertising by Business Users. If you initiate a purchasing process with a Business User, the Business User receives your Personal Data from us in connection with our provision of Services even if you don't finish your purchase. The Business User may use your Personal Data to market and advertise their products or services, subject to the terms of their privacy policy. Please review the Business User’s privacy policy for more information, including your rights to stop their use of your Personal Data for marketing purposes.

• More. For further information about additional ways by which we may use and share End Customers' Personal Data, please see the More ways we collect, use, and share Personal Data section below.

1.3 Representatives

We collect, use, and share Personal Data from Representatives of Business Users (for example, business owners) to provide our Business Services. For more information about how we collect, use, and share Personal Data from Representatives, as well as the legal bases we rely on for processing such Personal Data, please visit our Privacy Center.

a. Personal Data we collect about Representatives 

• Registration and contact information. When you register for a Stripe account for a Business User (including incorporation of a Business), we collect your name and login credentials. If you register for or attend an event organized by Stripe or sign up to receive Stripe communications, we collect your registration and profile data. As a Representative, we may collect your Personal Data from third parties, including data providers, to advertise, market, and communicate with you as detailed further in the More ways we collect, use, and share Personal Data section below. We may also link a location with you to tailor the Services or information effectively to your needs. Learn More.

• Identification Information. As a current or potential Business User, an owner of a Business User, or a shareholder, officer, or director of a Business User, we need your contact details, such as name, postal address, telephone number, and email address, to fulfill our Financial Partner and regulatory requirements, verify your identity, and prevent fraudulent activities and harm to the Stripe platform. We collect your Personal Data, such as ownership interest in the Business User, date of birth, government-issued identity documents, and associated identifiers, as well as any history of fraud or misuse, directly from you and/or from publicly available sources, third parties such as credit bureaus and via the Services we provide. Learn More. You may also choose to provide us with bank account information.

• More. For further information about other types of Personal Data that we may collect about Representatives, including your online activity, please see the More ways we collect, use, and share Personal Data section below.

b. How we use and share Personal Data of Representatives 

We typically use the Personal Data of Representatives to provide the Business Services to the corresponding Business Users. The ways we use and share this data are further described below.

• Business Services. We use and share Representatives’ Personal Data with Business Users to provide the Services requested by you or the Business User you represent.

• In some instances, we may have to submit your Personal Data to a government entity to provide our Business Services, for purposes such as the incorporation of a business, or calculating and paying applicable sales tax. For our tax-related Business Services, we may use your Personal Data to prepare tax documents and file taxes on behalf of the Business User you represent. For our Atlas business incorporation Services, we may use your Personal Data to submit forms to the IRS on your behalf and file documents with other government authorities, such as articles of incorporation in your state of incorporation.

• We share Representatives’ Personal Data with parties authorized by the corresponding Business User, such as Financial Partners servicing a financial product, or third party apps or services the Business User chooses to use alongside our Business Services. Here are common examples of such sharing:

  • Payment method providers, like Visa or WeChat Pay, require information about Business Users and their Representatives who accept their payment methods. This information is typically required during the onboarding process or for processing transactions and handling disputes for these Business Users. Learn More.
    
  • A Business User may authorize Stripe to share your Personal Data with other Business Users to facilitate the provision of Services through Stripe Connect.
    

• The use of Personal Data by a third party authorized by a Business User is subject to the third party’s privacy policy.

• If you are a Business User who has chosen a name that includes Personal Data (for example, a sole proprietorship or family name in a company name), we will use and share such information for the provision of our Services in the same way we do with any company name. This may include, for example, displaying it on receipts and other transaction-identifying descriptions.

• Fraud detection and loss prevention. We use Representatives’ Personal Data to identify and manage risks that our Business Services might be used for fraudulent activities causing losses to Stripe, End Users, End Customers, Business Users, Financial Partners, and others. We also use information about you obtained from publicly available sources, third parties like credit bureaus and from our Services to address such risks, including to identify patterns of misuse and monitor for terms of service violations. Stripe may share Representatives' Personal Data with Business Users, our Financial Partners, and third party service providers, including phone verification providers, Learn More, to verify the information provided by you and identify risk indicators. Learn More. We also use and share Representatives' Personal Data to conduct due diligence, including conducting anti-money laundering and sanctions screening in accordance with applicable law.

• Advertising. Where permitted by applicable law, and where required with your consent, we use and share Representatives’ Personal Data with third parties, including Partners, so we can advertise and market our Services and Partner integrations. Subject to applicable law, including any consent requirements, we may advertise through interest-based advertising and track the efficacy of such ads. See our Cookie Policy. We do not transfer your Personal Data to third parties in exchange for payment. However, we may provide your data to third party partners, like advertising partners, analytics providers, and social networks, who assist us in advertising our Services. Learn more. We may also use your Personal Data, including your Stripe account activity, to evaluate your eligibility for and offer you Business Services or promote existing Business Services. Learn more.

• More. For further information about additional ways by which we may use and share Representatives’ Personal Data, please see the More ways we collect, use, and share Personal Data section below.

1.4 Visitors

We collect, use, and share the Personal Data of Visitors. More details about how we collect, use, and share Visitors’ Personal Data, along with the legal bases we rely on for processing such Personal Data, can be found in our Privacy Center.

a. Personal Data we collect about Visitors

When you browse our Sites, we receive your Personal Data, either provided directly by you or collected through our use of cookies and similar technologies. See our Cookie Policy for more information. If you opt to complete a form on the Site or third party websites where our advertisements are displayed (like LinkedIn or Facebook), we collect the information you included in the form. This may include your contact information and other information pertaining to your questions about our Services. We may also associate a location with your visit. Learn More.

• More. Further details about other types of Personal Data that we may collect from Visitors, including your online activity, can be found in the More ways we collect, use, and share Personal Data section below.
  

b. How we use and share Personal Data of Visitors

• Personalization. We use the data we collect about you using cookies and similar technologies to measure engagement with the content on the Sites, improve relevancy and navigation, customize your experience (such as language preference and region-specific content), and curate content about Stripe and our Services that's tailored to you. For instance, as not all of our Services are available globally, we may customize our responses based on your region.

• Advertising. Where permitted by applicable law, and where required with your consent, we use and share Visitors’ Personal Data with third parties, including Partners, so we can advertise and market our Services and Partner integrations. Subject to applicable law, including any consent requirements, we may advertise through interest-based advertising and track the efficacy of such ads. See our Cookie Policy. We do not transfer your Personal Data to third parties in exchange for payment, but we may provide your data to third party partners, like advertising partners, analytics providers, and social networks, who assist us in advertising our Services. Learn more.

• Engagement. As you interact with our Sites, we use the information we collect about and through your devices to provide opportunities for further interactions, such as discussions about Services or interactions with chatbots, to address your questions.

• More. For more information about additional ways we may use and share Visitors’ Personal Data, please see the More ways we collect, use, and share Personal Data section below.

2. More ways we collect, use, and share Personal Data

In addition to the ways described above, we also process your Personal Data as follows:

a. Collection of Personal Data

• Online Activity. Depending on the Service used and how our Business Services are implemented by the Business Users, we may collect information related to:

  • The devices and browsers you use across our Sites and third party websites, apps, and other online services (“Third Party Sites”).
    
  • Usage data associated with those devices and browsers and your engagement with our Services, including data elements like IP address, plug-ins, language preference, time spent on Sites and Third Party Sites, pages visited, links clicked, payment methods used, and the pages that led you to our Sites and Third Party Sites. We also collect activity indicators, such as mouse activity indicators, to help us detect fraud. Learn More. See also our Cookie Policy.
    

• Communication and Engagement Information. We also collect information you choose to share with us through various channels, such as support tickets, emails, or social media. If you respond to emails or surveys from Stripe, we collect your email address, name, and any other data you opt to include in your email or responses. If you engage with us over the phone, we collect your phone number and any other information you might provide during the call. Calls with Stripe or Stripe representatives may be recorded. Learn More. Additionally, we collect your engagement data, like your registration for, attendance at, or viewing of Stripe events and any other interactions with Stripe personnel.

• Forums and Discussion Groups. If our Sites allow posting of content, we collect Personal Data that you provide in connection with the post.

b. Use of Personal Data. 

Besides the use of Personal Data described above, we use Personal Data in the ways listed below:

• Analyzing, Improving, and Developing our Services. We collect and process Personal Data throughout our various Services, whether you are an End User, End Customer, Representative, or Visitor, to improve our Services, develop new Services, and support our efforts to make our Services more efficient, relevant, and useful to you. Learn More.  We may use Personal Data to generate aggregate and statistical information to understand and explain how our Services are used.  Examples of how we use Personal Data to analyze, improve, and develop our products and services include:

  • Using analytics on our Sites, including as described in our Cookie Policy, to help us understand your use of our Sites and Services and diagnose technical issues. 
    
  • Training machine learning models to power our Services and protect against fraud and other harm.
    
  • Analyzing and drawing inferences from Transaction Data to reduce costs, fraud, and disputes and increase authentication and authorization rates for Stripe and our Business Users. 
    

• Communications. We use the contact information we have about you to deliver our Services, which may involve sending codes via SMS for your authentication. Learn More. If you are an End User, Representative, or Visitor, we may communicate with you using the contact information we have about you to provide information about our Services and our affiliates’ services, invite you to participate in our events, surveys, or user research, or otherwise communicate with you for marketing purposes, in compliance with applicable law, including any consent or opt-out requirements. For example, when you provide your contact information to us or when we collect your business contact details through participation at trade shows or other events, we may use this data to follow up with you regarding an event, provide information requested about our Services, and include you in our marketing information campaigns. Where permitted under applicable law, we may record our calls with you to provide our Services, comply with our legal obligations, perform research and quality assurance, and for training purposes.

• Social Media and Promotions. If you opt to submit Personal Data to engage in an offer, program, or promotion, we use the Personal Data you provide to manage the offer, program, or promotion. We also use the Personal Data you provide, along with the Personal Data you make available on social media platforms, for marketing purposes, unless we are not permitted to do so.

• Fraud Prevention and Security. We collect and use Personal Data to help us identify and manage activities that could be fraudulent or harmful across our Services, enable our fraud detection Business Services, and secure our Services and transactions against unauthorized access, use, alteration or misappropriation of Personal Data, information, and funds. As part of the fraud prevention, detection, security monitoring, and compliance efforts for Stripe and its Business Users, we collect information from publicly available sources, third parties (such as credit bureaus), and via the Services we offer. In some instances, we may also collect information about you directly from you, or from our Business Users, Financial Partners, and other third parties for the same purposes. Furthermore, to protect our Services, we may receive details such as IP addresses and other identifying data about potential security threats from third parties. Learn More. Such information helps us verify identities, conduct credit checks where lawfully permitted, and prevent fraud. Additionally, we might use technology to evaluate the potential risk of fraud associated with individuals seeking to procure our Business Services or arising from attempted transactions by an End Customer or End User with our Business Users or Financial Partners.

• Compliance with Legal Obligations. We use Personal Data to meet our contractual and legal obligations related to anti-money laundering, Know-Your-Customer ("KYC") laws, anti-terrorism activities, safeguarding vulnerable customers, export control, and prohibition of doing business with restricted persons or in certain business fields, among other legal obligations. For example, we may monitor transaction patterns and other online signals and use those insights to identify fraud, money laundering, and other harmful activity that could affect Stripe, our Financial Partners, End Users, Business Users and others. Learn More. Safety, security, and compliance of our Services are key priorities for us, and collecting and using Personal Data is crucial to this effort.

• Minors. Our Services are not directed to children under the age of 13, and we request that they do not provide Personal Data to seek Services directly from Stripe. In certain jurisdictions, we may impose higher age limits as required by applicable law.

c. Sharing of Personal Data. 

Besides the sharing of Personal Data described above, we share Personal Data in the ways listed below:

• Stripe Affiliates. We share Personal Data with other Stripe-affiliated entities for purposes identified in this Policy.

• Service Providers or Processors. In order to provide, communicate, market, analyze, and advertise our Services, we depend on service providers. These providers offer critical services such as providing cloud infrastructure, conducting analytics for the assessment of the speed, accuracy, and/or security of our Services, verifying identities, identifying potentially harmful activity, and providing customer service and audit functions. We authorize these service providers to use or disclose the Personal Data we make available to them to perform services on our behalf and to comply with relevant legal obligations. We require these service providers to contractually commit to security and confidentiality obligations for the Personal Data they process on our behalf. The majority of our service providers are based in the European Union, the United States of America, and India. Learn More.

• Financial Partners. We share Personal Data with certain Financial Partners to provide Services to Business Users and offer certain Services in conjunction with these Financial Partners. For instance, we may share certain Personal Data, such as payment processing volume, loan repayment data, and Representative contact information, with institutional investors and lenders who purchase loan receivables or provide financing related to Stripe Capital.  Learn More.

• Others with Consent. In some situations, we may not offer a service, but instead refer you to others (like professional service firms that we partner with to deliver the Atlas Service). In these instances, we will disclose the identity of the third party and the information to be shared with them, and seek your consent to share the information.

• Corporate Transactions. If we enter or intend to enter a transaction that modifies the structure of our business, such as a reorganization, merger, sale, joint venture, assignment, transfer, change of control, or other disposition of all or part of our business, assets, or stock, we may share Personal Data with third parties in connection with such transaction. Any other entity that buys us or part of our business will have the right to continue to use your Personal Data, subject to the terms of this Policy.

• Compliance and Harm Prevention. We share Personal Data when we believe it is necessary to comply with applicable law; to abide by rules imposed by Financial Partners in connection with the use of their payment method; to enforce our contractual rights; to secure and protect the Services, rights, privacy, safety, and property of Stripe, you, and others, including against malicious or fraudulent activity; and to respond to valid legal requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities, which may include authorities outside your country of residence.

3. Basi giuridiche per il trattamento dei Dati personali

Per gli scopi del Regolamento generale sulla protezione dei dati (GDPR) e di altre normative in materia di protezione dei dati vigenti, Stripe si attiene a una serie di basi giuridiche per trattare i Dati personali degli utenti. Ulteriori informazioni. Per alcune giurisdizioni, potrebbero essere previste altre basi giuridiche che sono illustrate nella sezione Disposizioni specifiche per le diverse giurisdizioni di seguito.

• *a. Rapporti commerciali contrattuali e precontrattuali. Stripe tratta i Dati personali per allacciare rapporti commerciali con potenziali Utenti aziendali e Utenti finali e per adempiere ai propri obblighi contrattuali nei loro confronti. Ecco di seguito alcune attività di trattamento:

  • Creazione e gestione degli account Stripe e delle credenziali degli account Stripe, compresa la valutazione delle richieste per avviare o ampliare l'utilizzo dei Servizi;
    
  • Creazione e gestione degli account Stripe Checkout;
    
  • Attività di contabilità, verifica e fatturazione;
    
  • Elaborazione dei pagamenti e attività correlate, inclusi il rilevamento delle frodi, la prevenzione delle perdite e l'ottimizzazione delle transazioni, le comunicazioni concernenti tali pagamenti e le relative attività finalizzate al servizio di assistenza clienti.
    

• b. Conformità legale. Stripe tratta i Dati personali per verificare l'identità di persone fisiche e giuridiche allo scopo di rispettare gli obblighi di monitoraggio, prevenzione e rilevamento delle frodi e di conformarsi alle leggi che regolamentano l'identificazione e la segnalazione di attività illegali e illecite, ad esempio le normative su antiriciclaggio (AML) e adeguata verifica della clientela (KYC), nonché agli obblighi di reportistica finanziaria. A titolo di esempio, Stripe potrebbe essere tenuta a registrare e verificare l'identità di un Utente aziendale per conformarsi alle normative volte a prevenire il riciclaggio, le frodi e i reati finanziari. Tali obblighi di legge potrebbero imporre a Stripe di rendicontare a terzi la propria conformità ai suddetti obblighi e di sottoporsi ad accertamenti da parte di terzi.

• c. Legittimi interessi. Laddove consentito dalle leggi vigenti, per il trattamento dei Dati personali degli utenti, Stripe utilizza come base giuridica i propri legittimi interessi commerciali. L'elenco seguente fornisce un esempio di scopi commerciali per cui Stripe ha un legittimo interesse nel trattare i dati degli utenti:

  • Rilevamento, monitoraggio e prevenzione di frodi e transazioni di pagamento non autorizzate;
    
  • Mitigazione di perdite finanziarie, rivendicazioni, responsabilità o altri danni a Utenti finali, Clienti finali, Utenti aziendali, Partner finanziari e Stripe;
    
  • Individuazione dell'idoneità per e offerta di nuovi prodotti e servizi di Stripe (ulteriori informazioni);
    
  • Risposte alle richieste di informazioni, invio di comunicazioni sul Servizio ed erogazione dell'assistenza clienti;
    
  • Promozione, analisi, modifica e miglioramento di Servizi, sistemi e strumenti di Stripe e sviluppo di nuovi prodotti e servizi, anche volti a migliorare l'affidabilità dei Servizi stessi;
    
  • Gestione, conduzione e miglioramento delle prestazioni dei Siti e dei Servizi Stripe mediante l'analisi della loro efficacia e l'ottimizzazione delle risorse digitali;
    
  • Analisi e pubblicizzazione dei Servizi Stripe e relativi miglioramenti;
    
  • Esecuzione di analisi aggregate e sviluppo di strumenti di business intelligence che consentono a Stripe di operare, proteggere, prendere decisioni consapevoli su e rendicontare le prestazioni della propria attività;
    
  • Condivisione dei Dati personali con fornitori di servizi terzi per conto di Stripe e di partner commerciali che supportano Stripe nella conduzione e nel miglioramento della propria attività (ulteriori informazioni);
    
  • Garanzia di una sicurezza di rete e informazioni su Stripe e su tutti i relativi Servizi;
    
  • Condivisione dei Dati personali con le aziende affiliate di Stripe.
    

• d. Consenso. Stripe può affidarsi al consenso o al consenso esplicito per l'acquisizione e il trattamento dei Dati personali concernenti le interazioni con gli utenti e la fornitura di Servizi come Link, Financial Connections, Atlas e Identity. Quando il trattamento dei Dati personali si basa sul consenso prestato in precedenza dagli utenti, questi ultimi hanno il diritto di revocarlo in qualsiasi momento e tale revoca non influirà sulla legalità del trattamento eseguito in base al consenso precedente alla revoca.

• e. Interesse pubblico sostanziale. Stripe potrebbe trattare categorie speciali di Dati personali, in base a quanto definito dal Regolamento generale sulla protezione dei dati, quando tale trattamento si renda necessario per ragioni di interesse pubblico sostanziale e in base alle leggi vigenti, ad esempio nei casi in cui Stripe conduca controlli su persone politicamente esposte. Stripe potrebbe inoltre trattare i Dati personali relativi a condanne e reati penali laddove tale trattamento sia autorizzato dalle leggi vigenti, ad esempio quando esegue lo screening delle sanzioni per rispettare gli obblighi di antiriciclaggio e di adeguata verifica della clientela.

• f. Altre basi giuridiche valide. Stripe può ulteriormente trattare i Dati personali in base ad altre basi giuridiche valide, secondo quanto riconosciuto dalle leggi vigenti in giurisdizioni specifiche. Per ulteriori informazioni, consultare la sezione Disposizioni specifiche per le diverse giurisdizioni di seguito.

4. Diritti e scelte degli utenti

A seconda della località di appartenenza e ai sensi delle leggi vigenti, gli utenti possono operare delle scelte relativamente all'acquisizione, all'utilizzo e alla divulgazione dei propri Dati personali da parte di Stripe:

a. Disattivazione della ricezione di comunicazioni elettroniche da parte di Stripe.

Per interrompere la ricezione di email di marketing da parte di Stripe, gli utenti possono disattivarne la ricezione utilizzando l'apposito link presente all'interno delle email, secondo quanto descritto qui. Stripe si impegna a elaborare la richiesta degli utenti non appena ragionevolmente possibile. Tuttavia, pur disattivando la ricezione delle email di marketing da Stripe, quest'ultima mantiene il diritto di inviare comunicazioni all'utente in merito ai Servizi resi (ad esempio, assistenza e importanti avvisi legali) e gli Utenti aziendali di Stripe possono comunque inviare messaggi all'utente o chiedere a Stripe di farlo per loro conto.

b. Diritti degli utenti circa la protezione dei dati.

A seconda del luogo in cui si trovano e nel rispetto delle leggi vigenti, gli utenti potrebbero essere titolari dei seguenti diritti relativi ai Dati personali trattati da Stripe in qualità di titolare del trattamento:

• Diritto di chiedere conferma del fatto che Stripe tratti i Dati personali associati agli utenti, le categorie di dati personali trattate e la parti terze o le categorie di terze parti con cui tali Dati personali sono trattati;

• Diritto di richiedere l'accesso ai Dati personali degli utenti trattati da Stripe (ulteriori informazioni);

• Diritto di chiedere a Stripe la rettifica o l'aggiornamento dei propri dati personali nel caso siano non accurati, incompleti o non aggiornati;

• Diritto di chiedere a Stripe la cancellazione dei propri Dati personali in determinate circostanze previste dalla legge (ulteriori informazioni);

• Diritto di chiedere a Stripe la limitazione nell'utilizzo dei propri Dati personali in determinate circostanze, come nel caso in cui Stripe prenda in considerazione un'altra richiesta presentata dagli utenti (compresa una richiesta di aggiornamento dei propri Dati personali);

• Diritto di chiedere l'esportazione dei propri Dati personali, qualora sia tecnicamente possibile, a un'altra azienda;

• Diritto di revocare il consenso laddove il trattamento dei Dati personali si basi sul consenso prestato in precedenza dagli utenti;

• Diritto di opporsi al trattamento dei propri Dati personali laddove Stripe tratti le informazioni degli utenti in base ai propri legittimi interessi; a meno che Stripe non abbia motivi legittimi cogenti o il trattamento non sia necessario per motivi legali, Stripe interrompe il trattamento dei Dati personali degli utenti alla ricezione di un'obiezione (ulteriori informazioni); 

• Diritto di non essere oggetto di discriminazione per aver esercitato i propri diritti; 

• Diritto di appellarsi a qualsiasi decisione di Stripe in merito ai propri diritti contattando il Responsabile della protezione dei dati (RDP) di Stripe all'indirizzo dpo@stripe.com e/o le agenzie normative pertinenti.

L'utente potrebbe avere diritti aggiuntivi, a seconda delle leggi vigenti, circa i propri Dati personali, ad esempio, fare riferimento alla sezione Disposizioni specifiche per le diverse giurisdizioni nella sezione Stati Uniti di seguito.

c. Procedura per l'esercizio dei diritti relativi alla protezione dei dati 

Per esercitare i propri diritti in materia di protezione dei dati circa i Dati personali trattati da Stripe in qualità di titolare del trattamento, consultare il Centro privacy o contattare Stripe come descritto di seguito.  Per i Dati personali trattati da Stripe in qualità di responsabile del trattamento, rivolgersi al titolare del trattamento (Utente aziendale) applicabile per esercitare i propri diritti. Qualora ci contattino in merito ai propri Dati personali trattati da Stripe in qualità di responsabile del trattamento, Stripe rimanda gli utenti al legittimo titolare del trattamento posto che sia possibile identificarlo.

5. Sicurezza e conservazione

Stripe si impegna, per quanto ragionevolmente possibile, a fornire un livello di sicurezza adeguato ai rischi associati al trattamento dei Dati Personali. Stripe adotta misure tecniche, organizzative e amministrative atte a proteggere i Dati Personali degli utenti ai sensi della presente Informativa da accesso non autorizzato, distruzione, perdita, modifica o uso improprio. Ulteriori informazioni. Sfortunatamente, nessuna trasmissione di dati o sistema di conservazione dei dati può garantire la sicurezza al 100%.  

Gli utenti sono invitati a supportare Stripe nella protezione dei propri Dati personali. Laddove abbiano registrato un account Stripe, gli utenti possono utilizzare una password complessa, proteggere la propria password dall'uso senza autorizzazione ed evitare di utilizzare credenziali di accesso identiche a quelle impostate anche in altri servizi o per altri account. Se l'utente ha motivo di credere che le sue interazioni con Stripe non siano più sicure (ad esempio, se ritiene che la sicurezza del suo account sia stata compromessa) deve contattarci immediatamente.

Stripe conserva i Dati personali degli utenti per il tempo necessario per continuare a erogare i Servizi per gli utenti o i suoi Utenti aziendali o per il periodo in cui preveda ragionevolmente di continuare a erogare i Servizi. A seguito dell'interruzione dell'erogazione dei Servizi direttamente all'utente o a un Utente aziendale con cui l'utente intrattiene rapporti commerciali e anche qualora l'utente disattivi il proprio account Stripe o completi una transazione a favore di un Utente aziendale, Stripe può continuare a conservare i suoi Dati personali per:

• Adempiere ai propri obblighi legali o normativi;

• Consentire il monitoraggio e il rilevamento delle frodi e attività di prevenzione delle perdite;

• Adempiere ai propri obblighi di reportistica finanziaria, contabile e fiscale, anche se tale conservazione è imposta dagli accordi contrattuali di Stripe con i Partner finanziari (e laddove la conservazione dei dati sia imposta dai metodi di pagamento utilizzati dall'utente).

Nei casi in cui Stripe conserva i Dati personali, la conservazione avviene in modo conforme a tutti gli obblighi imposti dalle leggi vigenti relativi ai limiti di tempo e alla conservazione dei record. Ulteriori informazioni.

6. Trasferimenti internazionali di dati

Trattandosi di un'attività su scala globale, Stripe talvolta ha la necessità di trasferire i Dati personali degli utenti in paesi diversi da quello dell'utente, inclusi di Stati Uniti. I regolamenti sulla protezione dei dati di questi paesi potrebbero differire da quelli vigenti nei paesi in cui risiedono gli utenti. Durante il trasferimento transfrontaliero dei dati, Stripe adotta misure per rispettare le leggi vigenti in materia di protezione dei dati correlate a tale trasferimento. In determinate situazioni, Stripe potrebbe dover divulgare i Dati personali in risposta a richieste legittime da parte di funzionari, ad esempio, delle forze dell'ordine o delle autorità di sicurezza. Ulteriori informazioni.

Gli utenti residenti nello Spazio economico europeo ("SEE"), nel Regno Unito o in Svizzera possono consultare il Centro privacy per ulteriori informazioni. Quando un meccanismo di trasferimento dei dati è imposto dalle leggi vigenti, Stripe si avvale di almeno uno degli elementi seguenti:

• Trasferimenti verso determinati paesi o destinatari che sono riconosciuti come aventi un livello adeguato di protezione dei dati personali ai sensi delle leggi vigenti.  

• Clausole contrattuali standard dell'UE approvate dalla Commissione europea e l'Addendum per il trasferimento internazionale dei dati del Regno Unito emesso dall'Information Commissioner's Office. È possibile richiedere una copia delle clausole contrattuali standard pertinenti. Ulteriori informazioni.

• Altri metodi legali disponibili ai sensi delle leggi vigenti. 

Stripe, Inc. si conforma allo EU-U.S. Data Privacy Framework, all'estensione britannica dell'EU-U.S. Data Privacy Framework e allo Swiss-U.S. Data Privacy Framework secondo quanto previsto dallo U.S. Department of Commerce e come applicabile. Ulteriori informazioni.

Le prassi relative alla privacy adottate da Stripe, così come descritte nella presente Informativa sulla privacy, sono conformi alle norme Cross Border Privacy Rules System ("CBPR") e Privacy Rules for Processor ("PRP"). Tali norme forniscono alle organizzazioni un framework per garantire la protezione dei dati personali trasferiti tra gli stati aderenti. Laddove le norme CBPR e/o PRP siano riconosciute come un valido meccanismo di trasferimento ai sensi delle leggi vigenti, Stripe trasferisce i Dati personali nel rispetto delle certificazioni CBPR e PRP ottenute da Stripe. Ulteriori informazioni sul framework sono disponibili qui e qui. In caso di dubbi relativi alla privacy o all'utilizzo dei dati, non risolti o non affrontati in modo soddisfacente, è possibile rivolgersi al nostro delegato indipendente per la risoluzione delle controversie negli Stati Uniti (gratuitamente) all'indirizzo https://feedback-form.truste.com/watchdog/request. Per visualizzare lo stato delle nostre certificazioni, fare clic qui (CBPR) e qui (PRP).

7. Aggiornamenti e notifiche

Stripe potrebbe modificare la presente Informativa periodicamente per conformarla all'introduzione di nuovi servizi o a eventuali variazioni delle prassi relative alla privacy o alle leggi vigenti. La dicitura "Ultimo aggiornamento" all'inizio della pagina della presente Informativa indica la data dell'ultima revisione materiale. Eventuali modifiche entrano in vigore dal momento in cui Stripe pubblica l'Informativa rivista sui Servizi o invia un avviso dell'aggiornamento, come imposto dalle leggi, a seconda della condizione che si verifica dopo.

Stripe potrebbe fornire comunicazioni e avvisi relativi all'Informativa o ai Dati personali acquisiti pubblicandoli sul proprio sito web e contattando gli Utenti finali o i Rappresentanti tramite la Dashboard Stripe, l'indirizzo email e/o l'indirizzo fisico indicato negli account Stripe degli utenti.

8. Jurisdiction-specific provisions

• Australia. “Personal Data” includes “personal information” as defined under applicable privacy laws in Australia, including the Privacy Act 1988 (Cth) as amended from time to time. 

  • If we use personal information to make automated decisions that could reasonably be expected to significantly affect your rights or interests, we will provide the legally required information and transparency via our Privacy Center, and/or on a case by case basis. 
    
  • If you are an Australian resident and dissatisfied with our handling of any complaint you raise under this Policy, you may consider contacting the Office of the Australian Information Commissioner.
    

• Brazil. You may exercise your rights by contacting our DPO Adi Gilad at dpo@stripe.com. Brazilian residents, for whom the Lei Geral de Proteção de Dados Pessoais (“LGPD”) applies, have rights set forth in Article 18 of the LGPD.  If the LGPD is applicable to the processing of your Personal Data, you may have the right to:

  • Confirm the existence of the data processing;
    
  • Access your Personal Data;
    
  • Correct incomplete, inaccurate or outdated data;
    
  • Anonymize, block, or delete data that is unnecessary, excessive or processed in violation of the LGPD;
    
  • Transfer your data to another service or product provider;
    
  • Delete data processed with your consent;
    
  • Obtain information about the public or private entities with which Stripe has shared your Personal Data;
    
  • Obtain information about how to and the consequences of refusing consent; and
    
  • Withdraw consent.
    

• Canada. As used in this Policy, “applicable law” includes the Federal Personal Information Protection and Electronic Documents Act (“PIPEDA”), the Personal Information Protection Act, SBC 2003 c 63, in British Columbia, the Personal Information Protection Act, SA 2003 c P-6.5, in Alberta, and the Act Respecting the Protection of Personal Information in the Private Sector, CQLR c P-39-1 (“Quebec Private Sector Act”), in Quebec. Learn more.  “Personal Data” includes “personal information” as defined under those laws.

  • Stripe’s Chief Privacy Officer is the person in charge of personal information, including under the Quebec Private Sector Act.  You may contact them via email at privacy\@stripe.com.  When Stripe collects Personal Data belonging to Canadian (including Quebec) residents, it transfers that data to data centers in the United States.  When Stripe relies on service providers to process Personal Data as described herein, those service providers may also be located outside of Canada or Quebec.
    
  • You have the right to request access or rectification of the Personal Data Stripe holds related to you or to withdraw any consent given to the processing of such personal data.  You may exercise those rights by contacting Stripe’s Chief Privacy Officer at privacy\@stripe.com.  If you are an End Customer, you should contact the Business User with which you transacted to exercise your rights.
    

• EEA and UK. You may exercise your rights by contacting our DPO at dpo@stripe.com. If you are a resident of the EEA or the Stripe entity accountable for your Personal data is otherwise subject to the GDPR, and you believe our processing of your information contradicts the GDPR, you may direct your questions or complaints to the Irish Data Protection Commission. If you are a resident of the UK, direct your questions or concerns to the UK Information Commissioner’s Office. You also have additional rights under the EU-U.S. DPF and the UK Extension to the EU-U.S. DPF. Learn More.

• India. In this Policy, “applicable law” includes the Digital Personal Data Protection Act (“DPDPA”) once the DPDPA enters into effect. Further, the term “data controller” includes “data fiduciaries,” and the term “data subject” includes “data principal,” both as defined in the DPDPA.

  • In some cases, and as permitted under the DPDPA, we may rely on “legitimate use” as a legal basis. For example, we might do so when you voluntarily provide your Personal Data to us. Where we are required to obtain your explicit and informed consent, we will do so on a case by case basis. “Consent Managers” as defined under the DPDPA may submit a request to revoke or provide consent using the methods described in the Contact Us section below, or as set out in the following paragraph, or via other means made available by Stripe in the future. We may ask for proof of authorization and identity before processing such a request.
    
  • You have the right to contact Stripe to nominate another individual, who may, in the event of your death or incapacity, exercise your rights under this Privacy Policy and under the DPDPA and implementing regulations.
    
  • In certain cases, you may be asked to consent to the collection and processing of your Aadhaar number by Stripe India Private Limited and/or its third party verification partner(s). The purpose of this collection is to facilitate the identification verification process as required under applicable laws. Your provision of Aadhaar details is purely voluntary, and you may provide other identification documents as may be accepted by us from time to time. You will not be denied service merely for not submitting Aadhaar details.
    
  • If you have any questions or complaints regarding the processing of your Personal Data in India, or if you want to receive this Policy or communicate with us about privacy in one of India’s official languages, please contact our Nodal and Grievance Officer. Learn More. Alternatively, you may contact our DPO at dpo@stripe.com. If we are unable to address your complaint or grievance, you have the right to escalate the matter to the Data Protection Board of India.
    

• Indonesia. 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 from September 2024, Law No. 27 of 2022 concerning Personal Data Protection (“PDP Law”). If you have any questions or complaints about this Policy, please contact our DPO at dpo@stripe.com.

• Japan. In this Policy, “applicable law” includes the Act on the Protection of Personal Information (“APPI”). When we transfer Personal Data of data subjects in Japan to jurisdictions 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. In some cases, and as permitted under the APPI, we may rely on “public interest” as a legal basis, such as fraud detection and loss prevention.

• Malaysia. If you have any questions or complaints about this Policy, please contact our DPO at dpo@stripe.com.

• Singapore. In this Policy, “applicable law” includes the Personal Data Protection Act 2012 (“PDPA”) (No. 26 of 2012) as amended from time to time. In some cases, and as permitted under the PDPA, we may rely on “deemed consent” as a legal basis. For example, we do so when you voluntarily provide your personal data to us. If you have any questions or complaints about this Policy, please contact our DPO at dpo@stripe.com.

• Switzerland. 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 at dpo@stripe.com. You may also have additional rights under the Swiss-U.S. Data Privacy Framework. Learn More.

• Thailand. In this Policy, “applicable law” includes the Personal Data Protection Act 2019 (“PDPA”). If we rely on certain legal bases (such as “legal obligation” or “contractual necessity” and you do not provide us with your Personal Data, we may not be able to lawfully provide you services. If you have any questions or complaints about this Policy, please contact our DPO at dpo@stripe.com. Where required, we have put in place appropriate safeguards for the cross-border transfer of Personal Data from Thailand, including the EU Standard Contractual Clauses as adapted for Thailand data transfers in accordance with the Notification of the Personal Data Protection Committee on Criteria for the Protection of Personal Data Sent or Transferred to a Foreign Country Pursuant to Section 29 of the Personal Data Protection Act, B.E. 2562 B.E. 2566 (2023).

• United States. If you are a consumer located in the United States (“US”), we process your personal information in accordance with US federal and state privacy laws. For additional details, please review the information below and see our additional U.S. Privacy Disclosures here. Stripe uses cookies, including advertising cookies, as described in our Cookie Policy.

  • Your Rights and Choices. As a US consumer and subject to certain limitations under US privacy laws, you may have choices regarding our use and disclosure of your Personal Data.  In addition to the above rights, you may also have the rights listed in this section. Please see our Privacy Center to learn more about data subject rights metrics and learn more about the laws under which these rights may apply. 
    
    • 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 or sharing: We do not transfer your personal data to third parties in exchange for payment. However, as noted above, we may provide the data to third party partners, such as advertising partners, analytics providers, and social networks, who assist us in advertising our products and Services to you. Because these third parties may use the data Stripe provides for their own purposes, Stripe's provision of data to these parties may be considered a data “sale” or “sharing” (for behavioral advertising) as those terms are defined under the CCPA and other applicable US privacy laws. You can opt out of targeted advertising and any related data “sales” or “sharing” (for behavioral advertising) here.
      
    • Exercising the right to limit the use or sharing of Sensitive Personal Information: We do not sell or share (for behavioral advertising) Sensitive Personal Information as defined by US privacy laws and have not done so in the past 12 months. Learn more about our collection and use of Sensitive Personal Information over the last 12 months here.
      
    • Profiling with legal or similarly significant effects: In the event that we engage in profiling or automated decision making for which applicable law entitles you to an opt out we will provide you with notice of how to exercise that opt-out right.
      
    • Appeal: If you wish to appeal any of our decisions regarding a rights request under US privacy laws, you may do so by contacting Stripe’s Data Protection Officer (“DPO”) at dpo@stripe.com.
      
  • 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. Please note that rights under some U.S. state laws do not apply to Personal Data we collect, process, and disclose when you act as a consumer to obtain financial products or services from Stripe for personal, family, or household purposes. The federal Gramm-Leach Bliley Act may govern how Stripe shares and protects that data instead. See our US Consumer Privacy Notice below for more information.
    
  • 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 and other applicable US privacy laws. 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 gave the authorized agent permission to submit the request.
    

Global Privacy Control signals. Stripe honors the Global Privacy Control (GPC) opt-out preference signals. Learn More.

9. Recapiti

In caso di dubbi o reclami relativi alla presente Informativa è possibile contattare Stripe. I Clienti finali (ad esempio, i soggetti che intrattengono relazioni commerciali o completano transazioni con un Utente aziendale) possono fare riferimento all'informativa o all'avviso sulla privacy dell'Utente aziendale stesso per reperire informazioni sulle prassi per la privacy, sulle scelte e sui controlli attuati dall'Utente aziendale o contattare direttamente l'Utente aziendale.

Per ulteriori informazioni sulle prassi in materia di privacy di Stripe, visitare il Centro privacy di Stripe.