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Rules "without limitation or qualification", and you acknowledge that any other agreements you may have with Visa are superseded by the Rules to the extent of any conflict.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to the Rules without limitation or qualification, and acknowledge that any other agreements you may have with Visa are superseded by the Rules, to the extent any conflict exists.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• Other agreements you have with Visa are superseded only to the extent they conflict with the Rules.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.

Supporting quotations

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.

Supporting quotations

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.

Content & IP Rights · Restriction or exception

Site material may be downloaded for personal, non-commercial use only

Unless otherwise specifically indicated, you may download material displayed on the Visa Site for personal, non-commercial use only. Without the written consent of Visa, or of any third party Visa deems necessary, you may not distribute, modify, copy, publish, transmit, display, sell, license, use, reuse or create derivative works of any of the contents or material displayed on the Visa Site for any public or commercial purpose.

Supporting quotations

Unless otherwise specifically indicated, you may download material displayed on the Visa Site for personal, non-commercial use only. You may not distribute, modify, copy, publish, transmit, display, sell, license, use, reuse or create derivative works of any of the contents of or material displayed on the Visa Site for any public or commercial purpose without the written consent of Visa or any third party Visa deems necessary.

Qualifications & exceptions

• The permission is subject to "Unless otherwise specifically indicated" on the Visa Site.
• The listed restrictions apply to public or commercial purposes and can be lifted by written consent from Visa or a third party Visa deems necessary.

Not stated here

• The Rules do not say how Visa decides which third parties' consent is necessary, or what counts as personal versus public or commercial use.
• Images of people or places have their own separate restriction, and the Rules do not say whether this personal-use download permission reaches them.

Cross-references

• contrast (model-proposed): Images of people or places on the Visa Site cannot be used without express permission — The download card allows personal, non-commercial downloading of site material unless otherwise indicated, while the images card prohibits use of images of people or places unless expressly permitted. The Rules do not say whether the download permission counts as express permission for those images.

Content & IP Rights · Restriction or exception

Keep copyright notices on copies, and include the Rules with any copy you distribute

You must retain all copyright and other proprietary notices on material you download or copy from the Visa Site. Any copy of Visa Site material that you make and distribute, for any purpose, must also include these Rules.

Supporting quotations

You must retain all copyright and other proprietary notices on downloaded and/or copied material. Any copy of material from the Visa Site you make and distribute for any purpose must also include these Rules.

Security & Safeguards · Restriction or exception

You may not use the Visa Site in ways that could damage it or interfere with others

You may not access or use the Visa Site in any way that could damage or impair the Visa Site, or any server or network underlying it, or that interferes with anyone else's use and enjoyment of the Site. The wording covers use that could cause damage or impairment as well as use intended to cause it.

Supporting quotations

You may not access or use the Visa Site in any way that could or is intended to damage or impair the Visa Site, or any server or network underlying the Visa Site, or interfere with anyone else's use and enjoyment of the Site.

Content & IP Rights · Restriction or exception

Assume Visa Site content is copyrighted and use it only as the Rules allow

The Rules tell you to assume everything on the Visa Site is copyrighted unless otherwise noted. It must not be used except as provided in the Rules or with the express written consent of Visa or any third party Visa deems necessary. Trademarks and copyrights not attributed to Visa are the property of their respective owners.

Supporting quotations

You should assume that everything on the Visa Site is copyrighted unless otherwise noted and that it must not be used except as provided in the Rules or with the express written consent of Visa or any third party Visa deems necessary.

The trademarks and copyrights not attributed to Visa are the property of their respective owners.

Qualifications & exceptions

• Copyright is assumed "unless otherwise noted".

Content & IP Rights · Company practice

Visa reserves intellectual property rights it does not expressly license

Visa states that products, services, programs or technology described on the Visa Site, including in documents it publishes there, may be the subject of other intellectual property rights it owns, including copyright, trademark or patent rights. Any such right that is not expressly licensed in the Rules is reserved by Visa. Visa also states that one or more patents apply to the site and to the features and services accessible through it, including US Patent No. 6,091,956 and all corresponding foreign counterparts.

Supporting quotations

One or more patents apply to this site and to the features and services accessible via the site, including without limitation: US Patent No. 6,091,956 and all corresponding foreign counterparts.

Any product, service, program, or technology described on the Visa Site may be the subject of other intellectual property rights (including but not limited to copyright, trademark, or patent rights) owned by Visa. Any such right that is not expressly licensed herein is reserved by Visa.

Any product, service, program or technology described in any document published by Visa on the Visa Site may be the subject of other intellectual property rights owned by Visa. Any such right that is not expressly licensed hereunder is reserved by Visa.

Qualifications & exceptions

• Only rights not expressly licensed in the Rules are reserved.

Not stated here

• The Rules do not list which other patents or rights apply, or which features and services they cover.

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.

Supporting quotations

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

Content & IP Rights · Restriction or exception

Images of people or places on the Visa Site cannot be used without express permission

Images of people or places displayed on the Visa Site are either Visa's property or used with Visa's permission. You and other third parties are prohibited from using these images unless the Rules or another part of the Visa Site expressly permits it. The Rules warn that unauthorized use may violate copyright laws, trademark laws, the laws of privacy and publicity, and other applicable regulations and statutes.

Supporting quotations

Images of people or places displayed on the Visa Site are either the property of, or used with permission by, Visa. Use of these images by you or other third parties is prohibited unless expressly permitted in the Rules or elsewhere on the Visa Site. Any unauthorized use of these images may violate copyright laws, trademark laws, the laws of privacy and publicity, and other applicable regulations and statutes.

Qualifications & exceptions

• Permission may be given in the Rules or elsewhere on the Visa Site.

Not stated here

• The Rules do not say whether the personal, non-commercial download permission for site material counts as express permission for these images.

Cross-references

• contrast (model-proposed): Site material may be downloaded for personal, non-commercial use only — The download card allows personal, non-commercial downloading of site material unless otherwise indicated, while the images card prohibits use of images of people or places unless expressly permitted. The Rules do not say whether the download permission counts as express permission for those images.

Content & IP Rights · Restriction or exception

Visa Site trademarks are not licensed to you, and misuse is prohibited

Trademarks, logos and service marks displayed on the Visa Site, registered or unregistered, are trademarks of Visa and others. Visa states that the Three Bands Design and "It's Everywhere You Want To" are registered trademarks of Visa in the United States and other countries, and that trademark denotations on the site indicate federal registrations in the United States. Nothing on the site should be read as granting, by implication, estoppel or otherwise, any license or right to use a displayed trademark without the written permission of Visa or the third party that owns it. Misuse of any trademark, or any other content displayed on the site, is prohibited.

Supporting quotations

The trademarks, logos and service marks, whether registered or unregistered (collectively the "Trademarks") displayed on the Visa Site are Trademarks of Visa and others.

the Three Bands Design and It's Everywhere You Want To are registered Trademarks of Visa in the United States and other countries (trademark denotations on the Visa Site indicate federal registrations in the United States).

Nothing contained on the Visa Site should be construed as granting by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Visa Site without the written permission of Visa or such third party that may own the Trademark. Misuse of any Trademarks, or any other content, displayed on the Visa Site is prohibited.

Qualifications & exceptions

• A license or right to use a mark exists only with written permission of Visa or the third-party owner.

Not stated here

• The quoted text names the mark as "It's Everywhere You Want To", which appears incomplete in the source; the Rules do not clarify what the full mark is.

Content & IP Rights · Company practice

Visa says it enforces its intellectual property rights through civil and criminal proceedings

Visa states that it "aggressively enforces" its intellectual property rights, including through civil and criminal proceedings. This is a statement of Visa's practice; the Rules do not describe any particular enforcement process.

Supporting quotations

Visa aggressively enforces its intellectual property rights, including via civil and criminal proceedings.

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.

Supporting quotations

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.

Content & IP Rights · Permission or license

Visa may use anything you send to the Visa Site for any purpose

Under the Submissions section, anything you send to the Visa Site may be used by Visa for any purpose, including reproduction, transmission, disclosure, publication, broadcast and posting. The paragraph just before it carves out your personal information, which the Rules say is addressed in the Privacy Policy, and says communications are treated as non-confidential unless the Privacy Policy states otherwise. This paragraph does not repeat that carve-out, and the Rules do not say how the two fit together.

Supporting quotations

Submissions

Apart from your personal information (which is addressed in the

Anything you send to the Visa Site may be used by Visa for any purpose including, but not limited to, reproduction, transmission, disclosure, publication, broadcast, and posting.

Qualifications & exceptions

• Personal information is addressed in the Privacy Policy rather than treated as non-confidential under the Rules.

Not stated here

• The Rules do not say whether this any-purpose use extends to your personal information, which the preceding paragraph sends to the Privacy Policy; that policy is not supplied here.

Cross-references

• qualified by (model-proposed): What you send to the Visa Site is treated as non-confidential and non-proprietary — 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.

Content & IP Rights · Permission or license

Submitting material to Visa.com irrevocably assigns your rights in it to Visa

By submitting material to Visa.com, you irrevocably transfer and assign to Visa, and forever waive and agree never to assert, any copyrights, "moral" rights or other rights you may have in that material.

Supporting quotations

By submitting material to Visa.com, you irrevocably transfer and assign to Visa, and forever waive and agree never to assert, any copyrights, "moral" rights, or other rights that you may have in such material.

Not stated here

• The Rules do not say whether this assignment reaches personal information, which the Submissions section sends to the Privacy Policy.

Content & IP Rights · Permission or license

Visa may use ideas and know-how in what you send without obligation

Visa is free to use, without obligation of any kind, any ideas, concepts, techniques or know-how contained in any communication you send to the Visa Site, for any purpose whatsoever, including developing, manufacturing and marketing products and services. The wording says Visa owes you nothing for this use.

Supporting quotations

Visa is free to use, without obligation of any kind, any ideas, concepts, techniques, or know-how contained in any communication you send to the Visa Site for any purpose whatsoever, including, but not limited to, developing, manufacturing, and marketing products and services.

Data Access & Collection · Permission or license

Visa may gather limited information about you and your usage and use it for any purpose

By using the Visa Site, you may submit, or Visa may gather, certain limited information about you and your usage of the site. Subject to the terms of the Privacy Policy, Visa is free to use that information for any purpose it deems appropriate.

Supporting quotations

By using the Visa Site, you may submit, or Visa may gather, certain limited information about you and your usage of the Visa Site. Subject to the terms of the

, Visa is free to use such information for any purpose it deems appropriate.

Qualifications & exceptions

• Use is subject to the terms of the Privacy Policy.

Not stated here

• The Rules do not list what information is gathered or how "limited" it is, and the Privacy Policy is not supplied, so its limits on this use are unknown here.

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.

Supporting quotations

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.

Supporting quotations

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.

Security & Safeguards · Restriction or exception

Visa takes no responsibility for viruses affecting your equipment from using the site

Without limiting the general liability exclusion, Visa assumes no responsibility for, and will not be liable for, any damages relating to or caused by viruses that may affect your computer equipment or other property because of your access to, use of or downloading from the Visa Site.

Supporting quotations

Without limiting the foregoing, Visa assumes no responsibility for, and will not be liable for any damages relating to or caused by any viruses which may affect your computer equipment or other property on account of your access to, use of, or downloading from, the Visa Site.

Security & Safeguards · Restriction or exception

Visa does not guarantee continuous, uninterrupted or secure access to the site

Visa states that it cannot and does not guarantee continuous, uninterrupted or secure access to the Visa Site.

Supporting quotations

Visa cannot and does not guarantee continuous, uninterrupted or secure access to the Visa Site.

Linking & Identification · Restriction or exception

Visa is not responsible for linked sites, and using them is at your own risk

Visa has not reviewed all of the sites linked to the Visa Site, and a link does not indicate approval or endorsement of any material on the linked site. Visa is not responsible for the contents of any linked site, and your connection to and use of any linked site is at your own risk.

Supporting quotations

Visa has not reviewed all of the sites which are linked to the Visa Site, and the fact of such links does not indicate any approval or endorsement of any material contained on any linked site. Visa is not responsible for the contents of any site linked to the Visa Site. Your connection to and use of any such linked site is at your own risk.

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.