CrimsonCard Terms & Conditions
The CrimsonCard Photo ID ("Card") is issued by Indiana University ("University") to its students and employees, and others associated with Indiana University to verify their identity and manage access to University services and facilities.
The Card also functions as a stored value card, and as such, is associated with certain CrimsonCard-branded stored value accounts (each, a "CrimsonAccount" and, collectively the "CrimsonAccounts").
This agreement (this "Agreement") is entered into between University and each student, employee, or other individual, issued a Card (each, "Cardholder").
In exchange for being issued a Card, Cardholder agrees to abide by the Official University Identification Card Policy (the "Policy") and to the following terms and conditions:
Terms and Conditions
Cardholder understands and agrees that University may update this Agreement and these terms and conditions from time-to-time. University shall make the current version of this Agreement and these terms and conditions available to Cardholders at the CrimsonCard offices on each campus and on the CrimsonCard website ("Website"). Changes to this Agreement and these terms and conditions will apply to all Cardholders and CrimsonAccounts and supersede any conflicting terms and conditions in effect when the Cardholder was issued the Card.
Use and Ownership
Cardholder understands and agrees that the Card is the property of University. Cardholder shall not permit anyone else to use the Card issued to Cardholder or the associated CrimsonAccounts for any reason.
Cardholder may use funds deposited into the CrimsonAccounts to pay for certain goods and services on campus and off campus at approved locations listed on the Website. Cardholder cannot use the CrimsonAccounts for cash advances or cash withdrawals and cannot receive a refund in cash on returns of purchases made using the Card. The CrimsonAccounts are not designed to be used as a banking service, and no interest will be paid on account balances maintained in the CrimsonAccounts.
Cardholder may obtain account balance and transaction history through the Website or by request at a CrimsonCard office.
Participating merchants that accept the Card as payment may require additional identification to ensure that the person using the Card is the specific Cardholder, and may require Cardholder to sign a receipt as evidence that Cardholder agrees to pay the charged amount for the goods or services.
The Card may NOT be used for purchasing alcoholic beverages, tobacco products, e-cigarettes, lottery tickets, gift cards, money orders or travelers’ checks.
Damaged, Lost, Stolen, Misuse or Expired Cards
Cardholder is responsible for care and protection of the Card. If the magnetic stripe on the Card is damaged and becomes unreadable by any Card reader or terminal, Cardholder is required to obtain a replacement of the Card at Cardholder’s expense (See "Schedule of Fees").
If the Card is lost or stolen, Cardholder agrees to promptly call CrimsonCard Services at (317) 274-0400 to deactivate the Card or promptly deactivate the Card himself or herself on the Website. When a Card has been deactivated, Cardholder cannot use funds in the CrimsonAccounts and may not be able to use the Card for access to certain University facilities.
Misuse of the Card will result in the deactivation of the Card and subjects the Cardholder to possible disciplinary action by the University.
Cardholder is responsible for any transactions that may occur between the time the Card is lost or stolen and the time that the Card is deactivated. When Cardholder obtains a replacement Card, University will transfer any remaining account balances from the deactivated Card to the replacement Card.
A replacement Card fee (See "Schedule of Fees") may be charged for lost, stolen or damaged cards.
Cardholder understands and agrees that Card privileges and the CrimsonAccounts will be deactivated if Cardholder is no longer a student of University or is no longer employed by University or affiliated with University as required by the Policy.
Cardholders can add funds to multiple CrimsonAccounts. The maximum balance allowed on a CrimsonAccount is $2,000. Balances cannot be transferred between accounts associated to a Cardholder or between Cardholders.
CrimsonAccount – CrimsonCash
- Available to all Cardholders
- Payment deposit options include:
- Credit Card: A deposit processing fee (See "Schedule of Fees") is assessed when using this payment option. This fee will be charged for each credit card deposit transaction.
- Bursar Charge: This option is limited to students enrolled at University. Student Cardholders can authorize a charge to the University Bursar account. Charges billed to the Bursar account must be paid in full by the billed due date. Non-payment of these Bursar account charges may result in restriction of access to CrimsonAccount funds.
- PrePay: This option is limited to University employees. Eligible employees can add funds to the CrimsonAccount by authorizing a recurring deduction from each paycheck up to a predetermined limit ($150 for employees paid monthly and $75 for employees paid bi-weekly).
- Family and friends of Cardholder can also load funds to the CrimsonAccount through an online portal, but they cannot use the CrimsonAccount or view the balance of the CrimsonAccount through that portal.
CrimsonAccount – EZ Deposit
- Available to University students primarily through course registration
- Payment option limited to Bursar Charge. Student Cardholders can authorize a charge to the University Bursar account. Charges billed to the Bursar account must be paid in full by the billed due date. Non-payment of charges may result in restriction of access to CrimsonAccount funds.
CrimsonAccount – Payroll Advance
- Available to University benefits-eligible employees
- Eligible University employees can purchase goods and services on the Card up to a predetermined limit ($150 for employees paid monthly and $75 for employees paid bi-weekly) via a payroll advance provided by University. Employees utilizing this option authorize University to deduct the amount of any such purchases from their paycheck for the relevant pay period.
- If purchases exceed the amount earned by the Cardholder in any given pay period, the Cardholder is responsible for paying the outstanding balance and agrees to pay that amount within thirty (30) days of the date of Cardholder’s paycheck for the given pay period. If the outstanding balance is not paid within such thirty (30) day period, the Cardholder’s CrimsonAccounts will be deactivated until the balance is paid in full. The Cardholder is responsible for any collection fees (See "Schedule of Fees").
University employees can opt-out of the CrimsonAccount payroll (Payroll Advance and Prepay) options at any time after signing up for these options. Any request to opt-out of the CrimsonAccount payroll (Payroll Advance or Payroll Prepay) options must be made in person by Cardholder at a CrimsonCard office or sent from Cardholder’s University email account.
In the event Cardholder opts out of the payroll advance option, Cardholder agrees that University may deduct any remaining amount of payroll advance from Cardholder’s next paycheck.
CrimsonAccount – Payroll Advance
If Cardholder enrolls in the "Payroll Advance" option, Cardholder understands and agrees that the purchases made under this option are a payroll advance by University on wages earned by Cardholder. Any amounts advanced by University to Cardholder under this option will be deducted via payroll deduction from Cardholder’s wages. Cardholder understands and agrees that the Card is not a credit card or credit account.
Funds added to the CrimsonAccount via the PrePay option or through credit card will be used before purchases can be made by Cardholder via payroll advance.
As soon as Cardholder believes there is a discrepancy related to a purchase using the Card or with respect to a CrimsonAccount transaction, Cardholder must provide notice of the discrepancy to the relevant merchant, if applicable, and try to resolve the discrepancy with that merchant. If Cardholder is unable to resolve the discrepancy with the merchant on Cardholder’s own or the discrepancy does not relate to a transaction with a specific merchant, Cardholder should contact CrimsonCard Services to resolve the discrepancy. University reserves the right to correct the balance on any CrimsonAccount if University determines that a clerical or accounting error has occurred.
Refunds are issued only to Cardholder. Any request for refund of funds in a CrimsonAccount must be made in person by Cardholder at a CrimsonCard office or sent from Cardholder’s University email account.
Refunds are only provided when the CrimsonAccount balance is more than $15.00. Cardholder may request that University issue the refund in one of two ways:
- Via check mailed to Cardholder’s address of record. Closed Account Fee will be deducted from the refund (See "Schedule of Fees").
- Via electronic balance transfer to a guest card.
If a CrimsonAccount has sustained no activity for a period of twelve (12) months or more and has a positive balance, the account will be determined dormant and assessed a monthly dormant account fee until one of the following occurs:
- The Cardholder uses a CrimsonAccount for payment.
- The balance reaches zero (0).
- After a period of thirty (30) months, a positive balance remains in the CrimsonAccount, at which time that balance will be forfeited to the University.
The Cardholder will be notified by email before dormant fees are assessed on [a CrimsonAccount balance / the CrimsonAccount balances].
Schedule of Fees
- Replacement Card Fee: $25.00
- Deposit Processing Fee: $2.50
- Closed Account Fee: $15.00
- Dormant Account Fee: $3.00/month
- Collection Fees: In the event a CrimsonAccount has an outstanding balance for 30 days or more, the account may be sent to University Collections. Cardholder is responsible for any fees associated with University’s attempt to collect any outstanding balance.
Disclosure of Accounting Information to Third Parties
Cardholder understands and agrees that University may disclose to third parties information about Cardholder’s account or transactions, under the following circumstances:
- When it is necessary for completing a transaction
- In order to verify the existence and condition of the Cardholder account for a third party, such as a credit bureau or merchant
- To comply with government agency or court orders or as otherwise required by law
- With Cardholder’s written permission
This Agreement is governed by and shall be construed in accordance with the laws of the State of Indiana, without regard to choice of law rules. Any disputes arising out of or in connection with this Agreement shall be submitted to the exclusive jurisdiction of a state or federal court in Indiana.
For additional information or to report problems with a Card or CrimsonAccount, contact CrimsonCard Services at (317) 274-0400 or through our Website. Contact details, locations and office hours are also available on the Website.
Last Review Date: June 1, 2017 | Revision: 1