Mesa State College MAVcard
Your Mesa State College MAVcard is not only your College identification card;
it can also be used as a DEBIT CARD to make purchases from on-campus card
readers or point-of-sale terminals. Because these purchases are electronically
debited
to your MSC MAVcard account at the College, they can be made without the
hassle of using cash or writing checks. Purchases and other transactions that
use
your MSC MAVcard to debit or credit your MSC MAVcard Account are called “electronic
fund transfers” or “transfers.”
The federal Electronic Fund Transfer Act, 15 U.S.C. §§1693
et seq., and Federal Reserve Board Regulation E, 12 C.F.R. §§205.1
et seq., protect cardholders who use their MSC MAVcard to make
electronic fund transfers. This disclosure statement notifies
you of important rights that you, as a cardholder, have under
the Act and Regulation E. Please retain this disclosure statement
for your records and information.
GENERAL TERMS AND CONDITIONS
General terms and conditions governing the issuance, ownership,
and use of your MSC MAVcard and governing your MSC MAVcard
Account are listed in the TERMS AND CONDITIONS AGREEMENT attached
to this Disclosure Statement and in your application for a
MSC MAVcard. Use of your MSC MAVcard is also subject to the
terms, conditions, rules, and regulations listed in the Mesa
State College Student Handbook.
VALIDATING YOUR MSC MAVcard FOR USE AS A DEBIT CARD
You cannot use your MSC MAVcard as a debit card until the card
has been VALIDATED. If you do not want to validate your MSC
MAVcard, you may either return it to the MSC MAVcard Office
or keep it to use as your College ID card. However, if you
choose to keep an invalidated MSC MAVcard for use as an ID
card, you MAY NOT use it as a debit card or to make other transfers.
To validate your MSC MAVcard as a debit card, you must deposit
funds in one of two MAVcard Accounts. There are two accounts
you may deposit money into. One account is the MAVmoney Account.
This is a FOOD SERVICE ONLY account. In the MAVmoney Account
you have options of the type of plan you would like to purchase.
The second account is the MAVcard Flex Account. This account
can be used anywhere on campus where Flex money is accepted such
as the bookstore, business office, game room, Outdoor Program,
library and parking services including parking meters.
Your MSC MAVcard will be validated as a debit card once the deposit
is credited to one or both of these accounts. For information
about opening and depositing funds into one or both of these
MSC MAVcard Accounts, please refer to the TERMS AND CONDITIONS
AGREEMENT attached to this disclosure statement.
YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS
Notify the College AT ONCE if you believe that your MSC MAVcard
has been lost or stolen. If you fail to notify the College
that your card has been lost or stolen, you could lose all
the money in your MSC MAVcard Account. TELEPHONING the MSC
MAVcard Office at the number listed below is the best way to
minimize your losses.
If you notify the College within 2 business days after you learn
that your MSC MAVcard has been lost or stolen, you can lose no
more than $50 if someone used your card without your permission.
If you do NOT notify the College within 2 business days after
you learn of the loss or theft of your card, and the College
can prove that it could have stopped someone from using your
card without your permission if you had notified the College
within 2 business days, you could lose as much as $500.
Also, if your MSC MAVcard Account statement shows electronic
fund transfers that you did not make, notify the College AT ONCE
at the telephone number or address listed below. If you do NOT
notify the College within 60 calendar days after the statement
was mailed to you (by e-mail or regular mail), you may not get
back any money that you lost after 60 calendar days if the College
can prove that it could have stopped someone from taking the
money if you had notified it in time.
If a good reason (such as a long trip or hospital stay) kept
you from notifying the College of a lost or stolen card or unauthorized
transfer, the College will extend the 2-business day or 60 calendar
day time periods. The stolen MAVcard fee can also be waived if
a formal police report is done on the stolen property.
THE TELEPHONE NUMBER OR ADDRESS YOU SHOULD CONTACT TO REPORT
A LOST OR STOLEN MSC MAVcard OR AN UNAUTHORIZED TRANSFER
If you believe that your MSC MAVcard has been lost or stolen
or that someone has transferred or may transfer money from your
MSC MAVcard Account without your permission, CALL the MSC MAVcard
Office at: (970) 248-1059
Or WRITE to: The MSC MAVcard Office, 1100 North Avenue, Grand
Junction, CO 81501-3122
When you call or write, tell us:
*Your name, address, birth date, and MSC MAVcard number;
*Any information you may have which may help the College prevent a loss or
additional loss of funds in your MSC MAVcard account; and
*A telephone number at which we can call you during regular business hours.
The MSC MAVcard Office is open for business from 8:00 a.m. to
5 p.m. Monday through Friday excluding official College holidays.
In addition, lost or stolen MSC MAVcards can be reported 24 hours
per day, 7 days per week by calling the telephone number listed
above and stating your name, card number, and belief that your
card has been lost or stolen. Lost and stolen card issues will
be resolved within the next business day.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
If you think that your statement or receipt is wrong or if you
need more information about a transfer listed on the statement
or receipt, call the College at (970) 248-1059 or write the
College at The MSC MAVcard Office, 1100 North Avenue, Grand
Junction, CO 81501-3122, as soon as you can. The College must
hear from you no later than 60 days after the College sent
the FIRST statement on which the problem or error appeared.
When you call or write:
(1) Tell us your name and account number.
(2) Describe the error or the transfer you are unsure about, and explain as
clearly as you can why you believe it is in error or why you need more information.
(3) Tell us the dollar amount of the suspected error.
If you tell the College orally, you may be required to send
the College your complaint in writing within 10 business days.
The College will determine whether an error occurred within 10
business days after we hear from you and correct any error promptly.
If it needs more time, however, the College may take up to 45
days to investigate your complaint or question. If we decide
to do this the College will credit your account within 10 business
days for the amount you think is in error, so you will have the
use of the money during the time it takes the College to complete
its investigation. If we ask you to put your complaint or question
in writing and do not receive it within 10 business days, the
College may not credit your account.
The College will tell you the results of its investigation within
3 business days after the investigation is completed. If we decide
that there was no error, we will send you a written explanation.
BUSINESS DAYS
For purposes of these disclosures, the College’s business
days are Monday through Friday. Saturdays, Sundays, and official
College holidays listed in the annual Academic Calendar are not
College business days.
ELECTRONIC FUND TRANSFERS
1. TRANSFERS FROM YOUR MSC MAVcard ACCOUNT
a. You can use your MSC MAVcard to pay for purchases at on-campus facilities
equipped with card readers or point-of-sale terminals. The amounts of these
purchases will be debited to your MSC MAVcard Account.
2. DEPOSITS TO YOUR MSC MAVcard ACCOUNT
You can make deposit to your MSC MAVcard Account by cash, credit
card, or check. Deposits for Flex money may be made at the
MSC MAVcard Office, W.W. Campbell College Center and the Business
Office, Lowell Heiny Hall. MAVmoney deposits are only accepted
at the MSA MAVcard Office.
3. LIMITATIONS ON FREQUENCY AND DOLLAR AMOUNTS OF TRANSFERS
There are NO limitations on the FREQUENCY or DOLLAR AMOUNT of
the transfers you can make with your MSC MAVcard. However,
you may not make a purchase or other transfer that exceeds
the current cash balance in your MSC MAVcard Account.
4. PRE-AUTHORIZED TRANSFERS
You CANNOT use your MSC MAVcard to make pre-authorized transfers.
5. TRANSFERS FROM MSC MAVcard FLEX ACCOUNT and MAVmoney ACCOUNT
You CANNOT transfer money from your MAVmoney Account to your
MAVcard Flex Account. The MAVmoney Account is for Campus Dining
meal plans only and can only be used in campus food service
locations on campus and UTEC. Money can be transferred from
your MAVcard Flex Account to a MAVmoney Account.
6. If MSC does not complete a transfer to or from your account
on time or in the correct amount according to our agreement with
you, we will be liable for your losses or damages. However, there
are some exceptions. MSC will not be liable, for instance:
1. If, through no fault of ours, you do not have enough money
in your account to make the transfer.
2. If the terminal system was not working properly and you knew
about the breakdown when you started the transfer.
3. If circumstances beyond our control (such as fire or flood)
prevent the transfer, despite reasonable precautions that we
have taken.
CONFIDENTIALITY
The College may disclose information to third parties about your
MSC MAVcard Account:
1. When it is necessary to complete a transfer;
2. To comply with lawfully issued subpoenas and government agency or court
orders; or
3. If you give the College advance written permission to do so.
YOUR RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS—PERIODIC
STATEMENTS
1. RECEIPTS
Card Reader and Point-of-Sale Terminal Purchases. You can get a receipt for
any purchase or other transfer you make from any card reader or point-of-sale
terminal operated by a cashier.
2. ACCOUNT STATEMENTS
You will receive a periodic account statement for your MSC MAVcard Account.
Your statement will be sent via email if your email address is provided to
the MSC MAVcard Office; otherwise the statement will be mailed to your permanent
address. You will receive a monthly account statement unless there are no transfers
in a particular month. In any case, you will get the statement at least quarterly
or by calling the office during regular business hours. By Fall 2005, you may
also view your monthly account on-line. For more information about on-line
account information, please contact the MSC MAVcard Office.
CHANGE OF TERMS NOTICE.
The College will mail you a written notice within 21 days before
the effective date of any change in the terms and conditions
governing your MSC MAVcard and MSC MAVcard Account if the change
will result in:
1. New or increased fees;
2. Increases in your liability;
3. Fewer types of transfers becoming available; or
4. New or stricter limitations on the frequency or dollar amount of transfers
