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Welcome and thank you for choosing to use Verified by Visa. This TERMS OF USE agreement supplements our cardholder agreement(s) with you. In addition to this TERMS OF USE agreement, Verified by Visa is also subject to the cardholder agreement pertaining to use of your Citizens Bank VISA card.
In this Agreement, "we", "us" or "our" refers to Citizens Bank VISA*, and "you", "your" or "yours" refers to you, the Citizens Bank VISA authorized cardholder.


    Verified by Visa provides increased security during online transactions for which it is used. Registering for Verified by Visa involves providing personal information to us, which is then used to confirm your identity in connection with future online transactions for which Verified by Visa is used. Verified by Visa also may be used for record keeping and reporting purposes, as well as helping resolve transaction disputes. Your registration data and other personal information is not shared with the merchant.


  (a) By signing up for Verified by Visa, you authorize us to retain certain information about you and your credit card(s). You authorize us to obtain from certain third parties selected by us, including consumer credit bureaus and other consumer reporting agencies, information about you and your credit card(s), to use in connection with Verified by Visa. You authorize us to use and retain this information in accordance with our Privacy Policy. Your information will be associated with a unique identifier for you (your Citizens Bank VISA card number and your name).

  (b) You agree to (i) provide true, accurate, current and complete information about yourself as prompted by Verified by Visa registration form ("Registration Data"), and (ii) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any Registration Data that is untrue, inaccurate, not current or incomplete, or if we have reasonable grounds to suspect that your Registration Data is untrue, inaccurate, not current or incomplete, we have the right to suspend, terminate, or refuse your current or future use of Verified by Visa.


  (a) If you are unable/unwilling to provide the requested information for us to validate your identity, we have the right to deny you registration for Verified by Visa.

  (b) Registration is mandatory when making purchases online with your Citizens Bank VISA Card when prompted to do so. If you do not register, and the participating online Merchant attempts to authenticate your identity the transaction will not be permitted to continue.

  (c) In order to use Verified by Visa, you must provide certain information to us that allow us to validate your identity and verify that you are the owner of or an authorized user of the specified credit card(s). The information that you provide may be validated against information we already have on file that is associated with you or your credit card(s), information we receive from one or more third parties, or information maintained by a third party.

  (d) If you do not successfully register for Verified by Visa, the merchant will not accept your credit card payment for an e-commerce or other transaction subject to Verified by Visa.

  (e) In order to use Verified by Visa, you must have the ability to access the World Wide Web and must pay any service fees associated with such access. In addition, you must have the equipment necessary to make such a connection to the World Wide Web, including a computer and modem or other access device.

  (f) In the event you have a question regarding the Verified by Visa registration process or a transaction using Verified by Visa, please contact our Customer Service Line toll free at (604) 877-4999 or 1-800-611-VISA.


  (a) During registration in Verified by Visa, you may be asked to select or may be provided a password and hint-and-response question and answer. When engaging in an online transaction or other transaction for which Verified by Visa is used, you may be asked for your Verified by Visa password or hint response before the merchant accepts your Citizens Bank VISA card in payment for the transaction. If you are unable to provide your Verified by Visa password or hint response, or if the authentication through Verified by Visa otherwise fails, the merchant will not accept your credit in payment for that transaction.

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


    You are solely responsible for maintaining the confidentiality of your password, registration data and other verification information established by you within Verified by Visa, and all activities that occur using your password, registration data or other verification information supplied to or established by you within Verified by Visa. You agree to immediately notify us of any unauthorized use of your password or other verification information, or any other breach of security.


    We understand how important online security is to you. Whenever you complete an online registration or enrollment, it is encrypted through Secure Socket Layer (SSL)**. SSL technology secretly encodes information that is being sent over the Internet between your computer and Citizens Bank VISA, helping to ensure that the information remains confidential. After you have submitted your online registration or enrollment, we recommend that you end your browser session before leaving your computer.

**The use of SSL requires that you have an SSL compatible browser. Currently, Windows Microsoft® Internet Explorer 5.5, 6.0 (including 6.0 on XP SP2), 7.0 and 8.0, Windows Netscape® 7.2, Windows AOL ® 9, Windows Firefox® 1.0, 2.0 and 3.0, Opera® 9.5 and Macintosh Safari® are all SSL-compatible. (Note that older versions of browsers will not support SSL sessions.) If you do not have a browser with SSL capabilities, you can download an SSL browser from or


    Your correspondence or business dealings with, or participation in promotions of, online retail or other merchants on or through Verified by Visa, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such merchant. You agree that, except as otherwise provided by Applicable Law or in our cardholder agreement with you, Citizens Bank VISA 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 Verified by Visa does not, in any way, indicate that we recommend or endorse any merchant, regardless of whether the merchant participates in Verified by Visa. For example, Verified by Visa does not verify the identity of the merchant or the quality of the merchant's goods or services.


    You represent that you are of sufficient legal age to use Verified by Visa and to create binding legal obligations for any liability you may incur as a result of the use of Verified by Visa. Except as otherwise provided by Applicable Law or in our cardholder agreement with you, you understand that you are financially responsible for all uses of Verified by Visa by you and those authorized by you to use your Registration Data, your password or other verification information.


  (a) We may modify the TERMS OF USE from time to time with or without notice to you. You can review the most current version of the TERMS OF USE at any time at the Citizens Bank Verified by Visa website.

  (b) We may discontinue, or suspend, Verified by Visa with or without notice.

  (c) Verified by Visa provides its service to you, subject to the TERMS OF USE and our cardholder agreement with you governing the card transactions for which Verified by Visa is used. Citizens Bank VISA may update the TERMS OF USE from time to time without notice to you. In addition, when using Verified by Visa, you shall be subject to any posted guidelines or rules applicable to Verified by Visa that may be posted from time to time at the same web site.

  (d) You agree that creation of a Verified by Visa account password, and/or use of Verified by Visa, will represent your acceptance of these TERMS OF USE and that continued use of Verified by Visa after you have been advised of revisions to this TERMS OF USE shall constitute your agreement to such revised terms and any applicable posted guidelines or rules.

  (e) Unless explicitly stated otherwise, any new features that augment, enhance or otherwise change Verified by Visa shall be subject to these TERMS OF USE.

  (f) Citizens Bank VISA reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, Verified by Visa (or any part thereof) with or without notice.

  * VISA Int./Citizens Bank, Licensed User.


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