The 10k Giveaway

How To Enter

 

 

OFFICIAL RULES

FREESTAR FINANCIAL CREDIT UNION’S $10,000 GIVEAWAY LOAN PROMOTION (“Loan Promotion”) OVERVIEW:

Apply and close on a qualifying Home Equity Line of Credit or Mortgage Loan in an amount of $25,000 or more with FreeStar Financial Credit Union (“FreeStar Financial”) during the Promotion Period and be entered to win a Grand Prize of $10,000.

 

AGREEMENT TO OFFICIAL RULES:

By participating in the Loan Promotion, you agree to abide by and be bound by these Official Rules and the decisions of FreeStar Financial, which shall be final and binding in all matters related to the Loan Promotion.

 

ELIGIBILITY:

The Loan Promotion is open only to FreeStar Financial members that are in good standing with FreeStar Financial, are natural person residents of the State of Michigan, and are 18 years of age or older.. Employees and Board Members of FreeStar Financial, , and the members of their immediate families residing within the same household are not eligible. Immediate family shall include spouses, parents, children, siblings, grandparents, grandchildren and any other person residing within the same household (“Eligibility Requirements”). Only one entry per household will be accepted. FreeStar Financial reserves the right to verify Eligibility Requirements in its sole discretion. FreeStar Financial’s decisions with respect to Eligibility Requirements are final.

 

QUALIFYING LOANS:

In order to participate in the Loan Promotion, you must satisfy the Eligibility Requirements set forth in this these Official Rules and you must apply, be approved, and close on a Qualifying Loan. A Qualifying Loan is a Home Equity Line of Credit or Mortgage Loan that (1) is in the amount of $25,000 or more; (2) is applied for and approved during the Promotion Period; (3) is closed and funded on or before November 30, 2022; (4) is secured by real property located in the State of Michigan; (3) personal property, if any, securing the loan must be titled in the State of Michigan. applied for more during the Promotion Period (“Qualifying Loan”). Your Qualifying Loan must be closed and funded on or before November 30, 2022 in order to be eligible for the Grand Prize drawing. Homes and real property located outside the State of Michigan are ineligible to serve as security for loans with FreeStar Financial Credit Union.

 

PROMOTION PERIOD:

Applications must be received and approved by FreeStar Financial during the Promotion period. The Promotion Period will begin at 12:00 am EST August 1, 2022 and will end at 11:59 pm EST

on October 31, 2022 (the “Promotion Period”). Qualifying Loans must be funded no later than November 30, 2022 in order to be eligible for the Grand Prize drawing.

 

HOW TO ENTER:

Eligible participants closing a Qualifying Loan on or before November 30, 2022 will be automatically entered into the Grand Prize Drawing. Eligible participants will receive only one entry for each Qualifying Loan (“Qualifying Entry”). In the event there is more than one borrower on a Qualifying Loan, the Qualifying Entry will be made on behalf of the eligible participant that is the primary borrower on the Qualifying Loan.

 

SELECTION OF WINNER:

One (1) Grand Prize of $10,000 will be awarded to one ( 1) person selected from all Qualifying Entries by a random drawing held on December 12, 2022.

Odds of winning will depend on the total number of Qualifying Entries received during the Promotion Period.

 

 

NOTIFICATION OF WINNER AND AWARD OF GRAND PRIZE:

The winner will be contacted within fifteen (15) days of the drawing. The selected winner will be required to complete and return a Release and an Affidavit of Eligibility/Liability/Publicity/Release Form before being awarded the Grand Prize. The completed Affidavit must be returned to FreeStar Financial within 14 days of Grand Prize notification. 

The Qualifying Loan account must be open and in good standing at the time of the drawing and at the time the Grand Prize is awarded. If the Qualifying Loan is not open and in good standing and/or the winner is not in good standing with FreeStar Financial at the time of the drawing and/or at the time the Grand Prize is awarded, FreeStar Financial reserves the right to disqualify the winner and select an alternate winner by random drawing in accordance with these Official Rules. In no event will more than one (1) Grand Prize be awarded.

Prize award is subject to verification of the winner’s identity and eligibility. In the event that potential winner cannot be contacted, fails to return the Affidavit within the required timeframe, refuses the Grand Prize, or is determined to be ineligible or disqualified for any reason, FreeStar Financial will select an alternate winner in a random drawing from among all remaining Qualified

Entries, if time permitting, up to four (4) alternates. If each of the alternate potential winners are disqualified, the Grand Prize will not be awarded. No compensation will be given upon prize forfeiture.

The Grand Prize will be awarded in the form of one-time (1) deposit into the winner’s FreeStar Financial Credit Union Savings Account within eight (8) weeks after prize confirmation and verification has been completed. The Grand Prize must be accepted as awarded without substitution and is not, in whole or in part, assignable or transferable to another party.

All decisions made by FreeStar Financial will be final and binding on all matters relating to this Loan Promotion.

In no event will more than one (1) Grand Prize be awarded.

 

PUBLICITY AUTHORIZATION:

By participating in the Loan Promotion, participants agree that FreeStar Financial has the right and permission to use their name, voice, city/state of residence, biographical information, photograph, and/or likeness via any and all forms of media for advertising and/or trade and/or other purpose, in perpetuity, without further or additional notice, attribution, permission or compensation, except where prohibited by law. Prize winners agree that their name and the Prize may be revealed to other participants upon request.

 

CONDITIONS OF PARTICIPATION:

If for any reason the operation or administration of the Loan Promotion is impaired or incapable of running as planned for any reason, including but not limited to (a) infection by computer virus, bugs, (b) tampering or unauthorized intervention, (c) fraud, (d) technical failures, or (e) any other causes beyond the control of FreeStar Financial which corrupt or affect the administration, security, fairness, integrity or proper conduct of this Loan Promotion, FreeStar Financial reserves the right, in its sole and absolute discretion, to disqualify any person who tampers with the entry process, and/or to cancel, terminate, modify or suspend the Loan Promotion in whole or in part, at any time, without notice and award the Grand Prize using all non-suspect Qualifying Entries received as of, or after (if applicable) such cancellation, termination, modification or suspension date, or in any manner that is fair and equitable and best conforms to the spirit of these Official Rules. FreeStar Financial reserves the right, in its sole and absolute discretion, to disqualify any person deemed to be tampering or attempting to tamper with the entry process and/or acting in violation of these Official Rules or in an unsportsmanlike or disruptive manner. Failure by FreeStar Financial to enforce any provision of these Official Rules shall not constitute a waiver of that provision of the Official Rules. FreeStar Financial reserves the right to amend these Official Rules or discontinue the Loan Promotion at any time.

 

RELEASE AND HOLD HARMLESS:

By entering the Loan Promotion and/or accepting the Grand Prize, participants agree to hold FreeStar Financial and its officers, directors, employees, representatives and agents harmless from any and all liability whatsoever in connection with the Loan Promotion, including without limitation, legal claims, costs, injuries, losses or damages, demands with respect to (a) any errors that may prevent a person from submitting an entry; (b) unauthorized human intervention in the Loan Promotion; (c) printing errors; (d) errors in the administration of the Loan Promotion or the processing of entries; (e) injury, death, or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from participation in the Loan Promotion or receipt of the Grand Prize; (f) all claims based on publicity rights, defamation, use of image or likeness and/or breach of any right of privacy; or (g) any other claims or actions of any kind. Except where prohibited by law, acceptance of the Grand Prize constitutes a release by the winner of any and all claims in connection with the administration of the Loan Promotion and the use, misuse or possession of the Grand Prize. FreeStar Financial is not responsible for any printing, typographical, mechanical or other error in the administration of the Loan Promotion or in the announcement of the Grand Prize.

 

LIMITATION OF LIABILITY:

IN NO EVENT WILL FREESTAR FINANCIAL OR ITS OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS BE RESPONSIBLE OR LIABLE FOR ANY DAMAGES OR LOSSES OF ANY KIND (INCLUDING WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES) ARISING OUT OF PARTICIPATION IN THE LOAN PROMOTION OR THE ACCEPTANCE, POSSESSION, USE, OR MISUSE OF, OR ANY HARM RESULTING FROM THE ACCEPTANCE, POSSESSION, USE OR MISUSE OF THE GRAND PRIZE.

 

COMPLIANCE WITH LAW:

All issues and questions concerning the Loan Promotion, these Official Rules, the rights of the participants in connection with the Loan Promotion, any dispute arising between FreeStar Financial and any participant and/or any dispute concerning the administration of the Loan Promotion shall be governed by and construed in accordance with the laws of the state of Michigan and applicable Federal law.

 

USE OF DATA:

All information submitted will be treated according to FreeStar Financial’s Privacy Policy. By participating in the Loan Promotion and providing your contact information, all persons entering hereby agree to FreeStar Financial’s collection and usage of their personal information and acknowledge that they have agreed to be bound by FreeStar Financial’s Privacy Policy.

 

PROMOTION SPONSOR AND ADMINISTRATOR:

FreeStar Financial Credit Union, 37570 Gratiot Ave, Clinton Township, MI 48036.

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