Welcome and thank you for choosing to use Verified by Visa.
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.
VERIFIED BY VISA
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.
ACCEPTANCE OF TERMS
agree that creation of a Verified by Visa account password, and/or use of
Agreement, and that continued use of Verified by Visa after you have been
Agreement to such revised terms under any applicable posted guidelines or rules
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.
may modify, discontinue or suspend Verified by Visa with or without notice.
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
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.
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.
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.
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.
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.
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)
Data and all personally identifying information about you is subject to our
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.
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.
You 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 Visa;
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 Visa;
any copyright, trademark, or other proprietary rights notices contained in Verified
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
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.
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.
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
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
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
agree that DCB shall not be liable to you or to any third party for any
modification, suspension or discontinuance of Verified by Visa.
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.
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 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
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
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, 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