WhatsApp Payments Privacy Policy

Effective May 1, 2021

Table of Contents

• Information We Collect
• How We Use Information
• Information You And We Share
• Managing your Information
• Updates To Our Policy

This WhatsApp Payments Privacy Policy helps explain our information practices when you use our Services or Business Services, which include the ability to send and receive payments (“Payments”) through the use of Facebook Company Products and the payment services provided by third-party financial institutions (“FIs”). When we say “WhatsApp”, “our”, “we” or “us”, we’re talking about WhatsApp LLC.

Payments contains links to or integrations with FIs and with Facebook Companies. When you interact with these FIs or Facebook Companies, you may be providing information directly to them, to WhatsApp, or to both. These FIs and Facebook Companies will have their own policies describing the collection, use, and disclosure of information by them. We encourage you to review the policies of these FIs and Facebook Companies.

This WhatsApp Payments Privacy Policy supplements (i) WhatsApp’s general Privacy Policy (“WhatsApp Privacy Policy”), which applies to the use of all our Services, including Payments, and (ii) the data practices set forth in our WhatsApp Business Terms of Service (“WhatsApp Business Terms”), which apply to the use of our Business Services, including Payments. If there is any conflict between this WhatsApp Payments Privacy Policy and our WhatsApp Privacy Policy or the WhatsApp Business Terms, this WhatsApp Payments Privacy Policy will control solely with respect to your use of Payments and only to the extent of the conflict.

Please also see WhatsApp’s general Terms of Service (“WhatsApp Terms”), which describe the terms under which you use our Services and also apply to Payments, as well as our WhatsApp Business Terms, which describe the terms under which you use our Business Services. The WhatsApp Payments Terms of Service (“WhatsApp Payments Terms”) supplement the WhatsApp Terms and WhatsApp Business Terms, govern your use of Payments, and describe Payments in more detail.

Please read all of these documents carefully.

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We receive the following additional information related to your use of Payments.

Information You Provide

• Registration and Setup Information. When you register to use Payments, we require you to provide information about your payment method, security preferences, and other information that identifies you. If you choose to do so, you may set up and use the security features provided by your device’s operating system to authorize a payment. Before allowing you to send funds, you may be asked to demonstrate that you are authorized to use your payment method by providing us a one-time password, deposit information, or other identifying information.
• Payment Transaction Information. When you send, receive, or request payments, you provide us with the information and details related to the transaction (including your payment method, payment amount, and security credential such as a PIN). WhatsApp messages sent with payments are delivered once the transaction has processed or when the receiver has reached a transaction limit and are treated as described in our WhatsApp Privacy Policy or WhatsApp Business Terms, as applicable.

Information Others Provide About You

• Other Users and Businesses. We receive information about you from other users and businesses. For example, when other users or businesses you know use our Services or Business Services, they may provide information about their transactions with you, just as you may provide information to us about your transactions with them. We require each of these users and businesses to have lawful rights to collect, use, and share your information before providing any information to us.
• Third-Party Service Providers. We work with service providers to help us operate, provide, improve, understand, customize, support, and market Payments; provide customer support; and keep our system safe and secure. These companies may provide us information about you or your Payments activity; for example, customer support service agents may relay information that you provide while resolving an issue with Payments.
• Third-Party Financial Institutions and Facebook Companies. We enable Payments by working with FIs and Facebook Companies to facilitate the movement of funds between the sender and receiver. When you use Payments, these FIs or Facebook Companies share with us information about you or your Payments activity in accordance with applicable law. We may receive information about you or your transactions including information to confirm your registration, the payment sender or receiver’s name, account status and balance sufficiency, transaction reference IDs, risk or fraud alerts. We will process the information we receive from these FIs or Facebook Companies in accordance with this WhatsApp Payments Privacy Policy. Please note that when you use FI services or Facebook Company Products, their own terms and privacy policies will govern your use of their services.

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We use all the information we have to operate, provide, improve, understand, customize, support, and market our Services and Business Services, including Payments.

• Our Services. We operate, provide, develop, market and improve our Services and Business Services, including determining eligibility for payments, registering you as a user of payments, providing you with Payments and customer support for our Services and Business Services.
• Safety and Security. We promote safety and security, combat harmful conduct, maintain the integrity of our Services or Business Services, and assess malfunctions or any performance or security incident. We also review your account activity to determine whether you continue to meet our WhatsApp Terms, WhatsApp Business Terms, and WhatsApp Payments Terms.
• Legal Purposes. We may use your information for legal purposes, such as to comply with our legal obligations, enforce our terms and policies, or to address complaints or claims related to conduct that infringes our WhatsApp Terms or WhatsApp Business Terms.
• Analytics. We generate statistics and reports regarding your use of Payments in order to provide you with better services.

The use of the information collected in connection with your access to and use of Payments is further described in the WhatsApp Privacy Policy or WhatsApp Business Terms, as applicable.

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We share your information to help us operate, provide, improve, understand, customize, support, and market Payments and to detect, prevent, or otherwise address fraud, safety, security, abuse, or other misconduct. Use of your information once it has been shared by WhatsApp is described below.

• Payment Senders and Recipients. When you use Payments, the people with whom you send or receive payments may store or reshare information about you or your transactions with others, including other Facebook Companies, on or off our Services or Business Services. When you send or receive payments, we provide information about you and the transaction to the user with whom you transact, including the amount of the transaction and one or more transaction IDs. Additional information about you and the transaction may also be available on third-party websites or services using transaction IDs that we provide as part of a transaction confirmation.
• Third-Party Service Providers. WhatsApp works with service providers and shares information with these service providers for the purposes listed above. For example, we share information about you and your transactions, such as the amount and status of a transaction, with third-party service providers who provide customer support on our behalf. When we share information with third-party service providers in this capacity, we require them to use your information on our behalf in accordance with our instructions and terms.
• Third-Party Financial Institutions and Facebook Companies. We also relay your registration, setup and transaction information, and certain information from your WhatsApp account (such as account information, consumer support information, usage and log information, device and connection information, and status information, as defined in the WhatsApp Privacy Policy) with FIs and Facebook Companies. For example, we share this information with Facebook Companies for them to store your payment credentials and relay your payment instructions to FIs, which then process your transactions. We also share this information with Facebook Companies and FIs to resolve customer concerns, for safety and security purposes such as detecting and fighting fraud and other misconduct, as well as legal purposes like satisfying our contractual obligations, and complying with our legal responsibilities. The Facebook Companies use the information you and we share with them to provide Payments, comply with applicable law, help prevent fraud and to improve Facebook payments product experiences across the Facebook Companies, in accordance with their own terms and privacy policies. Please see Facebook Payments International Ltd.’s Privacy Policy and Facebook Inc.’s Data Policy. FIs use the information you and we share with them to provide Payments and may also use this information as described in their own terms and privacy policies.

To facilitate Payments, WhatsApp may transfer, store, or process your information with these third parties or Facebook Companies that may be located in your jurisdiction or in other jurisdictions.

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You may manage or update your Payments information through your payments settings. For example, you may register additional payment methods, unlink existing payments methods, and change the payment method you would like to use. As applicable, you may also access the personal data about you that WhatsApp holds by using our in-app tools. In addition, where applicable, you may also request that WhatsApp correct, amend or delete personal data that is demonstrated to be inaccurate. For such purpose, please contact us as set out in our WhatsApp Privacy Policy or WhatsApp Business Terms.

We generally retain your Payments information for as long as is needed for the performance of the contract between you and WhatsApp and to comply with our legal obligations. You may request deletion of your Payments information by deleting your WhatsApp account. When you choose to request to delete your Payments information, please note that we may retain some of your Payments information to provide customer service to you or to the people or businesses you have transacted with, or for the legal purposes stated in the WhatsApp Privacy Policy. Please note that information you or we shared with FIs or Facebook Companies will be deleted in accordance with their own policies.

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We will notify you as appropriate if we make material changes to this WhatsApp Payments Privacy Policy and will update the Last Modified date at the top of this WhatsApp Payments Privacy Policy accordingly. Your continued use of Payments after the publication in our Website of the revised WhatsApp Payments Privacy Policy shall be understood as an acceptance of the revised WhatsApp Payments Privacy Policy. We also recommend that you periodically visit our site in order to be informed of any changes to this WhatsApp Payments Privacy Policy.

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