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To the extent I access the Visa Partner Portal, the following Terms
apply:  https://partner.visa.com/site/terms.html

Visa Developer Center Terms of Use, Version: Apr 19, 2018

This Visa Developer Center Terms of Use (this “Agreement”) is a legally binding
contract between you, the individual end user, together with any company that
employs you or that you represent (collectively, “You” or “Your”) and Visa
International Service Association or its Affiliates (“Visa”) and applies to Your
use of any Developer Program or related Materials offered by Visa or its
Affiliates. By (i) clicking “I Accept” or a similar affirmation as it appears
below, or (ii) accessing or using a Developer Program or related Materials, You
acknowledge and agree that Your use of a Developer Program and any related
Materials made available to You will be governed by this Agreement. If at any
time You do not agree to the terms of this Agreement or Terms of Use for any
Developer Program, You must immediately terminate all use of the Developer
Program and related Materials. Capitalized terms which are not otherwise defined
herein are defined in Section 15.16 below.


Visa may make separate Developer Programs available for different Applications
and/or Visa Services. Each Developer Program may include access to certain
Materials for the particular Developer Program. Access to each Developer Program
may be subject to separate approval by Visa and additional terms and conditions.
Visa may limit access to each Developer Program, in its sole discretion. You may
only access the Developer Programs and associated Materials for which You have
been given access by Visa.

1. Your Capacity and Related Matters. You represent and warrant that: (i) all
information You have provided and will provide to Visa is true, correct and
complete in all respects; (ii) You will update Visa by email or other method as
designated by Visa with any changes to information You have previously supplied;
(iii) no authorization or approval from any third party is required in
connection with Your execution, delivery or performance of this Agreement, (iv)
You have the legal right, power and authority to accept the terms and conditions
of this Agreement on Your own behalf and on behalf of any company that employs
You or that You represent; (v) this Agreement constitutes a legal, valid and
binding obligation, enforceable against You (including any company that employs
You or that You represent) in accordance with its terms; (vi) Your obligations
under this Agreement do not violate any law or any Visa Rules, to the extent
applicable, or breach any other agreement to which You are bound; and (vii) any
materials You provide, create or develop that are in any way related to this
Agreement, or the use thereof, do not and will not infringe any Intellectual
Property Rights of any third party; and (viii) You are not a Restricted Person.

2. Account Enrollment.

2.1. Account Enrollment. In order to use a Developer Program, You must register
for a Developer Account. You must select a username, email address or other ID
and password to enable You to access Your Developer Account and use a Developer
Program and related Materials. The registration must include the name of any
company that employs You or that You represent and on whose behalf You are
entering into this Agreement, as well. You agree not to share your login
credentials with any other person. You agree to notify Visa immediately of any
unauthorized use of Your password or Developer Account or any other breach of
security. If any Authorized Users will access the Developer Account, the
Authorized Users must have their own login credentials and agree to the terms of
this Agreement. You must restrict access to Your Developer Account solely to
Authorized Users. Visa may require You to change Your Developer Account password
from time to time at its sole discretion. If You do not change your password
within the respective time frame provided by Visa, You may get locked out of
Your Developer Account. You acknowledge and agree that your login credentials
for Your Developer Account will also enable access to the Visa Ready Partner
Portal under https://visaready.visa.com/ and that the terms of this Agreement,
the Privacy Notice and also additional terms of use and privacy notice for the
Visa Ready Partner Portal apply to your access to the Visa Ready Partner Portal
(the “Visa Ready Use and Privacy Notice”).  You agree and acknowledge that you
will comply with the Visa Ready Use and Privacy Notice.

2.2. Developer Verification and Authentication. You understand and agree that
Visa may require You to submit, and Visa will collect, certain information, both
public and non-public, about You during the online enrollment process for the
purpose of considering Your eligibility for a Developer Account to access a
Developer Program, and to authenticate Your identity. You further understand
that Visa may transfer the information You provide us to third parties and
Affiliates assisting Visa in the provision, administration and management of,
and in evaluating Your eligibility for, a Developer Program. Visa reserves the
right to approve, decline, suspend or terminate Your Developer Account at any
time in its sole discretion.

2.3. Costs and Expenses. You are solely responsible for all costs and expenses
related to Your use of the Developer Programs and Materials, including the
development of any Applications, as applicable. In any event, Visa will not
reimburse you for any costs or expenses.

3. Licenses.

3.1. Developer Programs.

3.1.1. Subject to and conditioned upon Your compliance with the terms and
conditions of this Agreement, Visa grants You a personal, nonexclusive,
nonsublicensable, nontransferable, revocable, limited license, solely in the
Territory, during the term of this Agreement, to: (i) use, reproduce and create
derivative works of the Licensed Components solely for the purpose of developing
and testing Applications within the Test Environment using the Test Data,
provided that the APIs are not modified and interoperability with the Visa
Services is maintained in accordance with the applicable Documentation; (ii) use
the Test Environment and Test Data in accordance with the applicable
Documentation to test Your Application, including test transactions, test batch
upload features, sample reports, and test and simulation of transaction
responses. You agree that you will use the Materials for your own personal,
non-commercial use for testing purposes only. Additional usage rights made
available to You by Visa in its sole discretion, if any, shall be subject to the
terms of this Agreement and any additional Terms of Use for such Developer
Programs. Any reproduction or use of the Licensed Components or other Materials
shall include attribution to Visa as the source and additionally shall contain
all copyright and other proprietary notices or legends found on the original.
Upon entering into a VDP API Agreement with Visa, Solution Approval by Visa and
subject to any conditions therein, the license in this Section 3.1.1. shall
convert from an evaluation to a production license to use the APIs identified in
the VDP API Agreement, during the term of such VDP API Agreement, to enable
solutions in support of Visa products, programs and services, limited to your
solutions offered to Visa Cardholders and subject to all other limitations in
this Section 3.1.1, the VDP API Agreement and any API-specific terms in the
schedules to the VDP API Agreement.

3.1.2. You agree that: (i) You are responsible for your use of the Test
Environment and Your use and handling of all Test Data, whether provided by Visa
or submitted by You as well as any data generated or derived from that data;
(ii) Visa has no obligation to maintain such Test Data on its servers and
reserves the right to delete from its systems all such data on regular intervals
without notice; (iii) only simulated Test Data may be submitted or uploaded on
or through Your Developer Accounts (e.g., real account numbers, names,
addresses, and other Personal Information may not be used for testing purposes,
and may not be submitted or uploaded on or through a Developer Account); (iv)
load testing a Developer Account or Visa Services is not permitted;  (v) Visa
has no obligation to monitor or validate any information submitted or uploaded
by You on or through a Developer Account; and (vi) You agrees to provide Visa
with reasonable cooperation and assistance as may be required to launch and
manage Your participation in any capabilities or APIs hereunder, including
assigning a project manager for the duration of an applicable VDP API Agreement.

3.1.3. Notwithstanding anything to the contrary, You shall not (and shall have
no right to):

alter or remove any copyright, trademark, trade name or other proprietary
notices, legends, symbols or labels appearing on or in the Materials or any
reproduction thereof;

sublicense (or purport to sublicense), distribute or disclose any of the
Materials, in whole or in part, to any third party or use the Materials on a
service bureau basis or otherwise on behalf of any third party;

distribute or otherwise provide all or any portion of the Materials outside of
the Territory or otherwise use or export any Materials in violation of
applicable laws or regulations;

engage in any activity, including the development or distribution of any
software (whether in the form of object code or source code), that interferes
with, disrupts, damages, or accesses in an unauthorized manner any Visa Services
or any Visa platforms, servers, or systems, or those of any of its Affiliates or
any third party;

make any statements that Your product or service is “certified” or otherwise
endorsed, or that its performance is guaranteed, by Visa or any of its
Affiliates;

decompile, reverse engineer, disassemble, rent, lease, loan, distribute, or,
except as expressly set forth in Section 3.1.1(i), create derivative works from
the Materials or any portion thereof;

use the Materials or any associated data or content, or extract, scrape or
otherwise deconstruct any of the Materials or any associated data or content,
for the purpose of using individual data elements (e.g., geocodes), combining
data elements (e.g., routes or paths), compiling, enhancing, verifying,
supplementing, or otherwise modifying databases, lists, or directories of any
kind, including, but not limited to, marketing purposes, location databases,
mailing lists, contact lists, marketing lists, geographical directories, or any
other compilation or collation of information which is sold, rented, published,
distributed or in any manner supplied to a third party;

attempt to circumvent any security measures or technical limitations;

use the Materials or any associated data or content in any manner or for any
purpose that violates any Law or any right of any person, including but not
limited to any Intellectual Property Rights or rights of privacy;

use the Services for providing any credit reporting information or for any
“permissible purpose” as defined by the Fair Credit Reporting Act; or

otherwise use or exploit the Materials for any purpose other than as expressly
permitted by this Agreement.

3.1.4. No Support. Visa has no obligation to provide support, maintenance,
updates, upgrades, modifications or new releases of any Materials (“Updates”).
If Visa does elect, in its sole discretion, to provide any Updates, the terms of
this Agreement will govern such Updates, unless accompanied by a separate
license, in which case the terms of that license will govern. Visa reserves the
right to limit, modify, or terminate any capabilities or APIs offered hereunder
at any time.

3.1.5. Open Source Software. The Materials may contain software that is subject
to terms that, as a condition of use, copying, modification or redistribution,
require such software and derivative works thereof to be disclosed or
distributed in source code form, to be licensed for the purpose of making
derivative works, or to be redistributed free of charge, including without
limitation software distributed under the GNU General Public License or GNU
Lesser/Library GPL (“Open Source Software”). To the extent any such license
requires terms with respect to such Open Source Software that are inconsistent
with this Agreement, then such rights in the applicable Open Source Software
license shall take precedence over the rights granted in this Agreement, but
solely with respect to such Open Source Software. You acknowledge that any
applicable Open Source Software license is solely between You and the applicable
licensor of the Open Source Software and that You shall comply with the
applicable Open Source Software license. You agree not to use any Open Source
Software in the development of Your Application in such a way that would cause
any portions of the Materials to be subject to any Open Source Software
licensing terms or obligations.

3.2. Licenses to Visa. You grant Visa and Visa Affiliates a non-exclusive,
non-transferable license during the term of this Agreement to (i) use Your
Applications and review the code in Your Applications for testing and other
related purposes to ensure that it complies with this Agreement, (ii) make
general public statements to the media, including press releases, announcements,
marketing materials, and publicly through any channel or medium, that refer to
You in plain text by name or using Your Trademarks with respect to the Developer
Program, progress of the Developer Program, or Your participating in, access to
and use of the Developer Program and Visa’s product, programs and services, the
Materials and Your Application without obtaining Your prior consent, provided
that the disclosure is accurate and not misleading or disparaging, and (iii)
reference Your participation in the Services and Developer Program in its
regulatory filings and to disclose this Agreement and an applicable VDP API
Agreement in responding to regulatory inquiries; provided, however, that Visa
shall not have any obligation to publicize Your usage of a Developer Program,
the Materials or Your Application.

3.3. During and after the Term, You, on behalf of yourself and your Affiliates,
hereby agree not to assert, authorize, assist, or encourage any third party to
assert, against Visa or any Visa Affiliates, customers, vendors, business
partners or licensors associated with the Developer Program or the Materials,
any patent infringement claim regarding the Developer Program or the Materials
or any portion, functionality or other characteristics thereof.

4. Compliance with Law, Application Requirements, Visa Guidelines and Payment of
Fees.

4.1. You agree to comply, at Your own expense, with all local, state, regional,
national, foreign, international or other laws, policies, guidelines, standards,
regulations, ordinances, rules, orders and judgments applicable to You, Your
business, the Developer Account, the Materials or the Applications developed
hereunder, including, without limitation, the Visa Rules, all applicable privacy
requirements, including any privacy notice compliance, to the extent required by
Privacy and Data Protection Regulations , and all applicable Trade Restrictions
(all of the foregoing, collectively, “Laws”). You shall not use the Developer
Account, Developer Program or any Materials in any manner, or in furtherance of
any activity, that may cause Visa to be in breach of applicable Laws or subject
to investigation, prosecution, or legal action.

4.2. Any Application developed using any of the APIs or other Materials must
comply with the following criteria and requirements:

4.2.1. For Applications that use location-based APIs or offer location-based
services or functionality, You and the Application must comply with the data
privacy requirements set out in Sections 6.5 and 6.6.

4.2.2. Applications may not be designed or marketed for the purpose of
harassing, abusing, stalking, threatening or otherwise violating the legal
rights (such as the rights of privacy and publicity) of others.

4.2.3. Applications may not use any robot, spider, site search or other
retrieval application or device to scrape, retrieve or index services provided
by Visa or its licensors, or to collect information about users for any
unauthorized purpose.

4.2.4. You must either own all content used in Your Application, or have
permission from the content owner to use it in Your Application.

4.2.5. Applications must not contain any malware, malicious or harmful code,
program, or other internal component (e.g., computer viruses, trojan horses,
“backdoors”) which could damage, destroy, or adversely affect other software,
firmware, hardware, data, systems, services, or networks.

4.3   Application or Solution Review under VDP API Agreements; Endpoints

4.3.1 You shall submit each Application or other solution developed through use
of the APIs or Developer Program or proposed to access the APIs or Services
(including any product, service, feature, or functionality) to Visa for review
and approval in accordance with the solution approval process, certification
process or other technical, functional, brand or consumer experience review in
accordance with Visa’s documents or procedures for such APIs or Services.  Each
such request from You must fully describe each such proposed Application or
solution in writing, including all use cases with and for which the proposed
Application or solution will be used and whether You intend or propose to
resell, bundle or act as a system integrator with respect to the proposed
Application, solution, or any functionality, component or aspect thereof.  Visa
will determine whether to approve, certify, authorize or otherwise permit any
such proposed Application, solution, or manner of usage for participation in the
Developer Program or access to the APIs or Services, subject to conditions,
restrictions, or other required corrections as Visa may specify (“Solution
Approval”).  Visa reserves the right to revoke any such approval or
certification upon changes in the Application or solution or changes in Visa’s
requirements, as further described in Visa’s documents or procedures for such
APIs or Services.  You shall perform all development or correction as may be
needed or specified by Visa to meet Visa’s requirements.  After such approval or
certification process has been completed, You shall make such approved or
certified Applications or solutions available to companies, issuers, merchants,
consumers or other end users as may be further specified in Visa’s
documentation.  On an ongoing basis, You shall notify Visa of any changes to the
Application, solution, or usage and resubmit such updated proposed Application,
solution or usage for Visa’s review and approval in accordance with this
Solution Approval process.  Visa reserves the right to request further
information, revoke, revise, require correction or resubmission of any
Application, solution, request for usage, solution approval, qualification or
certification and Visa reserves the right to set forth additional conditions or
criteria upon review of the submitted information. Visa’s Solution Approval does
not constitute any representation or acknowledgement by Visa that the
Application complies with applicable Laws and Visa shall not be responsible or
liable in connection with such requirements.

4.3.2. In the event and only to the extent that Visa expressly approves, in
writing, any usage of a proposed Application or solution to be resold, bundled
or enabled through system integration services and any endpoints, You shall be
responsible for ensuring that any endpoints (e.g., companies, issuers,
merchants, consumers, or other end users, as applicable) who access such
Applications or solutions meet Visa’s requirements set forth in this Agreement
and the VDP API Agreement and as further described in Visa’s documents or
procedures for such APIs or Services. For clarity, You shall be responsible to
flow-down obligations, commitments and covenants under this Agreement and the
VDP API Agreement (e.g. including allowing Visa or its designees to directly
audit or access any endpoints to ensure compliance with all such terms,
confidentiality, usage restrictions, compliance by endpoints with security
requirements and standards, etc.) to any endpoints and cooperate with Visa to
enable enforcement of such obligations, commitments and covenants.  Visa
reserves the right to immediately terminate access to APIs or Services through
any Application or solution with respect to any endpoint.

4.4 Any fees set forth in the VDP API Agreement are subject to the following
additional invoicing and payment provisions – however, different requirements
might apply for regions outside of the US and will be set forth in the
respective VDP API Agreement:

4.4.1. Invoicing Procedures.  Visa will invoice charges on a monthly basis and
invoices will be made available through Visa Online, or if You do not have
access to Visa Online then invoices will be made available through an
alternative method, after five (5) days following the last day of the month. 
You will pay such amounts to Visa electronically from Your designated settlement
account.  Collection will occur via ACH or Base II settlement BIN on the 15th of
the month or the next business day. You agree to pay all fees in United States
dollars, unless otherwise specified in the VDP API Agreement. If You are a Visa
Client, Visa may invoice You for any fees (including any implementation fees and
early termination fees) through Global Member Billing Solutions (“GMBS”), in
which case the fees shall be payable upon receipt of the respective invoice.

4.4.2. Late Payments. All overdue payments to Visa shall bear interest at the
rate of one and one half 1.5% per month (equal to 18% annually) or the maximum
rate permitted by law (whichever is less).  In addition, You shall be liable to
Visa for all attorneys’ fees and other costs of collection Visa incurs in
collecting any unpaid amounts.

4.4.3. Taxes. Unless otherwise agreed to by Visa, all fees and other charges
described in an invoice shall be deemed to be exclusive of all sales, use,
value-added taxes, income, gross-receipts and other taxes, as well as all
duties, excises, levies, assessments and the like in connection with Your
participation in any of the Services, (collectively, “Taxes”), and You shall be
responsible for and pay all Taxes, however designated, which are levied or based
on the VDP API Agreement (excluding any Taxes that are assessed on Visa’s net
income).  Visa is eligible to claim such Taxes as may be levied on or payable by
Visa from You over and above the fees charged in relation to the VDP API
Agreement.  Accordingly, payment of fees under the VDP API Agreement shall be
made in full, free and clear of any deductions and set-offs and without
deduction or withholding for or on account of any present or future Taxes now or
hereafter withheld or assessed by any governmental authority.  If any such Taxes
are required to be withheld from any amounts payable to Visa or are so assessed,
the amounts so payable to Visa shall be increased to the extent necessary to
yield to Visa (after deduction or withholding of all such Taxes) a net amount
equal to the amount it would have received had no such deduction, assessment or
withholding been made.  If and to the extent that You pay over any withholding
tax (or any other taxes with respect to which Visa bears a liability) to any
national, provincial or local government as a result of any payments made to
Visa or any Affiliate of Visa, You agree to provide Visa with proof of such
payments within 30 days of payments to the corresponding taxing authorities.
This proof shall comprise receipts issued by the relevant governing body
evidencing the tax remitted. You shall provide original certificate, duplicate
original certificates or certified or authenticated copies of the original
certificates.  If as a result of non-withholding of Taxes by You, any tax,
interest or penalty is levied on Visa by any governmental authority, such tax,
interest and penalty shall be solely to Your account and shall be recovered in
full by Visa from You.  You will pay Visa any sales, use, value added or other
similar Taxes it owes due to the VDP API Agreement and which the law requires
Visa to collect from You.

5. Developer Community.

5.1. Rules of Conduct. You acknowledge that You are solely responsible for Your
Application and the content and consequences of the material You post or
otherwise provide, including their legality, reliability, appropriateness, and
trademark and copyright ownership. You grant Visa and the users of this
Community the perpetual, irrevocable, nonexclusive right and license to display,
use, copy, modify, publish, distribute, transmit, print, and otherwise exploit
any such material without restriction. You agree that You shall not upload, post
or transmit to or distribute through the Community any materials (including
text, links, communications, software, images, sounds, data, or other
information) that may:

5.1.1. contain any Confidential Information or any confidential information of
Your company, or any other person or entity, including, but not limited to,
proprietary information, trade secrets, Personal Information, cardholder
information and the terms of Visa-related agreements;

5.1.2. be false, libelous, defamatory, obscene, pornographic, indecent, lewd,
harassing, threatening, harmful, invasive of privacy or publicity rights,
abusive, inflammatory, illegal or otherwise objectionable or injurious to third
parties;

5.1.3. constitute or encourage conduct that is unlawful or would constitute a
criminal offense, give rise to civil liability or otherwise violate any Law;

5.1.4. violate, misappropriate or infringe any Intellectual Property Rights or
other rights of any third party;

5.1.5. constitute advertising, junk mail, spam, chain letters, or any other form
of unauthorized solicitation;

5.1.6. contain viruses, trojans, worms, logic bombs or other material that is
malicious or technologically harmful or would constitute a denial-of-service
attack or a distributed denial-of service attack; or

5.1.7. otherwise violate Visa's Privacy Notice or any Terms of Use.

5.2. Usage Guidelines. While using the Community, You agree that You will:

5.2.1. be courteous and respectful of others;

5.2.2. keep Your posts relevant to the payment industry and Visa's products,
services and programs;

5.2.3. act responsibly to protect Visa's, any third party's, Your and Your
company's private and confidential information; and

5.2.4. remember that it is possible that information appearing in the Community
could be incorrect, incomplete, unclear or misleading.

5.3. Moderator Role. In its sole discretion, Visa may select or retain one or
more moderators or Visa may utilize tools to enable moderation functionality.
Such moderators may have rights and privileges to, among other things as
determined in Visa's sole discretion, edit/delete posts and posted materials,
close threads, and block users from using the Community. Visa or the moderators
may remove any materials (before or after posting) or block user access that, in
its sole discretion, do not comply with the current applicable Terms of Use,
including the terms of this Agreement, or that are otherwise inappropriate for
this Community. Visa is not responsible and shall have no liability for any
removal of materials or blocking of users, or any failure or delay in removing
any such materials or blocking such user access. To report any concerns or
possible violations of any Terms of Use, please write to developer@visa.com or
such other support email address designated at a Developer Program website.
Please include in Your email the post's subject, the post author's screen name,
a link to the post in question and any other applicable information.

5.4. Links. You may find posts that contain hyperlinks to content hosted and
maintained by third parties. The linked sites are not approved or controlled by
Visa and Your access to any linked site is at Your own risk. Visa makes no claim
or representation regarding, and accepts no responsibility for, sites accessible
by hyperlink from the Community.

5.5. User Content. Material supplied by users of the Community is the sole
responsibility of the person originating the material and Visa does not control
or monitor, and disclaims all liability for, such material.

5.6. Submissions. Visa's policy is to not accept or consider unsolicited
submissions, including, without limitation, ideas, suggestions or materials,
either via the Developer Program website, email or other means. You understand
we may or may not review unsolicited submissions. However, if You do still
transmit to us, via the Developer Program website, email or otherwise, any
unsolicited submission or any feedback, input, suggestions, reports, data or
recommendations, in writing, orally, by demonstration or otherwise, concerning
the Developer Program or any Materials or Visa Services (collectively, “Input”),
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 or exploit such Input and any related Intellectual
Property Rights, together with Your name, image, and likeness and company name,
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 Input you provide for any purpose whatsoever, including,
without limitation, developing and marketing products, services and content.
Furthermore, any Input You transmit to Visa, even if marked as confidential,
shall not create any confidentiality obligations on the part of Visa unless
otherwise agreed in a separate, signed agreement.

6. Data Privacy and Security.

6.1. Visa and its Affiliates may collect, transmit, maintain, process, share,
disclose, and use technical and related information, including but not limited
to information about You, Your Authorized Users, Your Applications, and Your
computers, system software, other software and peripherals. The Visa Privacy
Notice describes how the platform collects, transmits, maintains, processes,
shares, discloses, protects and uses Personal Information, including in
connection with any news and updates sent to You by email.

6.2. Visa has the right to disclose Your identity to any third party who is
claiming that any content posted, uploaded, transmitted or distributed by You
through the Community constitutes a violation of their intellectual property
rights, or of their right to privacy provided that Visa is under a legal
obligation to disclose such information.

6.3. We may offer You the choice to receive news and updates by email. No fee is
charged for sending news and updates emails to You, but third-party data rates
may apply.

6.4. You are solely responsible for the security of data residing on server(s)
or other systems owned or operated by You, or a third party designated by You
(e.g., a web hosting company, processor, or other service provider). You agree
that You will comply with all applicable Visa security protocols and security
advisories in effect during the term of this Agreement. You acknowledge that
Visa shall not be liable for any improperly processed or unauthorized
transactions or illegal or fraudulent access to Your Developer Account. You
shall comply and require all third parties with which You have relationships to
comply with all applicable Laws governing the security, collection, retention
and use of financial information, including card payment account and transaction
data, and all other customer Personal Information, including the Payment Card
Industry Data Security Standards (“PCI DSS”), as further specified in Section
10.5 and 10.6 below and applicable.

6.5. For Applications that use location-based APIs or that collect, transmit,
maintain, process, share, disclose or otherwise use an end user's Personal
Information, You and the Application must comply with all Privacy and Data
Protection Regulations with respect to any collection, storage, transmission,
maintenance, processing or use of the user's location data or Personal
Information by the Application.

6.6. Applications that offer location-based services or functionality must
notify and obtain consent from an end user before his or her location data is
collected, transmitted or otherwise used by the Application.

6.7 You agree and acknowledge that data fields and content provided by or
accessible through the API(s) are for informational purposes only and not
intended to be relied upon as or deemed to be any form of financial, business,
tax or legal advice.  Information may not be accurate or current.  You should
seek independent verification or advice. If You provide Visa with Cardholder
Information (including device ID and other personal identifying information that
may be subject to Privacy and Data Protection Regulations), You represent and
warrant that You have the right and authority and/or has obtained permissions or
consents necessary to disclose this information to Visa and for Visa to use such
information for purposes of providing the Services hereunder to You. You will
also be responsible for establishing and monitoring internal user administration
and activity within Your organization, implementing security measures and
ensuring compliance with local governing law.  You shall have obligations to
monitor and report fraud activity to Visa. You are responsible for providing
authentication of participating cardholders and for any liability arising from
authentication issues. IN FURTHERANCE THEREOF AND EXCEPT AS SET FORTH IN THE
TERMS FOR ANY SPECIFIC SERVICES, VISA EXPRESSLY DISCLAIMS ANY RESPONSIBILITY
AND/OR LIABILITY FOR VERIFYING OR AUTHENTICATING THE IDENTITY OF ANY CARDHOLDER
AT ANY TIME, INCLUDING ANY RESPONSIBILITY TO VERIFY OR AUTHENTICATE A CARDHOLDER
PRIOR TO TRANSMITTING AN ALERT OR NOTIFICATION.

6.8 Upon Your use of APIs with production credentials, You agree and acknowledge
that You will comply with the Security and Penetration Testing Terms , which
shall be incorporated by reference into this Agreement.

7. Term.

This Agreement shall commence on the date You indicate Your acceptance of the
terms and conditions hereof and shall remain in full force and effect until the
earlier of (a) the date terminated as permitted hereunder, or (b) the date You
(i) become a Restricted Person, (ii) make a general assignment for the benefit
of creditors, (iii) file a voluntary petition of bankruptcy, suffer or permit
the appointment of a receiver for its business or assets, (iv) become subject to
any proceedings under any bankruptcy or insolvency law where such proceedings
have not been dismissed within sixty (60) days, or (v) have wound up or
liquidated, voluntarily or otherwise.

8. Termination.

8.1 Termination for Material Breach.  Either party may terminate this Agreement
or Your use of a particular capability or API hereunder by written notice in the
event of a material breach of any provision of this Agreement by the other party
that remains uncured for a period of thirty (30) days following written notice
of the breach by the non-breaching party stating its intent to terminate.  Any
notice of termination under this Section 8.1 shall set forth the basis for the
claimed breach.

8.2 Termination for Convenience. If no current VDP API Agreement is in place,
either party may terminate this Agreement or Your sandbox use of a particular
capability or API hereunder at any time with written notice to the other party.
If a current VDP API Agreement is in place, either party may terminate this
Agreement or Your use of a particular capability or API hereunder anytime by
providing 90 days’, written notice to the other party.

8.3 Additional Termination Rights. Additional termination and suspension rights
and wind down obligations may result from an unauthorized change in the intended
use of the API from a business standpoint or a decision made by Visa to change
or terminate parts of the program. There may be other factors that lead to
termination by Visa that will be evaluated on a case-by-case basis.

8.4. Effect of Termination or Agreement Expiration. Any termination of this
Agreement will also terminate any VDP API Agreement that may be in effect at the
time of such termination. Upon expiration or termination of the Agreement for
any reason, all rights and licenses granted to You under this Agreement shall be
extinguished, and You shall immediately cease using any Developer Account,
Developer Program, APIs, Confidential Information and Materials and any
derivative work thereof and you will promptly return to Visa, at no cost to
Visa, all Materials, Visa Confidential Information and property, and all copies,
extracts and derivative works of the foregoing, together with any and all
documents, notes and other materials regarding such information. Alternatively,
if so directed by Visa, You will destroy, at no cost to Visa, all Visa
Confidential Information according to Visa’s instructions or relevant industry
best practices if no instructions are provided, and all copies thereof, in Your
possession or control, and will provide a certificate signed by an officer of
You that certifies such return or destruction in detail acceptable to Visa.
 Sections 1, 2.3, 3.1.2, 3.1.3, 3.3, 4.1, 5.1, 5.6, 6, 9-14,15.10, 15.12, 15.13
and 15.16 shall survive any termination of this Agreement.

9. Intellectual Property

9.1. Visa. As between Visa and You, Visa owns, and shall retain, all right,
title and interest in and to the Visa Services, Developer Program, Developer
Account, Materials (including all SDKs and APIs, including results of API
calls), Documentation, and Visa Trademarks, any derivatives of the foregoing,
and all Intellectual Property Rights therein or associated therewith
(collectively, “Visa IP”). No title to or ownership of any Visa IP is granted or
otherwise transferred to You or any other entity or person under this Agreement
or an applicable VDP API Agreement.  You hereby assign and shall assign to Visa
any right, title or interest that You may obtain in Visa IP.

9.2. Use of Trademarks and Brand Assets. Nothing in this Agreement, an
applicable VDP API Agreement or any Developer Program or Services hereunder
grants You any rights to use any Visa Trademarks or Visa branding experience
(including audio, visual or haptics, collectively the “Visa Brand Assets”). For
the avoidance of doubt, any Developer Program or Services that You are granted
access to under this Agreement or any VDP API Agreement that includes any Visa
Trademarks or Visa Brand Assets does not constitute a license to use such Visa
Trademarks or Visa Brand Assets. If You make reference to any products, services
or technology of Visa, You shall strictly comply with all standards and
guidelines with respect to Visa's Trademarks and Visa Brand Assets contained
herein or which may be furnished or made available to You from time to time. All
uses of any Visa Trademarks and Visa Brand Assets shall inure to the benefit of
Visa.

9.3. Trademark and Visa Brand Assets Restrictions. You shall not: (a) use Visa
Trademarks or Visa Brand Assets except to the extent You have been expressly
authorized by Visa or to the extent You are acting on behalf of Visa Clients
that Visa has authorized accordingly; (b) take any actions inconsistent with
Visa's ownership of Visa Trademarks and Visa Brand Assets and any associated
registrations (including by using, registering or attempting to register any
Visa Trademarks or Visa Brand Assets or trademarks or domain names that are
confusingly similar to any of the Visa Trademarks or Visa Brand Assets), or
attack the validity of Visa Trademarks or Visa Brand Assets or its ownership
thereof, or any of the terms of this Agreement; (c) use or create a combination
mark consisting of one or more of Visa Trademarks; (d) use Visa Trademarks or
Visa Brand Assets in any manner that would indicate You are using such
Trademarks or Visa Brand Assets other than as a licensee of Visa; or (e) assist
any third party do any of the same.

9.4 Suspension Due to Claim.  In the event of any claim, suit or action alleging
that the VDP, APIs, Materials, or an Application developed by You through use
thereof, in whole or in part, infringes or misappropriates any Intellectual
Property Rights, Visa in its sole discretion may suspend provision of the APIs
or Services and operation of the Developer Program for Applications developed by
You through use thereof under this Agreement or an applicable VDP API Agreement
to cease or avoid such allegations and will provide prior written notice to You
of such suspension. 

10. Confidential Information.

10.1. You agree to hold all Confidential Information in strict confidence, not
to disclose, distribute or disseminate the Confidential Information or
information derived therefrom in any way to any third party and not to use the
Confidential Information for Your own benefit or the benefit of others, or for
any purpose except in connection with Your exercise of Your rights and Your
performance of Your obligations under this Agreement and an applicable VDP API
Agreement. To the extent that any Authorized User will have access to
Confidential Information, You agree that each such Authorized User (a) is
reasonably required to have such access to effect the purpose of this Agreement,
and (b) has written and binding agreements with You to protect the unauthorized
use and disclosure of Confidential Information consistent with the terms and
conditions hereof. You agree to insure the protection of all Confidential
Information from unauthorized disclosure and in any event, to take precautions
at least as great as those taken to protect Your own information of a similar
nature, but in no event less than the equivalent of a reasonable degree of care.
You agree that the existence and terms and conditions of this Agreement and an
applicable VDP API Agreement will be Confidential Information. Upon Visa's
request, You will return or destroy (and certify such destruction to Visa's
reasonable satisfaction) all materials, in any medium, that contain, embody,
reflect or reference all or any part of any Confidential Information. You
acknowledge that breach of this Section 10.1 may result in irreparable harm to
Visa, for which money damages may be an insufficient remedy, and therefore Visa
will be entitled to seek injunctive relief to enforce the provisions of this
section without requirement of posting a bond or providing special evidence. You
will be liable to Visa for any breach of this Section 10 by Your Personnel in
the same manner as a breach by You. 

10.2. For avoidance of doubt, You may not use or disclose any Materials or
Confidential Information for any patents or patent applications. Without
limiting any other rights or remedies of Visa, if You or any of your employees,
agents or contractors use or disclose any Materials or Confidential Information
for any patents or patent applications or file or prosecute any patents or
patent applications for inventions based on any Materials or Visa Confidential
Information, Visa and its Affiliates shall have and are hereby granted a fully
paid-up, royalty-free, worldwide, perpetual, irrevocable license to exercise all
rights under such patents and patent applications, including the right to grant
and authorize sublicenses.

10.3. Visa works with many application and software developers and some of their
products may be similar to or compete with Your Applications. Visa may also be
developing its own similar or competing applications and products or may decide
to do so in the future. Visa does not agree, and expressly disclaims, any
confidentiality obligations or use restrictions, express or implied, with
respect to any information that You may provide in connection with this
Agreement or an applicable VDP API Agreement, including information about Your
Application (“Licensee Disclosures”) or for any Input you may provide under
Section 5.6. You agree that any such Licensee Disclosures will be
non-confidential. Visa will be free to use and disclose any Licensee Disclosures
on an unrestricted basis without notifying or compensating You. You release Visa
from all liability and obligations that may arise from the receipt, review, use,
or disclosure of any portion of any Licensee Disclosures. Any physical materials
You submit to Visa will become Visa property and Visa will have no obligation to
return those materials to You or to certify their destruction.

10.4 Exceptions.  Your obligations under this “Confidentiality” section will not
apply to Confidential Information to the extent that You can establish that such
Confidential Information: (a) is or has become publicly known (other than
through unauthorized disclosure); (b) is disclosed to You without obligation of
confidentiality from a third party who has the right to disclose such
information without restriction and not indirectly from Visa; or (c) is
independently developed by You without any use of or reference to Confidential
Information of Visa and without violating Visa’s proprietary rights.  In
addition, You may disclose Confidential Information of Visa if required by court
order, governmental demand, or other compulsory legal process, provided that, if
legally permitted to do so, You first notify Visa in writing at least ten (10)
days in advance in order to afford Visa an opportunity to seek a protective
order or other relief.  Feedback and Modifications provided to Visa or its
Affiliate by You or Your Affiliate will not be considered confidential
information, and Visa and the Visa Affiliates will not have any confidentiality
obligations owed to You with respect thereto.  If applicable law now or
hereafter in effect imposes a higher standard of confidentiality to the
Confidential Information, such standard will prevail over the provisions of this
Section.  Visa and its Affiliates have the right to disclose portions of this
Agreement and the VDP API Agreement to its regulators in the exercise of their
statutory authority or to an intended third party beneficiary as necessary to
enable enforcement of such intended third party beneficiary rights. 

10.5 Personally Identifiable Information and Cardholder Information.  In
addition to and without limiting any other obligations set forth herein, to the
extent that You receive or obtain any Personally Identifiable Information
including non-public personal information (as defined in the Privacy and Data
Protection Regulations) or Cardholder Information, You will, at a minimum (a)
establish and maintain such data security program as is necessary to meet the
objectives of the Interagency Guidelines Establishing Standards for Safeguarding
Customer Information as set forth in the Code of Federal Regulations at 12
C.F.R. Parts 30, 208, 211, 225, 263, 308, 364, 568, 570 and 1016 or other
Privacy and Data Protection Regulations (to the extent applicable), and ensure
the confidentiality of the Personally Identifiable Information, non-public
personal information or Cardholder Information is not accessed, used or
disclosed contrary to the provisions of this Agreement, an applicable VDP API
Agreement, the GLB Act, to the extent applicable, or any other Privacy and Data
Protection Regulations; and (b) establish, implement and maintain such physical,
electronic and procedural safeguards to: (i) maintain the security and
confidentiality of such Personally Identifiable Information and Cardholder
Information, including without limitation, encrypting such Personally
Identifiable Information and Cardholder Information in accordance with Visa’s
policies; (ii) protect against any anticipated threats or hazards to the
security or integrity of such Personally Identifiable Information and Cardholder
Information; (iii) comply with PCI DSS, as set forth in Section 10.6 below, and
applicable industry standards for protection of data; and (iv) protect against
unauthorized access to or use of such Personally Identifiable Information and
Cardholder Information that could result in harm or inconvenience to the
individuals to whom such Cardholder Information pertains.  You will provide to
Visa all appropriate reviews and reports to monitor Your compliance with Your
obligations under this Section. If You provide Visa with Cardholder Information
(including device ID and other personal identifying information that may be
subject to Privacy and Data Protection Regulations), You represent and warrant
that you have the right and authority and/or have obtained permissions necessary
to disclose this information to Visa and for Visa to use such information for
purposes of providing the Services hereunder to You.

10.6 PCI DSS Compliance.  If You will have access to Cardholder Information,
then You will be required to be compliant with PCI DSS.  If PCI DSS compliance
is required, then You will, at Your sole cost and expense: (a) conduct or have
conducted the audits required for PCI DSS certification; (b) obtain PCI DSS
compliance certification prior to storing, processing or transmitting Cardholder
Information, and (c) take all actions required for You to maintain PCI DSS
compliance during the Term of this Agreement and for any period of time after
the Term of this Agreement that You store, process or transmit Cardholder
Information.  If required to be PCI DSS compliant, You will remain at all times
aware of changes to PCI DSS and implement such changes when required by Visa to
do so.  More information about Visa’s PCI DSS program can be obtained at
https://usa.visa.com/partner-with-us/pci-dss-compliance-information.html#1. 
Further, You will comply with the security requirements in the applicable VDP
API Agreement.  Additionally, Visa reserves the right to conduct a detailed
security and risk assessment (“Assessment”) of You.  You agree to reasonably
cooperate with Visa during any such Assessment, which may include an onsite
assessment of Your security and risk programs by Visa (or its designee) during
Your normal business hours to ensure Your compliance with the data security and
compliance and confidentiality obligations under this Agreement and an
applicable VDP API Agreement.   If after the completion of an Assessment, Visa
determines that You need more security requirements than those set forth herein,
You agree to work with Visa, in good faith and at Your expense, to address the
additional security requirements noted in the Assessment.

 

11. DISCLAIMERS.

THE VISA SERVICES, MATERIALS, DEVELOPER ACCOUNT, DEVELOPER PROGRAM AND ALL
INFORMATION AND OTHER MATERIALS CONTAINED OR MADE AVAILABLE THEREIN PROVIDED ON
AN “AS IS”, “AS AVAILABLE”, “WITH ALL FAULTS” BASIS WITHOUT WARRANTY OF ANY
KIND. YOUR USE OF ANY OF THE FOREGOING IS AT YOUR OWN RISK. NEITHER VISA NOR ANY
OF ITS CURRENT AND FORMER AFFILIATES EMPLOYEES, SUCCESSORS OR ASSIGNS REPRESENT
OR WARRANT THAT THE VISA SERVICES, MATERIALS, DEVELOPER ACCOUNT, DEVELOPER
PROGRAM OR ANY INFORMATION OR OTHER MATERIALS CONTAINED OR MADE AVAILABLE
THEREIN WILL BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY, SECURE, ACCURATE,
COMPLETE, CURRENT OR ERROR-FREE. YOU EXPRESSLY ACKNOWLEDGE THAT COMPUTER
NETWORK-BASED SERVICES MAY BE SUBJECT TO OUTAGES, INTERRUPTIONS, ATTACKS BY
THIRD PARTIES AND DELAY OCCURRENCES. VISA SPECIFICALLY DISCLAIMS ALL
REPRESENTATIONS, WARRANTIES, AND CONDITIONS WHETHER EXPRESS OR IMPLIED, ARISING
BY STATUTE, OPERATION OF LAW, USAGE OF TRADE, COURSE OF DEALING, OR OTHERWISE,
INCLUDING BUT NOT LIMITED TO, WARRANTIES OR CONDITIONS OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR TITLE. Visa assumes no
liability or responsibility for any inaccurate or incomplete information or
claims that may result from reliance on such information. Without limiting the
foregoing and for avoidance of doubt, Visa, its Affiliates, and their respective
licensors, shall not be liable for, and hereby expressly disclaim any
liabilities and warranties with respect to, any Open Source Software or other
third party components of Materials or Content. Some states or provinces do not
allow the exclusion of certain warranties, so the above limitations may not
apply to You. You may have rights that vary from jurisdiction to jurisdiction;
however, the above disclaimers apply to the extent permitted by applicable Law.

12. LIMITATIONS OF LIABILITY.

12.1. TO THE FULL EXTENT PERMITTED UNDER APPLICABLE LAWS, UNDER NO CIRCUMSTANCES
WILL VISA OR ANY OF ITS AFFILIATES OR VENDORS (OR ANY OFFICERS, DIRECTORS,
EMPLOYEES OR AGENTS OF VISA, OR ITS AFFILIATES OR VENDORS) (COLLECTIVELY, THE
“VISA PARTIES”) BE LIABLE FOR:

 * ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES
   (HOWEVER ARISING);
 * LOST REVENUE, LOST PROFITS, OR LOST ANTICIPATED PROFITS;
 * LOST BUSINESS, INJURY TO BUSINESS REPUTATION OR GOODWILL; OR
 * COST OF PROCUREMENT OF SUBSTITUTE SERVICES

UNDER ANY THEORY OF LIABILITY OR CAUSE OF ACTION WHETHER IN TORT (INCLUDING
NEGLIGENCE), CONTRACT OR OTHERWISE, REGARDLESS OF WHETHER IT HAS BEEN ADVISED OF
THE POSSIBILITY OF SUCH DAMAGES.

12.2. THE VISA PARTIES DO NOT EXCLUDE OR LIMIT OUR LIABILITY TO YOU IN ANY WAY
WHERE IT WOULD BE UNLAWFUL TO DO SO. TO THE EXTENT PERMITTED UNDER APPLICABLE
LAW, IN NO EVENT WILL THE VISA PARTIES' TOTAL CUMULATIVE LIABILITY TO YOU,
WHETHER ARISING IN TORT (INCLUDING NEGLIGENCE), CONTRACT OR OTHERWISE, ARISING
OUT OF OR RELATING TO THIS AGREEMENT, AN APPLICABLE VDP API AGREEMENT OR ANY
DEVELOPER ACCOUNT, DEVELOPER PROGRAM OR MATERIALS, EXCEED A TOTAL OF ONE
THOUSAND US DOLLARS ($1,000).

13. Indemnification.

13.1. Indemnification. You agree, at Visa’s request and Your sole expense, to
indemnify, defend and hold harmless Visa, Visa Clients and its Affiliates, and
any of their service providers, licensors, officers, directors, agents and
employees, from and against any and all claims, actions, proceedings, and suits
(including claims, suits or actions by or on behalf of customers, endpoints,
service providers or Your Personnel or Affiliates) and all related liabilities,
damages, settlements, penalties, fines, costs or expenses (including reasonable
attorneys' fees and other litigation expenses) arising out of or relating to:
(a) the direct or indirect access to disclosure of, or use of the Developer
Program, APIs, products, Services, Documentation, data or Materials provided
hereunder or the VDP API Agreement, information provided by or accessed through
use of the APIs hereunder or the VDP API Agreement,, or use, commercialization ,
or other exploitation of the Applications developed through use thereof, by You
or any of Your Affiliates, customers, endpoints, contractors, service providers
or their Personnel; (b) any breach or alleged breach by You of any
representation, warranty, or obligation contained in this Agreement or the VDP
API Agreement; (c) any damage or loss caused by negligence, fraud, dishonesty or
willful misconduct by You, any Authorized User, or any of Your Affiliates,
Personnel, suppliers or customers; (d) any contract or agreement between You and
a third party; (e) any materials posted or otherwise provided by You, (f)
allegations that You, Your Affiliates or their Personnel, or any of their
respective products, technologies or services, alone or in combination with
other products, service, software or processes, including proposed and approved
Applications developed using or accessing APIs or Services, (collectively,
“Company Products”) infringe, misappropriate or otherwise violate the
Intellectual Property Rights, other privacy rights or other proprietary rights
of a Third Party; or; (g) any alleged or actual violation by You of any
applicable Laws; or (h) any allegation that any of the Company Products are
unsafe, hazardous or defective or cause or result in any personal injury
(including death) or damage to property. Visa reserves the right, at your
expense, to assume the exclusive defense and control of any matter for which you
are required to indemnify and You agree to cooperate with Visa’s defense of
these claims. You may not settle any matter without the prior written consent of
Visa.

14. Copyright Infringement Claims.

14.1. Visa has adopted and implemented a policy that provides for notification
and removal of content that allegedly infringes the rights of copyright holders.
If You believe that Your work has been copied in connection with a Developer
Program in a way that constitutes copyright infringement, please provide Visa's
Copyright Agent the following information set forth in this Section 14.

14.1.1. Identification of the copyright work claimed to have been infringed or,
if multiple copyrighted works at a single online website are covered by a single
notification, a representative list of such works at that website;

14.1.2. Identification or explanation of Your rights in the copyright work(s)
including the creator of the work and when the work was made or how You came to
be the owner of the copyright work or otherwise entitled to request removal of
allegedly infringing content.

14.1.3. Identification of the material that is claimed to be infringing or to be
the subject of infringing activity and that is to be removed or access disabled,
along with all information reasonably necessary for us to locate the material;

14.1.4. Information reasonably sufficient to permit us to contact You as the
complaining party including Your name, address, telephone number, email address
and (if relevant) details of the same for anyone authorized to act on your
behalf;

14.1.5. An explanation as to Your good-faith belief that the use of the material
in the manner complained of is not authorized by the owner, its agent, any
license or by law; and

14.1.6. A statement confirming that the evidence and explanation provided are
true to the best of Your knowledge and belief as the copyright owner or the
party or individual acting on their behalf or under license.
If You fail to provide the above information your complaint may not be dealt
with.

14.2. Visa or its Copyright Agent may (in its sole discretion) request further
documentation or information from You after receiving the complaint. Failure to
respond to such a request or provide relevant evidence may mean Your complaint
cannot be processed or dealt with effectively.

14.3. In order to submit a complaint, please contact Visa's Copyright Agent by
email to copyright@visa.com or in writing to Agent for Copyright Claims, Visa
U.S.A. Inc., P.O. Box 8999, San Francisco, California 94128.

14.4. Without limiting any of Visa's rights hereunder or its rights under law,
Visa retains the right, in its sole discretion, to terminate any user's Account
for repeated copyright violations.

14.5. By submitting a complaint or notification. You warrant that you have not
misrepresented that material or activity is infringing and you agree to
indemnify Visa in respect of all liabilities, costs, expenses, damages or losses
(including any direct, indirect consequential losses, loss of reputation and all
interest, penalties and legal costs) and all other costs and expenses suffered
or incurred by Visa arising out of or in connection with a breach of this
warranty.

14.6. If You believe that Your work that was removed (or to which access was
disabled) is not infringing, or that You have the authorization from the
copyright owner, the copyright owner's agent, or pursuant to the law, to post
and use the material, You may send a counter-notice containing the following
information to Visa’s Copyright Agent:

14.6.1. Identification of the work that has been removed or to which access has
been disabled and the location at which the work appeared before it was removed
or disabled;

14.6.2. A statement that You have a good faith belief that the work was removed
or disabled as a result of mistake or a misidentification of the work or an
explanation as to why You have a legal defence to the allegations of
infringement; and

14.6.3. Your name, address, telephone number and e-mail address.

14.7. Visa may send a copy of Your counter-notice to the original complaining
party informing them that the counter-notice has been submitted. Unless the
complainant files an action seeking a court order against the provider or user
of the work, the removed work may be replaced, or access to it restored, by Visa
in 10 to 14 business days after receipt of the counter-notice.

15. General Provisions.

15.1. Publicity. You shall not issue any press release or general marketing
communication or make any other public statements concerning this Agreement, its
terms and conditions, or the relationship of the parties without the express
prior written consent of Visa, which may be withheld at Visa's sole discretion.

15.2. Visa Affiliates. The rights, duties and/or obligations of Visa under this
Agreement may be exercised and/or performed by Visa and/or any of Visa’s
Affiliates, or any of their subcontractor and/or agents. All liabilities arising
under or as a consequence of this Agreement, whether arising from the acts or
omissions of Visa or any of Visa’s Affiliates, or any of their subcontractors
and/or agents, shall be solely by Visa and/or any of Visa’s Affiliates. You
agree to bring any claim and/or action relating to the foregoing against Visa
only and not against any of Visa’s Affiliates, or any of their subcontractors
and/or agents.

15.3. Compliance with Trade Restrictions.

15.3.1. You expressly agree and acknowledge that (a) the Materials provided via
the Developer Program or otherwise to You by Visa hereunder are subject to Trade
Restrictions, and (b) Visa's ability to perform under this Agreement is subject
to Visa's compliance with such Trade Restrictions. You agree that any refusal or
failure by Visa to perform its obligations hereunder on account of good faith
compliance with Trade Restrictions will not constitute a breach of any
obligation under this Agreement and hereby waive any and all claims against Visa
for legal recourse, including but not limited to injunctive or declarative
relief, loss, cost or expense, including consequential damages, that You may
incur or be subject to by virtue of such refusal or failure.

15.3.2. Notwithstanding any other provision of this Agreement to the contrary,
You shall not use, download, export, re-export, import, sell or transfer any of
the Materials except in full compliance with United States and other applicable
country Trade Restrictions, including but not limited to licensing, notification
and reporting requirements. In particular, without limitation, under no
circumstances shall You download, export, re-export or transfer any of the
Materials or cause their download, export, re-export or transfer, directly or
indirectly, (i) into a Restricted Country; (ii) to any Restricted Person; or
(iii) to any proliferation-related (nuclear weapons, missile technology, or
chemical/biological weapons) end-use. Visa assumes no responsibility for Your
failure to obtain necessary authorizations or to comply with required
formalities under applicable Trade Restrictions.

15.3.3. You shall not do or omit to do anything that may cause Visa, in Visa's
reasonable judgment, to be in breach of applicable Trade Restrictions.

15.4. Government Restricted Rights Legend. All Materials governed by this
Agreement are commercial in nature and developed solely at private expense.
Software is delivered as Commercial Computer Software as defined in DFARS
252.227-7014 (June 1995) or as a commercial item as defined in FAR 2.101(a) and
as such is provided with only such rights as are provided in Visa's standard end
user license agreement for such software. Documentation is provided with limited
rights only as provided in DFARS 252.227-7015 (Nov. 1995) or FAR 52.227-14 (June
1987), whichever is applicable. You will: (a) identify and license the
Application You develop hereunder in all proposals and agreements with the
United States Government or any contractor therefor; and (b) legend or mark the
Application provided pursuant to any agreement with the United States Government
or any contractor therefor in a form sufficient to obtain for Visa and its
suppliers the protection intended by this section. You agree not to remove or
deface any portion of any legend on any Materials provided to You under this
Agreement. Unless otherwise expressly agreed in writing, Visa specifically
disclaims any compliance with any federal procurement regulations, including,
without limitation, any FAR or DFARS provisions. In addition, You will comply
with any additional instructions provided by Visa regarding the licensing of any
Materials to the United States Government or any contractor therefor.

15.5. Non-exclusivity. Each party acknowledges and agrees that the rights
granted to the other party in this Agreement are non-exclusive, and that,
without limiting the generality of the foregoing, nothing in this Agreement
shall be deemed or construed to prohibit either party from participating in
similar business arrangements as those described herein.

15.6. Relationship of the Parties. The parties are independent contractors and
nothing in this Agreement shall make them joint ventures, partners, employees,
agents or other representatives of the other party. Neither party shall make any
representation that suggests otherwise.

15.7. Notices.

15.7.1. Notice to You. You agree that all notices to You may be given
electronically, sent to the electronic mail address provided by or for You
during the registration of Your Developer Account, posted within a Developer
Program and/or to the electronic mail address or physical address indicated in
the VDP API Agreement.

15.7.2. Notice to Visa. You agree that all notices to Visa shall be sent by
certified or registered mail, return receipt requested, to the following
address:

Visa
Attention: Office of the General Counsel
PO Box 8999
San Francisco, CA 94128-8999

with a copy to
Visa
Attention: Office of the General Counsel
1 Sheldon Square
London W2 6TT

15.8. Amendment; Modifications. Visa reserves the right to modify the terms of
this Agreement and any Terms of Use at any time. You can always find the most
recent version of this Agreement and Terms of Use at
http://developer.visa.com/terms. Visa may change this Agreement by posting a new
version at such URL, so please continue to review this Agreement from time to
time. The most recent modification date will be noted by the “Last Updated” date
above. To the fullest extent permitted under applicable Law, Your continued use
of a Developer Program after any such modification constitutes Your acceptance
of the Agreement as modified. If You do not agree to any modification of this
Agreement, You must immediately stop accessing and using Your Developer Account
and any Materials and Visa Services.

15.9. Severability; Headings. If any provision of this Agreement is held to be
invalid or unenforceable for any reason, the remaining provisions will continue
in full force without being impaired or invalidated in any way. The parties
agree to replace any invalid provision with a valid provision, which most
closely approximates the intent and economic effect of the invalid provision.
Headings are used for convenience of reference only and in no way define, limit,
construe or describe the scope or extent of any section, or in any way affect
this Agreement.

15.10. Governing Law; Jurisdiction. This Agreement and any applicable VDP API
Agreement, except to the extent stated otherwise therein, and any dispute or
claim arising out of or in connection with it or its subject matter or formation
(including non-contractual disputes or claims) shall be governed by or construed
in accordance with the Laws of and be subject to jurisdiction in the State of
New York, in the United States, except with respect to residents of the
following countries in the Territory, in which case the Agreement and any
applicable VDP API Agreement shall then be governed by and construed in
accordance with the Laws of and be subject to jurisdiction in England and Wales,
in London, England: Andorra, Austria, Bear Island, Belgium, Bulgaria, Channel
Islands, Cyprus, Czech Republic, Denmark, Estonia, Faeroe Island, Finland,
France, Germany, Gibraltar, Greece, Greenland, Hungary, Iceland, Ireland, Isle
of Man, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta,
Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia,
Slovenia, Spain, Sweden, Switzerland, Turkey, Vatican City, United Kingdom,
including the possession and territories thereof, and except for residents of
Brazil, in which case the Agreement and any applicable VDP API Agreement shall
be governed by and construed in accordance with the Laws of and be subject to
jurisdiction in Brazil.

15.11. Waiver. The failure of any party to insist on or enforce strict
performance of any provision of this Agreement or to exercise any right or
remedy under this Agreement or applicable Law will not be construed as a waiver
or relinquishment to any extent of the right to assert or rely upon any such
provision, right or remedy in that or any other instance; rather, the same will
be and remain in full force and effect. Waiver by either party of a breach of
any provision contained herein must be in writing, and no such waiver will be
construed as a waiver of any other and/or succeeding breach of such provision or
a waiver of the provision itself.

15.12. Assignment. You may not assign any of Your rights or delegate the
performance of any of Your obligations under this Agreement without the prior
written consent of Visa. Any purported assignment in violation hereof shall be
null and void. Visa reserves the right to assign this Agreement or any right or
obligation under this Agreement to an affiliate without consent.

15.13. Force Majeure. Visa will not be liable to You for any losses arising out
of the delay or interruption of Visa's performance of obligations under the
Agreement due to any acts of God, acts of civil or military authorities, civil
disturbances, wars, strikes or other labor disputes, fires, transportation
contingencies, interruptions in telecommunications, utility, Internet services
or network provider services, acts or omissions of a third party, infiltration
or disruption of the Developer Account or Visa Services by a third party by any
means, including without limitation, DDoS attacks, software viruses, Trojan
horses, worms, time bombs or any other software program or technology designed
to disrupt or delay the Visa Services, or other catastrophes or any other
occurrences which are beyond Visa's reasonable control (“Force Majeure Event”).
Visa’s inability to perform due to a Force Majeure Event shall not be deemed to
be a default under this Agreement and/or the VDP API Agreement; provided,
however, that Visa shall make commercially reasonable efforts to continue to
meet its obligations throughout the duration of the Force Majeure Event.

15.14. Entire Agreement. This Agreement (including any additional Terms of Use
for an applicable Developer Program), together with all of Visa's policies
referenced herein and the VDP API Agreement, sets forth the entire understanding
and agreement of the parties, and supersedes any and all prior or
contemporaneous oral or written agreements or understandings between the
parties, as to the subject matter of this Agreement. Nothing contained herein
shall alter or amend any rights or obligations that a party may have under the
Visa Rules. In addition, nothing in this Agreement or an applicable VDP API
Agreement will be construed to give you a right, or obligate Visa, to engage in
any activity that is in violation of or inconsistent with the Visa Rules. 

15.15. Further Assurances. You shall bind (and hereby bind) each of Your
Authorized Users and other Personnel to the provisions of this Agreement and an
applicable VDP API Agreement for such Personnel’s activities related to this
Agreement, the Developer Program, APIs or the Visa Services, in each case to the
same extent as You are bound. You will be responsible for the actions and
inactions of Personnel who accesses the Developer Program, APIs, Materials or
otherwise has access to Visa Confidential Information, as if such actions and
inactions are by You. In the event of any assignment, exclusive license or other
transfer of Intellectual Property Rights that are subject to any rights,
licenses or covenants granted to Visa under this Agreement, You hereby agree to
make any such assignment, exclusive license or other transfer expressly subject
to the rights, licenses and covenants set forth in this Agreement and to require
any transferee to do so in any subsequent assignment, exclusive license or other
transfer of such Intellectual Property Rights.

15.15.1 Standards of Conduct.  You will ensure that each of Your Personnel
performing services to access the Developer Program in production is aware of
and will comply with the requirements of the Standards of Conduct of Visa as
made available and updated by Visa from time to time, as well as Your
confidentiality obligations under this Agreement.  You acknowledge and agree
that the Standards of Conduct may be amended or modified from time to time and
it is Your responsibility to comply with the current requirements of the
Standards of Conduct.  

15.16. Not Professional Advice. Visa uses reasonable efforts to provide accurate
data and/or reports to you through the Services. Such data and/or reports are
intended only for informational purposes. Visa cannot guarantee that any such
data and/or reports are correct, accurate or complete or that they will be
current at all times. Data and/or reports are not intended to provide specific
legal, marketing, business, accounting, financial or tax advice for you, and
should not be relied upon in that regard. Visa assumes no liability or
responsibility for any errors or omissions in the content, Materials or APIs of
the Developer Program. You should independently verify the content of all such
data and/or reports prior to making any decisions based on that content. You
should not act or rely on such data and/or reports without seeking the advice of
a professional. 

15.17. Additional Definitions.


“Affiliates” means, for purposes of this Agreement, any entity that is
controlled by, or is under common control with You.  With respect to Visa,
“Affiliates” or “Visa Affiliates” shall mean and include all affiliates and
subsidiaries of Visa Inc, including Visa International Service Association, Visa
Europe Limited, Visa U.S.A. Inc., Visa Canada Corporation, Inovant LLC, Visa
Resources, Inc., Visa Worldwide Pte. Ltd. or a respective subsidiary or
affiliate of any of the foregoing.


“API” means, for purposes of this Agreement, the application interface that
formats, encrypts, and decrypts messages transferred between Your systems and
Visa's systems as specified in the applicable Documentation and which may be
provided to You as part of a Developer Program as software in object code format
or as sample code or code snippets, including the “APIs” as defined in an
applicable VDP API Agreement. You may only use APIs that are specifically
exposed as part of the Developer Program for interfacing to the respective Visa
Services.  

“Application(s)” means software programs that You develop to interoperate with
the respective Visa Services using the APIs in accordance with the applicable
Documentation for the Development Program.

“Authorized Users” means Your employees, agents and contractors who (i) have a
demonstrable need to access and use Your Developer Account as permitted under
this Agreement, and (ii) have agreed in writing to be bound by and comply with
Your obligations under this Agreement. You shall be responsible for any use of
Your Developer Account and any breach of this Agreement by Your employees,
agents and contractors in the same manner as if conducted by You.

“Card” means a product (whether physical, electronic, or otherwise) to the
extent established and used to initiate or complete payment or other
transactions, all in accordance with the Visa Rules.

“Cardholder” means an individual who is issued, and authorized by an Issuer to
use, a Card.

“Cardholder Information” means: (a) any Visa branded account number; (b) any
transaction information concerning a Visa branded account; or (c) any Visa or
third-party information related to (a) or (b) that may constitute non-public
personal information under applicable Laws, including, but not limited to those
related to data protection and privacy or from which an individual cardholder’s
identity or personal particulars are apparent or can be reasonably ascertained.

“Client” or “Visa Client” means a client of Visa or a Visa Affiliate in good
standing, who offers card-based or non-card-based payment products and services
to consumers and other entities, and payment capabilities to merchants which
utilise the Visa brand or payment processing systems.


“Community” means the message board or other means provided in connection with a
Developer Program to allow You to post messages, upload content and/or otherwise
communicate with other developers.

“Confidential Information” means any non-public data or information, oral or
written, that relates to Visa or its affiliates, including, without limitation,
Visa IP, the Materials, analysis and performance information relating to any
Developer Program or Visa Services, and other technical, business, product,
marketing and financial information, pricing, plans, data, and the terms of this
Agreement.

“Control” means, with respect to any entity, the power to direct or cause the
direction of the management and policies of such entity through direct or
indirect ownership of more than fifty percent (50%) of the voting securities
entitled to elect the board of such entity (or equivalent ownership interest),
but only for so long as such control exists.


“Developer Account” means the account by which You and/or Authorized Users gain
access to a Developer Program subject to the terms and conditions of this
Agreement.

“Developer Program” means a program offered by Visa or its Affiliates for
developers to develop and test certain products or services for use with
specified Visa Services, , including “VDP” as defined in an applicable VDP API
Agreement.


“Documentation” means collectively, the operating instructions, user manuals,
help files and other documentation, in written or electronic form, made
available to You that are intended to be used in connection the respective
Developer Program or other Materials provided in connection with such Developer
Program.

“Feedback” means any and all ideas, requests, feedback, software, technology,
information, reports, data, suggestions and recommendations provided by or on
behalf of Your or Your Affiliates to Visa or any Visa Affiliate, in writing,
orally, by demonstration or otherwise, in each case concerning the Developer
Program, Visa Services, APIs or any other program, product, or service of Visa
or Visa Affiliate, or any portion or component thereof.

“GLB Act” means Gramm Leach Bliley Act of 1999 (15 U.S.C. §6801, et seq.), as it
may be amended from time to time.

 “Intellectual Property Rights” or “IPR” means patents, copyrights, trade
secrets, design rights, data rights, mask work rights, moral rights, Trademarks
and any other intellectual property rights anywhere in the world, and
registrations and applications for any of the foregoing.

 “Laws” is defined in Section 4.1.

 “Licensed Components” means those APIs, sample code, build files, scripts and
code snippets in the SDK for the applicable Developer Program that are provided
for incorporation into Applications to provide interoperability with the
respective Visa Services as expressly set forth in the applicable Documentation.

“Materials” means all documentation, materials, platforms, software, tools, and
enabling hardware and software, including API(s), Documentation, Licensed
Components, SDK(s), Test Data and Test Environment, all made available to You
via a Developer Program.

“Modifications” means any modifications, changes, enhancements, adaptations,
combinations, alterations, corrections, error-fixes, improvements, updates,
derivative works or upgrades of or to the Developer Program, Visa Services, APIs
or any other program, product, or service of Visa or Visa Affiliate, or any
portion or component thereof.

“Personally Identifiable Information,” “Personal Information” or “PII” means
information that identifies or can identify an individual directly or indirectly
or as otherwise defined by Laws and includes unique identifiers and non-personal
information when associated with information that identifies or can identify an
individual, including Cardholder Information, company data, names, contact
information (including e-mail addresses, postal addresses and telephone
numbers), government identification numbers, financial account numbers, payment
card information, transaction information, credit report information, biometric
information, IP addresses, network and hardware identifiers, geolocation
information, or any other information about individual persons.

“Personnel” means a party’s employees, agents, consultants, contractors and
subcontractors, together with the personnel of any of the foregoing.

“Privacy and Data Protection Regulations” means, to the extent applicable, any
privacy and data protection laws and regulations, including without limitation,
[(i) the GLB Act]; [(ii) the Russian Federal Law on Personal Data No. 152-FZ
dated July 27, 2006, as amended from time to time; (iii) the Russian Federal Law
on Information, Information Technologies and the Protection of Information No.
149-FZ of July 27, 2006; and the regulations promulgated thereunder] and iv) The
General Data Protection Regulation.

“Privacy Notice” means the Visa Privacy Notice at
https://usa.visa.com/legal/privacy-policy.html.

“Restricted Country” means countries with which dealings by Visa are restricted
or prohibited under Trade Restrictions in force from time to time and which
currently are: Crimea, Cuba, Iran, North Korea, Sudan and Syria.

“Restricted Person” means any person who is, or is owned or controlled by, or
acting on behalf of any of the following: (a) a person identified on the US
Department of the Treasury's Office of Foreign Assets Control's List of
Specially Designated Nationals and Blocked Persons, the US Department of
Commerce's Denied Parties List, Entity List or Unverified List in effect from
time to time (all available at:
http://www.bis.doc.gov/complianceandenforcement/liststocheck.htm); (b) the
government of a Restricted Country; or (c) a person located in, organized under
the laws of, or ordinarily resident in a Restricted Country.

“SDK” means a software development kit made available to You by or on behalf of
Visa pursuant to this Agreement for a particular Developer Program, including
any upgrades, modified versions, updates, and/or additions thereto, if any, that
may be provided or made available by Visa to You under this Agreement. The SDK
specifies the APIs to be used for the respective Visa Services and may include
Documentation, sample code, code snippets, Test Data and tools to assist in
implementing and testing interoperability with the respective Visa Services.

“Security and Penetration Testing Terms” means the Visa Developer Security and
Penetration Testing Terms at https://developer.visa.com//pages/security-terms. 

“Solution Approval” is defined in Section 4.3.1.

“Standards of Conduct” means Visa’s Standards of Conduct available at
http://usa.visa.com/clients-partners/suppliers/index.jsp which may be modified
or amended from time to time.

 “Terms of Use” means all applicable obligations, requirements, policies,
guidelines, rules of conduct, terms and conditions of use (including those set
forth in this Agreement and an applicable VDP API Agreement) for any Developer
Program, which may be modified by Visa in its sole discretion from time to time.

“Territory” means any territory in which Visa provides access to the respective
Developer Program, excluding: (i) any Restricted Country, and (ii) unless
otherwise explicitly set forth in specific Terms of Use for a particular
Developer Program.

“Test Data” means any data made available by Visa or utilized by You for
testing, simulating use of, or developing Applications under this Agreement.

“Test Environment” means the testing environment made available by Visa for
testing, simulating use of, or developing Applications in conjunction with a
respective Developer Program under this Agreement.

“Third Party” means an entity or person other than Visa, You, and Your or Visa’s
Affiliates.

“Trade Restrictions” means export controls, trade and financial sanctions,
anti-terrorism, non-proliferation, and similar restrictions in force from time
to time pursuant to laws, rules and regulations of the United States and other
applicable jurisdictions to which the parties are subject, including but not
limited to the US Export Administration Regulations, 15 C.F.R. Parts 730 et seq.
(“EAR”) administered by the US Department of Commerce, Bureau of Industry and
Security (“BIS”) and the regulations administered by the US Department of the
Treasury, Office of Foreign Assets Control (“OFAC”) and any applicable
jurisdictions to which the parties are subject.

“Trademark(s)” means all trademarks, service marks, logos, trade dress, trade
names, and service names, all registrations and applications for any of the
foregoing, all goodwill associated with any of the foregoing, and all similar or
related rights anywhere in the world.

“VDP API Agreement” means a separate agreement that You and Visa enter into upon
request for use of APIs in production, into which the terms of this Agreement
are incorporated into and made part of and the terms of which supersede the
terms of this Agreement in case of conflict.

“Visa Brand Assets” is defined in Section 9.2 and includes the “Visa Brand
Assets” as defined in an applicable VDP API Agreement.

“Visa Rules” means the charter documents and bylaws of Visa and its Affiliates,
the Visa Core Rules and Visa Product and Service Rules and other documents
governing the participation of Visa Clients and other parties in the Visa
payment system, as all such documents are revised by Visa from time to time at
https://usa.visa.com/support/consumer/visa-rules.html.

“Visa Trademarks” means all Trademarks owned or licensed to Visa or its
Affiliates, and any other Trademarks confusingly similar thereto or likely to
cause confusion therewith.

“Visa Services” or “Services” means all services provided by or on behalf of
Visa or its Affiliates, including the “Services” as defined in an applicable VDP
API Agreement.

Copyright 2015–2023 Visa. All rights reserved.

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