1. Use and Ownership
The Raider One Card and the photo are the property of the College. They are used by
College departments and staff to identify you as a College student or staff member
and provide you with access to various services. You must present your Raider One
Card upon request by a College official or its service providers. The Raider One Card
is entrusted to you so that you may have access to the multitude of services available
to you with the card.
The name printed on the card is your official name as recorded in the College’s database.
You are the only person entitled to use your card. The Raider One Card is non-transferable.
You may not use your Raider One Card for any illegal, improper or unlawful purpose,
for example, presenting your Raider One Card as evidence of being a student at the
College while not registered as a student. Using another student’s Raider One Card,
or altering, falsifying or selling a Raider One Card is prohibited and subject to
sanctions, and may also be subject to civil or criminal proceedings.
Protect your card by storing it in a safe place. Do not apply stickers or make any other modifications to your card.
Note: Holes are allowed on the Raider One Card as it can be worn as an ID Badge.
You may use your Raider One Card college account, provided funds are available in
your accounts. The accounts associated with the Raider One Card function under the
principle of a declining balance account, where purchases made using the Raider One
Card will be deducted from the account balance. The Raider One Card does not provide
credit. Cash-back transactions are not permitted.
You are responsible for use of the Raider One Card, including debits made as a result
of misuse of your Raider One Card. In the instances of iROC Cash transactions, the
College will be able to assist in resolving disputes (see Section 5).
You are responsible for safeguarding your Raider One Card against loss or theft, for
maintaining it in proper working condition and for keeping your online account passwords
confidential. The College will not ask you to divulge any of your access information.
If you suspect another person knows your online passwords, login to your Raider One
Card account and change the password immediately.
3. Lost or Stolen Raider One Cards
If your Raider One Card is lost or stolen, you must take action immediately. You
must login to your iROC Cash college account to suspend the account. A fee of $10
is charged for all replacement cards at the Cashier/Business Office. There are no
refunds for the card replacement fee if the lost card is subsequently found. Once
you have received your new card, you will need to contact the Card Services office
at 248-232-4400 to remove the suspension on the iROC Cash account. When a new Raider
One Card is issued, all previous Raider One Cards are permanently deactivated. If
a card is found, it can be turned into any Public Safety Office on campus.
- You are responsible for all transactions until your Raider One Card account is suspended.
The College is not responsible for funds or services obtained using a lost or stolen
card. You will not be responsible for unauthorized use, which are transactions occurring
after you suspend your Raider One Card account. Once you have replaced your Raider
One Card, your remaining cash balance will be transferred to your new card. If your
Raider One Card is found and returned to the College, the Card Services office will
4. Expired Raider One Cards
The expiry date that appears on the front of the Enhanced Raider One Card is applicable
to the prepaid debit account associated with the Enhanced card only. On June 30,
2016, the prepaid debit account will close. You will continue to have access to the
iROC Cash account and library access with this card.
Basic Raider One Cards do not expire.
5. Transaction Disputes
If you want to dispute an iROC Cash account transaction, you must contact the Card
Services office at 248-232-4400. You must provide the date, location, and amount
of the transaction, along with any other information that may help staff resolve your
Disputing a charge does not necessarily guarantee that the disputed charge will be
credited to your iROC Cash account. Charge disputes are dealt with on a case-by-case
All Raider One Card account funds are in US dollars. Cash deposited in your card
account must be in US dollars. All deposits made from a debit or credit card outside
of the United States may not be equivalent to the exact amount deposited due to currency
7. Refusal to accept or honor a Raider One Card as payment
The College is not responsible for refusal to accept or honor your Raider One Card
for whatever reason, including:
- Insufficient funds in your account at the time of the purchase;
- Equipment normally used to process the transaction is not functioning;
- Temporary suspension or cancellation of your account due to a violation of these terms
and conditions; or
- Card was suspended due to being lost or stolen.
iROC Cash Account Refunds
Only students who are graduating or permanently leaving the college may have the money
from their iROC Cash college account refunded. The iROC Cash account will be rendered
closed with the processing of the refund request. Refunds may be requested at the
campus Cashier/Business Office. There must be a balance greater than $5 at the time
of the request for a refund. Please allow 3-4 weeks for refund check processing.
Note: There will be a $10 fee to reactivate the iROC Cash account, or replace the
card, if you return to the College.
Enhanced Debit Raider One Card Account Refunds
Please contact Cardholder Services at 855-613-9098. This line will be available through
December 31, 2016.
9. Residual Funds
The iROC Cash account is considered inactive if it has no activity for twenty-four
(24) consecutive months, at which time the account will be closed.
10. Offline Transactions
If the iROC Cash account transaction readers are in an offline mode, transactions
cannot be accepted.
11. Library Card Feature
Your Raider One Card also serves as your OCC Library Card. Visit any of the campus
library circulation desks to have your Raider One Card activated for library use.
Once activated, you can use your card to check out materials from any OCC campus library,
login to your library account to view and renew checked-out items, or borrow materials
from other participating libraries through MeLCat.
You may also use your Raider One Card to print and copy in the library. Stations
are available in each library for you to add funds to your card for printing/copying.
The card holder agrees to be financially responsible for all materials borrowed and
services utilized with this card, and agree to abide by all OCC policies and regulations.
12. Collection and use of your personal information
Your personal information is intended to be used to verify your identity, to operate
your Raider One Card through payment card networks for the purpose of providing the
services associated with the Raider One Card, administering College programs and activities,
and carrying out other College services and functions.
Without limiting the general interpretation of the previous sentence:
The name printed on the card is the individual’s official name as recorded in the
College’s database. Your digital photograph will be printed on the face of your Raider
One Card and will be stored in a confidential Card Services database. Student photographs
and enrollment information are proprietary and are kept secure and confidential.
Outside parties are not privileged to personal or account information unless express
consent is granted, or the College is complying with security, legal or government
13. Limitations on the College's Liability and Indemnity
The College is not liable to you for any loss, inconvenience to you or to others,
or for any damages (including special, indirect or consequential) or expenses of any
kind that may result from the use or misuse of the Raider One Card or if, for whatever
reason, your Raider One Card is not accepted or you do not have sufficient funds in
your accounts. You agree to indemnify, hold harmless and release the College from
any and all claims for losses, damages, injury, fees, expenses, charges or debts made
by any party against the College arising out of the use or misuse of the Raider One
These terms and conditions are governed by the laws of the State of Michigan applicable