Brown Shipley and Co Limited is proud to offer Verified by Visa protection to our customers at no charge.
Verified by Visa is a programme created to make it safe for consumers to shop online using their Visa card at participating merchants. Once you "activate" your Visa card in the Verified by Visa programme you will be asked to create your own secret credential - for example your own Password.
Every time you pay with your Visa card at a participating online retailer, you will be prompted to enter your secret Password during checkout - just like entering a PIN at the ATM. In seconds, you gain important added protection when shopping online.
Your Personal Message phrase (shown in the middle of the previous screen) will appear on the screen that asks for your password when shop online. Every time you see this Personal Message you will know that you are communicating with Brown Shipley and Co Limited. If you prefer to create your own unique Personal Message, click on the designated link on the Brown Shipley and Co Limited website and follow the directions to access the "Self Service Option". This feature will let you define your own Personal Message.
CardinalCommerce Corporation, under contract with Brown Shipley and Co Limited is dedicated to protecting your information. We recognize our obligation to keep your information secure, therefore, we want you to understand the information we collect is kept in a secure facility that uses firewalls and has security measures in place to protect against the loss, misuse, or alteration of information that we have collected from you at our web site. We also want you to understand the information we collect and how we use it to provide high quality service that will benefit you.
To provide you with the highest quality service, we need to know certain kinds of non-public personal information. "Non-public personal information" is non-public information about you that we obtain in connection with providing a financial service to you. We collect non-public personal information about you from only two sources, your card issuing bank and you. As an extra measure, your personal information is stored in a non-decipherable format in the system.
To ensure your customer information is kept private, we have in place several safeguards. All employees with access to cardholder information are bound by a code of ethics and standards, which requires that we treat customer information as confidential. We restrict access of all of your information to those employees who need to know that information to provide service to you. We maintain physical, electronic, and procedural safeguards to protect all your information in accordance with the auditing requirements of Visa and MasterCard. These audits are performed annually.
We understand the importance of privacy when transmitting data on line. Therefore, we have instituted necessary policies specifically related to the online processing of information. To ensure information remains confidential, all data transmission uses encryption technology such as Secure Socket Layer (SSL), at a minimum. Certain communications with your bank can be further encrypted using more extensive encryption.
You can help us to safeguard your information. We suggest you take the following steps:
1. ACCEPTANCE OF TERMS
We provide this service to you, subject to the terms contained in this TOU and your applicable Card Member Agreement with you governing the card transactions for which Verified by Visa or MasterCard SecureCode is used. We may amend this TOU from time to time without notice to you. Your use of Verified by Visa or MasterCard SecureCode will be subject to all guidelines or rules applicable to Visa existence at that time.
"You agree that by establishing Verified by Visa or MasterCard SecureCode credentials, you accept the terms of the TOU effect at that time. Your continued use of Verified by Visa or MasterCard SecureCode after amendments have been made to the TOU evidences your acceptance of such amendments. Unless explicitly stated otherwise, any new features that augment, enhance, or otherwise change Verified by Visa or MasterCard SecureCode shall be subject to the TOU."
2. DESCRIPTION OF VERIFIED BY VISA AND MASTERCARD SECURECODE
Using Verified by Visa or MasterCard SecureCode in Internet transactions reduces the chances of fraud and increases security for those transactions. Activating Verified by Visa or MasterCard SecureCode 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 or MasterCard SecureCode is used. Verified by Visa or MasterCard SecureCode also may be used for record keeping and reporting purposes, as well as to help settle any transaction disputes by Brown Shipley and Co Limited. Except as provided in Section 5 below, your Activation Data (as defined in Section 3) are not shared with merchants.
You agree to (i) provide true, accurate, current, and complete information about yourself as prompted by the activation form for Verified by Visa or MasterCard SecureCode (collectively, the “Activation Data”), and (ii) maintain and promptly update the Activation Data to keep it true, accurate, current, and complete with Brown Shipley and Co Limited. If you provide any Activation Data that is untrue, inaccurate, out of date, or incomplete, or if we have reasonable grounds to suspect that your Activation Data is untrue, inaccurate, out of date, or incomplete, we may suspend, terminate, or refuse your current or future use of Verified by Visa or MasterCard SecureCode. You represent and warrant that all information that you provide to us in connection with your activation is true and correct and that you have the legal right to use all of the cards you register for Verified by Visa or MasterCard SecureCode.
If you are unable to provide us with sufficient information to validate your identity, we will deny your activation. If you do not successfully activate for Verified by Visa or MasterCard SecureCode, the merchant may not accept your Visa card in payment for an Internet transaction subject to Verified by Visa or MasterCard SecureCode. To use Verified by Visa or MasterCard SecureCode, you must have the ability to access the World Wide Web (WWW) and must pay any service fees associated with such access. In addition, you must have access to the equipment necessary to make such a connection to the WWW, including a computer and modem or other access device.
During activation for Verified by Visa or MasterCard SecureCode, you may be prompted to create a password or you may be provided a hint about using an existing password. When engaging in a transaction for which Verified by Visa or MasterCard SecureCode is used, you may be asked to provide your Verified by Visa or MasterCard SecureCode username and password before the merchant accepts your Visa card in payment for the transaction. If you are unable to provide your Verified by Visa or MasterCard SecureCode password, or if the authentication through Verified by Visa or MasterCard SecureCode otherwise fails, the merchant may not accept your Visa card in payment for that transaction.
By activating Verified by Visa or MasterCard SecureCode, you agree to use Verified by Visa or MasterCard SecureCode to check your identity, which includes the validation of any pre-authorised recurring transactions occurring at substantially regular intervals.
6.CARDHOLDER SECURITY CREDENTIALS
You are solely responsible for maintaining the confidentiality of your credentials, Activation Data and other verification information established by you with, or provided by you to, Verified by Visa or MasterCard SecureCode, and all activities that occur using your credentials. You agree not to transfer or sell your use of, or access to, Verified by Visa or MasterCard SecureCode to any third party. You agree to immediately notify us of any unauthorised use of your password or other verification information, or any other breach of security.
You acknowledge and agree that, except as otherwise provided by Applicable Law or in the Cardholder Agreement provided to you with your Visa card, we will not be liable for any loss or damage arising from your failure to comply with this TOU.
7. YOUR CONDUCT
You agree NOT to:
Impersonate any person or entity using Verified by Visa or MasterCard SecureCode; upload, post, e-mail, or otherwise transmit any material that contains software viruses or any other computer code, files, or programmes designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment used to deliver the Verified by Visa or MasterCard SecureCode services; modify, adapt, sub-license, translate, sell, reverse engineer, decompile or disassemble any portion of the Verified by Visa or MasterCard SecureCode website, or service or the software used in connection with the Verified by Visa or MasterCard SecureCode service;
Remove, misappropriate, or misuse any copyright, trademark, or other proprietary right notices contained in this web site; "frame" or "mirror" any part of the Verified by Visa or MasterCard SecureCode website or service without the prior written authorisation of Visa; use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, "data mine," or in any way reproduce or circumvent the navigational structure or presentation of this website or service or its contents;
Otherwise interfere with, or disrupt, the Verified by Visa or MasterCard SecureCode service or servers or networks connected to Verified by Visa or MasterCard SecureCode, or violate this TOU or any requirements, procedures, policies or regulations of Verified by Visa or MasterCard SecureCode or of any networks connected to Verified by Visa or MasterCard SecureCode; or violate any applicable local, state, national or international statute, regulation, regulatory guideline or judicial or administrative interpretation (collectively, the "Applicable Law"), or any rule or requirement established by Verified by Visa or MasterCard SecureCode in connection with your use of Verified by Visa or MasterCard SecureCode.
You agree that we will not be liable to you or to any third party for any modification, suspension, or discontinuance of Verified by Visa or MasterCard SecureCode or this service. Under no circumstance will we be liable for consequential, incidental, special or indirect losses or other damages, such as any damage to your computer or telephone service resulting from your use of Verified by Visa or MasterCard SecureCode. We assume no responsibility for, and will not be liable for, any damages to, or any viruses which may affect your computer equipment or other property on account of your access to, use of, or downloading from, this web site.
9. DEALINGS WITH MERCHANTS
Your correspondence or business dealings with, or participation in promotions of, online retail or other merchants on or through Verified by Visa or MasterCard SecureCode, including payment and delivery for related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and said merchant. You agree that, except as otherwise provided by Applicable Law or in the Cardholder Agreement provided to you with your Visa card, we will not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings. You understand that using Verified by Visa or MasterCard SecureCode does not in any way indicate that we recommend or endorse any merchant, regardless of whether the merchant participates in Verified by Visa or MasterCard SecureCode. For example, neither we nor Visa verify the identity of the merchant or the quality of the merchant's goods or services.
10. DISCLAIMER OF WARRANTIES
You understand and agree that any software that you obtain or use through or in connection with Verified by Visa or MasterCard SecureCode will be obtained and used at your own discretion and risk. Except as otherwise provided in this TOU, you will be solely responsible for any damage to your computer system or loss of data that results from the download or use of any such software or other materials through Verified by Visa or MasterCard SecureCode. EXCEPT AS OTHERWISE REQUIRED BY APPLICABLE LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES AS TO MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, ABOUT VERIFIED BY VISA OR MASTERCARD SECURECODE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
Notices may be sent to you via either e-mail to any address in your Activation Data or other information that you have provided to us in connection with any of your accounts with us, or your Visa card(s) issued by Brown Shipley and Co Limited.
12. AGE AND RESPONSIBILITY
You represent that you are of sufficient legal age to use Verified by Visa or MasterCard SecureCode and to create binding legal obligations for any liability you may incur as a result of the use of Verified by Visa or MasterCard SecureCode. Except as otherwise provided by Applicable Law or in the Cardholder Agreement provided to you with your Visa card, you understand that you are financially responsible for all uses of Verified by Visa or MasterCard SecureCode by you and those authorised by you to use your Activation Data, your password or other verification information. Verified by Visa or MasterCard SecureCode is a registered trademark and Verified by Visa or MasterCard SecureCode™ is the subject of a trademark application of Visa International Incorporated or its subsidiaries in the United States, or MasterCard Incorporated or its subsidiaries .
During the last few years, usage of the internet has expanded as a new way of shopping across a wider expanse of merchants and products. Unfortunately, at the same time the potential for fraud has increased too.
In 2001, Visa International introduced a new online payment programme as a way of keeping the card use secure on the internet. Verified by Visa enables a cardholder to create a secret credential (such as a Password) that he or she will enter when shopping online as part of the check-out process. This Password is like an 'electronic signature' for internet transactions. Once you "activate" your card in Verified by Visa you will be able to 'sign' the transactions with your own secret Password just like signing the sales slip when you shop in person at a store. Because the security of our customer's financial informaton is important, Brown Shipley and Co Limited offers Verified by Visa free of charge.