Visa Legal (Visa Site Rules)

Legal Rights & Agreement Rules · Restriction or exception

Using the Visa Site means you accept these Rules

Visa International Service Association maintains Visa.com and its related sites. The Rules say access to the Visa Site is subject to them and to all applicable laws, including international, federal, state and local laws and regulations. By accessing and using the Visa Site you accept and agree to the Rules "without limitation or qualification", and you acknowledge that any other agreements you may have with Visa are superseded by the Rules to the extent of any conflict. If you do not agree with the Rules, the page asks you not to use the Visa Site.

Supporting quotations

your access to the Visa Site is subject to the following rules as well as all applicable laws.

By accessing and using the Visa Site, you accept and agree to the Rules without limitation or qualification, and acknowledge that any other agreements you may have with Visa are superseded by the Rules, to the extent any conflict exists. If you do not agree with these Rules, please do not use the Visa Site.

Access to and use of the Visa Site is subject to all applicable international, federal, state and local laws and regulations.

Qualifications & exceptions

• Other agreements you have with Visa are superseded only to the extent they conflict with the Rules.

Not stated here

• The Rules do not list which "related sites" make up the Visa Site, and they do not define what the capitalized term "Rules" covers beyond this page.

Legal Rights & Agreement Rules · Permission or license

Visa may revise the Rules at any time by updating the page

Visa may revise the Rules at any time by updating the posting. You are bound by those revisions, and the Rules say you should visit the page from time to time to review the current Rules.

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Visa may at any time revise these Rules by updating this posting. You are bound by such revisions and should therefore visit this page to review the current Rules from time to time.

©1996-2025 Visa. All Rights Reserved.

Not stated here

• The Rules do not say whether Visa gives notice of a revision, or state an effective date for revisions; the page shows only a 1996-2025 copyright line.

Legal Rights & Agreement Rules · Context

Each Visa site may have its own privacy policy with different terms

The Rules note that the Visa U.S.A. Web site has a privacy policy that applies specifically to it. For Web sites of other countries or regions, or other sites owned or operated by Visa U.S.A., you are told to review the privacy policy of each specific site, because each may contain different terms. The privacy policies themselves are separate documents and are not part of these Rules.

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In addition, please note that the Visa U.S.A. Web site has a privacy policy that applies specifically to it. When visiting Web sites for other countries or regions, or other Web sites that are owned or operated by Visa U.S.A., you should review the privacy policy for each specific site, as each may contain different terms.

Qualifications & exceptions

• Applies to Web sites for other countries or regions and to other sites owned or operated by Visa U.S.A.

Not stated here

• The text of any privacy policy is not supplied in this document, so what those policies allow or restrict is unknown here.
• The Rules do not say which of these sites the page you are reading is, beyond describing the Visa U.S.A. Web site as having its own policy.

Legal Rights & Agreement Rules · Restriction or exception

Visa gives no assurance that using site material will not infringe third-party rights

Visa neither warrants nor represents that your use of the material displayed on the Visa Site will not infringe the rights of third parties.

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Visa neither warrants nor represents that your use of the material displayed on the Visa Site will not infringe rights of third parties.

Legal Rights & Agreement Rules · Restriction or exception

What you send to the Visa Site is treated as non-confidential and non-proprietary

Apart from your personal information, which the Rules say is addressed in the Privacy Policy, any communication or material you send to the Visa Site, electronically or otherwise, is and will be treated as non-confidential and non-proprietary. The source lists data, questions, comments, suggestions and submissions as examples. This holds unless otherwise stated in the Privacy Policy. The Rules add that the Visa U.S.A. Web site has a privacy policy that applies specifically to it and may contain different terms. In the source, the parenthetical about personal information is opened but not closed, so the exact reach of that carve-out follows the Privacy Policy rather than these Rules.

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Apart from your personal information (which is addressed in the

any communication or material you send to the Visa Site, electronically or otherwise, including, but not limited to, data, questions, comments, suggestions, or submissions, is and will be treated as non-confidential and non-proprietary, unless otherwise stated in the

Please note that the Visa U.S.A. Web site has a privacy policy that applies specifically to it, and may contain different terms.

Qualifications & exceptions

• Personal information is carved out and addressed in the Privacy Policy.
• The treatment applies "unless otherwise stated in the Privacy Policy".

Not stated here

• The Privacy Policy text is not supplied in this document, so which submissions or personal information it treats differently is unknown here.
• The Rules do not define "personal information".

Cross-references

• qualifies (model-proposed): Visa may use anything you send to the Visa Site for any purpose — The preceding paragraph carves personal information out to the Privacy Policy and makes the non-confidential treatment subject to what the Privacy Policy says; the any-purpose use paragraph does not repeat that carve-out.

Legal Rights & Agreement Rules · Restriction or exception

The Visa Site's information and services are provided "as is" with no warranties

The information and services provided or referenced on the Visa Site are provided "as is" and with all faults, and the entire risk as to satisfactory quality, performance, accuracy and effort is with the user. Visa says it uses reasonable efforts to include accurate and up-to-date information but makes no warranties or representations as to its accuracy. It also makes no warranty, express or implied, that any information or service is merchantable or accurate, will fulfill your particular purposes or needs, or does not infringe third-party rights. Visa assumes no liability or responsibility for errors or omissions in the content of the Visa Site.

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The information and services provided or referenced on the Visa Site are provided "as is" and with all faults, and the entire risk as to satisfactory quality, performance, accuracy and effort is with the user. This means that although Visa uses reasonable efforts to include accurate and up-to-date information on the Visa Site, Visa makes no warranties or representations as to its accuracy. Visa makes no warranty, either express or implied, that any information or service provided or referenced by the Visa Site is either merchantable or accurate, that such information or service will fulfill any of your particular purposes or needs, or that such information or service does not infringe on any third party rights.

Visa assumes no liability or responsibility for any errors or omissions in the content of the Visa Site.

Qualifications & exceptions

• Visa says it uses reasonable efforts to include accurate and up-to-date information, but makes no warranty about its accuracy.

Legal Rights & Agreement Rules · Permission or license

Visa may add, change or improve site information and services without notice

Visa may periodically add, change or improve the information, products, services, programs and technology described on the Visa Site without notice to you.

Supporting quotations

Visa may periodically add, change, or improve any of the information, products, services, programs, and technology described on the Visa Site without notice.

Legal Rights & Agreement Rules · Restriction or exception

Visa and others involved are not liable for damages from your use of the Visa Site

Your use of the Visa Site is at your own risk. To the maximum extent allowed by law, neither Visa nor any other party involved in creating, producing or delivering the Visa Site will be liable for any direct, indirect, incidental, consequential or punitive damages, including lost profits, cost of procuring substitute service or lost opportunity, however caused, arising out of your access to, use of or reliance on the Visa Site, even if Visa has been advised of the possibility of such damages.

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Your use of the Visa Site is at your own risk. To the maximum extent allowed by law, neither Visa nor any other party involved in creating, producing, or delivering the Visa Site, will be liable for any direct, indirect, incidental, consequential, or punitive damages (including, without limitation, lost profits, cost of procuring substitute service or lost opportunity), however caused, arising out of your access to, use of, or reliance on the Visa Site, even if Visa has been advised of the possibility of such damages.

Qualifications & exceptions

• The exclusion applies "to the maximum extent allowed by law".

Not stated here

• The Rules do not say what the applicable law allows, so how far this exclusion applies in a given place is not stated.

Legal Rights & Agreement Rules · Context

Pages marked as applying to U.S. businesses apply only to businesses in the United States

Most information on the Visa Site applies internationally, but a significant amount applies only to certain countries or regions. The Rules give one example: a page that states "The information on this page applies to businesses in the United States." applies only to businesses operating in the United States. Having access to such United States-specific information does not mean it applies or ever will apply to a country or region outside the United States. The introductory sentence for the example is incomplete in the source.

Supporting quotations

Most of the information on the Visa Site applies internationally, but a significant amount of information applies only to certain countries or regions.

"The information on this page applies to businesses in the United States."

then the information on that page applies only to businesses operating in the United States.

The fact that you have access to such United States-specific information does not mean that such information applies or ever will apply to a country or region outside the United States.

Qualifications & exceptions

• The example applies where the page carries the stated indication.

Not stated here

• The example speaks of businesses; the Rules do not say how a region-specific indication applies to individual consumers.
• The supplied Rules text carries no regional indication of its own, so which countries or regions the Rules apply to is not stated.

Cross-references

• qualified by (model-proposed): Visa does not promise that unmarked information applies internationally — Visa marks region-specific information only through reasonable attempts and does not warrant that unmarked information applies internationally, which limits how far the absence of a marking can be relied on.

Legal Rights & Agreement Rules · Restriction or exception

Visa does not promise that unmarked information applies internationally

Visa makes reasonable attempts to indicate which information is country- or region-specific with statements like the one in the example, but it does not warrant or represent that information without such a statement applies internationally. The Rules tell you to check whether any information on the Visa Site applies to you or your organization.

Supporting quotations

Although Visa makes reasonable attempts to indicate which information is country- and/or region-specific by including this type of statement, it does not warrant or represent that the information without this type of statement applies internationally. You should check the applicability of any information on the Visa Site to you or your organization.

Qualifications & exceptions

• Visa's attempts to mark country- or region-specific information are described as "reasonable", not complete.

Cross-references

• qualifies (model-proposed): Pages marked as applying to U.S. businesses apply only to businesses in the United States — Visa marks region-specific information only through reasonable attempts and does not warrant that unmarked information applies internationally, which limits how far the absence of a marking can be relied on.