We use reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, disclosure, or destruction. However, no method of transmission over the Internet or method of electronic storage is 100% secure.
Given the volume and sensitivity of financial transaction data Visa holds, a breach could expose millions of consumers' spending histories — and this disclaimer limits Visa's legal accountability for security failures.
Visa collects extensive personal information including transaction history, device identifiers, geolocation, and inferred consumer preferences, and shares this data with issuing banks, merchant acquirers, service providers, and analytics partners. Because Visa operates as a back-end network processor, consumers generally cannot negotiate or limit these practices through their card agreements — their exposure is largely invisible. You can submit a California Consumer Privacy Act rights request, including an opt-out of data sharing, through Visa's online privacy request portal at https://usa.visa.com/legal/privacy-policy.html.