Policy/Disclosure Statement

Towson University One Card Policy As a condition of using the OneCard, the campus member to whom the OneCard was issued, referred to hereinafter as the Cardholder agrees to abide by the OneCard Policies and Dining and Doc Dollars Account Terms and Conditions set forth herein. Cardholder further agrees and acknowledges that these Policies and Terms and Conditions are contractual obligations.

1. The Towson University ID card OneCard is the property of Towson University, is issued by the University to the Cardholder only, and is non-transferable. Use of the OneCard may be revoked at the University's sole discretion for violation of University policies. Faculty and staff must relinquish the card upon separation from the University. Access privileges of the OneCard will be deactivated when student, faculty, staff, or other user separate from the University.
2. Student Cardholders may use the OneCard while enrolled as a Towson University student. Employee Cardholders may use the OneCard while employed by the University.
3. The OneCard must be presented upon request at the time of use to obtain services or to verify official University status.
4. The OneCard is to be used only by the person to whom it is issued. Only the Cardholder can present the OneCard for purchases, meal plan use, access to buildings, events, or for use of University resources for which they are eligible. The OneCard will be confiscated if presented by someone other than the Cardholder.
5. Lost or stolen OneCards must be reported immediately to the Auxiliary Services Business Office (ASBO) during business hours or through the OneCard website at (onecard.towson.edu). Sign up to manage your account on line and have access 24 hours/day, 7 days/week.
6. The OneCard is issued for campus debit accounts (Doc and Dining), but they are not valid for use until activated by the Cardholder. Cardholder may activate these accounts by making a deposit into one or both of the accounts at ASBO located in the West Village Commons, Room 309 or on the OneCard website (onecard.towson.edu). Activation of these accounts is acknowledgement and acceptance of terms and conditions governing the use of Dining and Doc Dollars. The Terms and Conditions are included below.
7. Privacy Disclosure: Towson University will use information (including your picture) to issue you a OneCard (identification card, access card and debit card), and for inclusion in the University computerized records including your university PeopleSoft account. Without this information (other than your picture), the University would not be able to issue you the OneCard, which allows you to receive certain University services. You have a right to inspect, amend and correct these records by making a written request precisely describing the requested change and stating the reasons for the change. Students should contact the Office of the Registrar to do so, employees should contact the Office of Human Resources, and all others should contact the Auxiliary Services Business Office. This information is not generally available for public inspection and is not shared or transferred to anyone but University employees, except as required by law or as set forth in paragraph 14 of the Doc Dollar and Dining Dollar Account Terms and Conditions.
8. OneCard Replacement Fee - Your first OneCard is free. A $15 fee will be charged for your second and third cards. Fourth and fifth cards will be $30. Your sixth OneCard or greater will be $50 per card.

Dining and Doc Dollars Account Terms and Conditions

1. Dining and Doc Dollars Accounts - The signer, referred to hereinafter as the Cardholder, acknowledges that they have activated these accounts by making a deposit into one or both of these debit accounts, and agrees to be legally bound to the terms and conditions. The Doc and Dining Dollars account features of the OneCard are optional and are debit accounts which do not provide credit.
2. Deposits - Deposits may be made through the OneCard website (onecard.towson.edu) using a credit card or at the Auxiliary Services Business Office with cash, check or credit card.
3. Nature of Accounts - The Cardholder is responsible for purchases and debits made to the accounts except as defined below under Section Point Transactions. Cardholder agrees, upon request, to provide additional identification and/or sign a receipt for goods and services to assure proper use of the OneCard. This includes, but is not limited to, non-electronic or manual transactions for goods and services where a card reader is not available. Towson University reserves the right to determine hours of operation and prices for the goods and services available for purchase with the OneCard. Doc Dollars cannot be used to purchase alcohol or tobacco.
4. Refund Policy - Cardholders may close their account at any time. To close the account, Cardholder must complete the "Request for Doc Dollars Refund/Account Closure Form."
   a. Refunds for purchases made with Dining or Doc Dollars will only be issued as a credit to the point account used for the purchase.
   b. Doc Dollars Account Balance refunds - Account refunds will only be processed for accounts with a balance of $8.00 or more. Refund requests will be charged an administrative processing fee of $3.00 and will require a minimum remaining balance of $5.00 to be refunded.
   c. Upon separation from the university remaining Doc Dollars will be applied to any outstanding balance the cardholder has with the Student & University Billing Office. Cardholders with a remaining Doc Dollars balance of $8.00 or more will be charged a $3.00 administrative fee and the balance will be refunded to the account holder's Student & University Billing Office. Refunds will be issued through the Student & University Billing Office DOC account (Disbursement Online Center). Upon leaving please ensure the university has an accurate permanent address. Cardholders with a balance of less than $8.00 may spend their funds in the University Store or other campus outlets which accept Doc Dollars.
   d. Student Dining Dollars are non-refundable with the exception of student medical and military withdrawals which have been officially designated by the University.
5. Dining and Doc Dollars Transactions - The following services are currently available for use with your OneCard (these services may change at the discretion of the University). a. Make payments from your dining account at dining services locations.
   b. Make payments from your Doc Dollars account for goods or services provided by the Towson University Store, Copies Plus, PAWS, select vending and laundry machines, ASBO, and other various locations, including but not limited to vendors participating in the off campus OneCard program.
   c. Dining Services is authorized to debit your OneCard account for purchases made by telephone. You will be requested to sign a receipt upon delivery of your order.
   d. Transfer of funds from your Doc Dollars account to your Dining Dollars account
   e. Dining Dollars are non-transferable.
6. Documentation of Fund Transfers-Reader Transfers a. You should receive and/or you may request a receipt at the time you make a purchase from any card reader operated by a cashier.
   b. You will not receive a receipt from a card reader attached to a vending or laundry machine. These transactions will be listed on your account activity which is available on-line at (onecard.towson.edu).
   c. You may request a receipt for deposits made to your OneCard Retail and Dining account(s) made through the ASBO. The Business Office does not accept Doc or Dining Dollar deposits over the phone.
   d. You will receive an email notification for deposits made to your account(s) through the OneCard web site.
7. Forfeiture of Funds - Dining and Doc Dollars that remain on an individual's account upon their separation from the university will be forfeited.
8. Account Statements - A monthly notification that account statements are available on-line. An emailed statement may be requested by emailing ASBO at onecard@towson.edu.
9. Negative Balances - Cardholder agrees that any Negative Balance may be charged to their financial account at the Student & University Billing Office's Office
10. Account Eligibility and Term - Dining and Doc Dollar student account balances will transfer from semester to semester until graduation or until the student is no longer enrolled. Employee balances will remain as long as the Cardholder is employed.
11. Electronic Funds Transfer permits Cardholders and others to transfer funds without the use of cash or checks. The OneCard enables Cardholders to make campus dining and retail purchases electronically. The Electronic Funds Transfer Act protects Cardholders in their use of Electronic Fund Transfer Services. Described herein are important notices regarding your rights under the act.
12. Disclosure for Electronic Fund Transfers a. The use of the OneCard is subject to all terms and conditions and rules and regulations contained in the various Towson University meal plan contracts, the OneCard Policy and the Dining and Doc Dollar Account Terms and Conditions.
    b. Balances given by OneCard readers may not reflect outstanding manual or off-line account activity.
13. Cardholder Liability for Unauthorized Transfers - Call ASBO immediately at 410-704-2284 if you believe your OneCard has been lost or stolen. The University will deactivate the Cardholders OneCard to prevent unauthorized usage. The Cardholder may also immediately suspend their OneCard by using the "Manage Your Account" function online at (onecard.towson.edu). Maximum liability for unauthorized use of the Cardholders lost or stolen OneCard is $50.00 provided the ASBO is notified within two (2) business days. The maximum liability for unauthorized use of a lost or stolen OneCard reported after two (2) business days is $500.00. In both cases, the maximum liability will be further limited by the amount of unauthorized transfer(s) that actually occur. The Cardholder must notify the ASBO immediately when account activity reviewed on-line discloses unauthorized transfers. Cardholders who do not notify the ASBO within 60 days after the account activity was made available for review, may be unable to recover the loss of funds if timely notification could have prevented the loss. The time limit for reporting unauthorized electronic fund transfers may be extended in the event of extenuating circumstances such as travel or hospitalization.
14. Liability for Failure to Make Transfers - If the University does not properly complete a transfer to or from your account; the University will not be liable for such failure: a. If, through no fault of the University, the Cardholders account has insufficient funds.
    b. If circumstances beyond the control of the University prevents the transfer. These circumstances may include, but are not limited to, any of the following events: Fire, flood or other catastrophe, legal acts of public authorities, strikes, riots, failure of communications or power supply or mechanical difficulties with the equipment which could not be reasonably foreseen or provided against.
    c. If the Cardholders account has been suspended to prevent unauthorized use.
    d. There may be other exceptions.
15. Disclosure to third parties: In accordance with the Family Education Rights and Privacy Act (FERPA), your TU ID number is part of your educational record. The University will not release the card holder TU ID number outside the institution, unless permitted or required by law, with the card holder's permission or as specified below. Any information regarding your account or transactions may be disclosed to third parties as necessary to complete transactions you initiate, to verify the condition or existence of your account, to comply with government agency or court orders, in conjunction with all other card holder accounts in the aggregate but not in regards to a personal account, or with your written permission. For example, the on-line account management feature (Webvts) is provided by a third party, JSA Technologies Incorporated, and that account information is shared with JSA to provide the Webvts feature. The University also maintains contractual relationships with other third parties who provide campus services, such as a food services vendor (Chartwells). These contractual vendors may have access to your TU ID number and account balance as required to complete a transaction. The University may also enter into agreements with off-campus merchants who may also require the TU ID number and account balance to complete a transaction. Third parties are prohibited from using this data in any manner, except to provide services as part of their contractual agreement with Towson University.
16. Errors - If the Cardholder believes an error has occurred on their account, contact the ASBO at the address or telephone number listed below. If the Cardholder discovers an error on the receipt issued by an outlet that accepted payment with points, take the receipt back to the outlet to resolve. The Cardholder has sixty (60) days from the date the transaction takes place to dispute the transaction in question. The Cardholder must provide the ASBO with the following information in writing within 10 business days after your initial contact: the Cardholder name and TU Identification number, a description of the error or the transfer in question, detail the dollar amount of the suspected error, provide a telephone number for contact during normal business hours. The ASBO will communicate the results of its investigation within ten (10) business days after the required information is provided. If additional time is required, it may take up to forty-five (45) calendar days to complete the investigation in which event the Cardholder account will be provisionally credited. If, however, the ASBO requests a written description of the situation and does not receive it within ten (10) business days, the Cardholder account may not be provisionally credited. If the University concludes there was no error, the Cardholder will be sent a written explanation. In the event there was no error, and a provisional credit was provided, the University will charge the Cardholder for the amount of the provisional credit provided.
17. Change in Terms - Future changes in the terms and conditions regulating use of the OneCard and Dining and Doc Dollars Accounts will apply to all cards and will supersede all prior terms and conditions. Towson University may modify the terms and conditions at its discretion. Account holder will be notified 21 days prior to the implementation of any modifications that would increase fees or charges, increase liability of the Cardholder, provide fewer types of electronic fund transfers or create stricter limitations on the frequency or dollar amount of transfers. Prior notice need not be given where an immediate change is necessary to maintain or restore the security an electronic fund transfer system or account.
18. Limitations on Actions - The University is an agency of the State of Maryland. As such, it is entitled to immunity from liability as provided by law. The University has not waived its immunity by permitting the Cardholder the use of the OneCard. Accordingly, if the Cardholder believes there was a breach of the OneCard User Agreement or of any of these disclosures and you wish to take legal action, you must do so within one year of the alleged breach or within one year of the termination of the OneCard Agreement.

Simplified Notice Gramm-Leach-Bliley
We do not disclose, and do not wish to disclose, nonpublic personal information about customers or former customers to affiliated or nonaffiliated third parties except as authorized by law or as set forth in paragraph 14. We collect nonpublic personal information from information we receive from you on applications or other forms and information about your transactions with our affiliates, others, or us. We restrict access to nonpublic personal information about you to those employees who need to know that information necessary to effect, administer, or enforce a transaction that you request or authorize and to third parties as set forth in paragraph 14. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law or a set forth in paragraph 14. Revised 4/17