GNCU Cards App Terms and Conditions

Greater Nevada Credit Union’s (GNCU) Cards App Terms and Conditions

1. TERMS AND CONDITIONS
1.1 It is important that you read these Terms and Conditions carefully. Together with our Privacy Policy (a copy of which is available from our website at https://www.gncu.org/privacy-policy-disclosures) and Card Services at https://www.gncu.org/banking/checking-account/debit-cards, govern our relationship with you in relation to your use of the Greater Nevada Credit Union Cards Service. If you have any questions about the contents of the documents or do not wish to accept them, please contact us at (800) 421-6674 before continuing.
1.2 You may have other rights granted by law, and these Terms and Conditions do not affect such rights.

2. OUR DETAILS
2.1 We are Greater Nevada Credit Union, a company registered in the State of Nevada. Our registered office is at 451 Eagle Station Lane, Carson City, Nevada 89701.
2.2 You can contact us at https://www.gncu.org/member-services/ask-us-a-question/ or by telephone at (800) 421-6674.

3. WHO CAN USE THE GREATER NEVADA CREDIT UNION CARDS SERVICE
3.1 To be eligible to register for the Greater Nevada Credit Union Cards Service you must be a member of Greater Nevada Credit Union with an account in good standing. In addition, you must have the following:
3.1.1 A Visa debit/ATM card with us;
3.1.2 A U.S. mobile telephone account (prepay or monthly contract) with a participating operator;
3.1.3 A compatible mobile phone or browser. The following minimum requirements must be met by your device: A smart phone with the ability to support a downloadable application (e.g. iPhone and Android); A mobile device with internet browsing (mobile web) capability; Have at least 64Kb of free memory; Be configured with the standard internet data connectivity settings for your network operator (GPRS, EDGE, or EV-DO), in addition to your normal voice plan, which enables services such as internet browsing and email receipt and delivery from your mobile phone; Have free space available in your mobile phone, e-mail, or service inbox to receive SMS (Text) and e-mail messages;
3.1.4 To receive SMS (Text) Alerts only from the Greater Nevada Credit Union Cards Service, the minimum device requirements are free space in your mobile phone, e-mail, or service inbox to receive SMS (Text) and e-mail messages;
3.2 You can only register a participating Visa debit/ATM card that you are lawfully entitled to use.
3.3 The Greater Nevada Credit Union Cards Service can be used abroad in countries with compatible mobile networks, though charges may be higher. Fees associated with the transaction are the responsibility of the consumer unless otherwise disclosed by Greater Nevada Credit Union. Please refer to the Greater Nevada Credit Union applicable Fee Schedule provided to you by Greater Nevada Credit Union at https://www.gncu.org/privacy-policy-disclosures.
3.4 You are responsible for ensuring that your use of the software application does not cause you to breach any other agreement to which you are a party (e.g. with your mobile network operator).

4. REGISTRATION
4.1 Once you have entered your registration details, you will be asked to confirm that the information is correct. If the information is not correct, you can revisit your registration and correct any mistakes before confirming and submitting your registration to us. It is your responsibility to ensure that your registration is correct before submitting it to us. If you have any problems with your registration, please contact our support line at (800) 421-6674.
4.2 When you submit your registration, you are requesting to subscribe to the Greater Nevada Credit Union Cards Service. We may reject your registration if you are not one of our customers or otherwise fail to satisfy any of the criteria listed above. If we accept your registration, we will then send you a text message, which will allow you to download a mobile software application to your mobile phone. Use of the software application is subject to the terms and conditions of the software license in these Terms and Conditions. By downloading the software application, you accept the terms of the software license. You should review the software license prior to accepting the terms.
4.3 When we receive your Visa debit/ATM card account information, we will automatically verify that the information entered is correct, and that the card account belongs to you. Once these details are verified, your card will be activated for the Greater Nevada Credit Union Cards Service.
4.4 When you first use the service on your mobile phone, you will also be asked to choose a security passcode that you will need to enter each time you wish to use the Greater Nevada Credit Union Cards Service. You must keep this passcode safe and not write it down or disclose it to anyone.
4.5 Please refer to Account Terms applicable to your account at https://www.gncu.org/privacy-policy-disclosures for information on your liability for unauthorized activity to your account.

5. THE GREATER NEVADA CREDIT UNION CARDS SERVICE
5.1 The Greater Nevada Credit Union Cards Service provided by Greater Nevada Credit Union is a service that gives you access to account information. Please note that we may add new services from time to time.
5.2 The complete range of services offered as part of our Greater Nevada Credit Union Cards Service may include:
5.2.1 Card Controls;
5.2.2 Travel Notifications;
5.2.3 SMS (text), Push (application), and Email alerts
5.3 The Greater Nevada Credit Union Cards Service is normally available 24 hours a day, 7 days a week, and 365 days a year apart from planned downtime, circumstances beyond our reasonable control, outages on any mobile phone network, or where you are not in an area of mobile coverage.
5.4 Further you acknowledge that we may withdraw all or part of the Greater Nevada Credit Union Cards Service without notice.

6. AUTHORITY
6.1 You authorize Greater Nevada Credit Union and anyone acting on our behalf to accept and act on your instructions and (where relevant) to pay into and from your account(s) the amounts involved when a transaction has been authenticated by the use of the security procedure which is set out below. You acknowledge and agree that your authority may be on an account that could otherwise only be operated by two or more persons.
6.2 You agree that if you have a joint account we will act on the instructions of either you or the other account holder(s), but you are each responsible for all transactions carried out and for the repayment of any resultant borrowing which arises on your account.

7. SECURITY PROCEDURE
7.1 You must keep your security details secret and take all reasonable precautions to prevent unauthorized or fraudulent use of them.
7.2 You must not disclose your security details to any other person or record your security details in any way that may result in them becoming known to another person.
7.3 Please note that after initial registration we will never contact you (or ask anyone to do so on our behalf) with a request to disclose your security details in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine), then it is likely to be fraudulent and you must not supply your security details to them under any circumstances. Additionally, you should report any such requests to us immediately.
7.4 If you suspect that anyone knows your security details, you must contact us immediately. If you fail to do so, you will be liable for any unauthorized transactions on your account confirmed by use of your security details.
7.5 You will be responsible for all instructions received from us between the time you pass the security procedure until the time you exit from the Greater Nevada Credit Union Cards Service. Please note that this includes any input errors or instructions sent by someone other than yourself, so please do not leave your mobile phone unattended while you are still logged onto the Greater Nevada Credit Union Cards Service.
7.6 You acknowledge that you are responsible for all transactions carried out using the Greater Nevada Credit Union Cards Service on your mobile phone, which may include but not be limited to the payment of fees or other charges.

8. CHARGES
8.1 We may charge you for the Greater Nevada Credit Union Cards Service and you should refer to the Fee Schedule at https://www.gncu.org/privacy-policy-disclosures for details. There may be other taxes and fees related to the Greater Nevada Credit Union Cards Service that are charged by your mobile phone operator and you should contact your mobile operator for details of their charges (if any) for the Greater Nevada Credit Union Cards Service. All charges include any applicable sales taxes.
8.2 You agree to pay for the Greater Nevada Credit Union Cards Service in accordance with the charges outlined in the Fee Schedule at https://www.gncu.org/privacy-policy-disclosures  and agree that current charges may be amended from time to time. You authorize us to debit automatically the card account you have selected for use with the Cards Service for all charges in connection with your use of the Greater Nevada Credit Union Cards Service. In the future, we may add to or enhance the features of the Greater Nevada Credit Union Cards Service. By using such added features or enhancements, you agree to pay for them in accordance with the Fee Schedule at https://www.gncu.org/privacy-policy-disclosures.

9. ADDING EXTRA CARDS
9.1 You may add another card and additional features to the service from within the software application at anytime by following the simple steps in the application software. We will automatically verify each new card request before activating the card for the Greater Nevada Credit Union Cards Service.

10. LIABILITY
10.1 These Terms and Conditions do not exclude our liability (if any) to you for:
10.1.1 Personal injury or death resulting from our negligence;
10.1.2 Fraud;
10.1.3 Any matter which it would be illegal for us to exclude or to attempt to exclude our liability.
10.2 We are not liable for any losses you suffer arising from fraudulent use of your card where this results from you not keeping your security details safe as recommended by us.
10.3 If your mobile phone is lost or stolen, you must tell us (by contacting Greater Nevada Credit Union at (800) 421-6674) as soon as is reasonably practicable, and in any case within 24 hours of the loss or theft. In addition, it is your responsibility to advise your mobile phone provider of the loss or theft of your mobile phone. Until you tell us that any of these things have happened we will continue to provide the Greater Nevada Credit Union Cards Service to your mobile phone and we will not be liable if your account information becomes known to someone else as a result.
10.4 We are not liable for any error by you in entering any details when you use the Greater Nevada Credit Union Cards Service (e.g. if you key in the wrong mobile number).
10.5 If we believe that you or someone else is using or has obtained, or may use or obtain the Greater Nevada Credit Union Cards Service illegally, fraudulently or improperly, then we may cancel or suspend your use of the Greater Nevada Credit Union Cards Service without notice.
[NOTE: SECTIONS 10.8 THROUGH 10.9 OF THE TERMS AND CONDITIONS (HIGHLIGHTED BELOW) ARE NOT CUSTOMIZABLE.  ANY REQUESTED CHANGES WILL REQUIRE VISA LEGAL APPROVAL AND MAY DELAY IMPLEMENTATION TIMELINES.]
10.6 We will not be liable to you if the Greater Nevada Credit Union Cards Service is not available to you due to any planned downtime, circumstances beyond our reasonable control, or outages on any mobile phone network or where you are not in an area of mobile coverage.
10.7 The Greater Nevada Credit Union Cards application is provided “as is” with no representation, guarantee, or warranty of any kind as to its functionality. We cannot guarantee that the application will be compatible with every type of mobile phone.
10.8 Greater Nevada Credit Union, VISA INC. AND THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, DIRECTORS AND THE MANUFACTURER OF YOUR MOBILE PHONE WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF Greater Nevada Credit Union HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF Greater Nevada Credit Union, VISA AND THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, DIRECTORS AND THE MANUFACTURER OF YOUR MOBILE PHONE TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED $100.
10.9 IN NO EVENT WILL Greater Nevada Credit Union BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING FROM THE Greater Nevada Credit Union Cards SERVICE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF WE, OR OUR REPRESENTATIVES, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.
10.10 Fingerprint Login is an optional fingerprint sign-in method for Greater Nevada Credit Union Cards that may be available for certain Android® mobile devices that have a built-in fingerprint scanner. Fingerprints are stored on your device only and Greater Nevada Credit Union never sees or stores your fingerprint information. You acknowledge that by enabling Fingerprint Login, you will allow anyone who has a fingerprint stored on your device access to your personal and payment account information within Greater Nevada Credit Union Cards. Greater Nevada Credit Union reserves the right to suspend or disable this feature at any time. Fingerprint Login can only be associated with one Cards username at a time on a device. If your device does not recognize your fingerprint, you can sign in using your standard login credentials (e.g. password). To use Fingerprint Login for Cards on multiple devices, you will need to set it up for each device. You can enable or disable Fingerprint Login anytime within Greater Nevada Credit Union Cards. Android is a trademark of Google Inc.
10.11 Touch ID is an optional fingerprint sign-in method for Greater Nevada Credit Union Cards that is currently available for most Apple® devices that have a fingerprint scanner. Fingerprints are stored on your device only and Greater Nevada Credit Union never sees or stores your fingerprint information. You acknowledge that by enabling Touch ID, you will allow anyone who has a fingerprint stored on your device access to your personal and payment account information within Greater Nevada Credit Union Cards. Greater Nevada Credit Union reserves the right to suspend or disable this feature at any time. Touch ID can only be associated with one Mobile Banking username at a time on a device. If your device doesn’t recognize your fingerprint, you can sign in using your password. To use Touch ID for Cards on multiple devices, you will need to set it up for each device. You can enable or disable Touch ID anytime from the Services menu within Greater Nevada Credit Union Cards. Apple and Touch ID are trademarks of Apple Inc. Currently, fingerprint sign-in for Greater Nevada Credit Union Cards is only available on compatible iOS devices.
11. YOUR RIGHT TO CANCEL
11.1 If you wish to deactivate your account, simply select the “Cancel Service” or “Cancel Account” option, follow the instructions and then delete the software application from your mobile phone.
11.2 It is your responsibility to delete the software application from your mobile phone if you change your mobile phone or dispose of it.
11.3 You agree that we will not be liable to you or any third party for any modification or discontinuance of the Greater Nevada Credit Union Cards Service.    

12. OTHER IMPORTANT INFORMATION
12.1 We have the right to change these Terms and Conditions at any time and you will be notified in writing by us with regards to the changes.
12.2 If we believe that any price increase or change to the Terms and Conditions is likely to cause you material disadvantage we will let you know as soon as possible prior to any change.
12.3 If you do not agree with any change to the Terms and Conditions, you are free to stop using the Greater Nevada Credit Union Cards Service at any time. If you wish us to deactivate your account, simply select the “Cancel Service” or “Cancel Account” option, follow the instructions, and then delete the software application from your mobile phone.
12.4 We may not necessarily keep a copy of your order and these Terms and Conditions. Accordingly, we advise you to keep a record of your order and a copy of these Terms and Conditions for your information and reference.
12.5 The contract and all communications between us will be conducted in the English language.
12.6 Our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and Conditions or of any term of these Terms and Conditions will be governed by the laws of the State of Nevada, whose courts shall have non-exclusive jurisdiction to settle any disputes which may arise out of or in connection with these Terms and Conditions.
12.7 If you have any complaints about the Cards Service please write to us at 451 Eagle Station Lane, Carson City, Nevada 89701 or telephone (800) 421-6674.
12.8 You acknowledge that there may be third parties who have rights under these Terms and Conditions (including, without limitation, our suppliers, the software application developer and the manufacturer of your mobile phone) and you acknowledge that, to the extent permitted by law, those third parties may exercise their rights under these Terms and Conditions even though they are not a party to them.
Mobile Location Confirmation Service
The Service: The Mobile Location Confirmation service (“MLC”) helps to reduce the likelihood that Greater Nevada Credit Union will mistakenly decline a transaction when you are transacting outside your normal purchasing areas. MLC uses location updates sent by your mobile device to help Greater Nevada Credit Union know the difference between fraud and legitimate transactions. Once you enroll, your device will send location updates anytime you are connected to a cell or Wi-Fi network and location services are turned on for your device.
Enrollment and Un-Enrollment: You may choose to enroll or un-enroll one or more cards at any time by using Greater Nevada Credit Union’s mobile app. If you un-enroll a card but keep another card enrolled, then location updates will continue to be sent from your device, but Greater Nevada Credit Union will only use your device’s location data in connection with the card(s) remaining enrolled. If no cards are enrolled, your device will not send any location updates in conjunction with MLC. If you choose to un-enroll from MLC, it will not turn off any other location based service offered through this Greater Nevada Credit Union app. [To Issuer: Include the following sentence only if it applies:] If the account number of your MLC-enrolled card is lost, stolen, or expires and you receive a replacement card with a different account number, Greater Nevada Credit Union will automatically enroll the replacement card in MLC.
Location Updates: When you enroll in MLC, you agree to allow your mobile device to automatically send location updates. Each location update contains a unique device identifier generated by your card issuer, a timestamp, the event that triggered the location update such as a cell tower change or connection to a Wi-Fi network, and a latitude and longitude which represents the approximate location of your mobile device. This approximate location may be derived from the location of the cell phone tower to which your device is connected, the locations of Wi-Fi networks in the area of your device, or the location of your device. On occasion, if you have GPS turned on, your device’s GPS coordinates may be sent. Location updates sent from your device will not distinguish whether the location sent was of a cell tower, Wi-Fi connection point, or an individual device. The location updates are sent to Greater Nevada Credit Union and to one or more vendors who help to provide MLC and are contractually obligated to follow Greater Nevada Credit Union’s policies.
Frequency: Your device may send a location update each time your mobile device either switches from one cell tower to another or connects to a Wi-Fi network. To reduce the number of location updates sent from the device, the application automatically filters out certain updates. Which updates are filtered depends on the movement of the device, the amount of time since the last location update, and whether or not a “Home Area” has been established for the device.
Home Area: After you enroll, it takes two weeks to establish the Home Area of your device. This Home Area is a circular region with a 50 mile radius centered around where your mobile device is most commonly located. As long as your device remains within the Home Area, location updates will generally be sent no more than once every 24 hours. If your Home Area is not yet defined, if your Home Area is being re-validated, or if your device is outside of the Home Area, location updates will be sent more frequently, particularly when the device is in transit. Your Home Area will be re-validated once every 6 months or if you do not return to your previously defined Home Area after more than 30 days. If you un-enroll in MLC through your mobile app, your Home Area will be purged. If you later re-enroll, it will be necessary to re-establish a Home Area. If your mobile device is most typically located less than 50 miles from a national border, your Home Area will have a radius of less than 50 miles, with the radius equaling the distance to the national border.
Limited Use of Data: Greater Nevada Credit Union and its vendors will use location update data for fraud screening and to improve fraud screening services. We will not share personally identifiable location update data with any third party without your consent, except to comply with court orders, valid legal process such as a warrant or subpoena, and other legal requirements. This mobile app may use data you have provided through the app apart from MLC in other ways described by these Terms and Conditions.
Data Retention: Greater Nevada Credit Union and its vendors will store location update data for a maximum of 18  months, except as required to comply with court orders, valid legal process such as a warrant or subpoena, or other legal requirements.
Data Storage: We, and the service providers we may engage, may store and process personal information in different countries from where you reside, including in the United States. Please note that these countries may have different laws and requirements about privacy and data use than where you live.
Charges and Fees: You are solely responsible for acquiring any hardware, devices, software, wireless and Internet access, and/or other items required in connection with your enrollment in MLC, and any associated fees, expenses, taxes, or other charges, including but not limited to any mobile data and roaming fees.
Proprietary Rights: All ownership rights in MLC are retained by Greater Nevada Credit Union and its vendors and protected under applicable intellectual property laws and international treaties. All rights not expressly granted to you through these Terms are retained by Greater Nevada Credit Union and its vendors. Nothing in these Terms grants to you any right to use any trademarks, service marks, logos or other indicia of origin of Greater Nevada Credit Union or its vendors.
Changes to MLC: Greater Nevada Credit Union may, in its discretion, terminate, change, modify, suspend, make improvements to, or discontinue any or all aspects of MLC, temporarily or permanently, including the availability of any service, at any time with or without notice to you. You agree that Greater Nevada Credit Union and its vendors shall not be liable to you or to any third party as a result of taking any of these actions.
Disclaimer of Warranties/Limitation of Liability: MLC, IN WHOLE AND IN PART, INCLUDING ALL SERVICES, IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOU ASSUME SOLE RESPONSIBILITY AND RISK FOR YOUR USE OF MLC, AND THE RESULTS AND PERFORMANCE THEREOF.
IN NO EVENT AND UNDER NO CAUSE OF ACTION, INCLUDING NEGLIGENCE, SHALL Greater Nevada Credit Union OR ITS VENDORS OR THEIR RESPECTIVE AFFILIATES, OFFICERS, DIRECTORS, CUSTOMERS, MEMBERS, EMPLOYEES OR AUTHORIZED AGENTS (COLLECTIVELY, THE “PROVIDERS”) BE LIABLE FOR ANY DAMAGES, CLAIMS OR LOSSES INCURRED (INCLUDING DIRECT, COMPENSATORY, INCIDENTAL, INDIRECT, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES), HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, ARISING FROM OR IN CONNECTION WITH MLC AND/OR THESE TERMS, EVEN IF A PROVIDER IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, CLAIMS OR LOSSES.
WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, THE PROVIDERS SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR: (I) YOUR USE OF OR INABILITY TO USE MLC FOR ANY REASON; (II) ANY INACCURACY, INCOMPLETENESS OR MISINFORMATION CONTAINED IN ANY INFORMATION PROVIDED THROUGH MLC; (III) UNAUTHORIZED ACCESS TO, OR ALTERATION OR LOSS OF, YOUR TRANSMISSIONS, DATA OR OTHER INFORMATION THAT IS COLLECTED, STORED OR SENT IN CONNECTION WITH MLC; (IV) ERRORS, SYSTEM DOWN TIME, NETWORK OR SYSTEM OUTAGES, FILE CORRUPTION OR SERVICE INTERRUPTIONS; OR (V) ANY OTHER USE BY YOU OF MLC. IN ADDITION, THE PROVIDERS SHALL NOT BE LIABLE IF MLC CANNOT (OR ANY PART THEREOF) CANNOT BE PROVIDED OR FOR ANY FAILURE TO PERFORM ANY OBLIGATIONS CONTAINED IN THESE TERMS DUE TO, DIRECTLY OR INDIRECTLY, THE FAILURE OF ANY EQUIPMENT, TRANSMISSION OR DELIVERY PROBLEMS, OR ANY INDUSTRIAL DISPUTE, WAR, NATURAL DISASTER, ACT OF TERRORISM, EXPLOSION, ACT OF GOD OR ANY OTHER EVENT BEYOND OUR CONTROL.
NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, THE PROVIDERS’ CUMULATIVE LIABILITY TO YOU ARISING FROM ANY CAUSE OF ACTION WILL AT ALL TIMES BE LIMITED TO THE LESSER OF (A) YOUR ACTUAL LOSS; OR (B) $100.
SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER, EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES, LIABILITIES AND DAMAGES, SO SOME OF THE ABOVE DISCLAIMERS, EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, THE PROVIDERS’ LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

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Customer Transaction Controls is offered as an opt-in service.  Circumstances exist whereby card controls may not work or may be ineffective at prohibiting the sale of products or services.  For example, blocking Alcohol and Tobacco Merchant Category Codes (MCC) will not prohibit sale of alcohol and tobacco at a Convenience Store MCC.  The time required to apply or modify card controls may not occur in real-time if technical issues arise.
The scenarios that Visa and the issuer may not see authorization requests for, and therefore cannot apply card controls, include:

• Transactions below a merchant’s floor-limit
• EMV offline approved transactions if supported by the issuer’s card product.
• Non-Visa networks that perform Stand-in-Processing on behalf of the issuer processor