The agreement states that all information and services on the Visa Site are provided on an as-is basis with no express or implied warranties regarding accuracy, merchantability, fitness for purpose, or non-infringement of third-party rights, with the user bearing all associated risk.
This analysis describes what Visa's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision expressly disclaims implied warranties including merchantability and fitness for a particular purpose, and also states that Visa does not warrant that site content is free from third-party intellectual property infringement, placing that risk on the user.
Interpretive note: Enforceability of implied warranty disclaimers in consumer-facing contexts varies by jurisdiction; EU and UK consumer law may override these terms for consumers.
Under this clause, users cannot rely on Visa.com content as accurate or suitable for any particular purpose, and the agreement places the entire risk of quality, performance, and accuracy with the user. The clause also disclaims any warranty that site content does not infringe third-party intellectual property rights.
Cross-platform context
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Compare across platforms →"The information and services provided or referenced on the Visa 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. This means that although Visa uses reasonable efforts to include accurate and up-to-date information on the Visa Site, Visa makes no warranties or representations as to its accuracy. Visa makes no warranty, either express or implied, that any information or service provided or referenced by the Visa Site is either merchantable or accurate, that such information or service will fulfill any of your particular purposes or needs, or that such information or service does not infringe on any third party rights.Excerpt from Visa's Terms of Use
REGULATORY LANDSCAPE: Implied warranty disclaimers in consumer-facing terms engage the FTC Act and state consumer protection statutes in jurisdictions such as California, which may impose baseline accuracy and disclosure obligations that limit the effectiveness of …
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This provision expressly disclaims implied warranties including merchantability and fitness for a particular purpose, and also states that Visa does not warrant that site content is free from third-party intellectual property infringement, placing that risk on the user.
Under this clause, users cannot rely on Visa.com content as accurate or suitable for any particular purpose, and the agreement places the entire risk of quality, performance, and accuracy with the user. The clause also disclaims any warranty that site content does not infringe third-party intellectual property rights.
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