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Visa Secure Terms of Service Agreement

This Agreement provides the terms of service with Star One Credit Union (Star One) about Visa Secure and how your information is used to authenticate you during use he of your Star One debit or credit cards. In this Agreement, "we," "us," or "our" refers to Star One, and "you," "your," or "yours" refers to the cardholder who uses or authorizes another person to use the Visa Secure service.

Acceptance of Agreement Terms. Star One provides its Visa Secure service subject to the following TOS. This Agreement may be updated by us from time to time without notice to you. You can review the most current version of the Agreement at any time on our website: www.starone.org. In addition, when using Visa Secure, you shall be subject to any posted guidelines or rules applicable to this service which become effective immediately after being posted on our website. You agree that your use of Visa Secure represents your acceptance of this Agreement and your continued use of Visa Secure after you have been advised of revisions to this Agreement represents your acceptance to such revised terms. You must cancel your transaction or use an alternative payment method if you do not want us to verify you using Visa Secure. We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently, Visa Secure (or any part thereof) with or without notice.

Age & Responsibility. You represent that you are of sufficient legal age to use Visa Secure and to create binding legal obligations for any liability you may incur in using Visa Secure. You agree that you are financially responsible for all uses of Visa Secure by you and those authorized by you to use your verification information.

Description of Authentication Service. Visa Secure provides increased security when conducting online transactions. If your Star One credit or debit cards is used online at a participating merchant, we may ask to verify your identity by sending a one-time passcode to an email or phone number we currently have on file. You may select the method in which you will receive your one-time passcode by selecting the mobile number or email that is displayed on the website during the transaction. This additional verification is to confirm the identity of the individual performing the online transaction. This additional authentication is in place to reduce the incidence of fraud on your account. We may give information about you to any service provider that assists us in providing the Visa Secure service. If you are unable to or do not wish to receive a one-time passcode to authenticate your payment will not be processed. Once your payment is cancelled, you may contact us for assistance with your transaction or use use an alternative method of payment if you wish to proceed with your online purchase.

Cardholder Obligations & Security. Only purchases through participating retailers are subject to this additional Visa Secure security layer. The Visa Secure service does not provide you with any additional rights regarding the quality or fitness for purpose of the goods or services that you purchase. In order to use Visa Secure, you must have the ability to access the World Wide Web and must pay any service fees associated with such access. You agree not to: (i) impersonate any person or entity using Visa Secure; (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 by Visa Secure; or (iii) violate this Agreement or any requirements, procedures, policies or regulations of Visa Secure. You agree not to transfer or sell your use of, or access to, Visa Secure to any third party. You acknowledge and agree that, except as otherwise provided by Applicable Law or in our Card Agreements with you, we shall not be liable for any loss or damage arising from your failure to comply with this Agreement.

Dealings With Merchants. Your communications or business dealings with, or participation in promotions of, online retail or other merchants on or through Visa Secure, 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 Agreements with you, we 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 Visa Secure does not, in any way, indicate that we recommend or endorse any merchant, regardless of whether the merchant participates in Visa Secure.

Privacy. Star One's Visa Secure service providers may store your phone number and email address information provided to perform this service. We will not disclose your information to any online retailer. You acknowledge and agree that Star One may disclose your information if required to do so by applicable law and in our good faith belief that such disclosure is permitted by applicable law. All personally identifiable information about you is subject to the Star One Privacy Policy available for your review at www.starone.org.

Liability & Disclaimer of Warranties. You agree that we shall not be liable to you or any third party for any modification, suspension or discontinuance of Visa Secure. 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 Visa Secure. We assume no responsibility for, and will not be liable for, any damages to, your phone or computer equipment or other property on account of your access to, or use of, the Visa Secure service. You expressly understand and agree that use of Visa Secure is used at your own discretion and risk and that except as otherwise provided in this Agreement, you will be solely responsible for any damage to your computer system or loss of data that results from the use of Visa Secure. EXCEPT AS OTHERWISE REQUIRED BY ANY APPLICABLE STATE LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT Visa Secure 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.

Termination. We may temporarily or permanently deactivate your ability to use Visa Secure and terminate the service with us at any time. We may suspend or terminate your use of the Visa Secure service immediately: if you breach your Agreements with us; if we suspect someone else is using or attempting to use your card or making or attempting to make a payment without your authority; if we are required to do so by any party assisting us in providing the Service.