V.me by Visa Terms of Service

Important: Please carefully read the following V.me by Visa terms of service ("Terms"). You have acknowledged that you understand and agree to all of these terms if you have created or used a V.me account or have clicked an "I Accept" button with regards to the use of V.me, these terms replace all prior terms in respect of V.me.

  1. V.me by Visa and the V.me Account Service

    V.me by Visa is operated by Visa U.S.A. Inc. ("Visa", "us", "we" or similar pronoun). As used in these Terms, the term "V.me" shall mean all of the following: all V.me features, functionality and services, now available or added in the future, whether available through the V.me website as operated as a domain or subdomain, through an application or functionality operated by an issuing bank, merchant, or other third party (collectively, "Services"); the logos, designs, text, images, videos, graphics, software and other content and materials of Visa or its licensors available through V.me, and the selection and arrangement thereof (collectively, "Content"); and Visa's hardware, software and networks associated with making V.me available to you (collectively, the "V.me System").

    One of the primary Services of V.me (the "V.me Account Service") offers you (i) the ability to store account and other related information such as billing and shipping addresses ("Card Details") for your Visa credit, debit and prepaid cards and other cards or payment methods that Visa has decided are eligible to be used with the V.me Account Service ("Eligible Cards"); and (ii) the ability to use the V.me Account Service as a method of checkout at merchants that display the V.me checkout mark, once you have enrolled in V.me and stored your Card Details in your V.me account ("Account").

    When you use the V.me Account Service as a checkout method, we will transmit certain information to the merchant in order to authenticate you and the Eligible Card for the transaction. You agree that the merchant can transmit information about the transaction to the applicable network for your Eligible Card and that your transaction will be paid for using the Eligible Card you have selected. While the V.me Account Service helps facilitate the transaction, the purchase or return of goods or services from a merchant in connection with your use of the V.me Account Service is solely between you and the merchant, and Visa is not a party to the transaction.

    If you require a refund or reversal of any transaction completed using the V.me Account Service, you must contact the applicable merchant and/or the financial institution or other entity which issued the Eligible Card (each, an "Issuer") you used for the transaction.

    You acknowledge that the Card Details stored in your Account are provided by you and contain personal financial information. You may only use Cards in connection with the V.me Account Service if your Issuer regards you as the primary or supplementary cardholder and your name is embossed on the Card. You acknowledge and agree that you are solely responsible for the completeness and accuracy of the Card Details and other information you store in your Account. Although Visa may perform certain validation checks for Card Details for Visa cards, Visa is not responsible for the accuracy of Card Details or the other information you store in your Account, including whether Card Details are current and up-to-date. However, you agree that if your Issuer is entitled to provide updated information about your Eligible Cards (such as a new card number or expiry date) to third parties, your Issuer may also provide that information to us. From time to time we may ask you for additional information which you must provide in order to continue to use one or more of the Services.

    The V.me Account Service is not a bank account and does not offer any credit to you or a merchant.

    Note that not all Services are available for all Eligible Cards. Furthermore, Visa reserves the right at its sole discretion to revise the eligibility of Eligible Cards and to remove Eligible Cards and Card Details from your Account.

  2. Changes to V.me

    Visa may, in its sole discretion, terminate, change, modify, suspend, make improvements to or discontinue any or all aspects of V.me, temporarily or permanently, including the availability of any Service, at any time with or without notice to you and you agree that Visa shall not be liable to you or to any third party as a result of taking any of these actions.

  3. Service Terms

    Certain Services may be subject to additional terms, conditions or policies specific to the Service ("Service Terms"). Applicable Service Terms will be provided to you prior to your use of the Service that requires such additional terms. Unless otherwise expressly noted, all Service Terms are incorporated by reference into these Terms and form part of these Terms. If there is a conflict between these Terms and any Service Terms, the Service Terms will control solely with respect to that Service.

    Not all Services may be available to all Accounts or Eligible Cards. Furthermore, Visa may, in its sole discretion, remove Eligible Cards from Accounts or prevent Eligible Cards from being enrolled in an Account, and Visa may also revise at any time the eligibility of specific or general debit and prepaid cards and other cards or payment methods that constitute Eligible Cards.

  4. Eligibility

    The V.me Account Service is only available to individuals who are: (i) legal residents of the 50 United States (including the District of Columbia); (ii) of the legal age of majority in their jurisdiction of residence (and at least 18 years of age); and (iii) the primary cardholder or authorized user of one or more Eligible Cards, and in good standing with respect to their Eligible Card accounts.

  5. Registration and Account Security

    In order to enroll in the V.me Account Service, you are required to register for an Account. If you choose to register for an Account, you agree to provide us with true, accurate, current and complete information about yourself and update us if there are changes to the information. You acknowledge and agree that Visa will have no liability associated with or arising from your failure to maintain accurate registration information, including your failure to receive important information and updates about the V.me Account Service. If Visa has reasonable grounds to suspect that any information you provided to us is untrue, inaccurate or incomplete, Visa may suspend or terminate your Account and refuse any and all current or future use of the V.me Account Service (or any portion thereof) by you.

    As a part of your Account registration, you are required to establish a username, password and responses to a selection of security questions. These pieces of data are used to authenticate you when you use the V.me Account Service. They act as your signature. For your protection, you should memorize your username, password and responses to your security questions and not keep notation of them on or with your personal computer, tablet, mobile device or other device used to access The V.me Account Service. You are responsible for protecting the confidentiality of your username and password. It is important that you do so since we are not responsible for any losses you incur as a result of unauthorized use of your Account and, depending on the circumstances, your Issuer may hold you responsible for unauthorized use of your Eligible Card account. You agree to notify Visa immediately of any unauthorized use of your user name or password, or any other actual or potential security breach relating to your Account.

    You are responsible for all use of your Account and for ensuring that use of or access to your Account complies fully with these Terms. You acknowledge and agree that any use of the V.me Account Service occurring through your current username and password shall be deemed to be your actions and that Visa may rely upon such actions.

  6. Cardholder Agreements

    These Terms do not amend or otherwise modify the cardholder agreement or any other terms and conditions of your Issuer. In the event of any inconsistency between these Terms and your cardholder agreement with your Issuer, these Terms govern as to the relationship between you and Visa solely with respect to V.me and your cardholder agreement with your Issuer governs as to the relationship between you and your Issuer. You are responsible for ensuring that your use of the Services complies with your cardholder agreement with your Issuer.

  7. Charges, Fees and Taxes

    You are solely responsible for acquiring any hardware, devices, software, wireless and Internet access, other items required for you to use or access V.me, and any associated fees, expenses or other charges. You are also solely responsible for any interest, fees, charges or expenses of the Issuer of any Eligible Cards you are using in connection with the Services and for any taxes or tax reporting obligations in connection with your use of the Services.

  8. Social Media

    We may allow you to utilize one or more methods of communication to share and spread the message about V.me, which methods may include email and social networking platforms (collectively, "Social Media"). If you choose to use Social Media, you are solely responsible for ensuring that your use complies with all applicable laws, rules and regulations, these Terms, and any terms, conditions and restrictions of the particular Social Media.

    If you share information through email functionality, you represent and warrant that you have the authority to provide the recipient's email address and expressly authorize us to send the email on your behalf. In addition, the recipient must be a permanent, legal resident of the 50 United States or the District of Columbia, who is at or above the legal age of majority in their jurisdiction of residence. We may elect not to transmit any email if that email address appears to be on any Visa or other applicable "do not contact" or "do not email" list.

  9. Privacy

    For information about Visa's privacy practices in connection with V.me, please read the V.me privacy policy ("Privacy Policy") available through the Services or at the V.me website. The Privacy Policy is incorporated into these Terms and explains how Visa collects, uses and shares your personal information in connection with V.me. In connection with creating or using a V.me Account, you have indicated that you agree to the terms of the Privacy Policy.

  10. Proprietary Rights

    All ownership rights in V.me, including Content, is retained by Visa, its affiliates and their licensors, and protected under applicable copyrights, trademarks and other proprietary (including, intellectual property) rights and international treaties. All rights not expressly granted to you through these Terms are retained by Visa, its affiliates and their licensors. Nothing in these Terms grants to you any right to use any of Visa's, its affiliates' or any other third party's trademarks, service marks, logos or other indicia of origin.

  11. License Grant

    Visa grants to you a limited, revocable, non-exclusive, non-sublicensable and otherwise non-transferable license to use the Services and the Website for your own personal and non-commercial use strictly in accordance with these Terms, provided this does not prohibit you from using Eligible Cards stored in connection with the V.me Account Service for business purposes. Visa may in its sole discretion suspend, discontinue or terminate this license at any time, for any reason. All rights not expressly granted to you are reserved by Visa, its affiliates or their licensors.

  12. Submissions

    Visa's policy is to not accept or consider unsolicited submissions, including, without limitation, ideas, suggestions or materials, either via the Website, email or other means. This is to avoid any misunderstandings if your submissions are similar to those we have developed or obtained independently. You understand we may or may not review unsolicited submissions. However, if you do still transmit to us, via the website, email or otherwise, any unsolicited submission, you grant to Visa and its designees a royalty-free, fully paid, transferable, sublicensable, non-exclusive, irrevocable, perpetual, unrestricted, worldwide license to publish, transmit, perform, display, modify, create derivative works from and otherwise use such submission, including any intellectual property contained therein, together with your name, image, and likeness, for any purpose, including, without limitation, advertising and promotional purposes, in any media, now or hereafter known, without any credit, notice, approval or compensation to you. Without limitation thereof, you agree that Visa and its designees are free to use any ideas, concepts, know-how or techniques contained in any submission you send to us for any purpose whatsoever, including, without limitation, developing and marketing products, services and content using the submission.

    You acknowledge that, as a V.me individual user, you are providing your submissions on your own behalf and not on behalf of any company that you work for or with which you are affiliated. You represent and warrant that you own any material that you submit to us and that the submission, and any subsequent use by Visa, of the material does not infringe on any intellectual property or other rights of any third party.

  13. User Conduct

    You agree that you will comply with all applicable laws, rules and regulations and other legal requirements that relate to your use of V.me. In addition, you agree:

    • not to use V.me in breach of these Terms;
    • not to disrupt or interfere with the security or operation of, or otherwise abuse, V.me, or any part of V.me;
    • not to attempt to obtain unauthorized access to V.me or portions of V.me that are restricted from general access;
    • not to use V.me in any manner that could be deemed false and/or defamatory, abusive, vulgar, hateful, harassing, obscene, profane, threatening, invasive of a person's privacy, or in violation of any third party rights;
    • not to reproduce V.me in any form, or store or incorporate V.me into any information retrieval system, electronic, mechanical or otherwise.
    • not copy, emulate, clone, rent, lease, sell, commercially exploit, modify, decompile, disassemble, distribute, reverse engineer or transfer V.me or any portion thereof;
    • not use any device, software or routine to interfere or attempt to interfere with the proper working of V.me and or take any action that imposes an unreasonable or disproportionately large burden on the V.me System, as determined by Visa in its sole discretion; and
    • to comply with any other requirements, restrictions or limitations imposed by Visa or by your Issuer from time to time.
  14. Disclaimer of Warranties/Limitation of Liability

    V.me, in whole and in part, including all services, is provided on an "as is" and "as available" basis, without express or implied warranties of any kind, including warranties of title, implied warranties of merchantability or fitness for a particular purpose.

    To the fullest extent permitted under applicable law, you expressly acknowledge and agree that you assume sole responsibility and risk for your use of V.me, and the results and performance thereof. In no event and under no cause of action, including negligence, shall Visa and its affiliates, and each of their respective officers, directors, customers, members, employees or authorized agents (collectively, the "Visa Parties") be liable for any damages, claims or losses incurred (including direct, compensatory, incidental, indirect, special, consequential or exemplary damages), however caused and under any theory of liability, arising from or in connection with V.me and/or these terms, even if a Visa party is advised of the possibility of such damages, claims or losses. Without limiting the generality of the foregoing, the Visa parties shall not be liable to you or any third party for: (i) your use of or inability to use V.me for any reason, including refusal of your issuer or a merchant to authorize a V.me transaction; (ii) any content available in connection with V.me; (iii) any goods, services or information purchased or received in connection with V.me, including your failure to receive or inability to return such goods, services or information; (iv) disputes between you and a merchant; (v) any inaccuracy, incompleteness or misinformation contained in any information provided through V.me; (vi) unauthorized access to, or alteration or loss of, your transmissions, data or other information that is collected, stored or sent in connection with V.me; (vii) errors, system down time, network or system outages, file corruption or service interruptions; or (viii) any other use by you of V.me. in addition, the Visa parties shall not be liable if V.me cannot be provided (or any part thereof) or for any failure to perform any obligations contained in these terms due to, directly or indirectly, the failure of any equipment, transmission or delivery problems, or any industrial dispute, war, natural disaster, act of terrorism, explosion, act of god or any other event beyond our control.

    Notwithstanding anything to the contrary contained herein, the Visa parties' cumulative liability to you arising from any cause of action will at all times be limited to the lesser of (A) the amount of fees received by Visa from third party participants in the V.me program which are directly related to transactions you have made using the V.me account services during the six (6) months immediately preceding the act or omission which gave rise to the cause of action; or (B) $100.

    Some jurisdictions do not allow the disclaimer, exclusion or limitation of certain warranties, liabilities and damages, so some of the above disclaimers, exclusions and limitations may not apply to you. In such jurisdictions, Visa's liability will be limited to the fullest extent permitted by applicable law.

  15. No Endorsements; Disputes with Merchants

    Visa does not endorse or sponsor, and is not responsible for: (i) Issuers or operators of payment networks that you may use in connection with V.me; (ii) the goods or services purchased in connection with V.me; (iii) honoring or fulfilling goods or services purchased in connection with V.me; and (iv) the merchants whose goods or services may be purchased in connection with V.me. If you have a dispute with a merchant about a transaction made with V.me, you are solely responsible for settling the dispute directly with the merchant. Visa is not a party to the purchase.

  16. Third Party Websites, Content and Resources

    V.me may permit you to link to or access direct connections to third party websites, content and resources, including, Social Media. You acknowledge that Visa has no control over any such websites, content or resources, which are made available by companies or persons other than Visa. You acknowledge and agree that Visa is not responsible for the availability of any such websites, content or resources. You further acknowledge that Visa is not liable to you for any loss or damage which may be incurred by you as a result of these third party websites, content or resources, including losses or damages suffered in connection with purchases processed through V.me.

  17. International Use

    V.me is controlled, operated and administered by Visa and its affiliates from its offices within the United States of America. Visa makes no representation that materials on V.me are appropriate or available for use at other locations outside of the United States and Canada, and access to them from any location where the contents available through V.me are illegal is prohibited. Use of V.me is prohibited to those residing outside of the United States.

  18. Modification of These Terms; Termination

    If you do not agree with any of these Terms, you must not use V.me. Visa reserves the right, in its sole discretion, to modify these Terms at any time with or without further notice to you. We will always post the most recent version of these Terms at the Website. Visa may change these Terms by posting a new version at the Website, without specific notice to you, so please continue to review these Terms from time to time. The most recent modification date will be noted by the "Last Updated" date below. To the fullest extent permitted under applicable law, your continued use of or participation in V.me after any such modification constitutes your acceptance of these Terms as modified.

    You may terminate your use of V.me at any time. Visa may suspend, discontinue or terminate your access to or use of V.me at any time, immediately and without prior notice or obligation to you, (i) if you violate any of these Terms, or (ii) for any other reason, in Visa's sole discretion. Upon any discontinuance or termination of your use of V.me, you must uninstall any V.me-related software, if any, and promptly destroy all Content obtained through V.me, as well as any copies of such Content. You agree that Visa shall not be liable to you for any suspension, discontinuance, termination, change or modification of your use of or access to V.me. Upon termination, you remain liable for all payments and other obligations you have incurred under these Terms.

  19. General Terms

    1. Notices.

      You agree that Visa may provide you with notices and other disclosures in connection with V.me by email, postings on the Website or other forms of electronic communications in accordance with Visa's electronic communications policy. All electronic communications from us to you shall be deemed to be communications "in writing" and deemed delivered to you no later than the earlier of the date actually received or 5 days from the date of posting or dissemination.
    2. Waiver.

      Our failure or delay to exercise or enforce any provision or right contained in these Terms shall not be deemed a waiver of such provision or right.
    3. Entire Agreement.

      These Terms (including the Privacy Policy and any applicable Service Terms incorporated into these Terms by reference) constitute the entire agreement between Visa and you with respect to your use of V.me.
    4. Severability.

      You and Visa agree that if any provision of these Terms are deemed unlawful, void or for any reason unenforceable by a court of competent jurisdiction, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.
    5. Interpretation.

      Headings and captions are for convenience only and shall not be considered included for purposes of interpretation. Words such as "hereof," "herein," and "hereunder" shall mean and refer to all these Terms, rather than any particular part of the same. The term "including" shall mean "including, without limitation". Whenever used herein, the singular shall include the plural, the plural shall include the singular, and the use of any gender shall be applicable to all genders.
    6. Relationship of the Parties.

      Nothing in these Terms will be construed as creating a joint venture, partnership, employment or agency relationship between you and Visa, and you do not have any authority to create any obligation or make any representation on Visa's behalf.
    7. Indemnification.

      To the greatest extent permitted by applicable law, you agree to indemnify, defend and hold harmless the Visa Parties from any loss, liability, claim, or demand, including costs and reasonable attorneys' fees, due to, in connection with or arising out of your breach of these Terms.
    8. Governing Law.

      To the fullest extent permitted by law, you and Visa agree that: (i) any disputes, claims or causes of action arising out of or in connection with these Terms or V.me will be governed by and construed under the laws of the State of California, excluding only its conflict of law provisions; and (ii) any disputes, claims or causes of action arising out of or in connection with these Terms or V.me shall be resolved exclusively within the federal and state courts residing within San Francisco County, State of California, U.S.A.
    9. Assignment.

      You may not assign these Terms, by operation of law or otherwise, without Visa's prior written consent. Visa reserves the right to assign these Terms, and the rights and obligations hereunder, to any third party without notice to or consent from you. Subject to the foregoing, these Terms will be binding on, inure to the benefit of, and be enforceable against you and your respective successors and assigns.
    10. Export Laws.

      You acknowledge that applicable laws and regulations of the United States and other countries may restrict the export and re-export of V.me. You agree that you will not export or re-export V.me in any form or to any recipient whether inside or outside the United States in violation of applicable United States and foreign law.
    11. Survival.

      Despite termination of these Terms, these Terms continue to apply to any use of V.me by you prior to termination. Any sections of these Terms that by their nature should survive termination shall so survive any termination of these Terms or your use of V.me, including the following: Sections 10, 12, 14, 15 and 19.
    12. Contact Us.

      If you have any questions about V.me, please visit the FAQ section of the Website. If the FAQs don't answer your questions, you can contact us by email to support@v.me.

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Visa Alerts

Service Terms

Important: Please carefully read the following Visa alerts service terms ("Alerts Terms"). By enrolling in or using the alerts from V.me service ("Alerts Service"). You acknowledge that you understand and agree to all of these alerts terms.

These terms apply only to the alerts service operated by V.me. If your issuer offers a separate alerts service that is accessible through V.me, that service is subject to separate terms between you and your issuer, including how to make choices about your participation in that service.

How to Opt-out: If you no longer want to receive SMS text alerts from V.me on your mobile device, reply stop to any text message you receive from the Alert Service, or text stop to the Alert Service's short code (view our Troubleshooting page for Alert Service short codes), or change your Visa Alerts preferences through your V.me Account.

How to get help or support: Text help for help to the Alert Service's short code (view our Troubleshooting page for Alert Service short codes). Message and data rates may apply.

Message Frequency: The number of text messages received under the Alerts Service will depend on several factors, including the triggers selected and the number of transactions that match such triggers.

If you no longer want to receive V.me e-mail alerts, you can change your Visa Alerts preferences in your V.me Account.

Alerts. The Alerts Service is intended to allow you to receive alerts for your enrolled Visa card(s) directly on your registered mobile device and/or email address(es), triggered by criteria you select from those available through the Alerts Service (collectively, "Alerts"). If your enrolled Visa card is also enrolled in another user's V.me Account, only the first user who enrolled the card may add the Alerts Service for that card. Alerts are provided for informational purposes only. Available triggers may include certain types of transactions, transaction amounts, transactions at certain types of merchants and transactions made outside the United States. Triggers may also be available on a per-transaction or an aggregated basis. Available triggers are subject to change at any time. The Alerts Service may also permit certain controls through commands initiated directly from your mobile device. Please see the Website for more information on available triggers and commands. For the purpose of these Alerts Terms, "Equipment" shall mean any hardware, software or networks associated with bringing you the Alerts Service, including your mobile device.

If you believe there is unauthorized activity on your enrolled Visa card or a question about any activity resulting in an Alert, please contact your Issuer — their number should be located on the back of your Visa card. You acknowledge that Visa is not responsible for the actions you take or fail to take in response to the Alerts you receive.

No Amendment of Existing Terms and Conditions For Eligible Cards. Alerts do not amend, supplement, change or replace any notice or information that you may receive in connection with your Visa card account from the issuer of your Visa card including any information provided to you on your periodic billing statement or cardholder agreement.

Fees. Visa does not currently charge for use of the Alerts Service. However, in order for Alerts to be sent to your mobile device you must (i) own or be an authorized user of a two-way text message (or "SMS")-capable mobile device that is registered on a supported wireless carrier network, (ii) have elected a data plan that includes use of your mobile device's SMS capabilities, and (iii) ensure that your mobile account remains in good standing with your wireless carrier. You are solely responsible for such charges and any other charges from your wireless carrier. You should contact your wireless carrier for complete pricing details. Message and data rates may apply.

Supported Wireless Carriers:

For a list of supported carriers, please view our Troubleshooting page.

Availability/Interruption. You acknowledge that the actual time between a selected trigger and the time the Alert is sent to your mobile device is dependent on a number of factors, including your wireless service and coverage within the area in which you are located at that time, and that Alerts may be delayed, experience delivery failures, or face other transmission problems. Similarly, commands are likewise affected by the same or similar factors and problems could arise with use of commands. Alerts may not be available to be sent to your mobile device in all areas. If you registered to receive Alerts to your email address(es), please be sure that "V.ME" is a permitted domain in order to avoid the Alerts being filtered as spam. Email Alerts may be affected by Internet outages and other problems impacting the transmission and receipt of email messages. The Alerts Service is available using the necessary Equipment, and, if you registered to receive Alerts to your mobile device, the Alerts Service is available when you have your mobile device within the operating range of a wireless carrier with an appropriate signal for data services. The Alerts Service is subject to transmission limitations and service interruptions. Visa does not guarantee that the Alerts Service (or any portion thereof) will be available at all times or in all areas. You acknowledge and agree that Visa is not responsible for performance degradation, interruption or delays due to conditions outside of its control and/or Equipment. You acknowledge that the Visa Parties shall not be liable to you if you are unable to receive Alerts on your mobile device in your intended area. The Visa Parties disclaim all liability for: any delays, misdelivery, loss, or failure in the delivery of any Alert; any form of active or passive filtering; or insufficient space in your email account(s) to receive email messages.

Issuer Alerts. Issuers for your Eligible Cards may provide alert services through V.me that are similar in nature to the Alerts Service. In the event an Issuer-originated alerts service is provided for one or more of your Eligible Cards, the V.me Alerts Service may not be available to you, though you may be able to access your Issuer's alert service setting from within your V.me account (if your Issuer participates). Your use of and participation in Issuer-originated alert services is governed by the terms of service between you and your Issuer.

V.me by Visa Terms of Service. These Alerts Terms and your use of the Alerts Service are subject to the V.me by Visa Terms of Service currently in effect. Capitalized terms not defined in these Alerts Terms are defined in the V.me by Visa Terms of Service.

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