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| 1.
ACCEPTANCE OF TERMS |
(a)
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Verified
by Visa provides its service to you, subject to the following
Terms of Service (“TOS”) and our cardholder agreement
with you 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. You can review the most current
version of the TOS at any time at http://www.greenwoodcu.org.
In addition, when using Verified by Visa , you shall
be subject to any posted guidelines or rules applicable to Verified
by Visa that may be posted from time to time at the same
web site. |
(b)
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You
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
you have been advised of revisions to this TOS shall constitute
your agreement to such revised terms and any applicable posted
guidelines or rules. |
(c)
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Unless
explicitly stated otherwise, any new features that augment, enhance
or otherwise change Verified by Visa shall be subject
to this TOS. |
(d)
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Greenwood
Credit Union 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. |
(e)
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Upon
our request, you agree to sign a non-electronic version of this
TOS. |
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| 2.
DESCRIPTION OF Verified by Visa |
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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(b), and other
personal information is not shared with the merchant, as discussed
in more detail in Section 6 below. |
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| 3.
YOUR REGISTRATION OBLIGATIONS |
(a)
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By
signing up for Verified by Visa , you authorize us to
retain certain information about you, your credit cards and debit
cards. You authorize us to obtain from certain third parties
selected by us, including consumer credit bureaus and other consumer
reporting agencies, information about you, your credit cards
and debit cards, to use in connection with Verified by Visa .
You authorize us to use and retain this information in accordance
with our Privacy Policy (see Section 6 below). Your information
will be associated with a unique identifier for you (your credit
card or debit card number and your name). |
(b)
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You
agree to (i) provide true, accurate, current and complete information
about yourself as prompted by Verified by Visa 's registration
form (“Registration Data”), and (ii) maintain 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 . |
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| 4.
REGISTRATION |
(a)
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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 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. |
(b)
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If
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 . |
(c)
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If
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 Visa . |
(d)
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In
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. |
(e)
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In
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
at 401-739-4600 or write us at Visa Department, Greenwood Credit
Union, 2669 Post Road, Warwick, R.I. 02886. |
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| 5.
AUTHENTICATION |
(a)
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During
registration in Verified by Visa , 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 or other 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 credit card or debit card in payment for that transaction. |
(b)
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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. |
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| 6.
PRIVACY POLICY |
(a)
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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)
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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(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)
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Registration
Data and all personally identifying information about you is
subject to our Privacy Policy. For more information, please see
our full Privacy Policy at http://www.greenwoodcu.org. |
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| 7.
CARDHOLDER PASSWORD AND SECURITY |
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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 not to transfer or sell your use of,
or access to, Verified by Visa to any third party. You
agree to immediately notify us during normal-business hours at
401-739-4600 and after normal-business hours at 1-800-322-4058
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, Greenwood Credit Union
shall not be liable for any loss or damage arising from your
failure to comply with this TOS. |
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| 8.
YOUR CONDUCT |
(a)
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You
agree not to: |
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(i)
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impersonate
any person or entity using Verified by Visa ; |
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(ii)
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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 ; |
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(iii)
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spam or flood
the Verified by Visa Website or service; |
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(iv)
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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 ; |
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(v)
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remove any
copyright, trademark, or other proprietary rights notices contained
in Verified by Visa ; |
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(vi)
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“frame” or “mirror” any
part of the Verified by Visa Website or service without
Visa’s prior written authorization; |
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(vii)
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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; |
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(viii)
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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 |
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(ix)
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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 . |
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| 9.
LIABILITY |
(a)
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You
agree that Greenwood Credit Union 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 in using Verified by Visa due
to neglience or intentional misconduct by us, our employees or
agents. |
(b)
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Under
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)
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Greenwood
Credit Union assumes 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. |
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| 10.
TERMINATION |
(a)
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If
you want to end your ability to use Verified by Visa ,
you must send an e-mail to visa@greenwoodcu.org 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. |
(b)
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We
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. |
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| 11.
DEALINGS WITH MERCHANTS |
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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 our cardholder agreement with you, Greenwood Credit
Union 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. |
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| 12.
DISCLAIMER OF WARRANTIES |
(a)
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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 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 . |
| (b) |
EXCEPT
AS OTHERWISE REQUIRED BY ANY APPLICABLE STATE LAW, GREENWOOD
CREDIT UNION 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. |
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| 13.
NOTICE |
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Notices
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. You also may be notified of changes to this TOS or other
matters by notices displayed on or links to notices displayed
on http://www.greenwoodcu.org. |
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| 14.
AGE AND RESPONSIBILITY |
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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 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
verification information. |
