Legal / Terms and Conditions

Visa Online legal information
Visa Inc., including its subsidiaries and affiliates ("Visa"), maintains or arranges for the maintenance of Visa Online (the "Site") as a service to our members and prospective clients. The information and materials provided through the Site, including any data, text, graphics, images, audio and video clips, logos, icons, software, form documents, client applications, and links (collectively, the "Materials"), are intended to educate and assist our members and prospective clients. Any person (including any authorized automation initiated by a person) who accesses the Site or the Materials (a “User”), must abide by the following terms, as amended from time to time by Visa (the "Terms"), and all applicable laws and regulations. It is each User’s responsibility to periodically review the Terms for updates. Updates will take effect automatically seven (7) days after posting. Each User’s use of the Site or Materials following any updates constitutes agreement to the modified Terms. Visa reserves the right, without notice and for any reason, to remove any Materials from the Site, and to deny any User access to the Site and to terminate this agreement in part or in whole. Visa may terminate a User’s access to the Site if the User has not logged onto the Site for at least six (6) months.
Passwords
The Site may be accessed only from the personal computer/browser that has been granted a Global Visa Online Digital Certificate by use of a unique user identification and password. Passwords must be not obvious, they must be hard to guess, confidential and changed on a regular basis. You are solely responsible for maintaining the confidentiality of your user identification and password and for all activities that occur under such user identification and password. You must log out at the end of each session on the Site. You agree to immediately notify Visa of any unauthorized use of your user identification and password. Visa shall not be responsible or liable, directly or indirectly, for any loss or damage incurred as a result of your failure to comply with this section. Your user identification and password and/or your permission to use the Site may be cancelled or suspended, in Visa's sole discretion at any time without notice, without liability to you or any other person.
Downloading and Use
Unless otherwise specified on the Site, you may download Material displayed on the Site, and may use the downloaded Materials, solely for your internal business needs in support of your Visa programs. You may print copies of or share internally within your company links to any textual Material available for downloading on the Site, and may execute a single copy of any software available for downloading on the Site ("Software"). You must retain all copyright and other proprietary notices on downloaded and copied Materials, and any such downloads or copies are subject to the terms and conditions of these Terms. Further, the Materials remain the property of Visa or its licensors or suppliers. Use or downloading of the Software and other Materials is conditioned on acceptance of the terms and conditions of any license agreements relating to such Software or other Materials, including agreements of third parties. By acquiring or using the Materials, you agree to such terms and conditions. You may not download, copy, or use any of the Materials except as expressly authorized by these Terms and, in any event, you may not distribute, modify, transmit, or publicly display the Materials without the written consent of Visa. Access to this Site and distribution of the Materials may be prohibited or restricted in certain countries or jurisdictions and it is your responsibility to find out if there are any such restrictions in your jurisdiction and to obey them. You may not upload, post, email, transmit or otherwise make available any material that contains viruses, Trojan horses, worms, time bombs or any other similar software or programs that may interrupt, destroy or damage the operation of another's computer or property. You may not upload, post, email transmit or otherwise make available comments, communications or other data of any kind to or on the Site with the intention that they may be viewed by other users of the Site, except as approved by Visa. You may not falsify or delete author attributions, legal or other notices contained in the Site or the Materials.
Copyrights and Trademarks
Unless otherwise noted, the Materials and any intellectual property and other rights relating thereto are and will remain the property of Visa and its licensors and suppliers. The Materials and the selection, compilation, collection, arrangement, and assembly thereof are protected by worldwide copyright, trademark, and other laws, and you acknowledge that these rights are valid and enforceable. The Materials may be used solely to the extent necessary for your authorized use of the Site, as provided in the Terms or as expressly authorized in writing by Visa.

The trademarks, logos, and service marks displayed on the Site (collectively the "Trademarks") are the registered and unregistered trademarks of Visa, Visa's licensors and suppliers, and others. All products or names of other companies that are used herein are used nominatively for identification purposes only and may be the trademarks and/or service marks of such other companies.

The Trademarks owned by Visa, whether registered or unregistered, may not be used in connection with any product or service that is not Visa's, in any manner that is likely to cause confusion with customers, or in any manner that disparages Visa. Nothing contained on the Site or within the Materials should be construed as granting by implication, estoppel or otherwise, any license or right to use any Trademark without the express written permission of Visa, Visa's licensors or suppliers, or the third-party owner of any such Trademark.
Confidentiality
The Site includes Materials that are confidential to Visa and its licensors and suppliers. You should assume that the Materials are confidential and proprietary unless otherwise indicated on the Site or apparent from the nature of such Materials (for example, publicly available forms or documents). You agree to maintain such Materials in strict confidence, to only share Materials with other employees who have a need to know for the purpose of supporting Visa’s or Visa’s customer’s business, to use such Materials only as provided hereunder, and not to disclose such Materials to third parties. You agree to store and handle the Materials in such a way as to prevent unauthorized disclosure, to take reasonable measures to protect the Materials and treat them with the same degree of care with which you treat your own and your employer’s proprietary information, and, in no event, use less than reasonable care. This obligation will not apply to Materials that Visa has made generally available to the public.
Submissions
Any communication or Material you send to the Site, electronically or otherwise, including but not limited to data, questions, comments, suggestions, or submissions (collectively, "Submissions"), is and will be treated as non-confidential and non-proprietary. By making a Submission to Visa on the Site, you agree to hereby grant to Visa and any party authorized by Visa a non-exclusive, worldwide, perpetual, irrevocable, assignable, and transferable license to reproduce, distribute, perform or display (publicly or otherwise), create derivative works from, and otherwise use and exploit the Submissions (and to authorize others to do the same), in whole or in part and as may be edited or modified by Visa or any party authorized by Visa, for any purpose whatsoever, commercial or otherwise, in any form or media now existing or hereafter devised, without obligation of any kind. You also agree not to make any Submissions that violate or infringe in any way upon the rights of others (including, without limitation, any copyright, trademark, or other intellectual property right) or that are otherwise unlawful. You will be solely liable for (and will indemnify and hold harmless Visa and any party authorized by Visa from) any damages arising from and relating to the Submissions or the use thereof, in whole or in part, by Visa or any party authorized by Visa.

By using the Site, you may submit, or Visa may gather, certain limited information about you and your usage of the Site. Subject to the terms of the Privacy Notice, Visa is free to use and disclose such information (and authorize others to do the same) for any purpose it deems appropriate. The foregoing does not apply to personal non-public data relating to your cardholders, which is governed by the privacy policy expressed in the Visa Rules.
Information Provided by Visa
Although Visa strives to provide Materials that are both useful and accurate, laws, regulations, data, and other information change frequently and are subject to varying interpretations. In addition, the facts and circumstances of every situation differ. Accordingly, although Visa endeavors to use reasonable care in assembling the Materials, the Materials may not be up-to-date, accurate, or complete. Additional portions of the Materials have been contributed to the Site by various industry specialists and service providers. The inclusion of such information does not indicate any approval or endorsement of such providers, and Visa expressly disclaims any liability with respect to the foregoing.
Links
The Site contains links to other Internet Web sites, including affiliated Web sites which may or may not be owned or operated by Visa. Visa has not reviewed all of the Web sites which are linked to the Site, and Visa has no control over such sites. Unless otherwise explicitly stated, Visa is not responsible for the content of such Web sites, any updates or changes to such sites, or the privacy or other practices of such sites, and the fact that Visa offers such links does not indicate any approval or endorsement of any material contained on any linked site. Visa is providing these links to you only as a convenience. Accordingly, we strongly encourage you to become familiar with the terms of use and practices of any linked site. Further, it is up to you to take precautions to ensure that whatever links you select or software you download (whether from the Site or other sites) is free of such items as viruses, worms, Trojan horses, defects, date bombs, time bombs, and other items of a destructive nature.
No Legal or Other Professional Advice
Visa hopes and believes that the Materials will be helpful as background reference, but they should not be construed as legal, accounting, or other professional advice on any subject matter. Visa has endeavored to comply with legal and ethical requirements known to the Visa personnel who compiled this Site, but Visa is not engaged in rendering legal, accounting, or other professional services, and availability or use of the Materials is not intended to create, and does not create, any attorney-client, accounting-client, or other professional services relationship. Use of the Materials is not an adequate substitute for obtaining legal, accounting, or other professional advice from a professional licensed in your jurisdiction. You agree you will not act or refrain from acting based on any of the Materials without first seeking the services of a competent professional.
No Warranties
Neither Visa nor any of its licensors or suppliers makes any representations or warranties, either express or implied, of any kind with respect to the Site, the Materials, any linked Web site, or any other content or information available on or through the Site. All Materials, links, and other content and information available on or through the Site are provided "AS IS" with no warranty. Visa assumes no liability or responsibility for any errors or omissions in the Materials or in any content on the Site. You agree that use of the Site and/or all Materials, links, and other content and information available on or through the Site is at your sole risk. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, VISA AND ITS LICENSORS AND SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, WITH RESPECT TO THE SITE, THE MATERIALS, ANY LINKED WEB SITE OR ANY OTHER CONTENT OR INFORMATION AVAILABLE ON OR THROUGH THE SITE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
Limitation on Liability
To the fullest extent permissible under applicable law, neither Visa nor any of its licensors or suppliers, nor its or their directors, officers, employees, consultants, agents, or other representatives ("Service Providers") will be liable for any damage, loss, or expense of any kind arising from or relating to your access to or use of the Site, the Materials, any linked Web site, or any other content or information available on or through the Site, regardless of whether such liability is based in tort, contract, or otherwise. In no event will Visa, any of its licensors or suppliers, or any of its or their Service Providers be liable to any party for any indirect, special, or consequential damages arising from or relating to use of or access to the Site, the Materials, any linked Web site, or any other content or information available on or through the Site, including, without limitation, any damages for loss of profits, business interruption, loss of programs or other data, loss of goodwill, work stoppage, computer failure or malfunction, or otherwise, even if Visa or any of its licensors or suppliers is expressly advised of the possibility of such damages. For example, Visa assumes no responsibility for, and will not be liable for any damages arising from any viruses that may affect your computer equipment or other property resulting from your access to, use of, or downloading from, the Site.
Miscellaneous

Export Administration
You agree to comply fully with all relevant export laws and regulations, including but not limited to the laws and regulations of the United States and other countries ("Export Laws"), to assure that neither the Materials nor any direct product thereof are (1) exported, directly or indirectly, in violation of Export Laws; or (2) are used for any purposes prohibited by the Export Laws.
Governing Law
These Terms and the relationship between you and Visa, including, without limitation, your use of or access to the Site, the Materials, any linked Web site, or any other content or information available on or through the Site, are to be construed in accordance with and governed by the internal laws of the State of California without giving effect to any choice of law rule that would cause the application of the laws of any jurisdiction other than the internal laws of the State of California to the rights and duties of the parties. Each party hereby submits to the exclusive jurisdiction of the state and federal courts in San Francisco County, California, and waives any jurisdictional, venue, or inconvenient forum objections to such courts.
Disclosures
The Site is operated by Visa Inc., located at P.O. Box 194607, San Francisco, California 94105-1551, and all access to and use of the Site, the Materials, or any other content or information available on or through the Site shall be deemed to occur in San Francisco, California.
Visa Rules
Nothing in this Agreement will limit or supersede any Visa Rules or Visa Charter Documents, all of which continue to govern the relationship between you and Visa/Visa Online. In the event of any apparent conflict between the terms of these Terms and the Visa Rules, the Visa Rules will govern. In particular, you and the member customer indemnify us and our officers, employees, agents and related corporate bodies from and against all actions, claims, suits, demands, damages, liabilities, costs or expenses arising out of or in any way connected to the use of the Site by you or someone using your user identification.
Privacy
Please read the Privacy Notice. If you have any questions, comments, criticisms, or complaints about Visa or this site, please email us. You must abide by all applicable data protection and privacy laws, regulations and codes of practice.
No Waiver
Any failure by Visa to enforce any of its rights hereunder or under applicable laws shall not constitute a waiver of such right. If any provision hereunder is found by a court of competent jurisdiction to be invalid, you, Visa, and the court shall endeavor to give effect to the intent reflected in that provision, and the remaining provisions shall retain their full force and effect.
Services, Instructions
Some of the services listed on this Site are made available by Visa subject to applicable terms and conditions and eligibility for all such services are subject to you agreeing to such terms and conditions (of which Visa will inform you) and to final written acceptance by Visa of your application for such services. All services are available at the sole discretion of Visa and those services (together with the terms and conditions on which they are offered) and all other material information available through the Site are subject to amendment or withdrawal at any time.

Visa reserves the right at all times to rely and act on any written, oral, telephone, card, e-mail or computer generated or other instruction in respect of the Site which bears your correct signature or user identification, or other applicable personal identification or code.

For clients utilizing robotic process automation to access the Site and its services, the following additional conditions apply:
  • Visa will not provide any special notification to clients using robotic process automation before making updates or changes to the user interface of the Site or the user interface of services accessed through the Site. The client accepts sole responsibility for updating and maintaining its robotic scripts to ensure that they continue to work with the Site and its services.
  • Visa reserves the right to immediately suspend a client’s access to the Site or services if Visa determines in its sole discretion that robotic access of the Site or services accessed via the Site is adversely affecting the Site or services.
  • Visa reserves the right to modify or rescind its approach or requirements for allowing robotic access to the Site or services accessed via the Site at any time. Clients using robotic process automation will be responsible for promptly complying with all such changes.
Electronic Submissions
Use of Electronic Signature. Qualifying forms and requests may be submitted through the Site. You agree and acknowledge that a request submitted by you in accordance with the requirements on the Site constitutes an electronic signature and is considered binding with the same force and authority as a handwritten signature, subject only to applicable conditions and restrictions set out in throughout the Site.

Electronic Signature Applicability. Unless instructed otherwise, you may submit electronically all qualifying documentation that is available on the Site, if the Electronic Signature Criteria (set forth below) are satisfied, and subject to availability of the tool via the Site and the applicable terms and restrictions set out on the Site.

Electronic Signature Enforceability. By electronically submitting documentation via the Site, you attest that the submitted documentation meets the specified requirements and agree that the submitted documentation constitutes a binding commitment with the same legal force and effect as a handwritten signature.

Electronic Signature Criteria. To be valid, an electronic signature associated with documentation submitted through the Site must meet the following criteria:
  • Be submitted via the Site
  • Be submitted and validated on the basis of user identification and authenticated in accordance with the procedures established by Visa
  • Be authorized by our member customer, or you must provide evidence of the member customer's authorized user's intent to evidence a binding commitment via the authorized user's acceptance of the click-through notice provided on the Site


In addition, you, our member customer, or your designated agent must maintain reasonable safeguards and security controls to limit access to authorized personnel.

Notices
Any notice to you or to the member customer is deemed to have been so given if notified to you via the Site, addressed to the member customer at its address, facsimile, telephone or e-mail address specified on your registration form or profile, to such address, facsimile, telephone or e-mail address as may be notified to Visa in writing or by telephone or by e-mail appearing in Visa's records as your last known address, facsimile, telephone or e-mail address. Any notice to visa either in writing or via the Site is deemed to have been received upon actual confirmed receipt thereof by Visa.
Language
The parties hereto hereby acknowledge that they have required these terms to be drawn up in the English language.