[{'role': 'user', 'content': 'Analyze the following clause from a privacy policy and determine if it\'s fair or unfair. Also identify any privacy practices mentioned: When you make an NFC payment, Microsoft Wallet will provide the merchant with an encrypted version of your payment card (a "token"). The merchant will present this token, along with transaction details, to your bank to complete the transaction and request payment for your transaction.'}, {'role': 'assistant', 'content': 'This clause is fair. The privacy practices mentioned are: nan.'}]