This Online Privacy Statement ("Privacy Statement") describes how DFS Services LLC and Discover Debit treats your information on this website (http://www.discoverdebit.com) and the sites on which this Privacy Statement appears ("Online Services”, "Mobile App" or "Website"), as well as when you interact with us on our campaign landing page sites and social media sites.
In this statement, "we”, "our”, "us”, "Discover Debit” and "Discover” means DFS Services LLC.
Our Online Services may collect online usage data that does not personally identify you (visitor usage of web browsers, mobile devices, computer operating systems, etc.), as well as information that personally identifies you (such as your name and email address).
Our Online Services collect online usage data. We may collect information about the web browsers (i.e., Chrome, Internet Explorer, Firefox) accessing our servers, IP addresses, device type (i.e., desktop, tablet, or mobile), and operating systems (i.e., Mac OSX 10.12 or Windows 10) used. We might look at what website pages that were visited, prior to landing on our Online Services; what pages and images were viewed within our Online Services.
Our Online Services collect personal information. In addition to the above, we also collect personal information from users, such as a natural person associated with and acting on behalf of, a card issuer or financial institution to whom we offer a payment solution.
We limit the amount and the type of information we collect and use the collected information necessary to fulfill several general purposes or as otherwise permitted or required by law:
to fulfill your requests
for services and products
to keep you informed and communicate with you about our products and services
to personalize your experience on our Online Services
to administer our records
to fulfill our legal and professional obligations
The types of personal information that we collect, use, and disclose may include financial and related personal or business information including the following, as applicable:
Name, title and personal and business contact information including address, electronic IP address and telephone number;
Click-through on links from an CAN-SPAM compliant email campaign sent to you;
Information about the financial institution that you represent such as: asset size, number of cards, name of key vendors, date of contract renewal of current debit card program;
Interest information you provide via Online Services forms, such as event registration, inquiries, surveys, e-notice subscriptions;
Other information with your consent or as permitted or required by applicable law.
Note that information about the entity will only constitute personal information if the merchant is a natural person or sole proprietor.
Information is collected directly from you. We collect personal information you submit to us when you use our Online Services. We also collect other information you submit through our Online Services, such as requests to enroll in offers, alerts, newsletters, promotions and what you write when you chat with a customer service agent. We collect information when you complete an online survey. We will collect information when you click a link.
Information is collected passively. Our Online Services and some e-mails may use tracking tools like cookies, session IDs, and pixel tags. Our Online Services gather online data about you over time across multiple websites, other platforms, or other mobile apps.
We use information to respond to your requests or questions. For example, we might use your information to respond to any inquiry. We may also use your information to redeem your rewards or send you an alert you signed up for or you enrolled in for a sweepstakes.
We use information to improve our products and services. We use information to make our Online Services better and to customize your experience with us. We may combine information we get from you with information about you we get from third parties.
We use information for marketing purposes. We may use information we know about you from our Online Services, including your location information, to send you information about new products and special offers in your area. We may send you newsletters or bulletins to provide you key announcements and updates. These may come from us, our business partners, or our service providers. We might tell you about new features or updates we think you will like.
We may use information that allows us (or our service providers on our behalf) to send you computer or device targeted messages and offers when you visit our Online Services. We may use passive technologies such as cookies, location information, device-level advertising and user identifiers, and pixel tags to uniquely identify your computer or device and the pages you view within our Online Services from time-to-time, as well as to provide information to us and third parties about sites you visit after seeing Discover ads or offers. Our service providers may also use these tools.
We use information as otherwise permitted by law. We may use information in order to comply with the law. We may keep personal information as long as it is necessary or relevant for the practices described in this Privacy Statement or as otherwise required by law.
We may share your personal information in the following manner, when applicable:
With companies and vendors that help us operate our business by providing services such as marketing, sales, website hosting, data analysis, information technology and related infrastructure provision, customer service, email delivery, auditing and other similar services.
With third parties sponsors of promotions or contests in which you choose to participate.
To comply with law or other legal obligations such as responding to subpoenas, including laws and other legal obligations outside your country of residence.
To respond to requests from public and government authorities, including public and government authorities outside your country of residence.
To protect our rights, operations 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 our terms and conditions.
You can update your account profile by email. You may contact us at the email address at the bottom of this policy to request access to or that we update, or correct the personal information collected by our Online Services. If we receive this information from some other sources, we may direct you to contact other third parties. Please note, that consistent with local law, we may retain your personal information for auditing purposes, to troubleshoot problems, assist with investigations, enforce our policies or comply with legal requirements. Please note that we are not responsible for permitting you to review, or for updating or deleting personal information that you provide to a third-party, including any app, social media platform, or wireless service provider.
We maintain electronic records of your personal information for the purposes described in this statement. You may request access to or correction of your personal information, by making a request to the email address below. Your right to access or correct your personal information indicated in our records is subject to applicable legal restrictions including our right to retain documentation of our compliance with applicable legal requirements and technology limitations. We may take reasonable steps to verify your identity before granting access or making corrections to your personal information. You may be required to complete additional forms.
We conduct interest-based advertising. You may see Discover advertisements on other websites you visit from time-to-time. Some of these ads are based on your web browsing history over time and across different websites. We collect information this way. We also have service providers that collect information this way. These websites include discover.com and discoverdebit.com. This is called interest-based or online behavioral advertising. Discover uses interest-based advertising to target its advertising more effectively. Interest-based advertising or "online behavioral advertising" includes ads served to you after you leave our website, encouraging you to return. They also include ads we think are relevant based on your online activities. These ads might be served on websites or on apps. They might also be served in emails. We might serve these ads, or third parties may serve ads. They might be about our products or other companies' products.
How you can opt out of interest-based advertising. There are several ways you can opt-out of interest-based advertising.
First, you can opt-out right from the ad itself. Ads served using interest-based advertising will have an Advertising Option icon in the ad. If you see that icon on Discover ads, you can click on it. You will then get an option to opt-out.
Second, the Self-Regulatory Program for Online Behavioral Advertising program provides consumers with the ability to opt-out of having their online behavior recorded and used for advertising purposes generally.
On mobile devices, you can control device-level advertising privacy settings. For example, toggle the "Limit Ad Tracking" on iOS devices or "Opt out of interest-based ads" on Android devices.
If you opt out via methods 1-2 above, your choice will be stored as a cookie. If you remove or delete cookies you will need to renew your preferences. Your choices are also device and browser-specific.
We use common tracking technologies for a variety of reasons.
We use tracking tools:
To recognize new or past customers.
To store your password if you are registered on our Online Services sites, Websites or Mobile Apps.
To improve our Websites and Mobile Apps.
To serve you with interest-based or targeted advertising (see below for more on interest-based advertising).
To observe your behaviors and browsing activities over time across multiple websites or other platforms.
To better understand the interests of our customers and our Website and Mobile App visitors.
How do we gather relevant information about you for interest-based advertising? To decide what is relevant to you, we use information you make available to us when you interact with us, our affiliates, and other third parties. We gather this information using the tracking tools described above. For example, we or our service providers or business partners might look at your purchases or browsing behaviors. We might look at these activities on our platforms or the platforms of others.
We work with third parties who help gather this information. These third parties might link your name or email address to other information they collect. That might include past purchases made offline or online, or it might include online usage information.
You can control cookies and tracking tools on our Website. Our Online Services do not respond to browser-level "do not track" settings because this setting is not universal across browsers. However, your browser may give you the ability to control cookies. How you do so depends on the type of cookie. Certain browsers can be set to clear past and reject future cookies. If you block cookies on your browser, certain features of our Online Services may not work. Additionally, if you block or delete cookies, not all of the tracking activities we have described here will stop. Choices you make are both browser and device-specific.
We also advertise in other ways. If you opt out of interest-based ads, you may still see Discover ads. These are ads that are not based on your Internet browsing history. Some of these ads may be generic. Other ads may be targeted to you or an advertising segment that includes you. The websites or services where targeted ads appear will have instructions about how to modify your advertising preferences within those sites. We encourage you to review those instructions and settings.
These Online Services are not intended for children. Our Online Services are meant for adults and are not directed to children. We do not knowingly collect personal information from children under 13 without permission from a parent or guardian. If you are a parent or legal guardian and think your child, under 13, has given us information you can e-mail us at email@example.com. Please mark your inquiries "COPPA Information Request."
We use standard security measures to protect your personal information. We take reasonable steps to protect your personal information using measures appropriate to the sensitivity of the personal information in our custody or control, which include safeguards to protect against unauthorized access and use. These measures include computer safeguards and secured files and buildings. Our authorized employees, agents and service providers who require access to your personal information to perform their obligations will have access to your personal information.
We store information in the United States (U.S.). If you live outside of the United States, you understand and agree that we may transfer your information to the U.S. Our Online Services and associated practices are subject to applicable U.S. laws and guidelines.
International data transfer. We may transfer personal information to countries other than the country in which the data was originally collected. These countries may not have the same data protection laws as the country in which you initially provided the information. When we transfer your personal information to other countries, we will protect that information as described in this Privacy Statement.
We may update this Privacy Statement at any time. We may change our Privacy Statement from time-to-time. We will notify you of any material changes to our Privacy Statement as required by law. Please check the Website and Mobile App periodically for updates. This Privacy Statement was last updated on January 12, 2017.
For more information or if you have questions about your personal information, you may:
email us at: firstname.lastname@example.org and please tell us what Online Service you were on.
Business partners: Companies and other Financial Institutions we partner with to jointly market and/or deliver products and services to Cardmembers, Issuers, Merchants, Acquirers and others. Business partners include other networks or co-brand business partners. We also partner with certain organizations, like trade associations, to offer financial products using their organizational logo.
Cookies: Cookies are small pieces of text that are placed in your browser by the websites you visit and the advertising companies and content partners for those sites. No personal information is stored in cookies or cookie sessions.
IP address: A unique "Internet Protocol" number assigned to a device connected to the Internet. Discover treats IP addresses as non-personal information unless otherwise required by law.
Personal information: Information that personally identifies an individual.
Pixel tags: Enables two websites to share information. It consists of a small piece of software code that incorporates a graphic image on a web page or e-mail.
Service providers: Third parties with whom we have a contractual relationship to perform services on our behalf. Service providers may not use personal information for any other purpose other than carrying out the services.