Verified by Visa

Terms of Service

Welcome and thank you for choosing to use theVerified by Visaservice ("Verified by Visa") from Navigant Credit Union. Please read this Terms of Service Agreement carefully before usingVerified by Visa. In this Agreement, "we," "us," or "our" refers to Navigant, and "you," "your," or "yours" refers to the user ofVerified by Visa.

This Terms of Service Agreement supplements and is incorporated in our cardholder agreement(s) with you. In addition to this Terms of Service Agreement,Verified by Visaalso is subject to the cardholder agreement governing the card transactions for whichVerified by Visais used.

1. ACCEPTANCE OF TERMS

(a)Verified by Visaprovides its service to you, subject to the following Terms of Service ("TOS") and our cardholder agreement with you governing the card transactions for whichVerified by Visais 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 . In addition, when usingVerified by Visa, you shall be subject to any posted guidelines or rules applicable toVerified by Visathat may be posted from time to time at the same web site.

(b) You agree that creation of aVerified by Visaaccount password, and/or use ofVerified by Visa, will represent your acceptance of this TOS and that continued use ofVerified by Visaafter 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) Unless explicitly stated otherwise, any new features that augment, enhance or otherwise changeVerified by Visashall be subject to this TOS.

(d) Navigant 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) Upon our request, you agree to sign a non-electronic version of this TOS.

2. DESCRIPTION OF VERIFIED BY VISA

Verified by Visaprovides you with a way of increasing security in online and other transactions for whichVerified by Visais used by reducing the chances of fraud for those transactions. Registering forVerified by Visainvolves providing personal information to us, which is then used to confirm your identity in connection with future online transactions or other transactions for whichVerified by Visais used, as discussed in more detail in Section 5 below.Verified by Visaalso 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.

3. YOUR REGISTRATION OBLIGATIONS

(a) By signing up forVerified 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 withVerified 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) You agree to (i) provide accurate, current and complete information about yourself as prompted byVerified by Visa'sregistration form ("Registration Data"), and (ii) maintain and promptly update the Registration Data to keep it accurate, current and complete. If you provide any Registration Data that is inaccurate, not current or incomplete, or if we have reasonable grounds to suspect that your Registration Data is inaccurate, not current or incomplete, we have the right to suspend, terminate, or refuse your current or future use ofVerified by Visa.

4. REGISTRATION

(a) In order to useVerified by Visa, you must provide certain information to us that allow 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) If you are unable to provide adequate information for us to validate your identity, we have the right to not allow you to register forVerified 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 forVerified by Visa.

(c) If you do not successfully register forVerified by Visa, the merchant may not accept your Visa credit card or debit card in payment for an e-commerce or other transaction subject toVerified by Visa.

(d) In order to useVerified 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) In the event you have a question regarding theVerified by Visaregistration process or a transaction using Verified by Visa, you should direct that question to our customer service department at (401) 233-4700 in accordance with the instructions in our Electronic Transfer Disclosure.

5. AUTHENTICATION

(a) During registration inVerified 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 whichVerified by Visais used, you may be asked for yourVerified by Visapassword or hint response before the merchant accepts your Visa card in payment for the transaction. If you are unable to provide yourVerified by Visapassword or hint response, or if the authentication throughVerified by Visaotherwise fails, the merchant may not accept your Visa credit card or debit card in payment for that transaction.

(b) By registering inVerified by Visa, you assent to the use ofVerified by Visato evidence your identity, including for purposes of authorization of transactions authorized in advance to recur at substantially regular intervals.

6. PRIVACY POLICY

(a)Verified by Visastores your Registration Data. Your Registration Data will not be shared with online retail merchants or merchants in other transactions for whichVerified by Visais used.

(b) You acknowledge and agree thatVerified by Visamay 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 information about you is subject to our Privacy Policy. For more information, please see our full Privacy Policy at .

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 withVerified by Visa, and all activities that occur using your password, Registration Data or other verification information supplied to or established by you withVerified by Visa. You agree not to transfer or sell your use of, or access to,Verified by Visato any third party. You agree to immediately notify us by contacting us, as we require in our Electronic Funds Disclosure 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, Navigant shall not be liable for any loss or damage arising from your failure to comply with this TOS.

8. YOUR CONDUCT

(a) You agree not to:

(i) impersonate any person or entity usingVerified 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 byVerified by Visa;

(iii) spam or flood theVerified by VisaWebsite or service;

(iv) modify, adapt, sub-license, translate, sell, reverse engineer, decompile or disassemble any portion of theVerified by VisaWebsite or service or the software used in connection withVerified by Visa;

(v) remove any copyright, trademark, or other proprietary rights notices contained inVerified by Visa;

(vi) "frame" or "mirror" any part of theVerified by VisaWebsite 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 theVerified by VisaWebsite or service or its contents;

(viii) otherwise interfere with, or disrupt,Verified by Visaor servers or networks connected toVerified by Visa, or violate this TOS or any requirements, procedures, policies or regulations ofVerified by Visaor of any networks connected toVerified by Visa; or

(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 ofVerified by Visa.

9. LIABILITY

(a) You agree that Navigant shall not be liable to you or to any third party for any modification, suspension or discontinuance ofVerified by Visa. We will pay any direct out-of-pocket expenses that you may incur in usingVerified by Visadue to:

(i) negligence or intentional misconduct by us, our employees or agents;

(ii) an attack by others on the systems we use to provideVerified by Visa; or

(iii) any error in, or failure of,Verified by Visa.

(b) 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 ofVerified by Visa.

(c) Navigant 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.

10. TERMINATION

(a) If you want to end your ability to useVerified by Visa, you must contact us at 401-233-4700 so that your password and Registration Data withVerified by Visacan be deactivated. Any purchases you made usingVerified by Visaprior to deactivation will not be affected.

(b) We may temporarily or permanently deactivate your ability to useVerified by Visaand 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 useVerified by Visaif it is not used at least one time during any twelve (12) month period. If we deactivate your ability to use Verified by Visa, we will promptly give you notice at the most current email address you have provided to us as reflected in our records.

11. DEALINGS WITH MERCHANTS

Your correspondence or business dealings with, or participation in promotions of, online retail or other merchants on or throughVerified 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 Electronic Funds Disclosure, Navigant 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 ofVerified by Visadoes not, in any way, indicate that we recommend or endorse any merchant, regardless of whether the merchant participates inVerified by Visa. For example,Verified by Visadoes not verify the identity of the merchant or the quality of the merchant's goods or services.

12. DISCLAIMER OF WARRANTIES

(a) You expressly understand and agree that any software obtained through the use ofVerified by Visais 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, NAVIGANT CREDIT UNION MAKES NO REPRESENTATIONS OR WARRANTIES ABOUTVERIFIED BY VISAOF 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.

13. NOTICE

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 .

14. AGE AND RESPONSIBILITY

You represent that you are of sufficient legal age to useVerified by Visaand to create binding legal obligations for any liability you may incur as a result of the use ofVerified 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 ofVerified by Visaby you and those authorized by you to use your Registration Data, your password or other verification information.