Arcot's Terms of Service
Verified 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.
by Visa provides its service to you, subject to the following Terms of
Service ("TOS") and the Cardholder Agreement governing the card transactions
for which Verified by Visa is used. The TOS may be updated by us from
time to time without notice to you. Use of the service constitutes your
acceptance of the terms. You shall be subject to any guidelines or rules
applicable to Verified by Visa that may be posted from time to time
at this location.
agree that creation of a Verified by Visa account password, and/or
use of Verified by Visa, will represent your acceptance of this TOS
and that continued use of Verified by Visa after revisions to this
TOS shall constitute your agreement to such revised terms and any applicable
posted guidelines or rules.
explicitly stated otherwise, any new features that augment, enhance or
otherwise change Verified by Visa shall be subject to this TOS.
Issuer reserves the right at any time and from time to time to modify or
discontinue, temporarily or permanently, Verified by Visa (or any
part thereof) with or without notice.
OF Verified by Visa
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.
true, accurate, current and complete information about yourself as prompted
by Verified by Visa's registration form ("Registration Data");
and promptly update the Registration Data to keep it true, accurate, current
and complete. If you provide any Registration Data that is untrue,
inaccurate, not current or incomplete, or if we have reasonable grounds to
suspect that your Registration Data is untrue, inaccurate, not current or
incomplete, we have the right to suspend, terminate, or refuse your current
or future use of Verified by Visa or your card account.
order to use Verified by Visa, you must provide certain information
to us that allows us to validate your identity and verify that you are the
owner of or an authorized user of the specified credit card(s) or debit
card(s). The information that you provide may be validated against
information we already have on file that is associated with you, your credit
card(s) or debit card(s), information we receive from one or more third
parties, or information maintained by a third party.
you are unable to provide adequate information for us to validate your
identity, we have the right to not allow you to register for Verified by
Visa. You warrant that the information is correct and that you have the
legal right to use all of the credit cards and debit cards that you register
for Verified by Visa.
you do not successfully register for Verified by Visa, the merchant
may not accept your Visa credit card or debit card in payment for an
e-commerce or other transaction subject to Verified by
order to use Verified by Visa, you must have the ability to access
the World Wide Web and must pay any service fees associated with such
access. In addition, you must have the equipment necessary to make such a
connection to the World Wide Web, including a computer and modem or other
the event you have a question regarding the Verified by Visa
registration process or a transaction using Verified by Visa, you
should direct that question to our customer service department.
registration in Verified by Visa, you may be asked to select or may
be provided a password. When engaging in an online transaction or other
transaction for which Verified by Visa is used, you may be asked for
your Verified by Visa password before the merchant accepts your Visa
card in payment for the transaction. If you are unable to provide your
Verified by Visa password, or if the authentication through
Verified by Visa otherwise fails, the merchant may not accept your
Visa credit card or debit card in payment for that transaction.
registering in Verified by Visa, you assent to the use of Verified
by Visa to evidence your identity, including for purposes of
authorization of transactions authorized in advance to recur at
substantially regular intervals.
stores your Registration Data. Your Registration Data will not be shared
with online retail merchants or merchants in other transactions for which
Verified by Visa is used.
acknowledge and agree that Verified by Visa may keep your
Registration Data and also may disclose your Registration Data if required
to do so by Applicable Law, as defined in Section 8(a)(ix), in the good
faith belief that such preservation or disclosure is permitted by Applicable
Law, or as reasonably necessary to (i) comply with legal process or (ii)
enforce this TOS.
Data and all personally identifying information about you is subject to our
PASSWORD AND SECURITY
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
agree not to:
any person or entity using Verified by Visa;
post, email or otherwise transmit any material that contains software
viruses or any other computer code, files or programs designed to
interrupt, destroy or limit the functionality of any computer software or
hardware or telecommunications equipment used by Verified by
or flood the Verified by Visa Website or service;
adapt, sub-license, translate, sell, reverse engineer, decompile or
disassemble any portion of the Verified by Visa Website or service
or the software used in connection with Verified by
any copyright, trademark, or other proprietary rights notices contained in
Verified by Visa;
or "mirror" any part of the Verified by Visa Website or service
without Visa's prior written authorization;
any robot, spider, site search/retrieval application, or other manual or
automatic device or process to retrieve, index, "data mine," or in any way
reproduce or circumvent the navigational structure or presentation of the
Verified by Visa Website or service or its contents;
interfere with, or disrupt, Verified by Visa or servers or networks
connected to Verified by Visa, or violate this TOS or any
requirements, procedures, policies or regulations of Verified by
Visa or of any networks connected to Verified by Visa;
or unintentionally violate any applicable local, state, national or
international statute, regulation, regulatory guideline or judicial or
administrative interpretation, or any rule or requirement established by
Visa (all of which shall constitute "Applicable Law") in connection with
your use of Verified by Visa.
agree that we shall not be liable to you or to any third party for any
modification, suspension or discontinuance of Verified by Visa. We
will pay any direct out-of-pocket expenses that you may incur due to:
or intentional misconduct by us, our employees or agents;
attack by others on the systems we use to provide Verified by Visa;
error in, or failure of, Verified by Visa.
no circumstances will we be liable for consequential, incidental, special or
indirect losses or other damages, such as any damage to your computer or
telephone service resulting from your use of Verified by
assume no responsibility for, and will not be liable for, any damages to, or
any viruses which may affect, your computer equipment or other property on
account of your access to, use of, or downloading from, this Web site.
you want to end your ability to use Verified by Visa, you must
contact us so that your password and Registration Data with Verified by
Visa can be deactivated. Any purchases you made using Verified by
Visa prior to deactivation will not be affected.
may temporarily or permanently deactivate your ability to use Verified by
Visa and terminate your relationship with us at any time, with or
without fault on your part. For your protection, we will automatically
deactivate your ability to use Verified by Visa if it is not used at
least one time during any twelve (12) month period. If we deactivate your
ability to use Verified by Visa, we will promptly give you notice.
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
expressly understand and agree that any software obtained through the use of
Verified by Visa is downloaded and used at your own discretion and
risk and that except as otherwise provided in this TOS Agreement, you will
be solely responsible for any damage to your computer system or loss of data
that results from the download or use of any such software or other
materials through Verified by Visa.
AS OTHERWISE REQUIRED BY ANY APPLICABLE STATE LAW, MAKES NO REPRESENTATIONS
OR WARRANTIES ABOUT VERIFIED BY VISA OF ANY KIND, EXPRESS OR IMPLIED,
INCLUDING ANY WARRANTIES AS TO MERCHANTABILITY OR FITNESS FOR A PARTICULAR
PURPOSE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES,
SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
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