Terms & Conditions – Payment

Right to Use Website Content

We offer you a limited, non-exclusive, and revocable license to view, share with others, print, or download any Content, as defined below, from the Mastercard website for your personal use. You are not granted a license to license, republish, distribute, copy, assign, sublicense, transfer, sell, create derivative works, or engage in any non-personal use of any Content from the Mastercard website. No part of any Content may be reproduced in any form or included in any information retrieval system, electronic or mechanical, other than for your personal use. You do not have the right to access or use the Mastercard website in any way that may or is intended to harm or damage the Mastercard website or any server or network supporting the Mastercard website, nor the right to prevent others from using and enjoying the Mastercard website. Additionally, you are granted a limited, revocable, and non-exclusive right to create a hyperlink to the Site or any of its Content, provided that the link does not portray Mastercard or its products or services in a false, misleading, derogatory, or offensive manner or imply sponsorship or endorsement of your website, page, or content by Mastercard.

Changes to the Mastercard Website and Terms of Use

Mastercard reserves the right to modify at any time the content, materials, or information displayed on or in connection with this site, including the terms of use, without prior notice to you. Mastercard may revise the current terms at any time by updating this section. You are bound by these terms and, as such, we recommend that you visit these pages occasionally to learn about the current terms.

Intellectual Property Rights

The content of the Mastercard website is protected by applicable intellectual property laws, and the entire content is owned by Mastercard or used by Mastercard under license or with permission. All text, formatting (including, but not limited to, the selection, coordination, and arrangement of materials on the Mastercard website), images, graphics, animations, tools, widgets, applications, advertisements, movies, music, sounds, articles, copies, creative materials, photographs, trademarks, service marks, trade names, and logos, and other materials and information on this site, are subject to the intellectual property rights of Mastercard, its affiliates and subsidiaries, and its licensors and licensees (collectively referred to as “Content”). These materials may not be copied, decompiled, disassembled, modified, reposted on other websites, framed, linked to secondary pages of other websites, altered, distributed, redistributed, licensed, sublicensed, or transferred by you in any form. Nothing on the Mastercard website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use for commercial purposes any trademark, intellectual property right, or copyright-protected material of Mastercard, without the prior written permission of Mastercard. The trademarks, logos, trade names, and service marks, whether registered or unregistered (collectively referred to as “Trademarks”) displayed on the Mastercard website belong to Mastercard and its associated third-party partners. Nothing on the Mastercard website should be construed as granting, by implication or otherwise, any license or right to use any Trademark displayed on the Mastercard website without the written consent of Mastercard or the third party that owns the respective Trademark. Mastercard U.S. Trademarks.

Copyright Claims

In the operation of the Site, Mastercard may act as a “service provider” (as defined by the DMCA) and may provide services as an online provider of materials and links to third-party websites. As such, third-party materials, which Mastercard does not own or control, may be transmitted, stored, accessed, or made available using the Site. Mastercard has certain legally mandated procedures for notifications of copyright infringement that occur on the Site and has developed a policy that provides for the immediate removal of any content or suspension of any user found to have infringed the rights of Mastercard or a third party or violated any laws or regulations regarding intellectual property or this Agreement. If you believe that any material available on the Site infringes a copyright, you must notify Mastercard using the notification procedure under the DMCA (17 U.S.C. Sect. 512(c)(2)). Mastercard will respond promptly, removing or disabling access to the material claimed to be infringing and will follow the procedures specified in the DMCA to resolve the claim between the notifying party and the alleged infringer who provided the Content. DMCA notices of alleged infringement should be addressed to: Copyright Agent, 2000 Purchase Street, Purchase, NY 10577, Attn: Law Department or copyrightagent@mastercard.com.

Forums and Discussion Groups and Feedback

Comments and User Conduct

As a user of the Site, you can post comments – which can take the form of text and, potentially, photos, videos, image files and audio, other types of content, and links to such content, if the Site allows (collectively referred to as “User Comments”). You will be solely responsible for your own User Comments and the consequences of posting or publishing them. In relation to User Comments, you affirm, represent, and/or warrant that: your respective User Comments are an original work by you and that you own or have the licenses, rights, approvals, and permissions to use them and authorize Mastercard to use any and all of your User Comments in any and all media known now or invented later, without territorial or time restrictions and without compensation, and that you have all necessary approvals for collecting, using, and disclosing any identifiable personal information, images, or similar elements contained or displayed in any and all of your User Comments, in a manner agreed upon by the Site and this Agreement. You agree not to include in any User Comment any material covered by copyright, protected by trade secret, or subject to third-party property rights, including privacy and publicity rights, unless you are the owner of these rights or have permission from the rightful owner of these rights and the necessary approvals from any individuals whose identifiable personal data is contained in the material, to post the material in question and grant Mastercard all the licensing rights granted herein. Additionally, you guarantee and declare that you will disclose the existence of any patent registrations or pending applications owned by you and related in any way to the User Comment posted by you.

You confirm and agree that there is no confidentiality relationship or obligation to keep the User Comment confidential, despite any contrary statements or legends contained in the User Comment and in any associated materials.

Ownership of User Comments and their Use

By composing a User Comment, you understand that you grant Mastercard an international, perpetual, royalty-free, fully paid, irrevocable, sublicensable, transferable, and non-exclusive license to and over the User Comment (including under copyright, patent, and trademark law), including the right to edit, modify, and create derivative works and any concepts or ideas contained in the User Comment, including documents, artworks, statements, drawings, sketches, corrections, displays, photographs, film sequences, removal of portions, musical pieces, audio and video sequences, records, whether printed or electronic, products or creations made by you as part of the User Comment. The license you grant Mastercard includes the right of Mastercard and its designees to reproduce the User Comment, combine your User Comment with other works, and modify, translate, distribute copies, display, perform, license, and apply for copyright registration for the User Comment transformed in the name of Mastercard internationally, permanently, and in any media currently existing or that may exist in the future. For example, the granted license allows Mastercard and its designees to use only certain parts of your User Comment, to re-record or modify any audio files or visual images you provide, to rewrite your User Comment and/or to insert other materials, either created by Mastercard or licensed by others, into your User Comment. If we create other works using the User Comment, those works will be our property and may be used according to these general instructions and will not require your approval.

By composing a User Comment, you waive and agree not to claim any copyright or “moral” rights resulting from our modification of the Comment or any photographs, sequences, illustrations, statements, or other works contained in the Comment. You also agree to appoint Mastercard as your irrevocable agent with respect to the User Comment, with the right to execute and deliver any documents on your behalf, so that Mastercard can use the User Comment you license in any manner deemed appropriate by Mastercard for holding and protecting rights in any derivative works created from your User Comment and to remove the User Comment from any other website or forum.

Upon Mastercard’s request, you will execute and provide such additional licensing instrument as Mastercard may deem reasonably necessary to establish Mastercard’s ability to use the User Comment as Mastercard deems appropriate and waive the “Moral Rights of Authors” as set forth in these Terms and Conditions. If Mastercard fails to request the mentioned licensing instrument, this shall not be considered a waiver by Mastercard of its rights, and Mastercard may subsequently request such instrument.

Transmitted Information or Feedback

From time to time, we may request feedback on the Site and Mastercard’s products and/or services. Any communication or material you transmit or post (a) will be treated by Mastercard as non-confidential and non-proprietary, (b) will become the property of Mastercard, and Mastercard will exclusively own all rights, title, and interest therein, and (c) will be used without restrictions by the licensees and affiliates of Mastercard at their sole discretion, without any obligation, compensation, or other payment obligation to you. This feedback may be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcasting, and posting in whole or in part, in any medium and in any form currently known or developed later, on this Site or otherwise. Additionally, Mastercard will have no obligation to respond to any such communication. Despite the above, Mastercard maintains its policy of not accepting or considering any creative ideas, suggestions, or materials from the public regarding its products and services (“Comments”), and as such, you should not make any Comments about Mastercard in any communication through this Site or otherwise. However, if you send us a Communication, despite our request not to do so, this Communication will immediately become the property of Mastercard, and Mastercard will exclusively own all rights, title, and interests therein. Furthermore, Mastercard will be free to use any Comments for any purpose, including, but not limited to, the design and marketing of products and services. Mastercard will not be responsible for this use or disclosure of the relevant Comment or for any similarities between the Comment and any future Mastercard products and services.

Merchants and Commercial Offers

Merchants may offer Mastercard certain discounts or other benefits (e.g., free shipping) for the purchase of goods or services (“Offers”) available on the Mastercard Site. These Offers are subject to terms and conditions and may be modified at any time without notice. Mastercard will not be liable for any loss or damage incurred as a result of any interaction between you and a merchant regarding these Offers.

Except as otherwise set forth herein, all issues, including but not limited to the delivery of goods and services, returns and warranties, shall be resolved solely between you and the relevant merchants. You acknowledge that Mastercard does not endorse or guarantee the merchants that may be found on the Mastercard Site or their Offers.

Contests with Prizes

From time to time, We inform you of certain contests or other Mastercard promotions. All such prize contests and promotions are subject to Official Rules as well as all applicable laws, regulations, and statutes.

Content and Links to Third-Party Sites

The Mastercard Site may include content from third parties and links to other websites, which are completely independent from this Site. Third-party content and links are provided solely for user information and do not in any way constitute endorsement, support, or guarantee by Mastercard. Furthermore, Mastercard is not responsible for the accuracy, completeness, or security of third-party information or for products or services offered or sold through any links to other websites, and you assume all responsibility for using third-party information. Any agreements, transactions, or other arrangements between you and such third party shall be solely at your own risk. When you click on a link to a third party, you are leaving the Mastercard Site. No personal information you provide on the resulting site will be collected or controlled by Mastercard, but will be subject to the privacy notice or terms of use of the resulting site. For more details on privacy practices, please review the privacy policy and terms of use of the resulting site.

Privacy Policy

Mastercard acknowledges the importance of respecting the confidential data of visitors who choose to take advantage of the programs and information offered on our sites. The Mastercard Global Privacy Policy (link below) provides an overview of what you can expect when you sign up for one of our programs or simply browse the Mastercard Site. Some different or program-specific policies may apply on our country-specific or program-specific pages. Please refer to the link at the bottom of each page to view the country-specific version of our policy. Click here to view our Global Privacy Policy.

Indemnification

You agree to indemnify, defend, and hold harmless Mastercard and its business partners, personnel, and affiliates from any obligations, losses, claims, and expenses, including attorney’s fees and costs, arising from your violation of these Terms of Use or your use of the Site. You will indemnify and hold Mastercard harmless from and against any claims, damages, and costs resulting directly or indirectly from your use, reproduction, publication, or public communication of the User Comment.

Exclusion of Warranties

Mastercard will make all reasonable efforts to ensure that all materials on this Site are accurate; however, accuracy cannot be guaranteed, and Mastercard assumes no responsibility or obligation regarding the accuracy, completeness, or authenticity of any information contained on this Site.

THE MASTERCARD SITE AND ALL CONTENT THEREIN ARE PROVIDED “AS IS” AND “AS AVAILABLE,” AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED BY THIS AGREEMENT, INCLUDING ANY WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT, QUALITY OF INFORMATION, OR FITNESS FOR A PARTICULAR PURPOSE. NO INFORMATION OBTAINED BY YOU FROM MASTERCARD THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT. MASTERCARD REJECTS, WITHOUT LIMITATION, ALL WARRANTIES REGARDING THE AVAILABILITY OF THE SITE, ERROR-FREE OPERATION OF THE SITE, CORRECTION OF DEFECTS, OR ABSENCE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE WILL BE AT YOUR OWN RISK. ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED FROM THIS SITE IS OBTAINED AT YOUR OWN RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT MAY RESULT FROM THE USE OF THE SITE, INCLUDING BUT NOT LIMITED TO DAMAGES CAUSED BY VIRUSES. PLEASE NOTE THAT SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

Exclusion of Damages and Limitation of Liability

MASTERCARD OR ITS AFFILIATES SHALL NOT BE LIABLE UNDER ANY CIRCUMSTANCES FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, EXEMPLARY, CONSEQUENTIAL, OR OTHER DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR PROPERTY, LOSS OF USE, LOSS OF BUSINESS, ECONOMIC LOSS, LOSS OF DATA, OR LOSS OF PROFITS, REGARDLESS OF THE FORM OF ACTION (INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTIONS) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR ACCESS TO THE MASTERCARD SITE OR ITS CONTENT, EVEN IF MASTERCARD OR ITS BUSINESS PARTNERS, EMPLOYEES, REPRESENTATIVES, OR AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR LOSS. THE TOTAL LIABILITY OF MASTERCARD TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION, WHETHER CONTRACTUAL, NEGLIGENCE (INCLUDING BUT NOT LIMITED TO NEGLIGENCE), OR OTHERWISE, SHALL NOT EXCEED IN ANY FORM THE AMOUNT PAID BY YOU, IF ANY, OR ONE HUNDRED DOLLARS ($100) (WHICHEVER OF THESE IS LESS), FOR ACCESSING OR PARTICIPATING IN ANY ACTIVITY RELATED TO ANY MASTERCARD SITE. IT IS POSSIBLE THAT APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

Mastercard’s Non-Application Agreement of Terms of Use to any Mastercard Payment Card Holder

Mastercard is a leading company in the payment services industry. Mastercard is not a financial institution and does not issue any credit, debit, check, or payment cards. Your payment relationship with a Mastercard-branded card is with the issuing bank or financial institution and not directly with Mastercard. Any and all questions or issues related to your Mastercard payment card or cardholder account must be addressed to the bank or financial institution that issued your card, and not to Mastercard. While Mastercard has a relationship with your issuing bank or financial institution, this relationship does not involve individual cardholders or account holders of payment cards.

The Mastercard website is operated by Mastercard and its affiliates.

Miscellaneous Provisions These Terms of Use will be construed, interpreted, and performed exclusively in accordance with the laws of the State of New York, United States of America, without application of any principles that would contravene the law. You expressly agree to submit to the personal jurisdiction of the federal and state courts located in New York for any action in law or equity arising directly or indirectly from or in connection with these Terms of Use or this Site. By the present, you accept and submit to the personal jurisdiction of these courts in any action related to the Mastercard Site, your access or use thereof, or these Terms of Use, and the conduct of extraterritorial proceedings.

The content and software of the Mastercard Site may be subject to U.S. jurisdiction over export and the jurisdiction of other countries over import. As for your use of this Site, you are solely responsible for complying with all applicable laws and regulations regarding export control, re-export, and import in all jurisdictions, including but not limited to those of the U.S. Department of Commerce, Export Administration Regulations, 15 CFR Parts 730-774, International Traffic in Arms Regulations, country-specific economic sanctions programs implemented by the Office of Foreign Assets Control, and export and import control laws and regulations of any other country. You are not permitted to use, distribute, transfer, or transmit, directly or indirectly, the content or software of this Site, whether directly or materials, products, or software, or other technical information into which content or software from this Site has been incorporated, unless you comply with all applicable laws and regulations of all relevant export and import laws.

You cannot assign these Terms of Use. Mastercard may assign its rights and obligations under these Terms of Use at any time. If any part or provision of these Terms of Use is deemed to be illegal, void, invalid, or unenforceable, the affected part shall be deemed separate from these Terms of Use and shall not affect the validity and enforceability of the remaining provisions. Unless stated otherwise herein, these Terms of Use constitute the entire agreement between you and Mastercard regarding their subject matter. Certain provisions of these Terms of Use may be amended or added through designated legal notices or terms placed on specific pages, applications, tools, or other materials accessible within the Site. If Mastercard fails to enforce any of the provisions of these Terms of Use or any additional terms, it does not constitute a waiver of those provisions or Mastercard’s right to enforce the respective provision. These Terms of Use and any related documents may be accepted in electronic form (e.g., through electronic means or other methods of consent certification), and your agreement will be considered binding between you and Mastercard. By accepting these terms, you unconditionally acknowledge that you will not contest the validity or applicability of these Terms of Use and other related documents.

©2015 Mastercard. Mastercard, Priceless, and the Mastercard brand logo are registered trademarks of Mastercard International Incorporated. Sponsor: Mastercard International Incorporated, 2000 Purchase Street, Purchase, NY 10577.

Customer Service and Contact Information

General Counsel

Mastercard

2000 Purchase Street

Purchase, NY 10577 USA

Phone: 1-800-MASTERCARD (1-800-627-8372)