Virtual Card Number TERMS AND CONDITIONS
These Virtual Card Number Terms and Conditions ("Terms") apply when you save your eligible Discover® card to a Google Account, agree to any terms and conditions, and create a unique card number for your credit card that is different than your regular 16 digit credit card number. This unique card number is called a Virtual Card Number (VCN). These Terms apply to you and anyone else you authorize to use your VCN. If you do not agree to these Terms, do not enroll or create a VCN.
DFS reserves the right to change these Terms at any time and without notice as permitted by law, and your continued use of this VCN constitutes agreement to all such changes. "DFS" means Discover Products Inc., Discover Bank and their affiliates.
Adding your Discover Card
You can create a VCN for your credit card number by following the instructions of Google: 1) on Google Chrome browser at checkout on desktop or mobile devices, and where available, in Android apps; or 2) on Google Chrome browser settings on desktop or mobile devices to manually enroll and create a VCN. A separate VCN will be created for each eligible enrolled Discover Card. Each Card that you enrolled will be associated with the Google account that you are logged into at the time of enrollment and will be available for use on Google Chrome browsers on desktop or mobile devices, and where available, in Android apps. If your eligible Discover credit Card number changes, you will have to add your new card number as a new payment method to your Google account and enroll to create a new VCN. You also will need to delete your previous Discover Card from your Google account which will automatically delete the associated VCN.
Use of the VCN
When you create a VCN with your Discover Card, the VCN allows you to shop online and provide the VCN to merchants where the VCN is accepted. The VCN may not be accepted at all merchants where your Discover Card is accepted. You may not be eligible to receive DFS promotional rewards when using the VCN if DFS does not receive sufficient information from the merchants or the VCN to qualify your purchase to receive the promotional rewards. You must be logged into your Google Chrome browser account on which you created the VCN to use the VCN. If your Discover Card is not in good standing or your account is frozen, then your Discover Card will not be eligible to create a VCN and if you already have created a VCN, the card may be removed.
Terms that Apply
In addition to these Terms, you agree that when you use the VCN, you will remain subject to the terms and conditions of all your existing agreements with DFS, its affiliates, any unaffiliated service providers, and/or Google. These Terms do not amend or supersede any of those agreements, including but not limited to, the DFS Rewards Terms and Conditions and your Cardmember Agreement with DFS. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of the VCN, and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that Google is responsible for its products and services. Accordingly, you agree to resolve any problems that are solely the responsibility of Google regarding the VCN feature with Google directly without involving DFS.
Notifications
You hereby consent to DFS and/or Google sending you notifications reflecting your Discover Card account activity and/or marketing messages. If you do not wish to receive notifications, you may turn off these notifications through the device settings on your mobile phone or by the procedures established by Google.
Suspension/Removal of a Card
DFS reserves the right to discontinue offering or supporting the VCN for any reason. Unauthorized use of the VCN, including, but not limited to, unauthorized entry into DFS' systems, misuse of passwords or misuse of any other information, is strictly prohibited and will result in suspension and/or termination of your use of the VCN. You may not use the VCN in any manner that could damage, disable, overburden, or impair the service. DFS may block, restrict, suspend or terminate your use of the VCN at any time without notice and for any reason, including if you violate these Terms or any other agreements with DFS, except as otherwise required by applicable law. You agree that DFS will not be liable to you or any third party for any suspension, cancellation or termination of your use of the VCN.
When you enroll or use a VCN, the personal information you provide, along with transaction information, will be shared with Google and DFS to facilitate your transactions using the VCN. Merchants may also provide Google with certain transaction data related to purchases made with a Discover Card using the VCN. You agree that by using the VCN, you hereby consent to DFS sharing information (including information that may personally identify you) with Google in order to facilitate VCN transactions you have initiated. You further agree that DFS may share non-personal information with Google to improve the VCN service. This information helps DFS create a VCN for your Discover Card and maintain the VCN. DFS does not control the privacy and security of your information that may be held by Google and that is governed by the privacy policy given to you by Google. For additional information on DFS' privacy practices which applies to your use of your Discover Card in the VCN, please visit https://www.discover.com/privacy-statement/ to review the applicable Consumer Privacy Statement and our Online Privacy Statement . If you do not want DFS or merchants to share your VCN transaction data with Google, you must unenroll your VCN from your Google account. You are responsible for maintaining the confidentiality of your Google account information, including Google user ID and applicable passwords. If you share these credentials with any other person, they may be able to use your Discover Card(s) and access your personal and payment information. Further, any person with access to your device may be able to authorize transactions using your VCNs or Discover Card. DFS cannot control the security of your device and it is up to you to protect your device from unauthorized users and harmful malware. If the device you are using to access a webpage is infected by a virus or malware, your VCN could be exposed. You are responsible for all transactions made using your Discover Card through the VCN. You agree to immediately notify us of any unauthorized use of the VCN on your account. DFS reserves the right to deactivate a VCN at any time if we believe the security of your device has been compromised.
Disclaimer of Warranty and Limitation of Liability
DFS provides access to the VCN services "AS IS" and "AS AVAILABLE". DFS does not warrant the information or services provided herein or your use of the VCN generally, either expressly or impliedly, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose. DFS will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you via the VCN. DFS cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you through the VCN for any particular purpose. To the maximum extent permitted by law, you assume all risk that may result from your use of the VCN. Neither DFS, nor any of its affiliates, directors, officers or employees, nor any third party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this VCN, or resulting in any way from or in connection with: any errors, acts or omissions in the technical operation or content of the VCN; the VCN and any data or content therein, or any products or services made available through the VCN; any action taken in connection with an investigation by DFS, law enforcement or other authorities regarding your use of the VCN; any other cause relating to your access to, inability to access, or use of the VCN, regardless of whether the circumstances giving rise to such cause may have been within the control of DFS or of any vendor providing the VCN. In no event will DFS or any such parties be liable to you, whether in contract or tort, for any direct, special, indirect, punitive, consequential or incidental damages or any other damages of any kind even if DFS or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user's equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. DFS cannot and does not guarantee continuous, uninterrupted or secure access to the VCN. IF YOU ARE DISSATISFIED WITH THE VCN, YOUR SOLE AND EXCLUSIVE REMEDY IS TO STOP USING THE VCN SERVICE. IN NO EVENT WILL DFS OR ITS AFFILIATES BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF CERTAIN WARRANTIES AND CONDITIONS, OR THE DISCLAIMER OF SOME TYPES OF DAMAGES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU. BY ACCESSING THIS VCN, YOU AGREE TO INDEMNIFY, DEFEND AND HOLD DFS AND ITS AFFILIATES HARMLESS FROM AND AGAINST ANY ACTUAL OR ALLEGED CLAIMS, DEMANDS, CAUSES OF ACTION, JUDGMENTS, DAMAGES, LOSSES, LIABILITIES, AND ALL COSTS AND EXPENSES OF DEFENSE (INCLUDING REASONABLE ATTORNEYS' FEES AND COURT COSTS) ARISING OUT OF OR RELATING TO: (A) YOUR BREACH OF THIS AGREEMENT; (B) YOUR VIOLATION OF ANY LOCAL, STATE, FEDERAL OR INTERNATIONAL LAW, RULE OR REGULATION; (C) A CLAIM BY A THIRD PARTY THAT IS BASED ON YOUR USE OF THE VCN;(D) INFORMATION OR MATERIAL POSTED OR TRANSMITTED THROUGH YOUR DEVICE OR ACCOUNT, EVEN IF NOT SUBMITTED BY YOU; (E) ANY MISREPRESENTATION MADE BY YOU; (F) THE THEFT, MISAPPROPRIATION OR DISCLOSURE OF YOUR CREDENTIALS; (G) YOUR AUTHORIZATION OF ANYONE ELSE TO USE YOUR CREDENTIALS. YOU WILL COOPERATE AS FULLY AND AS REASONABLY REQUIRED IN DFS'S DEFENSE OF ANY CLAIM. DFS RESERVES THE RIGHT, AT ITS OWN EXPENSE, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO INDEMNIFICATION BY YOU, AND YOU SHALL NOT, IN ANY EVENT, SETTLE ANY MATTER WITHOUT THE WRITTEN CONSENT OF DFS. This section will survive the expiration or termination of these Terms.
Miscellaneous
These Terms shall be governed by and construed in accordance with the laws of the state of Delaware, without regard to conflicts of laws provisions and the parties unconditionally waive their respective rights to a jury trial. Any cause of action you may have with respect to your use of the VCN must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of these Terms, or a portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of these Terms, and the remainder of these Terms shall continue in full force and effect. These Terms constitute the entire agreement between DFS and you with respect to the VCN and it supersedes all prior or contemporaneous communications, agreements and understandings between DFS and you with respect to the subject matter hereof. These Terms were last updated June 24, 2024.