The agreement states that all content on the Visa Site is presumptively copyrighted, that one or more patents apply to the site and its features including a specified U.S. patent, and that Visa does not warrant that user content use will not infringe third-party rights.
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 establishes that any use of site content beyond personal, non-commercial downloading requires Visa's written consent, and explicitly identifies patent coverage of site features. The non-infringement disclaimer places IP clearance risk on the user for any downstream use of site content.
Under this clause, all Visa.com content is presumptively copyrighted and restricted to personal, non-commercial use without written consent, and Visa provides no assurance that user reuse of site content will not infringe third-party intellectual property rights. Commercial or public reuse of downloaded content without written permission from Visa may constitute infringement under the terms.
Cross-platform context
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Compare across platforms →"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. One or more patents apply to this site and to the features and services accessible via the site, including without limitation: US Patent No. 6,091,956 and all corresponding foreign counterparts. Visa neither warrants nor represents that your use of the material displayed on the Visa Site will not infringe rights of third parties.Excerpt from Visa's Terms of Use
REGULATORY LANDSCAPE: The copyright and patent reservation clauses operate under the U.S.
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This provision establishes that any use of site content beyond personal, non-commercial downloading requires Visa's written consent, and explicitly identifies patent coverage of site features. The non-infringement disclaimer places IP clearance risk on the user for any downstream use of site content.
Under this clause, all Visa.com content is presumptively copyrighted and restricted to personal, non-commercial use without written consent, and Visa provides no assurance that user reuse of site content will not infringe third-party intellectual property rights. Commercial or public reuse of downloaded content without written permission from Visa may constitute infringement under the terms.
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