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VETERANS UNITED HOME LOANS HOBBIES AND ENTERTAINMENT SURVEY PROMOTION (THE “PROMOTION”)

1. Sponsor

The Sponsor of this Promotion is Mortgage Research Center, LLC (d/b/a Veterans United Home Loans), a VA-approved lender (mortgage licensee - NMLS #1907) but not affiliated with the United States Department of Veterans Affairs or any government agency, and having a place of business at 1400 Veterans United Drive, Columbia, MO 65203.

2. Eligibility

The Promotion is only open to persons who fulfill all of the following requirements:

  • Are legal residents of one of the fifty (50) United States (including the District of Columbia);
  • Are 18 years of age or older at the time of entry;

Sponsor remains free at all times to interpret any definitions set forth in these Official Rules, and all other terms of these Official Rules and their application, in its sole discretion, all of which interpretations shall be final and binding.

Sponsor is free to determine eligibility, or ineligibility, using such rigor, method(s), review, verification, research, document requests and information requests as it chooses in its sole and absolute discretion. AN ENTRANT, HOWEVER, AS A CONDITION TO BEING NAMED THE WINNER OF THE PRIZE, MUST PROVIDE SUCH PROOF OF ELIGIBILITY AS SPONSOR REQUESTS, AND MUST DO SO WITHIN SUCH TIME FRAME AS SPONSOR REQUEST; FAILURE TO PROVIDE PROOF TO SPONSOR’S SATISFACTION (WHICH SHALL BE IN SPONSOR’S SOLE AND ABSOLUTE DISCRETION) OR FAILURE TO DO SO WITHIN SUCH TIME FRAME AS SPONSOR REQUIRES (WHICH TIME ASPECT IS OF THE ESSENCE OF THESE RULES) WILL, IN SPONSOR’S SOLE AND ABSOLUTE DISCRETION AND WITH OR WITHOUT NOTICE, DISQUALIFY THE ENTRANT FROM BEING NAMED A WINNER AND FROM THE PROMOTION.

Employees, directors, and officers of Sponsor, or any of their respective affiliates, parent company, subsidiaries or divisions and their immediate family members and household members, are not eligible to win. As used in these Rules, “immediate family member(s)” refers to spouses, parents, step-parents, children, step-children, siblings, step-siblings, and the respective spouses of any such persons. As used in these Rules, “household member(s)” refers to persons living in the same residence as one or more of the above-mentioned employees, directors, officers or immediate family members.

3. Agreement to Official Rules

Participation in the Promotion constitutes entrants full and unconditional agreement to and acceptance of these Official Rules and the decisions of the Sponsor, which are final and binding. Winning a prize is contingent upon fulfilling all requirements set forth herein.

4. Promotion Period

The Promotion period begins at 12:00:00 PM Central Time on Friday July 10th, 2020 and concludes at 12:00:00 PM Central Time on Friday July 24th, 2020. All entries must be received during the Promotion period. Any entries received prior to, or after the Promotion Period will be considered void. Automated methods of entry are prohibited.

5. How to Enter

Entrants may enter the Promotion by completing the Entertainment and Hobbies Survey in a full and thorough manner (subject to Sponsor’s discretion), and then submitting their contact information at the conclusion of the survey. If an Entrant submits their contact information, then that Entrant will receive one entry for completion of the Entertainment and Hobbies Survey.

One entry per person per Promotion period, regardless of how many surveys are made or completed. Multiple entries will not increase your chances to win. Attempts made by the same individual to submit multiple entries are prohibited and all entries made by such an individual may be disqualified or disregarded at Sponsor’s sole discretion.

Any form of entry other than those described herein are void. Online Entrants must have a valid email address in order to enter. Should multiple users of the same email account enter the Promotion and a dispute thereafter arises regarding the identity of the Entrant, the authorized account holder of said email account at the time of entry will be considered the Entrant. “Authorized account holder” is defined as the natural person who is assigned an email address by an Internet access provider, online service provider, or other organization (e.g., business, educational institution, etc.) which is responsible for assigning email addresses or the domain name associated with the submitted email address. All entries must be received and recorded during the Promotion period to be eligible for the drawing

6. Prize

Prize: One (1) Prize Winner will receive a gift card to a retail store or website of their choice, delivered through Tango Card® (“Prize”). The approximate retail value (“ARV”) of the Prize is $500.00. This promotion is not endorsed or sponsored by, nor is Veterans United Home Loans affiliated with, Tango Card®. Tango Cards® are subject to the Tango Card® Terms of Service.

Limit one (1) Prize per person during the Promotion Period. The total ARV for all prizes is $500.00. If necessary, each Winner may be required to provide Sponsor with a valid Social Security number or tax identification number for tax reporting purposes before the Prize will be awarded. Winner cannot assign the prize. Sponsor’s only obligation is to provide the prize to the Winner.

7. Winner Selection

On or about Wednesday July 29th, 2020, Sponsor will randomly select One (1) Potential Winner from all eligible Entries received during the Promotion Period, VIA RANDOM COMPUTER SELECTION. THE CONTENTS OF ANY COMMENTS SUBMITTED TO THE ENTERTAINMENT AND HOBBIES SURVEY WILL NOT BE CONSIDERED IN THE SELECTION OF THE WINNER. Drawing will be conducted by the Sponsor, whose decisions are final on all matters relating to this Promotion.

Except where prohibited by law, Winners grant (and agrees to confirm this grant in writing if requested) permission for Sponsor and those acting under its authority to use Winner’s name, photograph, voice and/or likeness, for advertising and/or publicity purposes in any and all media now known or hereinafter invented without territorial or time limitations and without compensation.

8. Odds of Winning

The odds of winning a Prize depend on the total number of eligible Promotion entries received.

9. Taxes and Costs

Each winner is solely responsible for all costs associated with accepting the Prize, including all federal, state, and/or local taxes, fees or expenses associated with the prizes they receive, regardless of whether it, in whole or in part, is used. No Prize will be awarded to any person, whether eligible or not, in any jurisdiction where this Promotion is restricted or prohibited by law or regulation. Sponsor will not permit substitution, transfer or payment of a cash equivalent for any Prize except that the Sponsor, in its sole discretion, may substitute any Prize (or any portion thereof) with a Prize of equal or greater value, as a result of the unavailability of the Prize, or for any other reason.

10. Notification of Winner

Potential Winner will be notified via email on or about Wednesday July 29th, 2020, between approximately 9:00 AM Central Time and 5:00 PM Central Time. Potential Winner is subject to verification, including verification of age. The Potential Winner will have three (3) days of attempted notification to respond to such notification and provide their mailing address for shipment of the Prize. If necessary, potential Winner may be required to complete, sign and return an Affidavit of Eligibility/Liability Release; a IRS W9 form; and where lawful, a Publicity Release, within three (3) days of attempted notification. If necessary, potential Winner will be issued an IRS 1099-MISC form for the value of the Prize. Please allow 4-8 weeks for shipment of Prize after confirmation. If Sponsor does not receive a response with the Potential Winner’s mailing address within three (3) days of attempted notification, or if a Potential Winner is found not to be eligible or not in compliance with these Official Rules, or if the Prize is unclaimed, such individual will be disqualified and his/her Prize will be forfeited, all in Sponsor’s sole discretion. Prizes won by an eligible Entrant who is a minor in his/her state of residence will require parent or legal guardian to sign and return all required documents. Sponsor is not responsible for any change of email address, mailing address and/or telephone number of Entrants. In the event that any Prize is forfeited, such Prize may, in the Sponsor’s sole discretion, be awarded to an alternate Potential Winner, who will also be selected in a random drawing and will be required to respond within the time parameters set forth herein.

11. Winner List

The identity of the Winners will be published within approximately ten (10) days after the winner has been finally declared and the Prizes have been finally awarded. Such publication will be posted to a web page selected by Sponsor or such other location as may be deemed appropriate by Sponsor. The list will be available for thirty (30) days from initial posting.

12. Applicable Law and Venue

This Promotion is subject to all applicable laws and regulations. However, all issues, allegations, claims, actions or disputes concerning compliance or noncompliance with these Rules or the construction, validity, interpretation, enforceability or breach of these Official Rules (collectively, “Rules-Related Disputes”), shall be governed by the laws of the State of Missouri (excluding conflicts of laws rules). All Rules Disputes and all other claims, actions and disputes arising out of or connected with this Promotion or the Rules will be resolved individually, and without resort to class action, exclusively by a state or federal court located in Missouri. Should there be a conflict between the laws of the State of Missouri and any other laws, the conflict will be resolved in favor of the laws of the State of Missouri.

13. Privacy

By entering this Promotion, Entrant acknowledges their understanding that they are providing information to the Sponsor. Information submitted to Sponsor by any Entrant is subject to Sponsor’s Privacy Policy located at https://www.veteransunited.com/privacy/. By entering the Promotion, Entrant expressly agree to the terms of the Privacy Statement. If selected as a Winner, the Entrant’s information may also be included in a publicly available Winner’s list.

14. General

All entries and related submissions, materials and content, and any prize claims, become the property of Sponsor upon submission or delivery and will not be returned. These Rules constitute the full and exclusive agreement relating to the Promotion. In the event of any conflict between these Rules and any statement, document or communication relating to the Promotion, these Rules shall prevail.

Sponsor is not responsible for entries that (for whatever reason and whoever’s fault – unless done fraudulently by Sponsor) are incomplete, lost, damaged, destroyed or unintelligible; telephone, technical, network, online, electronic, computer hardware or software failures of any kind; incomplete, garbled or delayed Internet/e-mail computer transmissions on account of operator error, technical problems, traffic congestion on the Internet, congestion or problems regarding any Web site, or any combination thereof; any condition caused by events beyond Sponsor’s control which disrupts or interferes with the Promotion; or any injury, loss, damage or liability of any kind arising out of or relating to Entrant’s participation in the Promotion or the delivery, transfer, receipt, acceptance, possession, use or disposition of the Prizes (or any substitution), including without limitation any injury, loss, or damage to Entrant’s or any other person's computer or property relating to or resulting from participation in, or downloading or viewing any materials in connection with, this Promotion.

Sponsor reserves the right at its sole discretion to modify, postpone, defer or cancel the Promotion at any time and with or without notice and to disqualify any individual that tampers or attempts to tamper with the entry process, violates these Rules, or acts in an inappropriate or disruptive manner, or with intent to annoy, abuse, threaten or harass any person.

No liability or responsibility is assumed by Sponsor from the user’s participation or attempt to participate in the Promotion. Sponsor is not responsible for any errors in these Official Rules, the Promotion, typographical or other error in the printing of the Promotion materials, administration of the Promotion, or the announcement of Prize Winner, including such error that a Prize may have been won.

Abbreviated Rules:

NO PURCHASE NECESSARY. VOID WHERE PROHIBITED. The Veterans United Home Loans Entertainment and Hobbies Survey Promotion starts 7/10/2020 (12:00p.m., Central Time) and ends 7/24/2020 (12:00p.m., Central Time). One entry per person per allowed method. Prize is US$500.00 gift card delivered via Tango®. Prize awarded by random drawing. Odds of winning depend on number of eligible entries received. See Official Rules for how to enter, prize details, restrictions and other conditions and requirements. Sponsor: Mortgage Research Center, LLC, d/b/a Veterans United Home Loans, 1400 Veterans United Drive, Columbia, MO 65203.

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