Visa Zero Liability. 15.1 Subject to certain limitations set forth in this paragraph, Visa offers you protection for Fraudulent Transactions initiated on your Account (the “Visa Zero Liability Policy”). Your rights under the Visa Zero Liability Policy are in addition to any rights you have under applicable law, as stated in the “YOUR BILLING RIGHTS” notice attached hereto.
15.2 The Visa Zero Liability Policy offers protection for Fraudulent Transactions, but does not offer protection for Unprotected Transactions.
15.3 Promptly after you receive your Monthly Statement, you must give us notice (a “Zero Liability Notice”) if you believe a Fraudulent Transaction appears on such Monthly Statement. You and we agree that a Zero Liability Notice given to us more than 60 days after a Monthly Statement is made available to you is presumed not to be promptly given.
15.4 We will give you provisional credit for any Transactions with respect to which you have given us a prompt Zero Liability Notice. We will generally make provisional credit available to you within five (5) days after you give us a prompt Zero Liability Notice.
15.5 We may withhold, delay, limit, or rescind provisional credit if we conclude, after verification and investigation of your claim, account standing, and history, that (a) the Fraudulent Transaction occurred on account of your gross negligence or fraud, and/or (b) you did not promptly report unauthorized use of your Card, Card Number, or Convenience Checks as required in Paragraph 15.3.
Visa Zero Liability. We will extend to you the benefits provided by the applicable Visa Zero Liability Policy in effect at the time of any unauthorized or fraudulent use of your Card. The Zero Liability Policy covers unauthorized and fraudulent Card transactions that are processed over the Visa network. The Zero Liability Policy does NOT apply to PIN transactions that are not processed over the Visa network (or to ATM transactions if applicable). We may not extend the benefits of the Zero Liability Policy to you if we reasonably determine that the unauthorized or fraudulent transaction was caused by negligence or fraudulent conduct on your part. Negligence may include but is not limited to, an unreasonable delay on your part, in our judgment, in the reporting of the transaction, or your failure to fulfill your obligations under this Agreement. In the event the Zero Liability Policy is not applicable, the Timely Notification Limits Liability provision will apply.
Visa Zero Liability. In addition, your Card is covered by Visa Zero Liability Protection. Under Visa Zero Liability, your liability for unauthorized Visa transactions on your Visa® Prepaid Reloadable Payroll Card is $0 if you notify the Servicer promptly and you are not grossly negligent or fraudulent in the handling of your Visa® Prepaid Reloadable Payroll Card. You will not be liable for unauthorized use that occurs after you notify the Servicer of the loss, theft or unauthorized use of your Card. You also agree to cooperate completely with the Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. If your Visa® Prepaid Reloadable Payroll Card is lost or stolen, the Servicer will not hold you responsible for “unauthorized purchases” if certain conditions are met. Zero liability applies to purchases made in the store, over the telephone or made online. As a Visa cardholder you will not be responsible in the event of unauthorized purchases provided that the following preconditions are met: • Your Card is in good standing; • You have exercised reasonable care in safeguarding your Card from any unauthorized use. Unauthorized use means that you did not provide, directly, by implication or otherwise, the right to use your Card and you received no benefit from the "unauthorized" purchase (failure to register certain Cards will be considered as not safeguarding your Card); • You have not reported two or more unauthorized events in the past 12 months. Zero Liability covers U.S.-issued cards only; and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by the Servicer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify the Servicer immediately of any unauthorized use. The transaction(s) at issue must be posted to your account before provisional credit may be issued. If Visa Rules are changed to affect your liability, those changes will become applicable to your transactions under this Agreement upon notice to you as provided by law.
Visa Zero Liability. 17.1 Subject to condition 16, the Visa card scheme rules provide that you will not be liable for unauthorised transactions on a user’s card in the following circumstances:
(a) the unauthorised transactions were not effected at an ATM (this will include transactions effected prior to notification to us of the unauthorised transactions, lost or stolen card);
(b) a user has not contributed to any loss caused by unauthorised use of their card as described in condition 16; and
(c) you have provided all reasonably requested documentation to us, which may include provision of a statutory declaration and police report.
17.2 Where the Visa zero liability provision applies, we will endeavour to refund the amount of the unauthorised transaction(s) within 5 days, subject to:
(a) you have provided all reasonably requested information;
(b) you not otherwise being in default or having breached these Conditions of Use;
(c) Xxxx not having reasonably determined that further investigation is necessary before refunding the amount of the unauthorised transactions based on:
(i) the conduct of the card account;
(ii) the nature and circumstances surrounding the unauthorised transactions;
(iii) any delay in notifying us of the unauthorised transactions.
17.3 Any refund is conditional upon the final outcome of our investigation of the matter and may be withdrawn by us if we consider that this provision shall not apply as a result of those investigations. In making any determination in respect of this provision, we will comply with the requirements of condition 19.
Visa Zero Liability. Under Visa Zero Liability Protection, you will not be held responsible for unauthorized transactions if you have used reasonable care in safeguarding your Card from loss or theft and you promptly reported to us when you became aware that your Card was lost or stolen. Visa Zero Liability applies to purchases made in store, over the telephone, online or via a mobile device and ATM transactions. Visa Zero Liability may not apply to certain Visa payment cards that are used for commercial purposes.
Visa Zero Liability. Subject to the section headed ‘Unauthorised Transactions’ above, you will not be liable for an unauthorised transaction on a Visa debit or credit card. If you notify us of an unauthorised transaction, within 5 business days we will provide provisional credit to you to the value of the unauthorised transaction unless your prior account history is unsatisfactory or if the nature of the transaction justifies a delay in crediting your account.
Visa Zero Liability. Visa’s Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Visa limits your liability to $0 if you have exercised reasonable care in safeguarding the Card from risk of loss or theft; if you have not reported two or more incidents of unauthorized use in the immediately preceding 12‐month period; and the Cardholder Account is in good standing, otherwise your liability is $50 or the amount of the transaction whichever is less. The Visa rule does not apply to transactions completed with a PIN.
Visa Zero Liability. In addition, your Card is covered by Visa® Zero Liability Protection. Under Visa® Zero Liability, your liability for unauthorized Visa transactions on your Visa® Prepaid Reloadable College Card is $0 if you notify the Servicer promptly and you are not grossly negligent or fraudulent in the handling of your Visa® Prepaid Reloadable College Card. You will not be liable for unauthorized use that occurs after you notify the Servicer of the loss, theft or unauthorized use of your Card. You also agree to cooperate completely with the Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution. If your Visa® Prepaid Reloadable College Card is lost or stolen, the Servicer will not hold you responsible for “unauthorized purchases” if certain conditions are met. Zero liability applies to purchases made in the store, over the telephone or made online. As a Visa® cardholder you will not be responsible in the event of unauthorized purchases provided that the following preconditions are met:
Visa Zero Liability. Subject to certain limitations set forth in this section, Visa offers you protection for Fraudulent Transactions initiated on your Account (the “Visa Zero Liability Policy”). Your rights under the Visa Zero Liability Policy are in addition to any rights you have under applicable law, as stated in the billing rights statement set forth at the end of this Agreement.
Visa Zero Liability. In addition, your Card is covered by Visa Zero Liability Protection. Under Visa Zero Liability, your liability for unauthorized Visa transactions on your Prepaid GPR Visa® Card is $0 if you notify us promptly and you are not grossly negligent or fraudulent in the handling of your Prepaid GPR Visa® Card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card. You also agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. If your Prepaid GPR Visa® Card is lost or stolen, the Servicer will not hold you responsible for “unauthorized purchases” if certain conditions are met. Zero liability applies to purchases made in the store, over the telephone or made online. As a Visa cardholder you will not be responsible in the event of unauthorized purchases provided that the following preconditions are met:
