·Last updated: February 7, 2023

·This Stripe Partner Ecosystem Agreement ("Agreement") is between Stripe (defined in Section 10) and the entity accessing the Portal or electing to join the Stripe Partner Ecosystem Program ("Partner"). The terms of this Agreement apply to Partner's participation in the Stripe Partner Ecosystem Program ("Program"). This Agreement takes effect on the date Partner clicks an "Accept" button or check box presented with this Agreement, or when Partner accesses the Portal, whichever occurs first ("Effective Date").

11. Stripe Partner Ecosystem Program

1.11.1 Overview. The Program provides Partner with benefits based on the Program categories, partnership tiers and other terms described in the Portal. Participation in the Program, including any of the Program tiers, benefits and activities, is optional. Where indicated, Partner's access to certain tiers, benefits and activities may require Stripe's invitation and acceptance, which Stripe may grant or deny in its sole discretion.

1.21.2 Portal. Partner will have access to the Portal as part of the Program. Partner must keep its credentials secure and must not allow anyone other than its authorized agents to access the Portal using its credentials. Partner is responsible for (a) anyone accessing the Portal with Partner's credentials; and (b) anyone acting on Partner's behalf in relation to the Program. Partner must use the Portal in accordance with this Agreement. Partner must consult the Portal regularly to receive Stripe communications and notices, including updates to policies, processes, and best practices.

1.31.3 Changes to Program. Stripe may modify the Program in its sole discretion. Stripe will use commercially reasonable efforts to provide at least 30 days' notice before Stripe discontinues or materially changes the Program. Stripe will deliver these notices to Partner via email (at the email address listed in Partner's Portal account) or the Portal. Partner is responsible for checking the Portal regularly for all other changes. Program changes are effective on the date the changes are posted.

1.41.4 Program Communications. Stripe may send Partner, using the email Partner provides, information about Stripe, the Program and anything that Stripe believes may be of interest to Partner. By creating an account on the Portal, Partner gives Stripe permission to send these communications to Partner and Partner's agents who use the Portal. Stripe must only use Partner's contact details for the purposes of the Program and for marketing Stripe's products and services to Partner.

22. Partner Benefits

2.12.1 Program Benefits. During the Term (defined in Section 8.1) and subject to Partner's compliance with this Agreement and all applicable Program requirements, Partner will be entitled to receive and use Program benefits. These benefits may differ between Stripe partners as Stripe determines in its discretion. Stripe may require additional terms and eligibility requirements for certain Program benefits, including those benefits that involve payments by Stripe or its Affiliates to Partner. Stripe will state those terms and eligibility requirements, if any, in either the Portal or in a separate agreement with Partner. All these additional terms are incorporated by reference into this Agreement, but will only apply to the benefit for which they were provided.

2.22.2 Stripe Materials. Stripe may provide to Partner various Stripe Materials. Stripe Materials include guidance on how to implement Stripe Services, technical documentation, and the Portal. Partner must only use Stripe Materials for Program purposes in accordance with the terms of this Agreement.

2.32.3 Co-Selling Support. Stripe may, at its discretion, support Partner's sales efforts as they relate to Stripe Services, including by participating in joint sales activities and case studies, giving access to technical and marketing materials, or providing product and sales training. Each party is responsible for its own costs and expenses in connection the Program and this Agreement, except as Partner and Stripe otherwise agree in writing.

2.42.4 Marketing Incentives. Stripe may, at its discretion, provide funding to Partner to support marketing of Stripe Services. Partner's access to this funding is subject to this Agreement, including all eligibility requirements and other additional terms made available to Partner in the Portal, if any.

2.52.5 New Business Incentive Program. Stripe may, at its discretion, provide incentives for Partner to submit referrals for potential users of Stripe Services (each, a "Lead"). Partner's access to these benefits is subject to this Agreement, including all eligibility requirements and other additional terms made available to Partner in the Portal, if any.

2.62.6 Tax. Each party will be responsible, as required under Law, for identifying and paying all taxes and other governmental fees and charges (and any related penalties or interest) that are imposed on that party upon or with respect to the transactions and payments under this Agreement. Stripe may deduct or withhold any taxes that Stripe determines it is obligated to withhold from any amounts payable to Partner under this Agreement, and payment to Partner as reduced by such deductions or withholdings will constitute full payment and settlement to Partner of such amounts. Throughout the Term, Partner must provide Stripe with any forms, documents, or certifications as may be required for Stripe to satisfy any information reporting or withholding tax obligations with respect to any payments under this Agreement.

33. Partner Responsibilities

3.13.1 Stripe Account. Partner must create a Stripe account and maintain it throughout the Term.

3.23.2 Program Code of Conduct. While participating in the Program or marketing Stripe Services, Partner must (a) not make any misrepresentations to or mislead any third party; (b) avoid any conflict of interest or engage in any unethical conduct; and (c) not cause any reputational harm to the Program or Stripe.

3.33.3 Compliance with Laws. Partner represents as of the Effective Date, and warrants at all times during the Term, that it complies with all Laws that apply with respect to this Agreement or the Program, including (a) Laws implementing sanctions and export controls (such as those implemented by the U.S. Department of the Treasury's Office of Foreign Assets Control, the U.S. Department of State, and the U.S. Department of Commerce, the U.K.'s His Majesty's Treasury, the United Nations, the European Union, and all other jurisdictions relevant to Partner); and (b) Laws addressing public and private corruption, including the U.S. Foreign Corrupt Practices Act, the U.K. Bribery Act, and other similar Laws.

3.43.4 Lead Data.

·(a) Partner represents as of the Effective Date, and warrants at all times during the Term, that when it provides Lead Data to Stripe (a) it has provided all required notices and has obtained the necessary rights to allow Stripe to process and use Lead Data as authorized under this Agreement; and (b) the Lead Data and Stripe's authorized processing of Lead Data does not infringe or violate the intellectual property, publicity, privacy, data protection or other rights of any third party under Law.

·(b) Partner must obtain clear and affirmative consent from a Lead to disclose its Lead Data to Stripe and for Stripe to use this Lead Data in accordance with the Stripe Privacy Policy. Partner must ensure that the consent satisfies all relevant requirements under Law. As an example, in some jurisdictions, Partner can present the Lead's representative with the following statement to get clear and affirmative consent from the Lead's representative:

·"By checking this box/submitting this form, I consent to you providing my contact information to Stripe, LLC or Stripe Payments Europe, Ltd. and their respective affiliates, as applicable ("Stripe"), and for Stripe to send marketing information to me related to Stripe's services, events and any special offers by email, post, and telephone. I may unsubscribe from receiving further marketing communications from Stripe at any time by notifying you at [your unsubscribe notice email address] and Stripe at privacy@stripe.com. I understand Stripe will process my information in accordance with Stripe's Privacy Policy."

·Partner must promptly notify Stripe at privacy@stripe.com if the Lead's representative revokes its consent or wishes to exercise any other rights it may have under Law. Partner must not market any Stripe Services to the Lead after the Lead's representative has revoked its consent. Partner must maintain all necessary documentation and evidence to demonstrate compliance with this Agreement, including the date on which each Lead's representative gave consent, and the exact language of the consent. Stripe may audit Partner's compliance with this Section 3.4 at any time on reasonable notice. Partner must cooperate with Stripe in conducting the audit. If an audit identifies that Partner has breached this Section 3.4, then Partner must remediate the breach and Stripe may, at its discretion, require Partner to share its remediation plan.

44. Co-Marketing and Intellectual Property

4.14.1 Stripe Materials; Stripe Marks. Subject to the terms and conditions of this Agreement, Stripe grants to Partner and its Affiliates a non-exclusive, non-transferable, non-sublicensable, worldwide, royalty-free license during the Term to use (a) the Stripe Marks to identify itself as a Stripe Partner in the Program; and (b) the Stripe Materials as part of any authorized marketing activities under this Agreement. When using the Stripe Marks, Partner and its Affiliates must comply with the Stripe Marks Usage Agreement and all other usage guidelines that Stripe provides to Partner in writing (if any, and including guidelines that Stripe provides in the Portal). If any Stripe Marks or Stripe Materials are separately licensed, the terms of those licenses will apply to, and control in case of conflict with this Agreement as to, those Stripe Marks or Stripe Materials, as applicable. Partner and its Affiliates must promptly comply with all reasonable instructions and limitations relating to the Stripe Marks and Stripe Materials that Stripe communicates to Partner. Partner must not remove or in any manner alter any copyright, trademark, or other proprietary rights notice in the Stripe Marks or Stripe Materials.

4.24.2 Partner Materials; Partner Marks. Subject to the terms and conditions of this Agreement, Partner grants to Stripe and its Affiliates a non-exclusive, non-transferable (other than as allowed in Section 9.4), non-sublicensable, worldwide, royalty-free license during the Term to use (a) Partner's name and Marks to identify Partner as a Stripe partner or participant in the Program; and (b) Partner Materials as part of any marketing activities under this Agreement. This includes use on Stripe's websites that identify partners, in Stripe's sales and marketing materials and communications, and in Stripe's financial disclosure documents. When using Partner's name, Marks, and Partner Materials, Stripe and its Affiliates must comply with usage guidelines that Partner provides to Stripe in writing. Partner represents as of the Effective Date, and warrants throughout the Term, that (i) Partner Marks and Partner Materials do not violate or infringe upon any third-party rights, including intellectual property rights; and (ii) Partner has obtained, as applicable, all necessary rights and permissions to enable Stripe to use Partner Materials in connection with the Program.

4.34.3 General. Nothing in this Agreement assigns or transfers ownership of any intellectual property or proprietary rights to the other party. All rights not expressly granted in this Agreement are reserved. All goodwill generated from the use of the grantor party's name and Mark will inure to the benefit of the Mark owner.

55. Data Use; Privacy; Confidentiality

5.15.1 Lead Data Use. To the extent Law permits, Stripe will use Lead Data to (a) market Stripe Services and conduct other Program activities; (b) exercise Stripe's rights and perform Stripe's obligations under this Agreement; and (c) comply with applicable Law.

5.25.2 Privacy. Each party must comply with its own privacy policy and applicable Law when processing personal data.

5.35.3 Confidentiality. Each party and its Affiliates ("Receiving Party") must protect the Confidential Information disclosed by the other party or its Affiliate ("Disclosing Party") using the same degree of care that the Receiving Party uses to protect the confidentiality of its own confidential information (but not less than reasonable care). The Receiving Party must (a) not use the Disclosing Party's Confidential Information for any purpose outside the scope of this Agreement; and (b) except as the Disclosing Party otherwise authorizes in writing, limit access to the Disclosing Party's Confidential Information to the Receiving Party's employees, agents and contractors who need that access for purposes consistent with this Agreement and who have signed confidentiality agreements with the Receiving Party containing protections not materially less protective than those in this Agreement. If the Receiving Party is required by Law (including by the U.S. Security Exchange Commission or other regulators) or court order to disclose Confidential Information, then the Receiving Party must, to the extent legally permitted, provide the Disclosing Party with advance written notice and cooperate in any effort to obtain confidential treatment of the Confidential Information. The Receiving Party acknowledges that disclosure of Confidential Information may cause substantial harm for which damages alone may not be a sufficient remedy, and the Disclosing Party would be entitled to seek appropriate equitable relief in addition to whatever other remedies it might have at law. The Portal (including its content) are Stripe's Confidential Information.

5.45.4 Exclusions. The restrictions and obligations in Section 5.3 will not apply with respect to any information that the Receiving Party documents (a) is, through no improper action or inaction by the Receiving Party or its Affiliate, agent, consultant, or employee, generally available to the public; (b) was in its possession or known by it without restriction prior to receipt from the Disclosing Party; (c) was rightfully disclosed to it by a third party without breach of any obligation of confidentiality; or (d) was independently developed by the Receiving Party's employees who have had no access to the information.

66. Disclaimer and Limitation of Liability

6.16.1 Disclaimer. Stripe provides the Program and the Portal "AS IS" and "AS AVAILABLE". To the maximum extent permitted by Law, Stripe does not make any, and expressly disclaims all, warranties (other than those expressly stated in this Agreement) and statutory guarantees with respect to its performance under this Agreement, the Program, the Portal, Stripe Materials, the Stripe Services, and Stripe Confidential Information, including as related to availability, the implied warranties of fitness for a particular purpose, merchantability and non-infringement, and the implied warranties arising out of any course of dealing, course of performance or usage in trade. Stripe is not liable for any losses, damages, or costs that Partner or others may suffer arising out of or relating to hacking, tampering, or other unauthorized access or use of the Portal or the Stripe Services, or Partner's failure to use or implement anti-fraud or data security measures. Further, Stripe is not liable for any losses, damages, or costs that Partner or others may suffer arising out of or relating to (a) Partner's access to, or use of, the Portal in a way that is inconsistent with this Agreement; (b) unauthorized access to servers or infrastructure, or to Lead Data; (c) interruptions or stoppages in the availability of the Portal or the Stripe Services; (d) errors, inaccuracies, omissions or losses in or to any Lead Data; or (e) the defamatory, offensive, or illegal conduct of others.

6.26.2 Indirect Damages. Except for damages a party incurs that arise out of the other party's breach of Section 5.3, to the maximum extent permitted by Law, neither party or its Affiliates will be liable to the other party or its Affiliates in relation to this Agreement during and after the Term, whether in contract, negligence, strict liability, tort or other legal or equitable theory, for any lost profits, personal injury, property damage, loss of data, business interruption, indirect, incidental, consequential, exemplary, special, reliance, or punitive damages, even if advised of the possibility of these losses, damages, or costs.

6.36.3 Limitation of Damages. To the maximum extent permitted by Law, Stripe and its Affiliates will not be liable to Partner or Partner's Affiliates in relation to this Agreement during and after the Term, whether in contract, negligence, strict liability, tort or other legal or equitable theory, for losses, damages, or costs exceeding $500 USD in the aggregate.

77. Indemnification

7.17.1 Indemnification. Each party (the "Indemnifying Party") will defend the other party, its Affiliates, and their directors, employees and agents (each, an "Indemnified Party") against any claim, demand, government investigation or legal proceeding made or brought by a third party ("Claim") that the Indemnifying Party's Mark or Materials licensed under this Agreement infringes the copyright or Mark of a third party, and will indemnify the Indemnified Parties against all amounts awarded to the third party making a Claim, and all penalties, fines, and third-party costs (including legal fees) paid by the Indemnified Party (these amounts, "Losses"). Further, Partner (as the Indemnifying Party) will defend the Stripe Indemnified Parties against all Claims arising from Partner's breach or alleged breach of Section 3, and will indemnify the Stripe Indemnified Parties against resulting Losses.

7.27.2 Process of Indemnification. The Indemnified Party must promptly notify the Indemnifying Party of the Claim for which the Indemnified Party seeks indemnification; however, any delay or failure to notify will not relieve the Indemnifying Party of its obligations under this Section 7 except to the extent it has been prejudiced by the delay or failure. The Indemnifying Party will have sole control and authority to defend and settle the Claim, but (a) the Indemnified Party may participate in the defense and settlement of the Claim with counsel of its own choosing at its own expense; and (b) the Indemnifying Party will not enter into any settlement that imposes any obligation on the Indemnified Party (other than payment of money, which the Indemnifying Party will pay) without the Indemnified Party's consent. If a Claim under Section 7.1 is made or threatened regarding the Indemnifying Party's Marks or Materials licensed under this Agreement, the Indemnified Party will stop using allegedly infringing materials at the Indemnifying Party's written request. The Indemnified Party must reasonably assist the Indemnifying Party in defending a Claim.

88. Term and Termination

8.18.1 Term. This Agreement begins on the Effective Date and continues until terminated under Section 8.2 (the "Term").

8.28.2 Termination. Either party may terminate this Agreement at any time, for any reason or no reason, on 30 days' notice. If either party breaches a provision of this Agreement other than Section 5.3, the nonbreaching party may terminate this Agreement immediately on notice if the breaching party has not cured the breach within 14 days after receiving notice of the breach. Either party may terminate this Agreement immediately on notice if the other party breaches Section 5.3. Stripe may immediately terminate this Agreement if Stripe believes that Partner is engaged in a business, trading practice or other activity that presents an unacceptable risk to Stripe.

8.38.3 Survival. Provisions that by their nature are intended to survive termination (including Sections 2.6, 3.4, 5.2, 5.3, 5.4, 6, 7, 9.2, 9.3 and this Section 8.3) will survive termination of this Agreement.

99. Miscellaneous

9.19.1 Notices. Stripe may give notices about the Program or under this Agreement by email, or posting the notice in the Portal. Unless this Agreement states otherwise, Partner must submit its notices to Stripe by opening a support case in the Portal.

9.29.2 Feedback. Partner or its Affiliates may provide suggestions, comments, or other feedback to Stripe or its Affiliates with respect to the Program, the Portal, or the Stripe Services ("Feedback"). Feedback is voluntary, and Partner, on behalf of itself and its Affiliates, grants to Stripe and its Affiliates a perpetual, worldwide, non-exclusive, irrevocable, royalty-free license to exploit the Feedback for any purpose, including developing, manufacturing, marketing, selling and maintaining Stripe's products and services. All Feedback is considered Stripe's Confidential Information.

9.39.3 Governing Law and Venue. If Partner is located in North America or South America (the "Americas"), then the laws of the State of California will govern this Agreement, without giving effect to its conflicts of law principles. Each party irrevocably submits to the exclusive personal jurisdiction of, and will bring all suits and actions under or in connection with this Agreement exclusively in, the courts located in San Mateo County, California, and waives all objections to that jurisdiction and venue. If Partner is located in Japan, then the laws of Japan will govern this Agreement, without reference to its conflict of law principles to the contrary. Each party irrevocably submits to the exclusive personal jurisdiction of, and will bring any suit or action under or in connection with this Agreement exclusively in, the courts located in Tokyo, and waives all objections to that jurisdiction and venue. If Partner is located outside of the Americas or Japan, then the laws of Ireland will govern this Agreement. Each party irrevocably submits to the exclusive personal jurisdiction of, and will bring all suits and actions under or in connection with this Agreement exclusively in, the courts located in Ireland, and waives all objections to that jurisdiction and venue.

9.49.4 Assignment. Neither party may assign or transfer any obligations or benefit under this Agreement without the other party's consent, except (a) Stripe may, without Partner's consent, assign and transfer this Agreement, including any of its rights and obligations under this Agreement, to any Stripe Affiliate; and (b) Partner may, with Stripe's consent, which Stripe will not unreasonably withhold, delay or condition, assign and transfer this Agreement, including any of its rights and obligations under this Agreement, to any of its Affiliates. Any attempt to assign in violation of the foregoing sentence will be void in each instance.This Agreement will be binding upon, inure to the benefit of, and be enforceable by the parties and their permitted assigns.

9.59.5 Force Majeure. Neither party, or its Affiliates, will be liable for any loss or damage to the other party, or delays in performance, to the extent caused by a Force Majeure Event.

9.69.6 Order of Precedence. If there is any conflict between the terms in the following list, the terms earlier in the list will prevail to the extent of the inconsistency: (a) this Agreement; (b) terms in, or referenced in, the Portal; and (c) other terms incorporated by reference in this Agreement.

9.79.7 Construction and Interpretation. If any court or Governmental Authority determines any provision of this Agreement to be unenforceable, the parties intend that this Agreement be enforced as if the unenforceable provisions were not present and that any partially valid and enforceable provisions be enforced to the extent that they are enforceable. Unless stated, or context requires otherwise (a) "days" means "calendar days"; and (b) references to "includes" or "including" not followed by "only" or a similar word mean "includes, without limitation" and "including, without limitation," respectively. This Agreement will be interpreted according to the plain meaning of its terms without any presumption that it should be construed to favor either party. This Agreement has been executed in English, which will be the sole and controlling language used to interpret or construe its meaning (unless Law requires otherwise).

9.89.8 Non-Exclusivity. This Agreement is non-exclusive, and either party may enter into any alliance, partnership, referral, resale, customer or other agreement with any third party at any time.

9.99.9 Relationship of the Parties. Each party is an independent contractor to the other and has no authority to act on behalf of or bind the other, and this Agreement does not create any other relationship (e.g., employment, partnership, agency, or franchise). Partner remains solely responsible for all products and services it provides to its customers. The use of the term "partner" refers solely to membership in the Program and does not imply a legal partnership.

9.109.10 Cumulative Rights. The rights and remedies of the parties under this Agreement are cumulative, and each party may enforce any of its rights or remedies under this Agreement, along with all other rights and remedies available to it at law or in equity.

9.119.11 Waivers; Entire Agreement. No waiver of any breach will waive any other breach, and only written waivers are effective. This Agreement (a) is the parties' entire agreement on Partner's participation in the Program and supersedes all oral understandings, representations, prior discussions, letters of intent, or preliminary agreements to the extent related to this subject; and (b) may be modified only as expressly provided in this Agreement. The Stripe Agreement governs Partner's access to and use of Stripe Services. Nothing in this Agreement modifies or supersedes the Stripe Agreement.

9.129.12 Right to Modify. Stripe may modify the Program or this Agreement at any time, solely with prospective effect. Stripe will notify Partner of modifications through the Portal or via email. If Partner does not agree to a modification, Partner must immediately stop participating in (and accepting any benefits from) the Program. Partner's continued access to the Portal, or acceptance of any benefits of the Program, constitutes acceptance of the modified Program or Agreement.

1010. Definitions

10.110.1 "Affiliate" means a legal entity that controls, is controlled by, or is under common control with a party.

10.210.2 "Collateral" means the images, documentation, case studies and similar materials that either party provides to the other for use as part of any marketing activities under this Agreement.

10.310.3 "Confidential Information" means non-public information, know-how, and trade secrets in any form, that a reasonable person knows or reasonably should understand to be confidential based on the nature of the disclosure, or that the Disclosing Party designates as confidential.

10.410.4 "Force Majeure Event" means an event beyond a party's control, including a strike or other labor dispute; labor shortage, stoppage or slowdown; supply chain disruption; embargo or blockade; telecommunication breakdown; power outage or shortage; inadequate transportation service; inability or delay in obtaining adequate supplies; weather; earthquake; fire; flood; act of God; riot; civil disorder; civil or government calamity; epidemic; pandemic; state or national health crisis; war; invasion; hostility (whether war is declared or not); terrorism threat or act; Law; or act of a Governmental Authority.

10.510.5 "Governmental Authority" means a regulator or other governmental agency or entity with jurisdiction over the Program, Stripe or Partner, as applicable.

10.610.6 "Law" means all applicable laws, rules, regulations and other binding requirements of a Governmental Authority.

10.710.7 "Lead Data" means the data Partner (and its agents, if any) provides to Stripe about a Lead in connection with the Program, including personal data such as contact information of Leads' representatives.

10.810.8 "Mark" means a trademark, service mark, design mark, logo or stylized script.

10.910.9 "Materials" means all materials and Collateral that one party provides or makes available to the other in relation to the Program.

10.1010.10 "Portal" means the "Stripe Partner Portal" section of the Stripe Dashboard, or a successor site Stripe designates, which provides Program information, Program tiers, tools, information, Stripe Materials, and Program policies.

10.1110.11 "Stripe" means (a) Stripe, LLC, a Delaware limited liability company, if Partner's principal place of business is located in the Americas; or (b) Stripe Payments Europe, Ltd., an Irish company, if Partner's principal place of business is located outside of the Americas.

10.1210.12 "Stripe Agreement" means Partner's agreement with Stripe under which Partner has access to Stripe Services.

10.1310.13 "Stripe Services" means the services that Stripe or its Affiliates offer to their users.

·Last updated: April 28, 2026

·This Privacy Policy includes important information about your personal data and we encourage you to read it carefully.

·Welcome

·We provide financial infrastructure for the internet. Individuals and businesses of all sizes use our technology and services to facilitate purchases, accept payments, send payouts, and manage their online businesses.

·This Privacy Policy ("Policy") describes the Personal Data that we collect, how we use and share it, and how you can reach us with privacy-related inquiries. The Policy also outlines your rights and choices as a data subject, including the right to object to certain uses of your Personal Data.

·Depending on the activity, Stripe assumes the role of a "data controller" and/or "data processor" (or "service provider"). For more details about our privacy practices, including our role, the specific Stripe entity responsible under this Policy, and our legal bases for processing your Personal Data, please visit our Privacy Center.

·Defined Terms

·In this Policy, "Stripe", "we", "our," or "us" refers to the Stripe entity responsible for the collection, use, processing, and handling of Personal Data as described in this document. Depending on your jurisdiction, the specific Stripe entity responsible for your Personal Data might vary. Learn More.

·"Personal Data" refers to any information associated with an identified or identifiable individual, which can include data that you provide to us, and that we collect about you during your interaction with our Services (such as device information, IP address, etc.).

·"Services" refers to the products, services, devices, and applications that we provide under the Stripe Services Agreement or the Stripe Credit Card Terms of Service (collectively, "Business Services"), or the Stripe Consumer Terms of Service ("End User Services"); websites ("Sites") like Stripe.com and Link.com; and other Stripe applications and online services. We provide Business Services to entities ("Business Users"). We provide End User Services directly to individuals for their personal use.

·"Financial Partners" are financial institutions, banks, and other partners such as payment method acquirers, payment intermediaries, payment aggregators, payout providers, payment method providers, payment processors, and card networks that we partner with, directly or indirectly, to provide the Services.

·Depending on the context, "you" might be an End Customer, End User, Representative, or Visitor:

• ·End Users. When you use an End User Service, such as saving a payment method with Link, for personal use we refer to you as an "End User."
• ·End Customers. When you are not directly transacting with Stripe, but we receive your Personal Data to provide Services to a Business User, including when you make a purchase from a Business User on a Stripe Checkout page or receive payments or other services from a Business User, we refer to you as an "End Customer."
• ·Representatives. When you are acting on behalf of an existing or potential Business User-perhaps as a company founder, account administrator for a Business User, or a recipient of an employee credit card from a Business User via Stripe Issuing-we refer to you as a "Representative."
• ·Visitors. When you interact with Stripe by visiting a Site without being logged into a Stripe account, or when your interaction with Stripe does not involve you being an End User, End Customer, or Representative, or when you visit a Stripe office or other Stripe premises, we refer to you as a "Visitor." For example, you are a Visitor when you send a message to Stripe asking for more information about our Services.

·In this Policy, "Transaction Data" refers to data collected or used by Stripe in relation to transactions you request. Some Transaction Data is Personal Data and may include: your name, email address, contact number, billing and shipping address, payment method information (like credit or debit card number, bank or payment method account details, or payment card image chosen by you), merchant and location details, amount and date of purchase, information about payment status, and in some instances, information about what was purchased, order fulfillment status, subscription status, applicable tax amounts, refund or chargeback information, and support interactions.

11. Personal Data that we collect and how we use and share it

22. 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 10. US Consumer Privacy Notice

11. Personal Data we collect and how we use and share it

·Our collection and use of Personal Data differs based on whether you are an End User, End Customer, Representative, or Visitor, and the specific Service that you are using. For example, if you're a sole proprietor who wants to use our Business Services, we may collect your Personal Data to onboard your business; at the same time, you might also be an End Customer if you've bought goods from another Business User that is using our Services for payment processing. You could also be an End User if you used our End User Services, such as Link, for those transactions.

1.11.1 End Users

·We provide End User Services when we provide the Services directly to you for your personal use (e.g., Link). Additional details regarding our collection, use, and sharing of End User Personal Data, including the legal bases we rely on for processing such data, can be found in our Privacy Center.

·a. Personal Data we collect about End Users

·Using Link or Connecting your bank account. Stripe offers a service called "Link," which allows you to create an account and store information for future interactions with Stripe's Services and Business Users. You may save a number of different kinds of Personal Data using Link. For instance, you may save your name, payment method details, contact information, and address to conveniently use saved information to pay for transactions across our Business Users. When you choose to pay with Link, we will also collect Transaction Data associated with your transactions. Learn More.

·You can also share and save bank account details to your Link account using Stripe's Financial Connections product. When you use Financial Connections, Stripe will periodically collect and process your account information (such as bank account owner information, account balances, account number and details, account transactions, and, in some cases, log-in credentials). You can withdraw your consent by disconnecting your bank account and ask us to cease the collection of such data at any time. Learn More.

·You can also use your Link account to access services provided by Stripe's partner businesses, such as Buy Now, Pay Later (BNPL) services or crypto wallet services. In these situations, we will collect and share additional Personal Data with partner businesses to facilitate your use of such services. You can save this information to your Link account to access similar services in the future. We may also receive certain information about you from partner businesses in connection with the services they provide. Learn More.

·Finally, you can use Link to store your identity documents (such as your driver's license) and other identification information (such as tax ID) so that you can share them in future interactions with Stripe or its Business Users.

·Paying Stripe. When you purchase goods or services directly from Stripe, we receive your Transaction Data. For instance, when you make a payment to Stripe Climate, we collect information about the transaction, as well as your contact and payment method details.

·Identity/Verification Services. We offer an identity verification service that automates the comparison of your identity document (such as a driver's license) with your image (such as a selfie). You can separately consent to us using your biometric data to enhance our verification technology, with the option to revoke your consent at any time. Learn More.

·More. For further information about other types of Personal Data that we may collect about End Users, including about your online activity and your engagement with our End User Services, please see the More ways we collect, use, and share Personal Data section below.

·b. How we use and share Personal Data of End Users

·Services. We use and share your Personal Data to provide the End User Services to you, which includes support, personalization (such as language preferences and setting choices), and communication about our End User Services (such as communicating Policy updates and information about our Services). For example, Stripe may use cookies and similar technologies or the data you provide to our Business Users (such as when you input your email address on a Business User's website) to recognize you and help you use Link when visiting our Business User's website. Learn more about how we use cookies and similar technologies in Stripe's Cookie Policy.

·When you buy eligible digital goods or services using Stripe Managed Payments, Stripe acts as Merchant of Record and collects Transaction Data and certain order-level details to provide the services, such as subscription status, fulfillment status, tax amounts, refund or chargeback information, and support interactions. For any subscription purchase, a Link account is required to manage your subscription. Learn more.

·Our Business Users. When you use an End User Service, such as using Link to make payments with our Business Users, we share your Personal Data, including name, contact information, payment method details, and Transaction Data with those Business Users. Learn More. You can also direct Stripe to share your saved bank account information and identity documents with Business Users you do business with. Once we share your Personal Data with Business Users, we may process that Personal Data as a Data Processor for those Business Users, as detailed in Section 1.2 of this Policy. You should consult the privacy policies of the Business Users with whom you do business for information on how they use the information shared with them.

·Fraud Detection and Loss Prevention. We use your Personal Data collected across our Services to detect fraud and prevent financial losses for you, us, and our Business Users and Financial Partners, including detecting unauthorized purchases. We may provide Business Users and Financial Partners, including those that use our fraud prevention-related Business Services (such as Stripe Radar), with Personal Data about you (including your attempted transactions) so that they can assess the fraud or loss risk associated with the transaction. Learn more about how we may use technology to assess the fraud risk associated with an attempted transaction and what information we share with Business Users and Financial Partners here and here.

·Advertising. Where permitted by applicable law, we may use your Personal Data, including Transaction Data, to assess your eligibility for, and offer you, other End User Services or to promote existing End User Services, including through co-marketing with partners such as Stripe Business Users. Learn more. Subject to applicable law, including any consent requirements, we use and share End User Personal Data with third party partners to allow us to advertise our End User Services to you, including through interest-based advertising, and to track the efficacy of such ads. We do not transfer your Personal Data to third parties in exchange for payment, but we may provide your data to third-party partners, such as advertising partners, analytics providers, and social networks, who assist us in advertising our Services to you. Learn more.

·More. For further information about ways we may use and share End Users' Personal Data, please see the More ways we collect, use, and share Personal Data section below.

1.21.2 End Customers

·Stripe provides various Business Services to our Business Users, which include processing in-person or online payments or payouts for those Business Users. When acting as a service provider-also referred to as a Data Processor-for a Business User, we process End Customer Personal Data in accordance with our agreement with the Business User and the Business User's lawful instructions. This happens, for example, when we process a payment for a Business User because you purchased a product from them, or when the Business User asks us to send you funds.

·Business Users are responsible for ensuring that the privacy rights of their End Customers are respected, including obtaining appropriate consents and making disclosures about their own data collection and use associated with their products and services. If you're an End Customer, please refer to the privacy policy of the Business User you're doing business with for its privacy practices, choices, and controls.

·We provide more comprehensive information about our collection, use, and sharing of End Customer Personal Data in our Privacy Center, including the legal bases we rely on for processing your Personal Data.

·a. Personal Data we collect about End Customers

·Transaction Data. If you're an End Customer making payments to, receiving refunds or payments from, or initiating a purchase, donation or otherwise transacting with our Business User, whether in-person or online, we receive your Transaction Data. We may also receive your transaction history with the Business User. Learn More. Additionally, we may collect information entered into a checkout form even if you opt not to complete the form or transaction with the Business User. Learn More. A Business User who uses Stripe's Terminal Service to provide its goods or services to End Customers may use the Terminal Service to collect End Customer Personal Data (like your name, email, phone number, address, signature, or age) in accordance with its own privacy policy.

·Identity/Verification Information. Stripe provides a verification and fraud prevention Service that our Business Users can use to verify Personal Data about you, such as your authorization to use a particular payment method. During the process, you'd be asked to share with us certain Personal Data (like your government ID and selfie for biometric verification, Personal Data you input, or Personal Data that is apparent from the physical payment method, like a credit card image). To protect against fraud and determine if somebody is trying to impersonate you, we may cross-verify this data with information about you that we've collected from Business Users, Financial Partners, business affiliates, identity verification services, publicly available sources, and other third-party service providers and sources. Learn More.

·End Customer Credit Card Services. Stripe offers services to enable our Business Users, on behalf of an Issuing Bank, to provide credit cards to consumers. If you apply for a credit card for your personal, family, or household purposes through one of our Business Users using Stripe's Issuing service, Stripe will collect your Personal Data, including your name, address, email address, and identity documents, tax ID, and self-reported income. We may also obtain credit reports about you from credit bureaus to determine your eligibility. When you use a credit card issued through Stripe's Issuing service, Stripe will also collect Transaction Data associated with your transactions.

·More. For further information about other types of Personal Data that we may collect about End Customers, including about your online activity, please see the More ways we collect, use, and share Personal Data section below.

·b. How we use and share Personal Data of End Customers

·To provide our Business Services to our Business Users, we use and share End Customers' Personal Data with them. Where allowed, we also use End Customers' Personal Data for Stripe's own purposes such as enhancing security; offering, personalizing, and improving our Business Services; and preventing fraud, loss, and other damages, as described further below.

·Payment processing and accounting. We use your Transaction Data to deliver Payment-related Business Services to Business Users - including online payment transactions processing, sales tax calculation, and invoice, bill, and dispute handling - and to help them determine their revenue, settle their bills, and execute accounting tasks. Learn More. We may also use your Personal Data to provide and improve our Business Services.

·During payment transactions, your Personal Data is shared with various entities in connection with your transaction. As a service provider or data processor, we share Personal Data to enable transactions as directed by Business Users. For instance, when you choose a payment method for your transaction, we may share your Transaction Data with your bank, other payment method provider, or payment processor(s), including as necessary to authenticate you (Learn More), process your transaction, prevent fraud, and handle disputes. The Business User you choose to do business with also receives Transaction Data and might share the data with others. Please review your merchant's, bank's, and payment method provider's privacy policies for more information about how they use and share your Personal Data.

·Financial services. Certain Business Users leverage our Services to offer financial services to you via Stripe or our Financial Partners. For example, a Business User may issue a card product with which you can purchase goods and services. Such cards could carry the brand of Stripe, the bank partner, and/or the Business User. In addition to any Transaction Data we may generate or receive when these cards are used for purchases, we also collect and use your Personal Data to provide and manage these products, including assisting our Business Users in preventing misuse of the cards. Please review the privacy policies of the Business User and, if applicable, our bank partners associated with the financial service (the brands of which may be shown on the card) for more information.

·Identity/Verification services. We use Personal Data about your identity to perform verification services for Stripe or for the Business Users that you are transacting with, to prevent fraud, and to enhance security. For these purposes we may use Personal Data you provide directly or Personal Data we obtain from our service providers, including for phone verification. Learn More. If you provide a selfie along with an image of your identity document, we may employ biometric technology to compare and calculate whether they match and verify your identity. Learn More.

·Fraud detection and loss prevention. We use your Personal Data collected across our Services to detect and prevent losses for you, us, our Business Users, and Financial Partners. We may provide Business Users and Financial Partners, including those using our fraud prevention-related Business Services, with your Personal Data (including your attempted transactions) to help them assess the fraud or loss risk. Learn more about how we may use technology to assess the fraud risk associated with an attempted transaction and what information we share with Business Users and Financial Partners here and here.

·Our Business Users (and their authorized third parties). We share End Customers' Personal Data with their respective Business Users and parties directly authorized by those Business Users to receive such data. Here are common examples of such sharing:

• ·When a Business User instructs Stripe to provide another Business User with access to its Stripe account, including data related to its End Customers, via Stripe Connect.
• ·Sharing information that you have provided to us with a Business User so that we can send payments to you on behalf of that Business User.
• ·Sharing information, documents, or images provided by an End Customer with a Business User when the latter uses Stripe Identity, our identity verification Service, to verify the identity of the End Customer.

·The Business Users you choose to do business with may further share your Personal Data with third parties (like additional third-party service providers other than Stripe). Please review the Business User's privacy policy for more information about how they collect, use, process, and handle your Personal Data.

·Advertising by Business Users. If you initiate a purchasing process with a Business User, the Business User receives your Personal Data from us in connection with our provision of Services even if you don't finish your purchase. The Business User may use your Personal Data to market and advertise their products or services, subject to the terms of their privacy policy. Please review the Business User's privacy policy for more information, including your rights to stop their use of your Personal Data for marketing purposes.

·More. For further information about additional ways in which we may use and share End Customers' Personal Data, please see the More ways we collect, use, and share Personal Data section below.

1.31.3 Representatives

·We collect, use, and share Personal Data from Representatives of Business Users (for example, business owners) to provide our Business Services. For more information about how we collect, use, and share Personal Data from Representatives, as well as the legal bases we rely on for processing such Personal Data, please visit our Privacy Center.

·a. Personal Data we collect about Representatives

·Registration and contact information. When you register for a Stripe account for a Business User (including incorporation of a Business), we collect your name and login credentials. If you register for or attend an event organized by Stripe or sign up to receive Stripe communications, we collect your registration and profile data. As a Representative, we may collect your Personal Data from third parties, including data providers, to advertise, market, and communicate with you as detailed further in the More ways we collect, use, and share Personal Data section below. We may also link a location with you to tailor the Services or information effectively to your needs. Learn More.

·Identification Information. As a current or potential Business User, an owner of a Business User, or a shareholder, officer, or director of a Business User, we need your contact details, such as name, postal address, telephone number, and email address, to fulfill our Financial Partner and regulatory requirements, verify your identity, and prevent fraudulent activities and harm to the Stripe platform. We collect your Personal Data, such as ownership interest in the Business User, date of birth, government-issued identity documents, and associated identifiers, as well as any history of fraud or misuse, directly from you and/or from publicly available sources, third parties such as credit bureaus and via the Services we provide. Learn More. You may also provide us with bank account information.

·More. For further information about other types of Personal Data that we may collect about Representatives, including your online activity, please see the More ways we collect, use, and share Personal Data section below.

·b. How we use and share Personal Data of Representatives

·We typically use the Personal Data of Representatives to provide the Business Services to the corresponding Business Users. The ways we use and share this data are further described below.

·Business Services. We use and share Representatives' Personal Data with Business Users to provide the Services requested by you or the Business User you represent.

·In some instances, we may have to submit your Personal Data to a government entity to provide our Business Services, for purposes such as the incorporation of a business, or calculating and paying applicable sales tax. For our tax-related Business Services, we may use and share with authorized third parties your Personal Data to prepare tax documents, register for taxes, and file taxes on behalf of the Business User you represent. For our Atlas business incorporation Services, we may use your Personal Data to submit forms to the IRS on your behalf and file documents with other government authorities, such as articles of incorporation in your state of incorporation. We may also use and share your Personal Data to determine the eligibility of the Business User you represent for certain Stripe services.

·We share Representatives' Personal Data with parties authorized by the corresponding Business User, such as Financial Partners servicing a financial product, or third party apps or services the Business User chooses to use alongside our Business Services. Here are common examples of such sharing:

• ·Payment method providers, like Visa or WeChat Pay, require information about Business Users and their Representatives who accept their payment methods. This information is typically required during the onboarding process or for processing transactions and handling disputes for these Business Users. Learn More.
• ·A Business User may authorize Stripe to share your Personal Data with other Business Users to facilitate the provision of Services through Stripe Connect.

·The use of Personal Data by a third party authorized by a Business User is subject to the third party's privacy policy.

·If you are a Business User who has chosen a name that includes Personal Data (for example, a sole proprietorship or family name in a company name), we will use and share such information for the provision of our Services in the same way we do with any company name. This may include, for example, displaying it on receipts and other transaction-identifying descriptions.

·Fraud detection and loss prevention. We use Representatives' Personal Data to identify and manage risks that our Business Services might be used for fraudulent activities causing losses to Stripe, End Users, End Customers, Business Users, Financial Partners, and others. We also use information about you obtained from publicly available sources, third parties like credit bureaus and from our Services to address such risks, including to identify patterns of misuse and monitor for terms of service violations. Stripe may share Representatives' Personal Data with Business Users, our Financial Partners, and third party service providers, including phone verification providers, Learn More, to verify the information provided by you and identify risk indicators on a recurring basis. Learn More. We also use and share Representatives' Personal Data to conduct due diligence, including conducting anti-money laundering and sanctions screening in accordance with applicable law.

·Advertising. Where permitted by applicable law, and where required with your consent, we use and share Representatives' Personal Data with third parties, including Partners, so we can advertise and market our Services and Partner integrations. Subject to applicable law, including any consent requirements, we may advertise through interest-based advertising and track the efficacy of such ads. See our Cookie Policy. We do not transfer your Personal Data to third parties in exchange for payment. However, we may provide your data to third party partners, like advertising partners, analytics providers, and social networks, who assist us in advertising our Services. Learn more. We may also use your Personal Data, including your Stripe account activity, to evaluate your eligibility for and offer you Business Services or promote existing Business Services. Learn more.

·More. For further information about additional ways by which we may use and share Representatives' Personal Data, please see the More ways we collect, use, and share Personal Data section below.

1.41.4 Visitors

·We collect, use, and share the Personal Data of Visitors. More details about how we collect, use, and share Visitors' Personal Data, along with the legal bases we rely on for processing such Personal Data, can be found in our Privacy Center.

·a. Personal Data we collect about Visitors

·When you browse our Sites, we receive your Personal Data, either provided directly by you or collected through our use of cookies and similar technologies. See our Cookie Policy for more information. If you opt to complete a form on the Site or third party websites where our advertisements are displayed (like LinkedIn or Facebook), we collect the information you included in the form. This may include your contact information and other information pertaining to your questions about our Services. We may also associate a location with your visit. Learn More.

·When you visit our offices or other Stripe premises or attend Stripe events, we may collect registration information (including access requirements) and photo and audio-visual data captured on CCTV or other video systems.

·More. Further details about other types of Personal Data that we may collect from Visitors, including your online activity, can be found in the More ways we collect, use, and share Personal Data section below.

·b. How we use and share Personal Data of Visitors

·Personalization. We use the data we collect about you using cookies and similar technologies to measure engagement with the content on the Sites, improve relevancy and navigation, customize your experience (such as language preference and region-specific content), and curate content about Stripe and our Services that's tailored to you. For instance, as not all of our Services are available globally, we may customize our responses based on your region.

·Advertising. Where permitted by applicable law, and where required with your consent, we use and share Visitors' Personal Data with third parties, including Partners, so we can advertise and market our Services and Partner integrations. Subject to applicable law, including any consent requirements, we may advertise through interest-based advertising and track the efficacy of such ads. See our Cookie Policy. We do not transfer your Personal Data to third parties in exchange for payment, but we may provide your data to third party partners, like advertising partners, analytics providers, and social networks, who assist us in advertising our Services. Learn more.

·Engagement. As you interact with our Sites, we use the information we collect about and through your devices to provide opportunities for further interactions, such as discussions about Services or interactions with chatbots, to address your questions.

·More. For more information about additional ways we may use and share Visitors' Personal Data, please see the More ways we collect, use, and share Personal Data section below.

22. More ways we collect, use, and share Personal Data

·In addition to the ways described above, we also process your Personal Data as follows:

·a. Collection of Personal Data

·Online Activity. Depending on the Service used and how our Business Services are implemented by the Business Users, we may collect information related to:

• ·The devices and browsers you use across our Sites and third-party websites, apps, and other online services ("Third-Party Sites").
• ·Usage data associated with those devices and browsers and your engagement with our Services, including data elements like IP address, plug-ins, language preference, time spent on Sites and Third-Party Sites, pages visited, links clicked, payment methods used, and the pages that led you to our Sites and Third-Party Sites. We also collect activity indicators, such as mouse activity indicators, to help us detect fraud. Learn More. See also our Cookie Policy.

·Communication and Engagement Information. We also collect information you choose to share with us through various channels, such as support tickets, emails, or social media. If you respond to emails or surveys from Stripe, we collect your email address, name, and any other data you opt to include in your email or responses. If you engage with us over the phone, we collect your phone number and any other information you might provide during the call. Calls with Stripe or Stripe representatives may be recorded and transcribed. Learn More. Additionally, we collect your engagement data, like your registration for, attendance at, or viewing of Stripe events and any other interactions with Stripe personnel.

·Forums and Discussion Groups. If our Sites allow posting of content, we collect Personal Data that you provide in connection with the post.

·b. Use of Personal Data.

·Besides the use of Personal Data described above, we use Personal Data in the ways listed below:

·Analyzing, Improving, and Developing our Services. We collect and process Personal Data throughout our various Services, whether you are an End User, End Customer, Representative, or Visitor, to improve our Services, develop new Services, and support our efforts to make our Services more efficient, relevant, and useful to you. Learn More. We may use Personal Data to generate aggregate and statistical information to understand and explain how our Services are used. Examples of how we use Personal Data to analyze, improve, and develop our products and services include:

• ·Using analytics on our Sites, including as described in our Cookie Policy, to help us understand your use of our Sites and Services and diagnose technical issues.
• ·Training artificial intelligence models to power our Services and protect against fraud and other harm. Learn More.
• ·Analyzing and drawing inferences from Transaction Data to reduce costs, fraud, and disputes and increase authentication and authorization rates for Stripe and our Business Users.
• ·Analyzing call recordings and call and chat transcripts for quality assurance, training, and operational purposes. Learn More.

·Communications. We use the contact information we have about you to deliver our Services, which may involve sending codes via SMS for your authentication. Learn More. We do not share mobile data we collect for authentication purposes with third parties for marketing or promotional purposes. If you are an End User, Representative, or Visitor, we may communicate with you using the contact information we have about you to provide information about our Services and our affiliates' services, invite you to participate in our events, surveys, or user research, or otherwise communicate with you for marketing purposes, in compliance with applicable law, including any consent or opt-out requirements. For example, when you provide your contact information to us or when we collect your business contact details through participation at trade shows or other events, we may use this data to follow up with you regarding an event, provide information requested about our Services, and include you in our marketing information campaigns. Where permitted under applicable law, we may record and transcribe our calls with you to provide our Services, comply with our legal obligations, perform research and quality assurance, and for training purposes. Learn More.

·Social Media and Promotions. If you opt to submit Personal Data to engage in an offer, program, or promotion, we use the Personal Data you provide to manage the offer, program, or promotion. We also use the Personal Data you provide, along with the Personal Data you make available on social media platforms, for marketing purposes, unless we are not permitted to do so.

·Fraud Prevention and Security. We collect and use Personal Data to help us identify and manage activities that could be fraudulent or harmful across our Services, enable our fraud detection Business Services, and secure our Services and transactions against unauthorized access, use, alteration or misappropriation of Personal Data, information, and funds. As part of the fraud prevention, detection, security monitoring, and compliance efforts for Stripe and its Business Users, we collect information from publicly available sources, third parties (such as credit bureaus), and via the Services we offer. In some instances, we may also collect information about you directly from you, or from our Business Users, Financial Partners, and other third parties for the same purposes. Furthermore, to protect our Services, we may receive details such as IP addresses and other identifying data about potential security threats from third parties. Learn More. Such information helps us verify identities, conduct credit checks where lawfully permitted, and prevent fraud. Additionally, we might use technology to evaluate the potential risk of fraud associated with individuals seeking to procure our Business Services or arising from attempted transactions by an End Customer or End User with our Business Users or Financial Partners.

·Compliance with Legal Obligations. We use Personal Data to meet our contractual and legal obligations related to anti-money laundering, Know-Your-Customer ("KYC") laws, anti-terrorism activities, safeguarding vulnerable customers, export control, and prohibition of doing business with restricted persons or in certain business fields, among other legal obligations. For example, we may monitor transaction patterns and other online signals and use those insights to identify fraud, money laundering, and other harmful activity that could affect Stripe, our Financial Partners, End Users, Business Users and others. Learn More. Safety, security, and compliance for our Services are key priorities for us, and collecting and using Personal Data is crucial to this effort.

·Minors. Our Services are not directed to children under the age of 13, and we request that they do not provide Personal Data to seek Services directly from Stripe. In certain jurisdictions, we may impose higher age limits as required by applicable law.

·c. Sharing of Personal Data.

·Besides the sharing of Personal Data described above, we share Personal Data in the ways listed below:

·Stripe Affiliates. We share Personal Data with other Stripe-affiliated entities for purposes identified in this Policy.

·Service Providers or Processors. In order to provide, communicate, market, analyze, and advertise our Services, we depend on service providers. These providers offer critical services such as providing cloud infrastructure, conducting analytics for the assessment of the speed, accuracy, and/or security of our Services, verifying identities, identifying potentially harmful activity, and providing customer service and audit functions. We authorize these service providers to use or disclose the Personal Data we make available to them to perform services on our behalf and to comply with relevant legal obligations. We require these service providers to contractually commit to security and confidentiality obligations for the Personal Data they process on our behalf. The majority of our service providers are based in the European Union, the United States of America, and India. Learn More.

·Financial Partners. We share Personal Data with certain Financial Partners to provide our Services and offer certain Services in conjunction with these Financial Partners. For instance, we may share certain Personal Data, such as payment processing volume, loan repayment data, and Representative contact information, with institutional investors and lenders who purchase loan receivables or provide financing related to Stripe Capital. Learn More.

·Others with Consent. In some situations, we may not offer a service, but instead refer you to others (like professional service firms that we partner with to deliver the Atlas Service). In these instances, we will disclose the identity of the third party and the information to be shared with them, and seek your consent to share the information.

·Corporate Transactions. If we enter or intend to enter a transaction that modifies the structure of our business, such as a reorganization, merger, sale, joint venture, assignment, transfer, change of control, or other disposition of all or part of our business, assets, or stock, we may share Personal Data with third parties in connection with such transaction. Any other entity that buys us or part of our business will have the right to continue to use your Personal Data, subject to the terms of this Policy.

·Compliance and Harm Prevention. We share Personal Data when we believe it is necessary to comply with applicable law; to abide by rules imposed by Financial Partners in connection with the use of their payment method; to enforce our contractual rights; to secure and protect the Services, rights, privacy, safety, and property of Stripe, you, Business Users, and others, including against malicious or fraudulent activity; and to respond to valid legal requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities, which may include authorities outside your country of residence.

33. Legal bases for processing Personal Data

·For purposes of the General Data Protection Regulation (GDPR) and other applicable data protection laws, we rely on a number of legal bases to process your Personal Data. Learn More. For some jurisdictions, there may be additional legal bases, which are outlined in the Jurisdiction-Specific Provisions section below.

·a. Contractual and Pre-Contractual Business Relationships. We process Personal Data to enter into business relationships with prospective Business Users and End Users and fulfill our respective contractual obligations with them. These processing activities include:

• ·Creation and management of Stripe accounts and Stripe account credentials, including the assessment of applications to initiate or expand the use of our Services;
• ·Creation and management of Stripe Checkout accounts;
• ·Accounting, auditing, and billing activities; and
• ·Processing of payments and related activities, which include fraud detection, loss prevention, transaction optimization, communications about such payments, and related customer service activities.

·b. Legal Compliance. We process Personal Data to verify the identities of individuals and entities to comply with obligations related to fraud monitoring, prevention, and detection, laws associated with identifying and reporting illicit and illegal activities, such as those under the Anti-Money Laundering ("AML") and Know-Your-Customer ("KYC") regulations, and financial reporting obligations. For example, we may be required to record and verify a Business User's identity to comply with regulations designed to prevent money laundering, fraud, and financial crimes. These legal obligations may require us to report our compliance to third parties and subject ourselves to third party verification audits.

·c. Legitimate Interests. Where permitted under applicable law, we rely on our legitimate business interests to process your Personal Data. The following list provides an example of the business purposes for which we have a legitimate interest in processing your data:

• ·Detection, monitoring, and prevention of fraud and unauthorized payment transactions;
• ·Mitigation of financial loss, claims, liabilities, or other harm to End Customers, End Users, Business Users, Financial Partners, and Stripe;
• ·Determination of eligibility for and offering new Stripe Services (Learn More);
• ·Response to inquiries, delivery of Service notices, and provision of customer support;
• ·Promotion, analysis, modification, and improvement of our Services, systems, and tools, as well as the development of new products and services, including enhancing the reliability of the Services;
• ·Management, operation, and improvement of the performance of our Sites and Services, through understanding their effectiveness and optimizing our digital assets;
• ·Analysis and advertisement of our Services, and related improvements;
• ·Aggregate analysis and development of business intelligence that enable us to operate, protect, make informed decisions about, and report on the performance of our business;
• ·Sharing of Personal Data with third party service providers that offer services on our behalf and business partners that help us in operating and improving our business (Learn More);
• ·Enabling network and information security throughout Stripe and our Services; and
• ·Sharing of Personal Data among our affiliates.

·d. Consent. We may rely on consent or explicit consent to collect and process Personal Data regarding our interactions with you and the provision of our Services such as Link, Financial Connections, Atlas, and Identity. When we process your Personal Data based on your consent, you have the right to withdraw your consent at any time, and such a withdrawal will not impact the legality of processing performed based on the consent prior to its withdrawal.

·e. Substantial Public Interest. We may process special categories of Personal Data, as defined by the GDPR, when such processing is necessary for reasons of substantial public interest and consistent with applicable law, such as when we conduct politically-exposed person checks. We may also process Personal Data related to criminal convictions and offenses when such processing is authorized by applicable law, such as when we conduct sanctions screening to comply with AML and KYC obligations.

·f. Other valid legal bases. We may process Personal Data further to other valid legal bases as recognized under applicable law in specific jurisdictions. See the Jurisdiction-specific provisions section below for more information.

44. Your rights and choices

·Depending on your location and subject to applicable law, 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 wish to stop receiving marketing-related communications from us, you can opt-out by clicking the unsubscribe link included in such communications or as described here. We'll try to process your request(s) as quickly as reasonably practicable. However, it's important to note that even if you opt out of receiving marketing-related communications from us, we retain the right to communicate with you about the Services you receive (like support and important legal notices) and our Business Users might still send you messages or instruct us to send you messages on their behalf.

·b. Your data protection rights

·Depending on your location and subject to applicable law, you may have the following rights regarding the Personal Data we process about you as a data controller:

• ·The right to request confirmation of whether Stripe is processing Personal Data associated with you, the categories of personal data it has processed, and the third parties or categories of third parties with which your Personal Data is shared;
• ·The right to request access to the Personal Data Stripe processes about you (Learn More);
• ·The right to request that Stripe rectify or update your Personal Data if it's inaccurate, incomplete, or outdated;
• ·The right to request that Stripe erase your Personal 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 is considering another request you've submitted (for instance, a request that Stripe update your Personal Data);
• ·The right to request that we export the Personal Data we hold about you to another company, provided it's technically feasible;
• ·The right to withdraw your consent if your Personal Data is being processed based on your previous consent;
• ·The right to object to the processing of your Personal Data if we are processing your data based on our legitimate interests; unless there are compelling legitimate grounds or the processing is necessary for legal reasons, we will cease processing your Personal Data upon receiving your objection (Learn More);
• ·The right not to be discriminated against for exercising these rights; and
• ·The right to appeal any decision by Stripe relating to your rights by contacting Stripe's Data Protection Officer ("DPO") at dpo@stripe.com, and/or relevant regulatory agencies.

·You may have additional rights, depending on applicable law, over your Personal Data. See the Jurisdiction-specific provisions section below.

·c. Process for exercising your data protection rights

·To exercise your data protection rights related to Personal Data we process as a data controller, visit our Privacy Center or contact us as outlined below. For Personal Data we process as a data processor, please reach out to the relevant data controller (Business User) to exercise your rights. If you contact us regarding your Personal Data we process as a data processor, we will refer you to the relevant data controller to the extent we are able to identify them.

55. Security and Retention

·We make reasonable efforts to provide a level of security appropriate to the risk associated with the processing of your Personal Data. We maintain organizational, technical, and administrative measures designed to protect the Personal Data covered by this Policy from unauthorized access, destruction, loss, alteration, or misuse. Learn More. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure.

·We encourage you to assist us in protecting your Personal Data. If you hold a Stripe account, you can do so by using a strong password, safeguarding your password or API key against unauthorized use, and avoiding using identical login credentials you use for other services or accounts for your Stripe account. If you suspect that your interaction with us is no longer secure (for instance, you believe that your Stripe account's security has been compromised), please contact us immediately.

·We retain your Personal Data for as long as we continue to provide the Services to you or our Business Users, or for a period in which we reasonably foresee continuing to provide the Services. Even after we stop providing Services directly to you or to a Business User that you're doing business with, and even after you close your Stripe account or complete a transaction with a Business User, we may continue to retain your Personal Data to:

• ·Comply with our legal and regulatory obligations;
• ·Enable fraud monitoring, detection, and prevention activities; and
• ·Comply with our tax, accounting, and financial reporting obligations, including when such retention is required by our contractual agreements with our Financial Partners, and where data retention is mandated by the payment methods you've used.

·In cases where we keep your Personal Data, we do so in accordance with any limitation periods and record retention obligations imposed by applicable law. Learn More.

66. International Data Transfers

·As a global business, it's sometimes necessary for us to transfer your Personal Data to countries other than your own, including the United States and India. These countries might have data protection regulations that are different from those in 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. Learn More.

·If you are located in the European Economic Area ("EEA"), the United Kingdom ("UK"), or Switzerland, please refer to our Privacy Center for additional details. When a data transfer mechanism is mandated by applicable law, we employ one or more of the following:

• ·Transfers to certain countries or recipients that are recognized as having an adequate level of protection for Personal Data under applicable law.
• ·EU Standard Contractual Clauses approved by the European Commission and the UK International Data Transfer Addendum issued by the Information Commissioner's Office. You can obtain a copy of the relevant Standard Contractual Clauses. Learn More.
• ·Other lawful methods available to us under applicable law.

·Stripe, LLC complies with the EU-U.S. Data Privacy Framework ("EU-U.S. DPF"), the UK Extension to the EU-U.S. DPF, and the Swiss-U.S. Data Privacy Framework as set forth by the U.S. Department of Commerce and as applicable. You can learn and read Stripe's Data Privacy Framework Policy here.

·Stripe's privacy practices, as described in this Privacy Policy, comply with the Cross Border Privacy Rules System ("CBPR") and Privacy Rules for Processor ("PRP") systems. These systems provide a framework for organizations to ensure protection of personal data transferred among participating economies. Where CBPR and/or PRP are recognized as a valid transfer mechanism under applicable law, Stripe will transfer Personal Data in accordance with the CBPR and PRP certifications Stripe has obtained. More information about the framework can be found here and here. If you have unresolved privacy or data use concerns that we have not addressed satisfactorily, please contact our U.S. based third-party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request. To view the status of our certifications, please click here (CBPR) and here (PRP).

77. Updates and notifications

·We may change this Policy from time to time to reflect new services or changes in our privacy practices or relevant laws. The "Last updated" legend at the top of this Policy indicates when this Policy was last materially revised. Any changes are effective the latter of when we post the revised Policy on the Services or otherwise provide notice of the update as required by law.

·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 Representative, by contacting you through your Stripe Dashboard, email address and/or the physical address listed in your Stripe account.

88. Jurisdiction-specific provisions

• ·Australia. "Personal Data" includes "personal information" as defined under applicable privacy laws in Australia, including the Privacy Act 1988 (Cth) as amended from time to time.
• ·If we use personal information to make automated decisions that could reasonably be expected to significantly affect your rights or interests, we will provide the legally required information and transparency via our Privacy Center, and/or on a case by case basis.
• ·If you are an Australian resident and dissatisfied with our handling of any complaint you raise under this Policy, you may consider contacting the Office of the Australian Information Commissioner.
• ·Brazil. You may exercise your rights by contacting our DPO Adi Gilad at dpo@stripe.com. Brazilian residents, for whom the Lei Geral de Proteção de Dados Pessoais ("LGPD") applies, have rights set forth in Article 18 of the LGPD. If the LGPD is applicable to the processing of your Personal Data, you may have the right to:Where required, we have put in place appropriate safeguards for the cross-border transfer of Personal Data from Brazil, including the Brazilian Standard Contractual Clauses.
• ·Confirm the existence of the data processing;
• ·Access your Personal Data;
• ·Correct incomplete, inaccurate or outdated data;
• ·Anonymize, block, or delete data that is unnecessary, excessive or processed in violation of the LGPD;
• ·Transfer your data to another service or product provider;
• ·Delete data processed with your consent;
• ·Obtain information about the public or private entities with which Stripe has shared your Personal Data;
• ·Obtain information about how to and the consequences of refusing consent; and
• ·Withdraw consent.
• ·Canada. As used in this Policy, "applicable law" includes the Federal Personal Information Protection and Electronic Documents Act ("PIPEDA"), the Personal Information Protection Act, SBC 2003 c 63, in British Columbia, the Personal Information Protection Act, SA 2003 c P-6.5, in Alberta, and the Act Respecting the Protection of Personal Information in the Private Sector, CQLR c P-39-1 ("Quebec Private Sector Act"), in Quebec. Learn more. "Personal Data" includes "personal information" as defined under those laws.
• ·Stripe's Global Head of Privacy is the person in charge of personal information, including under the Quebec Private Sector Act. You may contact them via email at privacy@stripe.com. When Stripe collects Personal Data belonging to Canadian (including Quebec) residents, it transfers that data to data centers in the United States. When Stripe relies on service providers to process Personal Data as described herein, those service providers may also be located outside of Canada or Quebec.
• ·You have the right to request access or rectification of the Personal Data Stripe holds related to you or to withdraw any consent given to the processing of such personal data. You may exercise those rights by contacting Stripe's Global Head of Privacy at privacy@stripe.com. If you are an End Customer, you should contact the Business User with which you transacted to exercise your rights.
• ·EEA and UK. You may exercise your rights by contacting our DPO at dpo@stripe.com. If you are a resident of the EEA or the Stripe entity accountable for your Personal Data is otherwise subject to the GDPR, and you believe our processing of your information contradicts the GDPR, you may direct your questions or complaints to the Irish Data Protection Commission. If you are a resident of the UK, direct your questions or concerns to the UK Information Commissioner's Office. You also have additional rights under the EU-U.S. DPF and the UK Extension to the EU-U.S. DPF. Learn More.
• ·India. In this Policy, "applicable law" includes the Digital Personal Data Protection Act ("DPDPA") once the DPDPA enters into effect, and rules issued thereunder. Further, the term "data controller" includes "data fiduciaries," and the term "data subject" includes "data principal," both as defined in the DPDPA.
• ·Your acceptance of this Policy constitutes a clear affirmative action and signifies your agreement to Stripe's processing of your Personal Data for the purposes outlined in this Privacy Policy. If you do not agree with any part of this Policy, you should refrain from accessing or using our services.
• ·In some cases, and as permitted under the DPDPA, we may rely on "legitimate use" as a legal basis as permitted under Section 7 of the DPDPA. For example, we might do so for the following:
• ·When you voluntarily provide your Personal Data to us without indicating that you do not consent to its use, you will be deemed to have given your consent.
• ·For fulfilling any obligation under any law for the time being in force in India that requires Stripe to disclose information to the state or its instrumentalities, provided such processing complies with applicable provisions regarding disclosure under such law.
• ·For compliance with any judgment, decree, or order issued under any law in force in India or by any court or tribunal in India.
• ·Where we are required to obtain your explicit and informed consent, we will do so on a case by case basis. "Consent Managers" as defined under the DPDPA may submit a request to revoke or provide consent using the methods described in the Contact Us section below, or as set out in the following paragraph, or via other means made available by Stripe in the future. We may ask for proof of authorization and identity before processing such a request.
• ·In addition to other rights set forth in this Policy, you have the right to contact Stripe to obtain a summary of your personal data being processed and the related processing activities.
• ·You have the right to contact Stripe to nominate another individual, who may, in the event of your death or incapacity, exercise your rights under this Privacy Policy and under the DPDPA and implementing regulations.
• ·In certain cases, you may be asked to consent to the collection and processing of your Aadhaar number by our third-party verification partner(s), to the extent permitted under applicable law. The purpose of this collection is to facilitate the identification verification process as required under applicable laws. Your provision of Aadhaar details is purely voluntary, and you may provide other identification documents as may be accepted by us from time to time. You will not be denied service merely for not submitting Aadhaar details. The collection, use, processing and storage of your Aadhaar data will be in accordance with the terms and policies of such third-party verification partner(s).
• ·If you have any questions or complaints regarding the processing of your Personal Data in India, or if you want to receive this Policy or communicate with us about privacy in one of India's official languages, please contact our Nodal and Grievance Officer. Learn More. Alternatively, you may contact our DPO at dpo@stripe.com. We will endeavor to address your grievance within a reasonable period of time and, in any event, as soon as possible from the date of receipt of the complaint. If we are unable to address your complaint or grievance, you have the right to escalate the matter to the Data Protection Board of India.
• ·Stripe may transfer your Personal Data to third parties or service providers located outside your jurisdiction. We ensure that any such transfers comply with applicable laws. Where authorities restrict transfers to certain countries or territories, we will adhere to those restrictions and take appropriate measures.
• ·Indonesia. 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 from September 2024, Law No. 27 of 2022 concerning Personal Data Protection ("PDP Law"). If you have any questions or complaints about this Policy, please contact our DPO at dpo@stripe.com.
• ·Japan. In this Policy, "applicable law" includes the Act on the Protection of Personal Information ("APPI"). When we transfer Personal Data of data subjects in Japan to jurisdictions not recognized as 'adequate' by the Personal Information Protection Commission, we enter into written agreements with any third parties located outside of Japan. These written agreements provide rights and obligations equivalent to those provided under the Japanese Act on the Protection of Personal Information. For more information on how we ensure that third parties protect your data and where your data is located, please see above or contact us as described below. For a description of foreign systems and frameworks that may affect the implementation of equivalent measures by the third party, see here. In some cases, and as permitted under the APPI, we may rely on "public interest" as a legal basis, such as fraud detection and loss prevention.
• ·Malaysia. In this Policy, "applicable law" includes the Malaysian Personal Data Protection Act 2010 as amended from time to time. If you have any questions or complaints about this Policy, please contact our DPO at dpo@stripe.com.
• ·New Zealand. In this Policy, "applicable law" includes the New Zealand Privacy Act 2020 as amended from time to time. Our processing of biometric data via Stripe Identity complies with the Biometric Privacy Processing Code. When you use this service, we collect and use a photo of your ID and a selfie to verify your identity and prevent fraud. This biometric data is retained for one year. If you have concerns, you have the right to contact us or the New Zealand Privacy Commissioner. For more details on what data we collect, our specific purposes for collection, and alternative verification options, please see our full Privacy Policy, our Privacy Center, and Stripe Identity documentation.
• ·Singapore. In this Policy, "applicable law" includes the Personal Data Protection Act 2012 ("PDPA") (No. 26 of 2012) as amended from time to time. In some cases, and as permitted under the PDPA, we may rely on "deemed consent" as a legal basis. For example, we do so when you voluntarily provide your personal data to us. If you have any questions or complaints about this Policy, please contact our DPO at dpo@stripe.com.
• ·Switzerland. In this Policy, "applicable law" includes the Swiss Federal Act on Data Protection ("FADP"), as revised. To exercise your rights under the FADP, please contact our DPO at dpo@stripe.com. You may also have additional rights under the Swiss-U.S. Data Privacy Framework. Learn More.
• ·Thailand. In this Policy, "applicable law" includes the Personal Data Protection Act 2019 ("PDPA"). If we rely on certain legal bases (such as "legal obligation" or "contractual necessity") and you do not provide us with your Personal Data, we may not be able to lawfully provide you services. If you have any questions or complaints about this Policy, please contact our DPO at dpo@stripe.com. Where required, we have put in place appropriate safeguards for the cross-border transfer of Personal Data from Thailand, including the EU Standard Contractual Clauses as adapted for Thailand data transfers in accordance with the Notification of the Personal Data Protection Committee on Criteria for the Protection of Personal Data Sent or Transferred to a Foreign Country Pursuant to Section 29 of the Personal Data Protection Act, B.E. 2562 B.E. 2566 (2023).
• ·United States. If you are a consumer located in the United States ("US"), we process your personal information in accordance with US federal and state privacy laws. For additional details, please review the information below and see our additional U.S. Privacy Disclosures here. Stripe uses cookies, including advertising cookies, as described in our Cookie Policy.
• ·Your Rights and Choices. As a US consumer and subject to certain limitations under US privacy laws, you may have choices regarding our use and disclosure of your Personal Data. In addition to the above rights, you may also have the rights listed in this section. Please see our Privacy Center to learn more about data subject rights metrics and learn more about the laws under which these rights may apply.
• ·Exercising the right to know: You have a right to request additional information about the categories of personal information collected, sold, disclosed, or shared; purposes for which this personal information was collected, sold, or shared; categories of sources of personal information; and categories of third parties with whom we disclosed or shared this personal information.
• ·Exercising the right to opt-out from a sale or sharing: We do not transfer your personal data to third parties in exchange for payment. However, as noted above, we may provide the data to third party partners, such as advertising partners, analytics providers, and social networks, who assist us in advertising our products and Services to you. Because these third parties may use the data Stripe provides for their own purposes, Stripe's provision of data to these parties may be considered a data "sale" or "sharing" (for behavioral advertising) as those terms are defined under the CCPA and other applicable US privacy laws. You can opt out of targeted advertising and any related data "sales" or "sharing" (for behavioral advertising) here.
• ·Exercising the right to limit the use or sharing of Sensitive Personal Information: We do not sell or share (for behavioral advertising) Sensitive Personal Information as defined by US privacy laws and have not done so in the past 12 months. Learn more about our collection and use of Sensitive Personal Information over the last 12 months here.
• ·Profiling with legal or similarly significant effects: In the event that we engage in profiling or automated decision making for which applicable law entitles you to an opt out, we will provide you with notice of how to exercise that opt-out right.
• ·Appeal: If you wish to appeal any of our decisions regarding a rights request under US privacy laws, you may do so by contacting Stripe's Data Protection Officer ("DPO") at dpo@stripe.com.
• ·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. Please note that rights under some U.S. state laws do not apply to Personal Data we collect, process, and disclose when you act as a consumer to obtain financial products or services from Stripe for personal, family, or household purposes. The federal Gramm-Leach Bliley Act may govern how Stripe shares and protects that data instead. See our US Consumer Privacy Notice below for more information.
• ·We will verify your request by asking you to send it from the email address associated with your account or requiring you to provide information necessary to verify your identity, including name, address, transaction history, photo identification, and other information associated with your account.
• ·You may designate, in writing or through a power of attorney, an authorized agent to make requests on your behalf to exercise your rights under the CCPA and other applicable US privacy laws. Your 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 directly verify your identity and confirm that you gave the authorized agent permission to submit the request.
• ·Global Privacy Control signals. Stripe honors the Global Privacy Control (GPC) opt-out preference signals. Learn More.

99. Contact us

·If you have any questions or complaints about this Policy, please contact us. If you are an End Customer (i.e., an individual doing business or transacting with a Business User), please refer to the privacy policy or notice of the Business User for information regarding the Business User's privacy practices, choices and controls, or contact the Business User directly.

1010. US Consumer Privacy Notice

·The following Consumer Privacy Notice applies to you if you are an individual who resides in the United States and obtains financial services from Stripe primarily for your own personal, family, or household purposes. Last updated: April 28, 2026

·For additional information about our privacy practices, please visit the Stripe Privacy Center.