{"component": "clause", "props": {"groups": [{"samples": [{"hash": "kV8PKfuxvXy", "uri": "/contracts/kV8PKfuxvXy#lost-or-stolen-card", "label": "Cardholder Agreement", "score": 33.8327789307, "published": true}, {"hash": "1qSqEDIknyb", "uri": "/contracts/1qSqEDIknyb#lost-or-stolen-card", "label": "Cardholder Agreement", "score": 33.4166984558, "published": true}, {"hash": "lCnNM2okUCy", "uri": "/contracts/lCnNM2okUCy#lost-or-stolen-card", "label": "Cardholder Agreement", "score": 33.0964279175, "published": true}], "snippet": "Except as otherwise stated herein, you are responsible for all transactions initiated through the use of your Card, including any PIN-based transactions, any transactions initiated by presenting the Card Number only and any authorized transactions initiated by someone else. If you believe your Card or Access Information has been lost or stolen, call the number or write to the address listed in the \u201cContact Information\u201d section below. You should also call the number or write to the address listed in the \u201cContact Information\u201d section below if you believe a transfer has been made using the information from your Card or Access Information without your permission. You also agree to cooperate completely with the Servicer in attempts to recover funds from unauthorized users and to assist in their prosecution", "size": 27, "snippet_links": [{"key": "responsible-for", "type": "clause", "offset": [43, 58]}, {"key": "all-transactions", "type": "clause", "offset": [59, 75]}, {"key": "use-of-your-card", "type": "clause", "offset": [98, 114]}, {"key": "the-card-number", "type": "definition", "offset": [195, 210]}, {"key": "authorized-transactions", "type": "definition", "offset": [224, 247]}, {"key": "access-information", "type": "definition", "offset": [303, 321]}, {"key": "been-lost-or-stolen", "type": "clause", "offset": [326, 345]}, {"key": "contact-information", "type": "clause", "offset": [402, 421]}, {"key": "information-from", "type": "clause", "offset": [594, 610]}, {"key": "information-without", "type": "clause", "offset": [631, 650]}, {"key": "agree-to", "type": "clause", "offset": [677, 685]}, {"key": "the-servicer", "type": "definition", "offset": [712, 724]}, {"key": "unauthorized-users", "type": "clause", "offset": [759, 777]}, {"key": "to-assist", "type": "clause", "offset": [782, 791]}], "hash": "1d1d08ce12a781ff2e9ce185e8770be2", "id": 1}, {"samples": [{"hash": "iFb40LHFtAN", "uri": "/contracts/iFb40LHFtAN#lost-or-stolen-card", "label": "Credit Card Agreement", "score": 28.6683826447, "published": true}, {"hash": "90IF9XvvuLU", "uri": "/contracts/90IF9XvvuLU#lost-or-stolen-card", "label": "Credit Card Agreement", "score": 28.6683826447, "published": true}, {"hash": "7F6GIZeuW0r", "uri": "/contracts/7F6GIZeuW0r#lost-or-stolen-card", "label": "Credit Card Agreement", "score": 23.8350448608, "published": true}], "snippet": "You are responsible for the possession and use of the Card and must maintain the confidentiality of the Personal Identification Number (PIN) we may assign you. You will notify us if you believe your Card has been lost, stolen or if you have reason to believe that the Card is being used without your permission immediately. You may notify security by calling \u2587\u2587\u2587-\u2587\u2587\u2587-\u2587\u2587\u2587\u2587 or \u2587-\u2587\u2587\u2587-\u2587\u2587\u2587-\u2587\u2587\u2587\u2587 seven (7) days a week twenty-four (24) hours a day.", "size": 15, "snippet_links": [{"key": "responsible-for", "type": "clause", "offset": [8, 23]}, {"key": "use-of-the-card", "type": "definition", "offset": [43, 58]}, {"key": "personal-identification-number", "type": "definition", "offset": [104, 134]}, {"key": "notify-us", "type": "clause", "offset": [169, 178]}, {"key": "your-card", "type": "clause", "offset": [194, 203]}, {"key": "reason-to-believe", "type": "definition", "offset": [241, 258]}, {"key": "a-week", "type": "definition", "offset": [405, 411]}, {"key": "a-day", "type": "definition", "offset": [435, 440]}], "hash": "cb84803799f5547b077aadac7aae912b", "id": 2}, {"samples": [{"hash": "iSDVkYaHZBq", "uri": "/contracts/iSDVkYaHZBq#lost-or-stolen-card", "label": "Gift Card Cardholder Agreement", "score": 24.0910339355, "published": true}, {"hash": "bF00224CRs7", "uri": "/contracts/bF00224CRs7#lost-or-stolen-card", "label": "Gift Card Cardholder Agreement", "score": 23.9390830994, "published": true}, {"hash": "lioWVWnevm5", "uri": "/contracts/lioWVWnevm5#lost-or-stolen-card", "label": "Gift Card Cardholder Agreement", "score": 23.7008895874, "published": true}], "snippet": "You agree to safeguard your Card against loss or theft by taking all reasonable precautions. If your Card has been lost or stolen, you agree to notify us IMMEDIATELY at \u2587.\u2587\u2587\u2587.\u2587\u2587\u2587.\u2587\u2587\u2587\u2587, 24 hours a day, 7 days a week. When you notify us, you must provide your name, Card number and other identifying details. We cannot assist you if you do not have the Card number. We will make reasonable efforts to lock a lost or stolen Card from further use. If you notify us promptly of a lost or stolen Card and we are able to lock it from further use, you will not be liable for any further transactions associated with the lost or stolen Card. You may request a replacement Card for a lost, stolen or damaged Card at the Distributor. A replacement Card will not be issued unless you present adequate proof of purchase, the 16 digit Card number, the damaged Card, in the case of a damaged Card, and your full identification. Requests to replace a Card may be denied by us or the Distributor, in either\u2019s discretion, in the event we or the Distributor suspects fraudulent or unlawful activity or improper Card use. If the replacement is approved, a new Card will be issued and activated in the amount remaining on the Card, if any, at the time of the replacement. Replacements may take up to 30 days to process. There may be a fee associated with a Replacement Card (see Card Fees above). Replacements may take up to 30 days to process. Limitation of Bank\u2019s Liability for Unauthorized Transactions. Because your Card is accepted like cash by Merchants for purchases, you are responsible for all transactions associated with your Card, including unauthorized transactions. We are not responsible for the delivery, quality, safety, legality, or any aspect of goods or services that you purchased from others with your card. All such disputes should be addressed to the merchants from whom the goods and services were purchased. However, if your Card is lost, stolen, or damaged, the Card can be replaced with the balance remaining on it at the time you notify us that it has been lost, stolen or damaged, provided you are able to provide us with the Card number or other information that allows us to obtain the Card number so we can lock the Card. We are not liable for any claims of special, indirect or consequential damages. We reserve the right to decline to issue you a replacement Card in accordance with applicable law. It may take up to thirty (30) days to process a request for a replacement, however, we will endeavor to provide you with a replacement Card on as timely a basis as is reasonable under the circumstances.", "size": 15, "snippet_links": [{"key": "you-agree-to", "type": "clause", "offset": [0, 12]}, {"key": "your-card", "type": "clause", "offset": [23, 32]}, {"key": "loss-or-theft", "type": "clause", "offset": [41, 54]}, {"key": "reasonable-precautions", "type": "definition", "offset": [69, 91]}, {"key": "been-lost-or-stolen", "type": "clause", "offset": [110, 129]}, {"key": "notify-us-immediately", "type": "clause", "offset": [144, 165]}, {"key": "a-day", "type": "definition", "offset": [194, 199]}, {"key": "a-week", "type": "definition", "offset": [208, 214]}, {"key": "you-must-provide", "type": "clause", "offset": [236, 252]}, {"key": "identifying-details", "type": "definition", "offset": [286, 305]}, {"key": "the-card-number", "type": "definition", "offset": [347, 362]}, {"key": "reasonable-efforts", "type": "clause", "offset": [377, 395]}, {"key": "further-transactions", "type": "clause", "offset": [571, 591]}, {"key": "associated-with", "type": "definition", "offset": [592, 607]}, {"key": "replacement-card", "type": "clause", "offset": [651, 667]}, {"key": "stolen-or-damaged", "type": "clause", "offset": [680, 697]}, {"key": "the-distributor", "type": "clause", "offset": [706, 721]}, {"key": "proof-of-purchase", "type": "clause", "offset": [789, 806]}, {"key": "in-the-case", "type": "clause", "offset": [852, 863]}, {"key": "in-the-event", "type": "clause", "offset": [1004, 1016]}, {"key": "unlawful-activity", "type": "clause", "offset": [1062, 1079]}, {"key": "card-use", "type": "clause", "offset": [1092, 1100]}, {"key": "new-card", "type": "clause", "offset": [1136, 1144]}, {"key": "time-of-the", "type": "clause", "offset": [1226, 1237]}, {"key": "card-fees", "type": "clause", "offset": [1358, 1367]}, {"key": "limitation-of", "type": "clause", "offset": [1424, 1437]}, {"key": "liability-for-unauthorized-transactions", "type": "clause", "offset": [1445, 1484]}, {"key": "responsible-for", "type": "clause", "offset": [1562, 1577]}, {"key": "all-transactions", "type": "clause", "offset": [1578, 1594]}, {"key": "not-responsible", "type": "clause", "offset": [1666, 1681]}, {"key": "the-delivery", "type": "clause", "offset": [1686, 1698]}, {"key": "goods-or-services", "type": "definition", "offset": [1744, 1761]}, {"key": "addressed-to", "type": "definition", "offset": [1837, 1849]}, {"key": "the-goods-and-services", "type": "clause", "offset": [1874, 1896]}, {"key": "replaced-with", "type": "clause", "offset": [1980, 1993]}, {"key": "the-balance", "type": "clause", "offset": [1994, 2005]}, {"key": "provide-us", "type": "clause", "offset": [2115, 2125]}, {"key": "other-information", "type": "definition", "offset": [2150, 2167]}, {"key": "not-liable", "type": "clause", "offset": [2241, 2251]}, {"key": "claims-of", "type": "clause", "offset": [2260, 2269]}, {"key": "indirect-or-consequential-damages", "type": "clause", "offset": [2279, 2312]}, {"key": "right-to-decline", "type": "clause", "offset": [2329, 2345]}, {"key": "to-issue", "type": "clause", "offset": [2346, 2354]}, {"key": "in-accordance-with", "type": "clause", "offset": [2378, 2396]}, {"key": "applicable-law", "type": "clause", "offset": [2397, 2411]}, {"key": "process-a", "type": "definition", "offset": [2451, 2460]}, {"key": "request-for", "type": "definition", "offset": [2461, 2472]}, {"key": "reasonable-under-the-circumstances", "type": "definition", "offset": [2580, 2614]}], "hash": "640ec0122fbc2bc408729b0adfaeda88", "id": 3}, {"samples": [{"hash": "4dXSTJfayKf", "uri": "/contracts/4dXSTJfayKf#lost-or-stolen-card", "label": "Cardholder Agreement", "score": 35.8423461914, "published": true}, {"hash": "7i8XBXV15hs", "uri": "/contracts/7i8XBXV15hs#lost-or-stolen-card", "label": "Cardholder Agreement", "score": 35.5980148315, "published": true}, {"hash": "hIEdiWd6VLt", "uri": "/contracts/hIEdiWd6VLt#lost-or-stolen-card", "label": "Cardholder Agreement", "score": 35.1166038513, "published": true}], "snippet": "If you need to replace your Card for any reason, please contact us at \u2587-\u2587\u2587\u2587-\u2587\u2587\u2587-\u2587\u2587\u2587\u2587 to request a replacement Card. You will be required to provide personal information which may include your Account number, full name, transaction history, and other relevant information. There is a fee for replacing your Card except to replace an expired Card.", "size": 8, "snippet_links": [{"key": "you-need", "type": "clause", "offset": [3, 11]}, {"key": "your-card", "type": "clause", "offset": [23, 32]}, {"key": "for-any-reason", "type": "clause", "offset": [33, 47]}, {"key": "contact-us-at", "type": "clause", "offset": [56, 69]}, {"key": "to-request", "type": "clause", "offset": [85, 95]}, {"key": "replacement-card", "type": "clause", "offset": [98, 114]}, {"key": "to-provide", "type": "clause", "offset": [137, 147]}, {"key": "information-which", "type": "clause", "offset": [157, 174]}, {"key": "account-number", "type": "definition", "offset": [192, 206]}, {"key": "transaction-history", "type": "definition", "offset": [219, 238]}, {"key": "other-relevant-information", "type": "clause", "offset": [244, 270]}, {"key": "expired-card", "type": "definition", "offset": [332, 344]}], "hash": "5c01b7299ba6d36e4044d8a31e92a102", "id": 4}, {"samples": [{"hash": "3YkUArrzamY", "uri": "/contracts/3YkUArrzamY#lost-or-stolen-card", "label": "Business Credit Card Agreement", "score": 31.8327655792, "published": true}, {"hash": "3fUyXZkicpR", "uri": "/contracts/3fUyXZkicpR#lost-or-stolen-card", "label": "Business Credit Card Agreement", "score": 28.2622356415, "published": true}, {"hash": "Lu0K5gKH11", "uri": "/contracts/Lu0K5gKH11#lost-or-stolen-card", "label": "Business Credit Card Agreement", "score": 23.918548584, "published": true}], "snippet": "If a Card is lost or stolen or if any one of you or the Cardholder suspects it is lost or stolen or being used by someone else, you or the Cardholder must tell us immediately. After we have been told that a Card has been or may have been lost, stolen or misused, we will be able to prevent the use of the Card and Card number. If we suspect unauthorized or fraudulent use of a Card or a Card number, the use of any Card can be blocked or prevented without notice to you. You will not be liable to us for any Debt resulting from the loss, theft or misuse of a Card that is incurred after the time any one of you or the Cardholder tells us about the loss, theft or misuse of a Card. Notwithstanding the above, if a Card is lost, stolen or misused, you will be liable to us for:\ni. all amounts owing on the Card, up to a maximum of $1,000.00, resulting from the loss, theft or misuse of the Card that is incurred before the time any one of you or the Cardholder tells us about that loss, theft or misuse through any one or more transactions on the Card, for which the Card or Card number has been used to complete those transactions; and\nii. all amounts owing on the Card, resulting from the loss, theft or misuse of the Card that is incurred before the time any one of you or the Cardholder tells us about that loss, theft or misuse through any one or more transactions on the Card, for which the Card and PIN have been used together to complete those transactions.", "size": 6, "snippet_links": [{"key": "lost-or-stolen", "type": "definition", "offset": [13, 27]}, {"key": "card-number", "type": "clause", "offset": [314, 325]}, {"key": "use-of-a-card", "type": "clause", "offset": [368, 381]}, {"key": "notice-to-you", "type": "clause", "offset": [456, 469]}, {"key": "any-debt", "type": "definition", "offset": [504, 512]}, {"key": "resulting-from-the", "type": "clause", "offset": [513, 531]}, {"key": "notwithstanding-the", "type": "definition", "offset": [681, 700]}, {"key": "amounts-owing", "type": "definition", "offset": [783, 796]}, {"key": "misuse-of-the-card", "type": "clause", "offset": [874, 892]}, {"key": "card-and-pin", "type": "clause", "offset": [1395, 1407]}], "hash": "bc7920377c0cb7ef7472349a231b2cda", "id": 5}, {"samples": [{"hash": "lIJhymZPSMS", "uri": "/contracts/lIJhymZPSMS#lost-or-stolen-card", "label": "Prepaid Card Cardholder Agreement", "score": 28.8042354584, "published": true}, {"hash": "k4QnLrcj59G", "uri": "/contracts/k4QnLrcj59G#lost-or-stolen-card", "label": "Prepaid Card Cardholder Agreement", "score": 27.7065505981, "published": true}, {"hash": "an1sF4cuRyZ", "uri": "/contracts/an1sF4cuRyZ#lost-or-stolen-card", "label": "Prepaid Card Cardholder Agreement", "score": 26.3413848877, "published": true}], "snippet": "You agree to protect your Card against loss, theft, or unauthorized use by taking all reasonable precautions. If your Card has been lost or stolen or if you have reason to believe that someone has made an unauthorized transaction with your Card or may attempt to use your Card without your permission, you agree to notify us IMMEDIATELY by calling \u2587.\u2587\u2587\u2587.\u2587\u2587\u2587.\u2587\u2587\u2587\u2587. All transactions carried out prior to such notification shall be deemed to have been authorized by you. You will be asked to provide us with your name, the Card number, and the original Card value and transaction history. We cannot re-issue a Card if you do not have your Card number. If our records show that a Balance still remains on the Card, we will cancel the Card and make such available Balance amounts available to you on a re-issued Card. It may take up to thirty (30) days to process your re-issuance request.", "size": 5, "snippet_links": [{"key": "you-agree-to", "type": "clause", "offset": [0, 12]}, {"key": "your-card", "type": "clause", "offset": [21, 30]}, {"key": "unauthorized-use", "type": "definition", "offset": [55, 71]}, {"key": "reasonable-precautions", "type": "definition", "offset": [86, 108]}, {"key": "been-lost-or-stolen", "type": "clause", "offset": [127, 146]}, {"key": "reason-to-believe", "type": "definition", "offset": [162, 179]}, {"key": "unauthorized-transaction", "type": "definition", "offset": [205, 229]}, {"key": "notify-us-immediately", "type": "clause", "offset": [315, 336]}, {"key": "all-transactions", "type": "clause", "offset": [364, 380]}, {"key": "prior-to", "type": "clause", "offset": [393, 401]}, {"key": "authorized-by", "type": "definition", "offset": [449, 462]}, {"key": "provide-us", "type": "clause", "offset": [489, 499]}, {"key": "the-card-number", "type": "definition", "offset": [516, 531]}, {"key": "the-original", "type": "definition", "offset": [537, 549]}, {"key": "card-value", "type": "clause", "offset": [550, 560]}, {"key": "transaction-history", "type": "definition", "offset": [565, 584]}, {"key": "our-records", "type": "clause", "offset": [652, 663]}, {"key": "available-balance", "type": "definition", "offset": [749, 766]}, {"key": "available-to", "type": "definition", "offset": [775, 787]}, {"key": "issuance-request", "type": "definition", "offset": [867, 883]}], "hash": "4f93591e90780e2197f9dbb9143c22cb", "id": 6}, {"samples": [{"hash": "2kwysbQQ2Ee", "uri": "/contracts/2kwysbQQ2Ee#lost-or-stolen-card", "label": "Atlas Cardholder Agreement", "score": 34.5003471375, "published": true}, {"hash": "4LfcUHr7fpO", "uri": "/contracts/4LfcUHr7fpO#lost-or-stolen-card", "label": "Atlas Cardholder Agreement", "score": 33.5489349365, "published": true}, {"hash": "gLvkeiINRsC", "uri": "/contracts/gLvkeiINRsC#lost-or-stolen-card", "label": "Atlas Cardholder Agreement", "score": 33.2671585083, "published": true}], "snippet": "If your Card is lost or stolen or if you think someone else may be using your Atlas Card Account, Card, or Access Credentials without your permission, you must contact us immediately at \u2587-\u2587\u2587\u2587-\u2587\u2587\u2587-\u2587\u2587\u2587\u2587, or email us at \u2587\u2587\u2587\u2587\u2587\u2587\u2587@\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587\u2587.", "size": 5, "snippet_links": [{"key": "your-card", "type": "clause", "offset": [3, 12]}, {"key": "lost-or-stolen", "type": "definition", "offset": [16, 30]}, {"key": "using-your-atlas-card-account", "type": "clause", "offset": [67, 96]}, {"key": "access-credentials", "type": "definition", "offset": [107, 125]}, {"key": "you-must-contact-us", "type": "clause", "offset": [151, 170]}], "hash": "f2aa68c7aa6637cb8a4671f4ceefebc9", "id": 7}, {"samples": [{"hash": "f7gVag9nrM", "uri": "/contracts/f7gVag9nrM#lost-or-stolen-card", "label": "Credit Card Agreement", "score": 29.5662384033, "published": true}, {"hash": "KlB8pOeWZ", "uri": "/contracts/KlB8pOeWZ#lost-or-stolen-card", "label": "Credit Card Agreement", "score": 28.0059394836, "published": true}, {"hash": "3MaHBk4J8U4", "uri": "/contracts/3MaHBk4J8U4#lost-or-stolen-card", "label": "Credit Card Agreement", "score": 26.4483776093, "published": true}], "snippet": "If the Credit Card is lost or stolen, the Cardholder must immediately report its loss to PNB using its Customer Service Hotline. In case a card is reported lost or stolen, any transaction made prior to reporting to PNB shall be for the account of the cardholder.", "size": 5, "snippet_links": [{"key": "the-credit-card", "type": "clause", "offset": [3, 18]}, {"key": "lost-or-stolen", "type": "definition", "offset": [22, 36]}, {"key": "loss-to", "type": "clause", "offset": [81, 88]}, {"key": "customer-service-hotline", "type": "definition", "offset": [103, 127]}, {"key": "in-case", "type": "clause", "offset": [129, 136]}, {"key": "prior-to", "type": "clause", "offset": [193, 201]}, {"key": "reporting-to", "type": "definition", "offset": [202, 214]}, {"key": "the-account", "type": "clause", "offset": [232, 243]}], "hash": "041047312484114f46b599f1780642ee", "id": 8}, {"samples": [{"hash": "3r6noMhdPyE", "uri": "/contracts/3r6noMhdPyE#lost-or-stolen-card", "label": "Cardholder Agreement", "score": 34.144657135, "published": true}, {"hash": "AKj7uUQL5f", "uri": "/contracts/AKj7uUQL5f#lost-or-stolen-card", "label": "Cardholder Agreement", "score": 33.7205467224, "published": true}, {"hash": "9hSvMArNPFE", "uri": "/contracts/9hSvMArNPFE#lost-or-stolen-card", "label": "Cardholder Agreement", "score": 33.5645179749, "published": true}], "snippet": "You will take reasonable steps to prevent the unauthorized use of Your Card and Account. If Your Card or Card Information is lost or stolen or if someone else might be using it without Your permission, You must tell us at once. You may tell us by calling the telephone number in the App, and on Your Statement or by writing us at the address on Your Statement. You will not be responsible for charges made to Your Account that are found by us to be unauthorized. If we reimburse Your Account for unauthorized charges made using Your Card, You will help us investigate, pursue, and get reimbursement from the wrongdoer. Your help includes giving us documents that we ask for and that are acceptable to us.", "size": 5, "snippet_links": [{"key": "reasonable-steps", "type": "clause", "offset": [14, 30]}, {"key": "use-of-your-card-and-account", "type": "clause", "offset": [59, 87]}, {"key": "card-information", "type": "definition", "offset": [105, 121]}, {"key": "lost-or-stolen", "type": "definition", "offset": [125, 139]}, {"key": "tell-us-at", "type": "clause", "offset": [211, 221]}, {"key": "telephone-number", "type": "definition", "offset": [259, 275]}, {"key": "the-app", "type": "clause", "offset": [279, 286]}, {"key": "your-statement", "type": "clause", "offset": [295, 309]}, {"key": "responsible-for", "type": "clause", "offset": [377, 392]}, {"key": "to-your-account", "type": "clause", "offset": [406, 421]}, {"key": "unauthorized-charges", "type": "clause", "offset": [496, 516]}, {"key": "using-your-card", "type": "definition", "offset": [522, 537]}], "hash": "6a4015aa3cbb6e896aef7b6f53c3c54c", "id": 9}, {"samples": [{"hash": "cNfCIEhuwbW", "uri": "/contracts/cNfCIEhuwbW#lost-or-stolen-card", "label": "Debit Card Agreement", "score": 22.7713890076, "published": true}, {"hash": "boD04HQVxZ0", "uri": "/contracts/boD04HQVxZ0#lost-or-stolen-card", "label": "Debit Card Agreement", "score": 22.7713890076, "published": true}], "snippet": "If the Card is lost, stolen, misused, misplaced or destroyed, by any means whatsoever, or the Member believes the PIN may have become known to someone other than the Member, or Interac Flash\u00ae has been used by someone other than the Member (all of the foregoing being collectively referred to as a \u201cLoss of Card\u201d) the Member shall notify Alterna Savings immediately of the Loss of Card:", "size": 5, "snippet_links": [{"key": "the-card", "type": "definition", "offset": [3, 11]}, {"key": "the-member", "type": "clause", "offset": [90, 100]}, {"key": "the-pin", "type": "clause", "offset": [110, 117]}, {"key": "interac-flash", "type": "clause", "offset": [177, 190]}, {"key": "the-foregoing", "type": "definition", "offset": [247, 260]}, {"key": "loss-of-card", "type": "clause", "offset": [298, 310]}], "hash": "1787d33d2a56a345c0ea70eb8042a62d", "id": 10}], "next_curs": "ClwSVmoVc35sYXdpbnNpZGVyY29udHJhY3RzcjgLEhZDbGF1c2VTbmlwcGV0R3JvdXBfdjU2Ihxsb3N0LW9yLXN0b2xlbi1jYXJkIzAwMDAwMDBhDKIBAmVuGAAgAA==", "clause": {"children": [["unauthorized-use-in-automated-terminals", "Unauthorized Use in Automated Terminals"], ["unauthorized-use-as-credit-card", "Unauthorized Use as Credit Card"]], "size": 201, "parents": [["card-terms", "CARD TERMS"], ["using-your-atlas-card-account", "Using Your Atlas Card Account"], ["additional-terms", "Additional Terms"], ["record-of-agreement", "Record of Agreement"], ["return-of-security-deposit", "Return of Security Deposit"]], "title": "Lost or Stolen Card", "id": "lost-or-stolen-card", "related": [["lost-or-stolen-cards", "Lost or Stolen Cards", "<strong>Lost or Stolen Cards</strong>"], ["lost-or-stolen-checks", "Lost or Stolen Checks", "Lost or Stolen Checks"], ["recovery-of-lost-or-stolen-card", "Recovery of lost or stolen card", "Recovery of <strong>lost or stolen card</strong>"], ["lost-or-stolen-certificates", "Lost or Stolen Certificates", "Lost or Stolen Certificates"], ["lost-or-mutilated-note", "Lost or Mutilated Note", "Lost or Mutilated Note"]], "related_snippets": [], "updated": "2025-07-24T04:27:57+00:00", "also_ask": ["What liability limits should be negotiated for unauthorized transactions?", "Which notification requirements are essential to include for cardholders?", "How does this clause compare to statutory protections under relevant law?", "What are the most common pitfalls that render this clause unenforceable?", "How can the clause be drafted to minimize disputes over timely reporting?"], "drafting_tip": "Specify notification procedures and timelines to ensure prompt reporting; allocate liability clearly to prevent disputes; define cardholder responsibilities to promote accountability.", "explanation": "The Lost or Stolen Card clause outlines the procedures and responsibilities when a cardholder's card is lost or stolen. Typically, it requires the cardholder to promptly notify the card issuer upon discovering the loss or theft, and may specify how liability for unauthorized transactions is handled until such notification is made. This clause is essential for protecting both the cardholder and the issuer from fraudulent use, ensuring that there is a clear process for reporting and limiting financial losses."}, "json": true, "cursor": ""}}