Welcome to the Visa SavingsEdge program from Visa Canada Corporation ("Visa", "we" or "us"). Please read below to learn how we collect, protect and use your data as part of this service.

This privacy policy applies both to the eligible corporation, limited liability company, partnership and sole proprietor ("Business") that holds a card enrolled in the Visa SavingsEdge program ("Card") and each individual who uses a Card through the Business ("Cardholder" or "you"). Where the Business directly enrolls Cardholders and Cards in the Program, the Business confirms it has the appropriate authority from each of these Cardholders for the collection, use, and disclosure of personal information described in this privacy policy.

Other Visa products and websites have their own separate privacy policies. The Visa.ca privacy policy does not apply to the Visa SavingsEdge program. This privacy policy does not change or amend the privacy policy that you have received from the financial institution that issued your Visa card.

This privacy policy was first published on May 1, 2013.

Information we collect

We collect Personal Information (information which can be used to identify you as an individual) that you provide us when you sign up such as

• Your name
• Contact information (including your email, phone, and mailing address)
• Visa card number

We also review the prior (up to 13 months) and future transaction history of the Visa cards you have enrolled in the Visa SavingsEdge program.

We collect information about your use of the Visa SavingsEdge program such as

• How you use the Visa SavingsEdge services and website
• IP address and information about the device you use to access the Visa SavingsEdge program

The Visa SavingsEdge program may get information about you from other sources such as

• The financial institution that issued your Visa card
• Other Visa services you use if we have the right to do so

We collect or compile non-Personal Information about Visa SavingsEdge users such as enrollment numbers or demographic group information on an aggregated and anonymized basis. We may share any non-Personal Information with third parties for any lawful purpose.

The Visa SavingsEdge program uses cookies and other web tracking technologies placed by us or companies providing services to us for the purposes described below.

How we use this information

We primarily use this information to provide the Visa SavingsEdge service to you and to

• Fulfill your requests and complete transactions
• Analyze usage and generally improve the service
• Ensure the security of the service, prevent fraud and enforce our policies
• Help personalize
• Your Visa SavingsEdge experience
• Offers and promotions we may deliver to you as part of the program
• If you agree, to contact you about the Visa SavingsEdge program including new features and services
• Perform other activities with your consent

How we share Personal Information

We will only share your Personal Information as described in this policy. Specifically, we may share your Personal Information

• With companies and vendors that help us to operate our business. We require that they protect your information and only use it for that purpose
• To comply with law or other legal obligations such as responding to subpoenas
• To protect our rights or property, or that of our users
• To investigate, prevent, or take action regarding potential or suspected illegal activities, fraud, threats to the personal safety of any person, or violations of the Visa SavingsEdge terms and conditions
• For a proposed or completed business transaction involving the sale of Visa (or all or part of our business)
• With your consent

Your Choices

You may refuse or withdraw your consent to our use of your Personal Information at any time with reasonable notice provided that once consent has been given we may still continue to use your Personal Information as described at the end of this section. You can refuse or withdraw consent to optional uses we identify to you. To withdraw your consent for any uses that are not optional you will have to cancel your participation in the Visa SavingsEdge program.

You can opt out of receiving email from the Visa SavingsEdge program by following the unsubscribe link in these emails.

To cancel your participation in the Visa SavingsEdge program, simply sign in to the program website at www.visasavingsedge.ca and click on "Manage Cards." Then, click the "delete" option next to each card you wish to remove from the program. If you delete all cards enrolled in the Visa SavingsEdge program, you will be removed from the program and no longer receive discounts on qualifying purchases at participating merchants.

Even though you have unenrolled, we may use your Personal Information to comply with law, prevent fraud, resolve disputes, assist with any investigations, enforce our policies, analyze and improve the service, and take other actions as permitted by law.

How you can access and edit your Personal Information

You can review and edit your Personal Information at any time by logging in to your Visa SavingsEdge account. To request access to any of your Personal Information not available through your Visa SavingsEdge account, please contact us in writing using our contact details provided below.

How we protect your Personal Information

Visa uses firewalls and Secure Socket Layers to help protect the Personal Information we collect from you when it is being communicated to us. Our policies restrict access to Personal Information to those employees and service providers who need to know the information in order to provide you this service. We maintain physical, electronic and procedural safeguards that comply with applicable privacy and data security laws and regulations.

Visa is part of a global payment network with affiliates, service providers and agents located in and outside of Canada. As result, personal information may be processed and stored in other countries. While we use contractual and other measures to ensure protection of personal information, governments, courts, law enforcement or regulatory agencies in these other countries may be able to obtain disclosure of personal information through the laws of these countries.

Changes to this Privacy Policy

We may change this privacy policy at any time by posting an updated privacy policy to the site. Changes will be effective when you accept the updated privacy policy or 30 days after the "Last Updated" date in the updated privacy policy, whichever comes first. If you don't affirmatively accept the updated privacy policy, your use of the Visa SavingsEdge program after the 30 day posting period means you are subject to the updated privacy policy.

How to contact Visa regarding your privacy concerns and questions

If you have questions or comments about our privacy practices, please email us at [email protected] or write to us at:
Visa Canada, P.O. Box 124, Toronto, ON, M5H 3Y2 Attention: Global Privacy Office.