Bearcat Card Account Holder’s Liability for Unauthorized Purchases:

If a University ID card containing the Bearcat Card account information is lost or stolen, the Bearcat Card account holder is responsible for no more than $50 in unauthorized card purchases provided the card is reported as lost or stolen to the Bearcat Card Office within two business days after learning of the loss or theft. Once the card is reported as lost or stolen, the Bearcat Card account is deactivated.

If the Bearcat Card account holder fails to notify the Bearcat Card Office within two business days after learning the loss or theft of the card, but does notify the Bearcat Card Office within 60 days of a statement transmittal which shows that unauthorized card purchases appear on the statement, the Bearcat Card Account holder’s liability for the unauthorized purchases shall not exceed $500.

If the Bearcat Card Account holder fails to report an unauthorized card purchase within 60 days of transmittal of a statement, then the account holder’s liability for unauthorized purchases may have no dollar limit.

Business Days: Our business days are Monday through Friday. Holidays are not included.

Notification Procedure for Lost or Stolen Cards or Unauthorized Card Use:

Notification of lost or stolen cards or of unauthorized card use should be reported immediately to Bearcat Card Services by phone, in person, or in writing by contacting the Bearcat Card Office during business hours on Monday through Friday 8:00 a.m.-5:00 p.m, or 24 hours a day at www.uc.edu/bearcatcard/.  Suspend your card on-line and notify the Bearcat Card office on the next business day. If your card is linked to your PNC account, notify PNC Customer Service at 1-877-PNC-1000 or www.pnc.com/uc.

Disclosure of Accounting Information to Third Parties:

The University will disclose information to third parties about the account holder’s account or the transfer made only: (1) in order to comply with court orders or other applicable laws, or (2) if the account holder gives written permission.

Documentation of Transfers:

The point of sale terminal is equipped to provide a receipt.  The account holder will receive a receipt at the time of the purchase. The account holder can go online to http://blackboard.uc.edu/  to view monthly account statements up to 60 days detailing the Bearcat Card Account activity for the preceding semester.

University’s Liability for Failure to Make Transfers:

If we do not complete a transfer to or from the account holder’s account within a reasonable period of 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. We will not be liable, for instance:

If, through no fault of ours, the account holder does not have enough money in his/her account to make the transfer;

If circumstances beyond our control, (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken;

If, through no fault of ours, there is a delay in transferring data from one university computer system to the Bearcat Card system;

Error Resolution Procedures:

As soon as the account holder believes there is a discrepancy with a transaction on this/her statement or receipt or would like more information about a transaction listed on the statement or receipt, our office should be contacted. We must hear from the account holder no later than sixty (60) days after we sent the account holder the FIRST statement on which the discrepancy appears. Contact the Bearcat  Card Office, 265 Tangeman University Center, Cincinnati, OH 45221-0009 or telephone (513) 556-2000.

1. Include the account holder name and account number (if any).
2. Describe the transaction in question and explain as clearly as possible the discrepancy.
3. Indicate the dollar amount of the transaction.

If an account holder makes an oral request, we may require that the account holder send the question in writing within 10 business days.

We will tell the account holder the results of our investigation within 10 business days after we hear from the account holder and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate the discrepancy. If we decide to do this, we will re credit the account holder’s account within 10 business days for the amount of the discrepancy; so that the account holder will have the use of the money during the time it takes us to complete our investigation. If the account holder is asked to put the discrepancy in writing and we do not receive it within 10 business days, we may not re credit the account.

If we decide that there was no error, we will send the account holder a written explanation within 3 business days after we finish our investigation. The account holder may ask for copies of the documents that we used in our investigation.

Limitations on Transactions:

You may use up to $10 per day (if available on your account) from unattended campus vending  machines. There are no limits on your Bearcat card (if funds are available in your account) for Point of sale transactions from the merchants who accept the card.