Last updated: February 3, 2022
We provide economic infrastructure for the internet. Businesses of all sizes use our software and services to accept payments and manage their businesses online. Stripe cares about the security and privacy of the personal data entrusted to us.
“Personal Data” means any information that relates to an identified or identifiable individual and can include information about how you engage with our Services (e.g., device information, IP address).
“Services” means the products and services Stripe indicates are covered by this Policy, which may include Stripe-provided devices and apps. Our “Business Services” are Services provided by Stripe to entities (“Business Users”) who directly and indirectly provide us with “End Customer” Personal Data in connection with those Business Users’ own business and activities. Our “End User Services” are those Services that Stripe directs to individuals (rather than entities) so that those individuals do business directly with Stripe. “Sites” means Stripe.com, and the other websites Stripe indicates are covered by this Policy. Collectively, we refer to Sites, Business Services, and End User Services as “Services.”
Depending on the context, “you” means End Customer, End User, Representative, or Visitor:
- When you directly use an End User Service (such as when you sign up for Link or pay to Stripe Climate in your capacity) for your personal use, we refer to you as an “End User.”
- When you do business with, or otherwise transact with, a Business User (typically a merchant using Stripe Checkout, e.g., when you buy a pair of shoes from a merchant that uses Stripe for payment processing) but are not directly doing business with Stripe, we refer to you as an “End Customer.”
- When you act on behalf of an existing or potential Business User (e.g., you are a company founder or administering an account for a merchant who is a Business User), we refer to you as a “Representative.”
- When you visit a Site without being logged into a Stripe account or otherwise communicate with Stripe, we refer to you as a “Visitor.” (e.g., you send Stripe a message asking for more information because you are considering being a user of our products).
Depending on the activity, Stripe acts as a “data controller” or “data processor,” For more information about this and on the Stripe entity that is responsible under this Policy, see here.
- 1. Personal data that we collect and how we use and share it
- 2. More ways we collect, use and share personal data
- 3. Legal bases for processing data
- 4. Your rights and choices
- 5. Security and retention
- 6. International data transfers
- 7. Updates and notifications
- 8. Jurisdiction-specific provisions
- 9. Contact us
3. Legal bases for processing data
For the General Data Protection Regulation, we rely upon some legal bases to enable our processing of your Personal Data. For more information, see here.
a. Contractual and Pre-Contractual Business Relationships. We process Personal Data to enter into business relationships with prospective Business Users and End Users and perform the respective contractual obligations we have with these Users. Activities include:
- Creation and management of Stripe accounts and Stripe account credentials, including the evaluation of applications to commence or expand the use of our Services;
- Creation and management of Stripe Checkout accounts;
- Accounting, auditing, and billing activities; and
- Processing payments, including fraud detection and prevention, optimizing valid transactions, communications regarding such payments, and related customer service.
b. Legal Compliance. We process Personal Data to verify the identity of our Users to comply with fraud monitoring, prevention and detection obligations, and laws associated with the identification and reporting of illegal and illicit activity, such as “Anti-Money Laundering (“AML”) and Know-Your-Customer (“KYC”)” obligations, and financial reporting obligations. For example, we may be required to record and verify a User’s identity for compliance with legislation intended to prevent money laundering and financial crimes. These obligations are imposed on us by the operation of law, industry standards, and our financial partners. They may require us to report our compliance to third parties and submit to third-party verification audits.
c. Legitimate Business Interests. Where allowed under applicable law, we rely on our legitimate business interests to process Personal Data about you. The following list sets out the business purposes for which we have a legitimate interest in processing your data:
- Detect, monitor, and prevent fraud and unauthorized payment transactions;
- Mitigate financial loss, claims, liabilities, or other harm to End Customers, End Users, Business Users and Stripe;
- Determine eligibility for and offer new Stripe products and services. Learn More;
- Respond to inquiries, send service notices and provide customer support;
- Promote, analyze, modify and improve our Services, systems, and tools, and develop new products and services, including the reliability of the Services;
- Manage, operate and improve the performance of our Sites and Services by understanding their effectiveness and optimizing our digital assets;
- Analyze and advertise our Services;
- Conduct aggregate analysis and develop business intelligence that enables us to operate, protect, make informed decisions, and report on the performance of our business;
- Share Personal Data with third-party service providers that provide services on our behalf and business partners who help us operate and improve our business. Learn More;
- Enable network and information security throughout Stripe and our Services; and
- Share Personal Data among our affiliates.
d. Consent. We may rely on consent to collect and process Personal Data as it relates to how we communicate with you and for the provision of our Services like Link, Atlas, and Identity. When we process data based on your consent, you have the right to withdraw your consent without affecting the lawfulness of processing based on such consent before the consent is withdrawn.
4. Your rights and choices
You may have choices regarding our collection, use, and disclosure of your Personal Data:
a. Opting out of receiving electronic communications from us
If you no longer want to receive marketing-related emails from us, you may opt out via the unsubscribe link included in such emails or as described here. We will try to comply with your request(s) as soon as reasonably practicable. Please note that if you opt-out of receiving marketing-related emails from us, our Business Users may still send you messages and direct us to send you notifications on their behalf.
b. Your data protection rights
Depending on your location and subject to applicable law, you may have the following rights described here concerning the Personal Data we control about you:
- The right to request confirmation of whether Stripe processes Personal Data relating to you, and if so, to request a copy of that Personal Data;
- The right to request that Stripe rectifies or updates your Personal Data that is inaccurate, incomplete, or outdated;
- The right to request that Stripe erase your Data in certain circumstances as provided by law. Learn more;
- The right to request that Stripe restrict the use of your Personal Data in certain circumstances, such as while Stripe considers another request that you have submitted (including a request that Stripe make an update to your Personal Data);
- The right to request that we export your Personal Data that we hold to another company, where technically feasible;
- Where the processing of your Personal Data is based on your previously given consent, you have the right to withdraw your consent at any time; or
- Where we process your information based on our legitimate interests, you may also have the right to object to processing your Personal Data. Unless we have compelling legitimate grounds or where it is needed for legal reasons, we will cease processing your information when you object.
c. Process for exercising your data protection rights
Please also see the Stripe Privacy Center to exercise your data protection rights or contact us as described below.
5. Security and retention
We make reasonable efforts to provide a level of security appropriate to the risk associated with processing your Personal Data. We maintain organizational, technical, and administrative measures designed to protect Personal Data covered by this Policy against unauthorized access, destruction, loss, alteration, or misuse. Personal Data is only accessed by a limited number of personnel who need access to the information to perform their duties. Unfortunately, no data transmission or storage system can be guaranteed 100% secure.
To help us protect personal data, we encourage you to use a strong password and never share your password with anyone or use the same password with other sites or accounts. If you have reason to believe that your interaction with us is no longer secure (e.g., you feel that the security of your account has been compromised), please contact us immediately. Learn More.
We retain your Personal Data as long as we provide the Services to you or our Business Users (as applicable) or for a period during which we reasonably anticipate providing the Services. Even after we stop providing Services directly to you or a Business User with which you are doing business, and even if you close your Stripe account or complete a transaction with a Business User, we retain your Personal Data to comply with our legal and regulatory obligations. We may also have it to allow fraud monitoring, detection, and prevention activities. We also keep Personal Data to comply with our tax, accounting, and financial reporting obligations, where we are required to retain the data by our contractual commitments to our financial partners and where data retention is mandated by the payment methods you used. In cases where we keep Personal Data, we do so in accordance with any limitation periods and records retention obligations imposed by applicable law. Learn More.
6. International data transfers
We are a global business. Personal Data may be stored and processed in any country where we do business, our service providers do business, or if you use an international payment method or financial partner service, the countries in which that payment method or financial partner operates. We may transfer your Data to countries other than your own, including the United States. These countries may have data protection rules that are different from your country. When transferring data across borders, we take measures to comply with applicable data protection laws related to such transfer. In certain situations, we may be required to disclose Personal Data in response to lawful requests from Officials (such as law enforcement or security authorities).
If you are located in the European Economic Area (“EEA”), the “United Kingdom (“UK”),” or Switzerland, please see Stripe Privacy Center for more information. Where applicable law requires a data transfer mechanism, we use one or more of the following: EU Standard Contractual Clauses with a data recipient outside the EEA, Switzerland, or the UK, verification that the recipient has implemented Corporate Binding Rules or other legal methods available to us under applicable law. For transfers to third countries, we have entered into Standard Contractual Clauses, approved by the European Commission, to ensure an adequate level of protection for transferring your Data to those entities outside the EEA. You can obtain a copy of the relevant Standard Contractual Clauses. Learn More.
While Stripe Inc. remains self-certified under the E.U.-U.S. Privacy Shield and the Swiss-U.S. Privacy Shield is not currently relying on these frameworks to transfer personal data to the U.S. For more information, please see Stripe Privacy Center.
7. Updates and notifications
We may change this Policy from time to time to reflect new services, changes in our privacy practices, or relevant laws. The “Last Updated” legend at the top of this Policy indicates when this Policy was last revised. Any changes are effective when we post the revised Policy on the Services.
We may provide you with disclosures and alerts regarding the Policy or Personal Data collected by posting them on our website and, if you are an End User or Business User, by contacting you through your Stripe Dashboard, email address, or the physical address listed in your Stripe account.
If applicable law requires that we provide notice in a specified manner before making any changes to this Policy apply to you, we will give such required information.
8. Jurisdiction-specific provisions
- Australia. Suppose you are an Australian resident and dissatisfied with our handling of any complaint you raise under this Policy. In that case, you may wish to contact the Office of the Australian Information Commissioner.
- EEA and UK. To exercise your rights, you may contact our DPO. Suppose you are a resident of the EEA, or we have identified Stripe Payments Europe Limited as your data controller and believe we process your information within the scope of the General Data Protection Regulation (GDPR). In that case, you may direct your questions or complaints to the Irish Data Protection Commission. If you are a resident of the UK, you may refer your questions or concerns to the UK Information Commissioner’s Office. Where Personal Data is used for regulated financial activities in Europe, Stripe Payments Europe Limited and Stripe local regulated entities (defined as those who are licensed, authorized, or registered by a Local Regulatory Authority) are considered joint controllers. Learn More.
- Indonesia. As used in this Policy, “applicable law” includes Law No. 11 of 2008 as amended by Law No. 19 of 2016 on Electronic Information and Transactions, Government Regulation No. 71 of 2019 on the Implementation of Electronic Systems and Transactions, and Minister of Communication and Informatics Regulation No. 20 of 2016 on Personal Data Protection in Electronic Systems and “Personal Data” includes “personal data” as defined under such laws.
- Malaysia. If you have any questions or complaints about this Policy, please contact our DPO.
- Thailand. Thailand residents may have additional rights under applicable laws. Suppose we process your data due to a legal obligation or contractual right, and you do not provide us with Personal Information. In that case, we may not be able to offer you services lawfully.
- United States – California. If you are a consumer in California, we process your personal information per the California Consumer Privacy Act (“CCPA”). You have a right to receive notice of our practices at or before the collection of personal information. This section provides additional details about the personal information we collect and use for purposes of CCPA.
- Your CCPA Rights and Choices. As a California consumer and subject to certain limitations under the CCPA, you have choices regarding our use and disclosure of your personal information (learn more):
- Exercising the right to know: you may request that we disclose the personal information we have collected about you. You also have a right to request additional information about categories of their data collected, sold, or disclosed; purposes for which this personal information was collected or sold; categories of sources of personal information; and categories of third parties with whom we disclosed this personal information.
- Exercising the right to delete: you may request that we delete the personal information we have collected from you, subject to certain limitations under applicable law.
- Exercising the right to opt-out from a sale: We do not sell Personal Data as defined by the CCPA and have not done so in the past 12 months.
- Non-discrimination: The CCPA provides that you may not be discriminated against for exercising these rights.
- 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. In writing or through a power of attorney, you may designate an authorized agent to make requests on your behalf to exercise your rights under the CCPA. Before accepting such a request from an agent, we will require the agent to provide proof you have authorized it to act on your behalf, and we may need you to verify your identity directly with us.
- Further, to provide or delete specific pieces of personal information, we will need to verify your identity to the degree of certainty required by law. We will confirm your request by asking you to send it from the email address associated with your account or requiring you to provide the information necessary to verify your account.
- An authorized 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 verify your identity and confirm that you provided the authorized agent permission to submit the request.
9. Contact us