Terms of Service for Verified
by Visa issued by TJSB Sahakari Bank Ltd.
Welcome 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 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.
This 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.
In the event of any conflict between this Verified by Visa Terms
of Service document and the Issuer's Debit Card Agreement and Disclosure or
Membership Agreement, the Issuer's Debit Card Agreement and Disclosure and
Membership Agreement shall control.
I. ACCEPTANCE OF TERMS
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
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.
c. Unless 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.
II. DESCRIPTION OF Verified by Visa
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.
YOUR REGISTRATION OBLIGATIONS
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.
a.In 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 debit card(s). The information that you provide may be
validated against information we already have on file that is associated with
you, your 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 debit cards that you register for Verified by
c. If you do not successfully register for Verified by
Visa, the merchant may not accept your Visa debit card in payment for an
e-commerce or other transaction subject to Verified by Visa.
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 access device.
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 debit card in payment for that
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.
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
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.
c. Registration Data and all personally identifying
VII. CARDHOLDER 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
VIII. YOUR CONDUCT
1. impersonate any person or entity using Verified by
2. 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
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;
7. 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;
8. otherwise 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
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
shall not be liable to you or third party for any expenses, loss,
consequential, incidental, special loss, loss of profits incurred due to negligence
or conduct of our employees or agents or third party or an attack on the
systems used to provide 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 Visa.
c. We 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 be held valid and to be paid by you.
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 six (6) month period. No notice will be given by us for such
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 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 services.
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 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
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 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 debit cards issued or
otherwise provided by us and notice through any one of the above mode will be
taken as valid notice.
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