Advia Credit Union's $3K HELOC Giveback Giveaway Official Rules
NO PURCHASE, PAYMENT, OR OBLIGATION NECESSARY TO ENTER OR WIN. SWEEPSTAKES OPEN ONLY TO ADVIA CREDIT UNION MEMBERS IN GOOD STANDING WHO ARE LEGAL RESIDENTS OF THE STATES OF IL, MI AND WI, 18 YEARS OF AGE OR OLDER AS OF SEPTEMBER 19, 2022.
ELIGIBILITY: Sweepstakes is open only to Advia Credit Union members in good standing with an existing HELOC account who are legal residents of the States of Illinois, Michigan and Wisconsin, 18 years of age or older as of September 19, 2022 (“Eligible Participants”). Employees and volunteers of Advia Credit Union (“Sponsor” or “Advia CU”), James & Matthew advertising agency, their respective subsidiaries, advertising/promotion agencies, and their immediate families (spouse, parents, IRS dependents, children and siblings and their respective spouses) and/or those living in the same household of such employees, whether related or not, are not eligible to participate. Sponsor reserves the right to verify eligibility qualifications of the prize winner. Sweepstakes is subject to all applicable, federal, state, local laws and regulations. Void in all other States of the United States and U.S. Territories and wherever else prohibited by law.
DESCRIPTION & SWEEPSTAKES TIMING: Advia Credit Union’s $3K HELOC Giveback Giveaway (“Sweepstakes”) begins at 12:00 AM Eastern Time (“ET”) on September 19, 2022 and ends at 11:59:59 PM ET on December 31, 2022 (the “Sweepstakes Entry Period”). The Sponsor’s computer will be the official timekeeping device for this Sweepstakes.
HOW TO ENTER: There are two (2) ways to enter the Sweepstakes:
- Purchase Entry Method: An Advia CU member will receive one (1) automatic Sweepstakes entry, up to a maximum of three (3) entries each week, when they make a withdrawal from their existing Home Equity Line of Credit (HELOC) during the promotional period of September 19, 2022 through December 31, 2022. Qualifying purchases will be limited to three (3) per week. Entries received in excess of the allowable limit noted above will be void.
- To enter without purchase or obligation: To receive one (1) Sweepstakes entry each time a valid alternate entry is submitted, up to a maximum of three (3) entries each week, an Advia CU member may send in a mail-in entry on a 3“x5” piece of paper and handwrite their full name, street address, city, state, ZIP code (no PO Boxes allowed), daytime phone number and e-mail address (optional) and the location of the Advia CU branch location that you most often visit, and mail it, in a #10 size envelope that must have your full name and complete mailing address that is legibly hand written in upper left hand corner on the outside of the envelope with only an affixed postage stamp that can be used to pay for postage fee (using a metered postage machine will not be accepted as a form of payment for postage and entry would be disqualified), to: Advia CU $3K HELOC Giveback Giveaway, PO Box 488, Syosset, NY 11791-0488. Mail-in entries are limited to no more than three (3) per week. Each mail-in entry must be sent in a separate envelope and be postmarked by December 31, 2022 and received no later than January 6, 2023 to be eligible for the random drawing. All mail-in entries received become the sole property of the Sponsor and will not be acknowledged or returned. Sponsor is not responsible for late, lost, incomplete, illegible, incorrect, damaged, postage due or misdirected entries, all of which will be disqualified. Entries received in excess of the allowable limit noted above will be void.
Proof of mailing alternate entry does not constitute proof of actual receipt/delivery of an Entry for purposes of this Sweepstakes. Please be advised that you are only entering Advia Credit Union’s $3K HELOC Giveback Giveaway and will NOT receive an entry into any other Sweepstakes at this time. By participating in the Sweepstakes, all entrants agree to be bound by these Official Rules, which are final and binding on all matters pertaining to this Sweepstakes. Sweepstakes entries are limited to no more than a combination of three (3) per week regardless of entry method used.
RANDOM DRAWING DETAILS: A random drawing will be conducted by Marden Kane, Inc., an independent judging organization, on or about January 15, 2023 from all eligible entries received. Winner will be contacted on or about January 20, 2023. Odds of winning will depend on the total number of eligible Entries received during the Sweepstakes Entry Period. Decisions of the Sponsor will be final and binding on all matters relating to the random drawing and all other matters regarding this Sweepstakes. Grand Prize will be awarded provided a sufficient number of eligible Entries are received by the Sweepstakes Entry Period deadline date in order to conduct the random drawing. Prize is nontransferable and no substitutions are allowed except by Advia CU who reserves the right to award a prize of equal or greater approximate retail value and comparable use. Potential winner is subject to verification of eligibility and compliance with these Official Rules.
One (1) Grand Prize: Amount equal to highest value withdrawal from qualifying HELOC, from $500 up to $3,000, awarded in the form of one-time deposit into Advia CU Share Savings Account within approximately two (2) weeks after prize confirmation and verification has been completed. This one-time deposit does not constitute a payment towards any outstanding balance owed at the time of deposit; any regularly schedule loan payment due will be the responsibility of the member.
If potential Winner was randomly selected as an automatic entrant, he/she will need to have withdrawn at least $10,000 from their HELOC and have made three monthly interest-only payments on the HELOC loan within the timeframe of the Giveaway or will make their first three monthly payments if newly opened HELOC loan during the timeframe of Giveaway. The line must be open and the member in good standing at the time Grand Prize is awarded. Winner must have each of their accounts in good standing in accordance with the terms described in the Advia CU Account Disclosures and Agreements posted at: https://www.adviacu.org/disclosures/Advia-Member-Agreement-TIS.pdf or else their entry would be disqualified, and an alternate winner would be selected in accordance with these Official Rules. The winner shall bear all risk of loss to their prize after being awarded it by Advia CU who is not responsible for it being lost, stolen or withdrawn from their Advia CU Share Savings Account without permission; nor will the prize be replaced.
If the potential winner is randomly selected as a mail-in entrant, he/she would still need to be an eligible Advia CU member who is in good standing and is a legal resident of the States of Illinois, Michigan or Wisconsin, 18 years of age or older as of September 19, 2022.
Being in “bad standing” would include the following conditions: negative share/checking balance, delinquent loan, charge off account/shares/loans, foreclosure, repossession, bankruptcy.
Any and all other costs and expenses associated with prize acceptance and use not specifically stated within these Official Rules as being provided, are the sole responsibility of the winner, including, without limitation, all federal, state, and local taxes. If due to a printing, production, technical, human or other type of error, more than one (1) Grand Prize is claimed than is to be awarded, the intended prize will be awarded in a random drawing from among all verified and validated prize claims received for the Grand Prize. In no event will more than one (1) Grand Prize be awarded.
WINNER NOTIFICATION AND VERIFICATION: Potential Grand Prize Winner will be required to complete and return an Affidavit of Eligibility/Liability/Publicity/Release Form (“Affidavit”) before being awarded the prize which must be returned within ten (10) days of attempted notification. As required by law, the Grand Prize winner, who will be awarded a prize valued at $600 or more, will also be required to report their prize to the IRS and complete the W9 Form with their social security number. Prize award is subject to verification of potential Prize winner’s identity and eligibility to Sponsor’s satisfaction. In the event that potential winner cannot be contacted, fails to return the Affidavit within the required timeframe noted above, refuses the prize, or is disqualified for any reason, Sponsor will select an alternate potential winner in a random drawing from among all remaining eligible entries, if time permitting, up to four (4) alternates. If each of the alternate potential winners are disqualified, the prize will not be awarded. No compensation will be given upon prize forfeiture.
GENERAL CONDITIONS: All materials submitted become the sole property of Advia CU and will not be returned. The Affidavit is subject to verification by Advia CU. The awarding of the prize is contingent on individual’s full compliance with these Official Rules, as determined by Advia CU in its sole discretion. Sponsor reserves the right not to award the stated prize if, in its’ sole discretion, it determines that it does not have a sufficient number of qualified entries. Acceptance of prize constitutes permission of the winner to allow Advia CU and its agencies the right to use winner’s name, city, state, prize information, biographical information, comments, voice, image, photograph, and/or likeness for purposes of advertising, trade and/or publicity without further compensation in all media now known or hereafter discovered, in perpetuity, worldwide and on the World Wide Web, without notice, review or approval, unless prohibited by law. If winner is found to have falsified any data or material, the winner forfeits his/her prize and is disqualified, and an alternate winner will be selected according to the original winner selection method. In the event there is a discrepancy or inconsistency between disclosures, or other statements contained in any Sweepstakes or advertising materials and the terms and conditions of the Official Rules, the Official Rules shall prevail, govern and control.
Multiple entrants are not permitted to share the same email address. In the event of a dispute over the identity of the potential winner, the entry will be declared made by the authorized account holder of the email address submitted at the time of entry, and potential winner may be required to provide identification sufficient to show that he/she is the authorized account holder of such email address. The authorized account holder is deemed as the natural person assigned to an email address by an Internet access provider, service provider, or other organization responsible for assigning email addresses or the domain associated with the submitted email address. It is the sole responsibility of the entrant to notify the Sponsor in writing if the entrant changes his or her email address after the Sweepstakes Entry Period has ended. All entries become the property of Sponsor and will not be returned to entrant. By participating in the Sweepstakes, all Entrants agree to indemnify, release and hold harmless employees and volunteers of Sponsor, James & Matthew advertising agency and their respective parent, subsidiaries and all of their respective employees, directors, officers, agents, successors and assigns, (collectively “Releasees”), from any injuries, losses, damages, claims and actions of any kind resulting from or arising from participation in the Sweepstakes or acceptance, possession, use, non-use or misuse of a prize. Advia CU and its agents, as defined above as part of Releasees, shall not be responsible for printing, typographical or other inadvertent errors in any Sweepstakes-related materials or other errors relating to or in connection with the Sweepstakes, including without limitation, errors which may occur in connection with the administration of the Sweepstakes, the processing of entries, the announcement of winner; or winner’s paperwork to be processed that is lost, misdirected, delayed, undecipherable, fail to enter into the processing system, or are processed, reported, or transmitted late or incorrectly for any reason, including any equipment, systems, networks, lines, satellites, servers, computer, telephone, paper transfer, or human error or electronic, computer, or telephonic malfunction or error. Sponsor is not required to enter into correspondence with entrants, including via e-mail. Sponsor and all other Released Parties (as defined above) have neither made nor are in any manner responsible or liable for any warranty, representation or guarantee, express or implied, in fact or in law, with respect to any part of the Prize, including, without limitation, as to such Prize’s quality or fitness for a particular purpose.
CAUTION: ANY ATTEMPT TO DELIBERATELY UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES IS A VIOLATION OF CRIMINAL & CIVIL LAWS & SHOULD SUCH AN ATTEMPT BE MADE, ADVIA CREDIT UNION RESERVES THE RIGHT TO SEEK DAMAGES OR OTHER REMEDIES FROM ANY SUCH PERSON(S) RESPONSIBLE FOR THE ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW. Advia CU’s failure to enforce any terms of these Official Rules shall not constitute a waiver of that or any other provision. Each entry must be manually key stroked and manually entered by the individual entrant. Any automated and/or electronic submission of entry (including but not limited to entries made using any script, macro, bot or Sweepstakes service) will be disqualified and transmissions from these or related email or IP addresses may be blocked. If, in Advia CU’s opinion, there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Sweepstakes, or if computer virus, bugs, unauthorized intervention, fraud, or technical difficulties or failures compromise or corrupt or affect the administration, integrity, security, fairness, or proper conduct of the Sweepstakes, Advia CU reserves the right at their sole discretion, to disqualify any individual who tampers with the entry process and void any entries submitted fraudulently, to modify or suspend the Sweepstakes, or to terminate the Sweepstakes and conduct a random drawing to award the prizes among all valid entries received as of the termination date. The Sponsor will not be responsible for acts of God, dangerous weather conditions, pandemic virus, acts of terrorism, civil disturbances, work stoppage or any other matters beyond the Sponsor's reasonable control (each a “Force Majeure” event) that may cause the cancellation or postponement of the Sweepstakes.
DISPUTES: Except where prohibited, all issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the entrant and Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the United States and the State of Michigan, without giving effect to any choice of law or conflict of law rules (whether of the State of Michigan, or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Michigan.
Except where prohibited, as a condition of participating in this Sweepstakes, each participant agrees that any and all disputes that cannot be resolved between the participant and any Releasee, claims and causes of action arising out of or connected with this Sweepstakes, or the prize awarded, or the determination of the winner must be resolved individually, without resort to any form of class action. Further, in any such dispute, under no circumstances will a participant be permitted or entitled to obtain awards for, and hereby waives all rights to claim punitive, incidental or consequential damages, or any other damages, including attorneys’ fees, other than participant’s actual out-of-pocket expenses (if any), and participant further waives all rights to have damages multiplied or increased.
COPY OF RULES: For a copy of the Official Rules visit: https://www.adviacu.org/helocgiveback/.
WHO WON: For the name of the winner, send a self-addressed, stamped envelope, by February 15, 2023, to: Advia CU $3K HELOC Giveback Giveaway Winner, Attention: Marketing Department; 6400 West Main Street; Kalamazoo, MI 49009.
SPONSOR: Advia Credit Union, 6400 West Main Street; Kalamazoo, MI 49009.
OPT-OUT: If you do not wish to receive future sweepstakes mailings from Advia CU, please write to Sponsor address listed above.