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Disclaimer

Visa may at any time revise these Rules by updating this posting. You are bound by such revisions and should therefore visit this page to review the current Rules from time to time.
Visa reserves the right, without notice and for any reason, to remove any content on the Visa site, and to deny access of any user or users to all or any part of the Visa site.

Downloading

Unless otherwise specifically indicated, you may download material displayed on the Visa site for personal, non-commercial use only and you may not distribute, modify, transmit, use, or reuse any of the contents of the Visa site for any public or commercial purpose without the written consent of Visa or any third party Visa deems necessary. You must retain all copyright and other proprietary notices on downloaded and/or copied material. Any copy of material from the Visa site you make and distribute for any purpose must also include these Rules.

Copyrights And Other Rights

You should assume that everything on the Visa site is copyrighted unless otherwise noted and that it must not be used except as provided in the Rules or with the express written consent of Visa or any third party Visa deems necessary. Visa neither warrants or represents that your use of the material displayed on the Visa site will not infringe rights of third parties. Any product, service, program, or technology described on the Visa site may be the subject of other intellectual property rights (including but not limited to copyright, trademark, or patent rights) owned by Visa. Any such right that is not expressly licensed herein is reserved by Visa.
Images of people or places displayed by Visa on the Visa site are either the property of, or used with permission by, Visa. Use of these images by you or other third parties is prohibited unless expressly permitted in the Rules or elsewhere on the Visa site. Any unauthorized use of these images may violate copyright laws, trademark laws, the laws of privacy and publicity, and other applicable regulations and statutes.
Any product, service, program or technology described in any document published by Visa on this site may be the subject of other intellectual property rights owned by Visa. Any such right that is not expressly licensed hereunder is reserved by Visa.

Trademarks

The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the Visa site are registered and unregistered Trademarks of Visa, Visa International and others. Nothing contained on the Visa site should be construed as granting by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Visa site without the written permission of Visa or such third party that may own the Trademark. Misuse of any Trademarks, or any other content, displayed on the Visa site is prohibited. Visa aggressively enforces its intellectual property rights, including via civil and criminal proceedings.

Submissions

Apart from your personal information (which is addressed in the Privacy Policy), any communication or material you send to the Visa site, electronically or otherwise, including but not limited to data, questions, comments, suggestions, or submissions is and will be treated as non-confidential and non-proprietary. Anything you send to the Visa site may be used by Visa for any purpose, including but not limited to, reproduction, transmission, disclosure, publication, broadcast and posting. By submitting material to Visa.ca, you represent and warrant to Visa that such material is original to you and does not violate any right (including any intellectual property privacy or other right) of any other person, and you irrevocably transfer and assign to Visa, and forever waive and agree never to assert, any copyrights, "moral" rights, or other rights that you may have in such material. Visa is free to use, without obligation of any kind, any ideas, concepts, techniques, or know-how contained in any communication you send to the Visa site for any purpose whatsoever, including but not limited to developing, manufacturing, and marketing products and services.
By using this site, you may submit, or Visa may gather, certain limited information about you and your usage of the site. Subject to the terms of the Privacy Policy, Visa is free to use such information for any purpose it deems appropriate.

No Warranties

There are no representations or warranty that any information or service provided or referenced by the Visa site is either merchantable, accurate, complete or fit for any particular purpose. The accuracy and completeness of the information, opinions or advice provided on the site is not guaranteed or warranted to produce any specific results, and any Visa advice or strategies may not be suitable for every individual or business. Except for any express warranties stated on the Visa site, if any, the information and services provided or referenced on this site are provided “as is” and with all faults, and the entire risk as to satisfactory quality, performance, accuracy and effort is with the user.
That means Visa uses reasonable efforts to include accurate and up-to-date information on the Visa site, but Visa makes no warranties or representations as to its accuracy. Visa may periodically add, change or improve any of the information, products, services, programs and technology described on the Visa site without notice. Visa assumes no liability or responsibility for any errors or omissions in the content of the Visa site.
In fact, your use of the Visa site is at your own risk. Neither Visa nor any other party involved in creating, producing, or delivering the Visa site is liable for any direct, indirect, special, incidental, consequential, or punitive damages or loss of profit arising out of your access to, or use of, the Visa site. For example, Visa assumes no responsibility for, and will not be liable for any damages arising from any viruses that may affect your computer equipment or other property resulting from your access to, use of, or downloading from, the Visa site. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.

Links

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

International Information

Most of the information on the Visa site applies only to businesses operating and consumers living in Canada. If you live outside of Canada, the fact that you have access to such Canada-specific information does not mean that such information applies, or ever will apply to you, your country or region. It does not warrant or represent that any information applies internationally. You should check the applicability of any information on the Visa site to you or your organization.

Governing Law

The Rules will be governed by and construed under the laws of the Province of Ontario, excluding only its conflict of law provisions. Each party that visits a Visa site hereby submits to the exclusive jurisdiction of the courts within the Province of Ontario, and waives any jurisdictional, venue or inconvenient forum objections to such courts.
Any failure by Visa to enforce any of its rights under the Rules or applicable laws shall not constitute a waiver of such right. If any provision of the Rules is found by a court of competent jurisdiction to be invalid, you, Visa, and the court shall endeavor to give effect to the intent reflected in that provision, and the remaining Rules provisions shall retain their full force and effect.
Please note that Visa.ca is operated by the Visa Canada and not the various financial institutions that issue VISA cards. None of the terms of any agreement between a VISA cardholder and the financial institution that issued his/her card has any effect on or relation to these site Rules.
Please also read over the Visa site Privacy Policy. If you have any questions, comments, criticisms, or complaints about Visa.ca sites, please feel free to email us.

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Privacy Policy

Depending on what you do when you visit any Web site, you are providing information about your visit to the site’s owners. This includes the Visa Site. We value privacy and think you do too, so we want you to have the information you need to make your own decisions about your personal privacy. When you visit or supply information to any Web site, we think it’s a good idea for you to first understand what that site’s privacy policies are. If the site doesn't tell you, don't hesitate to ask.
The bottom line at www.Visa.ca and its related sites (collectively “Visa.ca”) is that we use the information that we get from your visit for internal tracking purposes, to make Visa.ca as useful and interesting to you as we can, and to respond to your requests for information or other services. Except as specifically noted, we do not use your personal information for any other purpose; we never sell it to any third party; and, we never share it with any third party.

I. Notice:

What personal information we collect and how we use your information:
When you visit the Visa.ca Web site, we capture the Internet provider’s domain name and country that you came from (e.g., ‘aol.ca’) and the paths taken as you move from page to page (i.e., your “click stream” activity).
Information we collect on Visa.ca may be used to enhance your use of this Web site in ways like these:
• Arrange the Web site in the most user-friendly way
• Customize your browsing experience of this Web site
• Communicate special offers and featured items to you, if you choose to receive such notices
• Respond to your question or suggestions


Visitor Registration or Requests for Information:
Visa.ca only collects personal information that you choose to provide voluntarily when using or registering with the Visa.ca site. “Personal information” includes information that can identify you as a specific individual, such as your name or email address; and, in the case of license agreements, your name and company name. While you can browse our site without registering, you will need to register in order to take advantage of certain features, such as requesting updates on promotional offers.


Browsing and the use of Cookies:
Visa.ca uses cookie technology as part of our Web site’s statistical reporting. A cookie is a small piece of information sent by a Web site that is saved on your hard disk by your computer’s browser. It holds information a site may need to personalize your experience (i.e., rotating images on Visa.ca home page) and to gather Web site statistical data, such as which pages are visited, what is downloaded, the Internet provider’s domain name and country that our visitors come from (e.g. ‘aol.ca,’ or ‘umich.edu’) and the addresses of sites visited immediately before, and after, coming to Visa.ca. However, none of this is associated with you as an individual. It is measured only in aggregate. The information in the cookies lets us trace your “click stream” activity (i.e., the paths taken by visitors to our site as they move from page to page). Cookies do not capture your individual email address or any private information about you.
We also use standard Web server log files to help us count visitors and evaluate our site’s technical capacity. We use this information to find out how many people visit Visa.ca, help us arrange the pages in the most user-friendly way, keep the site browser-friendly, and to make our pages more useful to our visitors. We record information on site traffic but not information on individual visitors to our site, so no information about you in particular will be kept or used.
To browse without cookies, you can configure your browser to reject all cookies, or to notify you when a cookie is set. (Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preferences.)


Sweepstakes, Trivia Games, and Surveys:
From time to time, Visa.ca may conduct sweepstakes, trivia games, or surveys via our Web site. If you choose to participate, we use your response to select sweepstakes winners, to come up with the game or survey results and, sometimes, to publish those results in aggregate on the site. Except where necessary to run a sweepstakes, we will never permanently record or report any response you give on its own or connect it to your name or address. We will hold these responses only as anonymous statistics. We will never sell or rent such information to any third parties.


Email, Mailing Lists, and Other Services:
When you send us an email through askvisacanada@visa.com, we use your email address to thank you for your comment and/or reply to your question, and we will store your communication and our reply in case we correspond further. Beyond our initial reply, we will never use your email address to send you any unsolicited message or information, nor will we share it with or sell it to anyone else for such use.
When you request information or other services, we use your email address and any other information you give us to provide you with the information or other services you requested until you ask us to stop (using the “unsubscribe” instructions provided with each email and/or on the site where you signed up and/or as we otherwise provide), or until the information or service is no longer available. We will not use your address or other information to provide you with any unsolicited message or information (unless that is part of the service you are requesting), nor will we share it with or sell, rent or lease it to any third party for such use.


Linking To Other Sites:
Please remember that when you use a link to go from Visa.ca to another Web site, the Visa.ca Site Rules and this Privacy Policy are no longer in effect. Your browsing and interaction on any other Web site, including any site that has a link on Visa.ca, is subject to the rules and policies of that site. We encourage you to read the rules and policies of the sites you visit to further understand their procedures for collecting, using, and disclosing personal information.


Our policy regarding sharing of information:
Our policy is simple: we never sell or rent your personal information to any third parties under any circumstances.

II. Choice

How you can decide what communication you'll receive from us:
If you choose to receive them, Visa.ca may periodically send you email messages describing updates, new features, or promotional offers related to this Web site. You can choose to stop receiving this email at any time. Simply follow the instructions included in your email, or send a reply stating your request.
If you do not explicitly choose to receive informational emails, the only email messages you will receive from Visa.ca will be to respond to email inquiries that you send us.

III. Access

How to update or correct your personal information:
To modify or delete your personal information, simply follow the instructions included in your email, or send a reply stating your request, and we will make the requested changes.

IV. Security

How we protect the security of your personal information:
The security of your personal information is very important to us and we are committed to protecting the information we collect. Visa.ca uses firewalls and has security measures in place at its physical facilities to protect against the loss, misuse, or alteration of information that we have collected from you at our Web site.

V. Customer Service and Recourse

Changes to the Visa.ca Privacy Policy:
This Privacy Policy was posted in January 2005. Visa.ca reserves the right to change, modify or amend this policy at any time. Please also read over the Visa.ca Site Rules. Visa takes privacy matters very seriously, and intends to stay at the forefront of privacy policy and protection matters. Visa will occasionally update our privacy policy and we will post those updates on this page. You are responsible for revisiting this page to review our privacy policy updates.


How to contact Visa.ca:
Please note that whenever you submit any information to us in connection with any Visa.ca related services, you consent to Visa’s processing of this information as necessary to provide the services in which you are participating.
If you have any questions, comments, criticisms, or complaints about Visa.ca’s privacy policy and/or the way it affects you, please feel free to email us.

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