of ServiceVerified by Visa
and thank you for choosing to use the Verified by Visa authentication
service ("Verified by Visa"). Please read this Terms of Service Agreement
carefully before using Verified by Visa. In this Agreement, "Issuer"
refers to the financial institution that issued your Credit or Debit Card; "we,"
"us," and "our" refer to Issuer and its suppliers of card processing and
web-hosting services; and "you," "your," or "yours" refers to the user of
Verified by Visa.
Terms of Service Agreement supplements and is incorporated in Issuer's
cardholder agreement(s) with you ("Cardholder Agreement"). In addition to this
Terms of Service Agreement, Verified by Visa also is subject to the
Cardholder Agreement governing the card transactions for which Verified by
Visa is used.
the event of any conflict between this Verified by Visa Terms of Service
document and the Issuer's Credit Card Agreement and Disclosure or Membership
Agreement, the Issuer's Credit Card Agreement and Disclosure and Membership
Agreement shall control.
provides you with a way of increasing security in online and other transactions
for which Verified by Visa is used by reducing the chances of fraud for
those transactions. Registering for Verified by Visa involves providing
personal information to us, which is then used to confirm your identity in
connection with future online transactions or other transactions for which
Verified by Visa is used, as discussed in more detail in Section 5 below.
Verified by Visa also may be used for record keeping and reporting
purposes, as well as to help resolve any transaction disputes. Your Registration
Data, as defined in Section 3, and other personal information is not shared with
the merchant, as discussed in more detail in Section 7 below.
are solely responsible for maintaining the confidentiality of your password,
Registration Data and other verification information established by you with
Verified by Visa, and all activities that occur using your password,
Registration Data or other verification information supplied to or established
by you with Verified by Visa. You agree not to transfer or sell your use
of, or access to, Verified by Visa to any third party. You agree to immediately notify us, as
we require in our cardholder agreement with you for a lost or stolen card, of
any unauthorized use of your password or other verification information, or any
other breach of security. You acknowledge and agree that, except as otherwise
provided by Applicable Law or in our cardholder agreement with you, shall not be
liable for any loss or damage arising from your failure to comply with this
correspondence or business dealings with, or participation in promotions of,
online retail or other merchants on or through Verified by Visa,
including payment and delivery of related goods or services, and any other
terms, conditions, warranties or representations associated with such dealings,
are solely between you and such merchant. You agree that, except as otherwise
provided by Applicable Law or in our cardholder agreement with you, your card
Issuer shall not be responsible or liable for any loss or damage of any sort
incurred as the result of any such dealings. You understand that use of
Verified by Visa does not, in any way, indicate that we recommend or
endorse any merchant, regardless of whether the merchant participates in
Verified by Visa. For example, Verified by Visa does not verify
the identity of the merchant or the quality of the merchant's goods or
to you may be made via either email or regular mail to any address in your
Registration Data or other information that you have provided to us in
connection with any of your accounts with us, or your credit cards or debit
cards issued or otherwise provided by us.
represent that you are of sufficient legal age to use Verified by Visa
and to create binding legal obligations for any liability you may incur as a
result of the use of Verified by Visa. Except as otherwise provided by
Applicable Law or in our cardholder agreement with you, you understand that you
are financially responsible for all uses of Verified by Visa by you and
those authorized by you to use your Registration Data, your password or other