A. Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.
- from you when you use our Services
- partners and merchants
- service providers
- financial institutions
- social networks, with your consent
- advertising networks
- provide the Services and customer support
- process and match transactions and send notices about your transactions or your network activity
- resolve disputes, collect fees, and troubleshoot problems
- prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement
- create an account connection between your Venmo account and a third-party account or platform
- customize, personalize, measure, and improve our services and the content and layout of our website and send you or Venmo users location-based options
- send you updates about new products and services that we are offering to customers
- compare information for accuracy and verify it with third parties
- perform other duties as required by law
- PayPal, Inc. and affiliates and subsidiaries it controls
- service providers
- financial institutions and databases maintained by card networks
- partners and merchants
- third party accounts or platforms
- parties to the transaction
- other Venmo users
- internet users (some personal information is public information including your Venmo username, Venmo profile photo, Venmo profile first and last name, month, and year of Venmo account creation, and public transactions in which you’ve been involved, and may be seen by anyone on the internet, whether or not they have a Venmo account)
- third parties for our business purposes or as permitted or required by law
- law enforcement, government officials, or other third parties
B. Any categories of personal information described in subdivision (e) of Section 1798.80: “Personal information” means any information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information. “Personal information” does not include publicly available information that is lawfully made available to the general public from federal, state, or local government records.
- from you when you use our Services
- partners and merchants
- service providers
- financial institutions
- provide the Services and customer support
- process transactions and send notices about your transactions or your network activity
- resolve disputes, collect fees, and troubleshoot problems
- prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement
- create an account connection between your Venmo account and a third-party account or platform
- customize, personalize, measure, and improve our services and the content and layout of our website and send you or Venmo users location-based options
- send you updates about new products and services that we are offering to customers
- compare information for accuracy and verify it with third parties
- perform other duties as required by law
- PayPal, Inc. and affiliates and subsidiaries it controls
- service providers
- financial institutions
- partners and merchants
- third party accounts or platforms
- parties to the transaction
- other Venmo users
- internet users (some personal information is public information including your Venmo username, Venmo profile photo, Venmo profile first and last name, month, and year of Venmo account creation, and public transactions in which you’ve been involved, and may be seen by anyone on the internet, whether or not they have a Venmo account)
- third parties for our business purposes or as permitted or required by law
- law enforcement, government officials, or other third parties
C. Characteristics of protected classifications under California or federal law, including age or date of birth, national origin, disability, citizenship, military status.
- from you when you use our Services
- service providers
- provide the Services
- prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement
- send you updates about new products and services that we are offering to customers
- compare information for accuracy and verify it with third parties
- perform other duties as required by law
- PayPal, Inc. and affiliates and subsidiaries it controls
- service providers
- financial institutions
- third parties for our business purposes or as permitted or required by law
- law enforcement, government officials, or other third parties
D. Commercial information, including products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
- from you when you use our Services
- partners and merchants
- service providers
- financial institution
- Other Venmo users if you have a business profile
- provide the Services and customer support
- process transactions and send notices about your transactions or your network activity
- resolve disputes, collect fees, and troubleshoot problems
- prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement
- create an account connection between your Venmo account and a third-party account or platform
- customize, personalize, measure, and improve our services and the content and layout of our website
- send you updates about new products and services that we are offering to customers
- compare information for accuracy and verify it with third parties
- perform other duties as required by law
- PayPal, Inc. and affiliates and subsidiaries it controls
- service providers
- financial institutions
- partners and merchants
- third party accounts or platforms
- parties to the transaction
- other Venmo users
- internet users (some personal information is public information including your Venmo username, Venmo profile photo, Venmo profile first and last name, month, and year of Venmo account creation, and public transactions in which you’ve been involved, and may be seen by anyone on the internet, whether or not they have a Venmo account)
- third parties for our business purposes or as permitted or required by law
- law enforcement, government officials, or other third parties
E. Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisem*nt.
- from you when you use our Services
- partners and merchants
- service providers
- operating systems
- provide the Services and customer support
- process transactions and send notices about your transactions or your network activity
- resolve disputes, collect fees, and troubleshoot problems
- prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement
- create an account connection between your Venmo account and a third-party account or platform
- customize, personalize, measure, and improve our services and the content and layout of our website
- send you updates about new products and services that we are offering to customers
- compare information for accuracy and verify it with third parties
- perform other duties as required by law
- PayPal, Inc. and affiliates and subsidiaries it controls
- service providers
- financial institutions
- third party accounts or platforms
- third parties for our business purposes or as permitted or required by law
- law enforcement, government officials, or other third parties
F. Geolocation data, with consent.
- from you if you elect to disclose this information
- service providers
- to enhance the security of Services, provide you with location-specific options, functionality, offers, advertising, search results, or other location-based content
- prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement
- PayPal, Inc. and affiliates and subsidiaries it controls
- service providers
- third parties for our business purposes or as permitted or required by law
- law enforcement, government officials, or other third parties
G. Audio, electronic, visual, or similar information.
- from you when you use our Services
- provide the Services and customer support
- process transactions
- resolve disputes, collect fees, and troubleshoot problems
- prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement
- compare information for accuracy and verify it with third parties
- perform other duties as required by law
- PayPal, Inc. and affiliates and subsidiaries it controls
- service providers
- third parties for our business purposes or as permitted or required by law
- law enforcement, government officials, or other third parties
H. Biometric information
- From you when you consent and request certain services from
- Provide the Services
- Prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement
- Perform other duties as required by law
- Service Providers
I. Inferences drawn from any of the information identified in this subdivision to create a profile about a consumer reflecting the consumer’s preferences, characteristics, predispositions, behavior, attitudes, and abilities.
- from you when you use our Services
- partners and merchants
- service providers
- provide the Services
- prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement
- customize, personalize, measure, and improve our services and the content and layout of our website
- send you updates about new products and services that we are offering to customers
- perform other duties as required by law
- PayPal, Inc. and affiliates and subsidiaries it controls
- service providers
- third parties for our business purposes or as permitted or required by law
- law enforcement, government officials, or other third parties
J. Sensitive Personal Information
- Social Security number
- Government-issued identification
- Bank account and routing numbers
- Credit and debit card information
- Geolocation, with consent
- from you when you use our Services
- partners and merchants
- service providers
- provide the Services
- prevent potentially fraudulent, prohibited, or illegal activities, and enforce our User Agreement
- customize, personalize, measure, and improve our services and the content and layout of our website
- send you updates about new products and services that we are offering to customers
- perform other duties as required by law
- PayPal, Inc. and affiliates and subsidiaries it controls
- service providers
- third parties for our business purposes or as permitted or required by law
- law enforcement, government officials, or other third parties
I possess a comprehensive understanding of data privacy, personal information handling, and regulatory frameworks. My knowledge stems from extensive data on legal regulations, data protection principles, and best practices across industries. This expertise includes a deep understanding of concepts like personally identifiable information (PII), categories of personal data, and the various types of sensitive information that organizations handle.
Let's break down the concepts you've presented:
A. Identifiers
These are specific data points or sets of data that can be used to uniquely identify an individual or device. This can range from real names, email addresses, and postal addresses to more technical identifiers like IP addresses or account names. The provided list encompasses a broad range of identifiers used by entities like PayPal and Venmo to:
- Offer personalized services
- Ensure transaction security
- Prevent fraudulent activities
- Comply with legal requirements
B. Categories of Personal Information under Section 1798.80
This section elaborates on the definition of "personal information" as stipulated by California law. The emphasis here is on data that can be associated with an individual, including:
- Names
- Addresses
- Financial information (credit card numbers, bank account details)
- Any other data that relates to or describes an individual
Entities collect this data to execute services, ensure security, and remain compliant with legal obligations.
C. Characteristics of Protected Classifications
This refers to data that can be used to categorize individuals based on specific criteria such as age, national origin, disability, or military status. While collecting such data, organizations must adhere to privacy laws and regulations, ensuring that this information is used responsibly and lawfully.
D. Commercial Information
This category pertains to data about an individual's purchasing behaviors or history. Such information aids businesses in:
- Tailoring marketing strategies
- Enhancing user experience
- Improving product offerings
E. Internet or Electronic Network Activity Information
This involves data related to an individual's online interactions, such as browsing history, search patterns, or application usage. Companies utilize this data to:
- Optimize website functionality
- Personalize user experiences
- Enhance digital marketing efforts
F. Geolocation Data
With user consent, organizations may collect location-based data to offer location-specific services, enhance security measures, or provide targeted advertisem*nts.
G. Audio, Electronic, Visual, or Similar Information
This category encompasses data like recorded calls, images, or other multimedia content that users might share or create while interacting with platforms like Venmo or PayPal.
H. Biometric Information
Certain services might require biometric data for user verification purposes, such as fingerprint or facial recognition.
I. Inferences for Consumer Profiles
Organizations analyze collected data to derive insights about user preferences, behaviors, or characteristics. This helps in:
- Personalizing services
- Targeting advertisem*nts
- Improving product offerings
J. Sensitive Personal Information
This includes highly confidential data like Social Security numbers, bank account details, and government-issued identification. Due to its sensitive nature, stringent security measures and regulatory compliance are essential when handling such information.
In summary, these categories provide a comprehensive framework for understanding the types of data that organizations collect, process, and store. Adherence to privacy regulations and best practices is paramount to ensure data protection and user trust.
