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1. ELIGIBILITY:
A. NO PURCHASE IS NECESSARY TO WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. Advance Financial Federal Credit Union (AFFCU, or henceforth the “Credit Union”) Board of Directors, Supervisory Committee Members, and Employees and their immediate family members are not eligible to win.
B. The Giveaway is governed by U.S. law and is subject to all applicable federal, state and local laws and regulations. By entering the Giveaway, entrants agree to accept and be bound by all terms of these official rules (“Official Rules”). Void where prohibited by law.
2. HOW TO ENTER:
A. From March 1, 2023 through October 31, 2023 (the “Entry Period”), the Credit Union will conduct a monthly drawing for current AFFCU members in good standing. New members who open an account during the Promotion period will be automatically entered. Current AFFCU members in good standing and age 18+ will be automatically entered. To enter without purchase or obligation: print your name, address, city, state, zip code, and phone number on a 3”x5” card and the words ‘AFFCU 85th Anniversary Monthly Drawing Contest’. Mail to: Advance Financial FCU, ATTN: Marketing, 31 W US Highway 30, Schererville, IN 46375. Entries must be postmarked no later than the 15th day of each month to be entered into the drawing.
3. HOW TO WIN:
A. On the last day of each month in the promotion period, unless the last day falls on weekend, the drawing will be held the following day, one (1) potential winner (when verified by AFFCU as set forth below, the “Winner” will be selected in a random drawing. Each Winner will be notified and announced within 5 business days of the drawing via email and mail. Winning a prize is contingent upon fulfilling all requirements set forth in these Official Rules. Odds of winning depend on the number of eligible entries received.
B. If there is a dispute as to the identity of a Winner, the winning entry will be declared to have been made by the authorized account holder at time of the drawing. Such potential Winner will be disqualified, the prize will be forfeited and an alternate potential Winner will be selected by alternate random drawing from among all remaining eligible entries and an alternate Winner may be selected at AFFCU’s sole and absolute discretion if: (i) any prize notification is returned as undeliverable; (ii) a potential Winner declines his or her prize; (iii) a potential Winner fails to comply with any of the Official Rules; or (iv) a potential Winner does not respond to notification or accept the prize within seven (7) days.
C. The decisions of AFFCU in all matters regarding this Contest are final and binding.
D. Winner must reply to AFFCU’s email or mail notification within seven (7) days or forfeit the prize. If no reply is received from the Winner, AFFCU will select an alternate Winner.
E. Winner will be announced in the AFFCU quarterly newsletter, branch lobbies, website, Facebook page and/or press releases.
4. PRIZE:
A. One (1) Winner will receive: One (1) retail or restaurant gift card in the amount of eighty-five dollars ($85.00). The total retail value of the prize is eighty-five dollars ($85.00). B. No substitution or transfer of prizes or cash redemption is permitted. AFFCU reserves the right to substitute a prize (or portion thereof) comparable or greater value, in its sole discretion. There will be no substitutions if the Winner is unable for any reason to use or accept the prize. If any portion of the prize is canceled or postponed for any reason, no prize will be provided in lieu thereof, nor will AFFCU award an alternate prize or cash value or any part of the prize. Prizes may be subject to certain terms and conditions as specified by issuer. D. Winner is responsible for the reporting and payment of all federal, state and local taxes (if any) and any other costs and expenses associated with prize acceptance and use not specified in these Official Rules and/or in the applicable entry instructions as being provided. Prize will be fulfilled within a reasonable time of AFFCU’s verification of Winner. All prize details and additional terms, conditions, or eligibility requirements are in AFFCU’s discretion.
5. GENERAL: By entering this Contest, entrant grants Contest Entities and their designees the right, unless prohibited by law, to use their names, user names, entries, cities and states of residences, voices, avatars, pictures and likenesses, without compensation, notification or approval, for the purpose of advertising and publicizing the goods and services of AFFCU and all matters related to the Contest, in any manner or medium, now or hereafter known, throughout the world in perpetuity. AFFCU EXPRESSLY DISCLAIMS ANY RESPONSIBILITY AND ENTRANTS AGREE TO INDEMNIFY AND HOLD HARMLESS AFFCU AND THEIR RESPECTIVE EMPLOYEES, OFFICERS, DIRECTORS, SHAREHOLDERS AND AGENTS, FROM AND AGAINST ANY AND ALL CLAIMS, ACTIONS, DEMANDS AND/OR LIABILITIES FOR INJURY/DEATH, DAMAGE OR LOSS TO ANY PERSON OR PROPERTY RELATING TO OR ARISING IN CONNECTION WITH PARTICIPATION IN THIS CONTEST (REGARDLESS OF THE CAUSE OF SUCH INJURY OR LOSS), THE DELIVERY AND/OR SUBSEQUENT USE OR MISUSE OF THE PRIZE AWARDED AND/OR PRINTING, DISTRIBUTION OR PRODUCTION ERRORS. WINNER ACKNOWLEDGES THAT THE PRIZE IS AWARDED “AS IS” AND THAT AFFCU HAS NOT MADE AND IS NOT IN ANY MANNER RESPONSIBLE OR LIABLE FOR ANY REPRESENTATION, GUARANTEE OR WARRANTY, EXPRESSED OR IMPLIED, IN LAW OR IN FACT, RELATIVE TO ANY PRIZE, INCLUDING, BUT NOT LIMITED TO ITS QUALITY, MECHANICAL CONDITION OR FITNESS FOR A PARTICULAR PURPOSE.
6. DISPUTES:
A. Except where prohibited, entrants agree that: (i) any and all disputes, claims and causes of action arising out of or connected with the Contest or any prize awarded will be resolved individually, without resort to any form of class action and exclusively by the appropriate court located in the state of Indiana; (ii) any and all claims, judgments, and awards to entrants will be limited to actual out of pocket costs incurred, including costs associated with participating in this Contest, but in no event attorneys’ fees; and (iii) under no circumstances will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim, punitive, incidental and consequential damages, and any other damages other than for actual out of pocket expense and any and all rights to have damages multiplied or otherwise increased. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules or entrants’ and/or AFFCU rights and obligations in connection with the Contest are governed by and construed in accordance with the laws of the state of Indiana, without giving effect to any choice of law or conflict of law rules.
B. If there is any conflict with any Contest details contained in these Official Rules and Contest details contained in Contest materials (including, but not limited to, point of sale, television, radio, and print advertising, promotional packaging, and other promotion media), the details of the Contest as set forth in these Official Rules prevail.
7. PRIVACY POLICY: Any personally identifiable information collected during an entrant's participation in this Contest will be used by AFFCU and their affiliates, agents and marketers in accordance with AFFCU’s privacy policy, located at www.advancefcu.org.
8. OFFICIAL RULES OR WINNERS LIST: For a copy of the Official Rules or full Winner List (available on or about November 5, 2023) send a self-addressed, stamped envelope (residents of VT need not include return postage on rules requests) to the following address no later than November 30, 2023 (Please specify “Official Rules” or “Winners”): 85th Anniversary Contest, 31 W US Highway 30, Schererville, IN 46375.
9. Advance Financial Federal Credit Union: 31 W US Highway 30, Schererville, IN 46375