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Verified by Visa Terms and Conditions of Use
 
Please read these Terms & Conditions carefully before using this site for online transactions.
 
 
Terms of Use

Terms of Use

 

Welcome and thank you for choosing to use Verified by Visa. This Terms of Use Agreement supplements Development Credit Bank Limited's ("DCB") Cardholder Agreement(s)/Terms and Conditions with you.

 

Important Note Regarding Online Security: DCB understands how important online security is to you. When you complete an online registration or enrollment, it is encrypted through Secure Socket Layer (SSL) if you have a browser compatible with SSL. SSL technology secretly encodes information that is being sent over the Internet. After you have submitted your online registration or enrollment, DCB recommend that you end your browser session before leaving your computer.

 

1.      DESCRIPTION OF VERIFIED BY VISA

Verified by Visa provides you with a way of increasing security for online transactions by reducing the chances of fraud for those transactions. Registering for Verified by Visa involves providing personal information to DCB, which is then used to confirm your identity in connection with future online transactions for which Verified by Visa is used. Verified by Visa also may be used for record keeping and reporting purposes, as well as to help resolve transaction disputes. Your registration data and other personal information are not shared with the merchant.

 

2.      ACCEPTANCE OF TERMS

a.       You agree that creation of a Verified by Visa account password, and/or use of Verified by Visa, will represent your acceptance of this Terms of Use Agreement, and that continued use of Verified by Visa after you have been advised of revisions to this Terms of Use Agreement shall constitute your Agreement to such revised terms under any applicable posted guidelines or rules

b.       DCB may modify the terms, guidelines and rules from time to time with or without notice to you.  When using Verified by Visa, you shall be subject to any guidelines or rules applicable to Verified by Visa that may be posted from time to time on this Web site. 

c.       DCB may modify, discontinue or suspend Verified by Visa with or without notice.

 

3.      REGISTRATION

a.       If you are unable to provide adequate information for DCB to validate your identity, DCB have the right to deny registration 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.

b.       If you do not successfully register for Verified by Visa, the merchant may not accept your Visa credit or debit card in payment for an online transaction subject to Verified by Visa.

c.       During registration, DCB may perform an authorization on your credit or debit card to make sure it is valid.  If it fails, DCB have the right to deny registration for Verified by Visa.

 

4.      AUTHENTICATION

a.      During the registration process, you may be asked to select, or may be provided, a password and hint-and-response question and answer. When engaging in an online transaction for which Verified by Visa is used, you may be asked for your Verified by Visa password or hint response before the merchant accepts your Visa card in payment for the transaction. If you are unable to provide your Verified by Visa password or hint response, or if the authentication through Verified by Visa otherwise fails, the merchant may not accept your Visa card in payment for that transaction.

b.      By 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.

 

5.      PRIVACY POLICY

a.      Verified by Visa 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.

b.      You 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(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 Terms of Use Agreement.

c.      Registration Data and all personally identifying information about you is subject to our Privacy Policy. For more information, please see our full Privacy Policy.

 

6.      NO ENDORSEMENT

You understand that use of Verified by Visa does not, in any way, indicate that DCB recommend or endorse any merchant, regardless of whether the merchant participates in Verified by Visa.

 

7.      CARDHOLDER PASSWORD AND SECURITY

You 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 to immediately notify DCB of any unauthorized use of your password or other verification information, or any other breach of security. The cardholder will be solely liable for any transaction authenticated by the Password and other information and cannot deny the transaction by breach of this condition.

 

8.      YOUR CONDUCT

You agree not to:

i.         impersonate any person or entity using Verified by Visa;

ii.       upload, 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 Visa;

iii.      spam or flood the Verified by Visa Website or service;

iv.      modify, 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 Visa;

v.       remove any copyright, trademark, or other proprietary rights notices contained in Verified by Visa;

vi.      frame" or "mirror" any part of the Verified by Visa Website or service without Visa's prior written authorization;

vii.    use 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;

viii.   otherwise interfere with, or disrupt, Verified by Visa or servers or networks connected to Verified by Visa, or violate this Terms of Use Agreement or any requirements,   procedures, policies or regulations of Verified by Visa or of any networks connected to Verified by Visa; or intentionally 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.

ix.    intentionally 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.

9.      TERMINATION

DCB may temporarily or permanently deactivate your ability to use Verified by Visa and terminate your relationship with DCB at any time, without any penalty or liability, with or without fault on your part.

 

10.  DEALINGS WITH MERCHANTS

Your 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 DCB's Cardholder Agreement with you, your card Issuer and/or DCB 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 DCB 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 services.

 

11.  LIMITATION OF LIABILITY 

a.     You acknowledge and agree that, except as otherwise provided by any applicable laws or in DCB's cardholder agreement with you, DCB shall not be liable for any loss or damage arising from your failure to comply with this Terms of Use Agreement.

b.     You agree that DCB shall not be liable to you or to any third party for any modification, suspension or discontinuance of Verified by Visa.

c.     Under no circumstances will DCB 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 Visa.

d.     DCB 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.

e.     You agree that 'on line alerts ' are sent by the Bank to the Mobile number registered for SMS alerts with the Bank and you shall take steps to get registered for 'SMS alerts' to receive alerts for transactions done on your Debit / PayLess card using VBV.

 

12.  DISCLAIMER OF WARRANTIES

a.     You 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 Terms of Use 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.

b.    EXCEPT AS OTHERWISE REQUIRED BY ANY APPLICABLE STATE LAW, DCB 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. VERIFIED BY VISA IS PROVIDED AND MADE AVAILABLE TO YOU ON AN "AS IS" BASIS.  APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION

 

13.  AGE AND RESPONSIBILITY

You 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 DCB's 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 verification information.

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