Signature Sweepstakes Rules


DFCU “PRO GOLF CHAMPIONSHIP” SWEEPSTAKES
 
OFFICIAL RULES
 
NO PURCHASE NECESSARY.
TIMING:  The DFCU “Pro Golf Championship” Sweepstakes (“Sweepstakes” or “Promotion”) begins on 2/1/2019 at 12:00 AM [midnight] Eastern Time (“ET”) and ends on 2/28/2019 at 11:59 PM ET (“Promotion Period”). 
 
SPONSOR: DFCU Financial (“DFCU”), 400 Town Center Drive, Dearborn, MI 48126.
 
ADMINISTRATOR: Exposure Marketing & Promotion, Inc., 1000 North Opdyke Rd, Auburn Hills, MI 48326.
 
ELIGIBILITY: The Promotion is open only to legal U.S. residents who live and/or work in Michigan’s Lower Peninsula who, as of 2/1/2019, are twenty-one (21) years of age or older and have a DFCU MasterCard® Debit Card linked to their DFCU personal checking account (“Entrant”)**.  Employees, directors and officers and their immediate families (spouses and siblings, parents and children and their spouses) and household members of DFCU Financial (“Sponsor”), MasterCard International Incorporated, Exposure Marketing & Promotion, Inc., and their respective parent companies, subsidiaries and affiliates and companies involved in the implementation and execution of the Promotion, including prize suppliers (collectively the "Promotion Entities") are not eligible. Promotion is void outside of Michigan’s Lower Peninsula and where prohibited.
 
**For joint checking accounts where a DFCU MasterCard Debit Card has been issued to more than one (1) person, only the primary accountholder, as per Sponsor’s records, will be considered the Entrant. 
 
AGREEMENT TO THE OFFICIAL RULES: By participating in the Promotion, each Entrant fully and unconditionally agrees to and accepts these Official Rules and the decisions of the Sponsor and the Administrator, which are final and binding in all matters related to the Promotion. Winning a prize is contingent upon fulfilling all requirements set forth herein.
 
TO ENTER:  
 
During the Promotion Period, for each qualifying purchase transaction made using your DFCU MasterCard Debit Card (whether made via the Credit or Debit option), you will receive one (1) entry (“Entry”).
 
The following transactions are not “qualifying” and therefore will not result in entry:
 
  • If a purchase transaction is later voided for any reason (for example, insufficient funds or transaction is unauthorized);
  • If the amount due because of a purchase transaction (in whole or in part) is paid via DFCU Financial’s Premium Overdraft Plus coverage;
  • If a DFCU MasterCard Debit Card is used to obtain cash at an ATM.
 
For the avoidance of doubt, if a given purchase is not “qualifying” and does not result in entry, this determination will not affect an eligible person’s other purchase transaction(s) during the Promotion Period. If an eligible person’s other purchase transaction(s) during the Promotion Period are “qualifying,” such other purchase transaction(s) will result in entry.
 
TO ENTER WITHOUT PURCHASE:
 
Print your full name, complete address, daytime telephone number, date of birth, e-mail address, the last three (3) digits of your DFCU MasterCard Debit Card, and the expiration date of your DFCU MasterCard Debit Card on a 3”x5” paper and mail in a business-size (#10) envelope to DFCU; P.O. BOX PO BOX 6048, Dearborn, MI 48126 to be postmarked by 3/1/2019 and received by 3/6/2019 (“Mail Entry”). If copied or mechanically reproduced, 3”x5” card submission will not result in receipt of Mail Entry. Each 3”x5” card must be submitted separately in its own business-size envelope to result in receipt of Mail Entry; if more than one (1) 3”x5” card is submitted in the same envelope, all 3”x5” cards contained therein are void and no Mail Entry/Entries will be received in conjunction therewith.   
 
WINNER SELECTION: The potential winners will be selected in a random drawing from among all eligible Entries and Mail Entries received during the Promotion Period. Odds of winning depend on the total number of eligible Entries and Mail Entries received. The drawing will be conducted by Administrator, an independent judging organization, on or about 3/7/2019.
 
WINNER NOTIFICATION:  The potential prize winners will be contacted by the Administrator by e-mail, mail and/or phone (in Administrator’s sole discretion) and will be required to complete and return an Affidavit of Eligibility and Liability Release/Assumption of Risk/Indemnification Agreement and except where prohibited by law, a Publicity Release Form (“Affidavit/Release”). For the Grand Prize and Second Prize, the Affidavit/Release must be returned within two (2) days of notification (or such shorter amount of time as indicated in the notification); for First Prize, the Affidavit/Release must be returned with five (5) business days of notification.  If a potential prize winner fails to timely execute and return the Affidavit/Release, if he/she is ineligible to receive the applicable prize or potential prize winner cannot be contacted after reasonable effort as determined by Administrator in its sole discretion, the corresponding prize will be forfeited and an alternate winner will be selected from among all remaining eligible Entries and Mail Entries received (in the case of the Grand Prize, time permitting). Entrants (as well as guests of Grand Prize and Second Prize winners, as discussed below) agree that a facsimile or electronic (scanned) copy of Affidavit/Release (for guests of Grand Prize and Second Prize winners, “Release,” as defined below) or, alternatively, an electronic signature or affirmation, will have the same legal force and effect as a hand-signed document.
 
GRAND PRIZE (1) – 4 day/3 night trip for winner and one (1) guest (who is 21 years or older) to attend the professional golf championship in Augusta, Georgia, 4/12-15/2019.  Approximate Retail Value (ARV): $18,000. (If actual value is less $18,000, winner will not receive the difference in value in cash or otherwise.)  Trip consists of roundtrip coach air travel between major commercial airport near winner’s residence (in Michigan’s Lower Peninsula) and Columbia, South Carolina; standard hotel accommodations (double occupancy) in/near Augusta, Georgia; ground transfers between Columbia airport, hotel and venue hosting golf championship; (2) admissions to golf championship on Saturday, 4/13 and Sunday, 4/14 with access to hospitality area (prize does NOT include admission to all days of the golf championship); $1,000 gift card (issuer of Sponsor’s sole choosing; subject to terms and conditions of use as indicated thereon which may include expiration date). For the air travel portion of the prize, winner must fly in and out of one of the following airports – (whichever is closest to their home address as determined by Sponsor in its sole discretion) - Detroit (DTW), Flint Bishop (FNT), Lansing (LAN), Grand Rapids (GRR) and Traverse City (TVC).
 
 
FIRST PRIZE (1) – 1 set of custom golf clubs awarded as a $2,500 gift card to a retail store of Sponsor’s sole choosing which sells golf equipment and clothing. Gift card is redeemable either on-line or in-store for custom golf clubs (or otherwise). Gift card has no expiration date and is subject to terms and conditions of use as indicated thereon. ARV: $2,500. (If actual value is less than $2,500, winner will not receive the difference in value in cash or otherwise; conversely, if customized set of golf clubs exceeds $2,500, winner will be solely responsible for difference in value.)     
 
SECOND PRIZE (1) – Grounds/general admission for winner and one (1) guest to the final round of a professional golf championship in Detroit, Michigan on Sunday, 6/30/2019 and ground transportation to/from the country club hosting professional golf championship. ARV: $590. (If actual value is less than $590, winner will not receive the difference in value in cash or otherwise.) 
 
PRIZE RESTRICTIONS:
 
Grand Prize:
Winner must travel 4/12-15/2019; if winner is unavailable on such dates for any reason, Grand Prize will be forfeited without compensation and an alternate winner will be selected, time permitting.  Winner and his/her guest must travel together on the same itinerary as set by Sponsor/Administrator in their sole discretion. Specific type of admission to golf championship is of Sponsor’s sole choosing. Should certain elements of trip be determined by Sponsor/Administrator in their sole discretion to be unavailable for any reason, the remaining elements of trip will constitute the entire liability of Sponsor to winner. Without in any way limiting the foregoing, each admission to the golf championship has a replacement value of $2,000 if Sponsor/Administrator determine that it is unavailable for any reason. No refund or compensation will be made in the event of the cancellation or delay of any flight.
ALCOHOL BEVERAGES WILL BE AVAILABLE UPON REQUEST AT GOLF CHAMPIONSHIP, INCLUDING IN THE HOSPITALITY AREA. SHOULD WINNER OR HIS/HER GUEST CHOOSE TO PARTAKE IN ALCOHOL BEVERAGES, WINNER/GUEST DOES SO ENTIRELY AT HIS OR HER OWN RISK, AND ASSUMES ALL RESPONSIBILITY FOR ANY ADVERSE CONSEQUENCES RESULTING THEREFROM.  IN ALL CASES, RECEIPT OF ALCOHOL BEVERAGES IS MADE CONTINGENT UPON THE WINNER AND GUEST PROVIDING THE ALCOHOL BEVERAGE SERVER WITH VALID, GOVERNMENT-ISSUED PHOTO IDENTIFICATION ESTABLISHING THAT HE/SHE IS OF LEGAL DRINKING AGE AS WELL AS THE ALCOHOL BEVERAGE SERVER’S DETERMINATION IN HIS/HER INDEPENDENT, PROFESSIONAL JUDGMENT THAT THE WINNER/GUEST HAS NOT ALREADY CONSUMED TOO GREAT A QUANTITY OF ALCOHOL SO AS TO POSE A DANGER OR THREAT TO HIM/HERSELF OR OTHER PERSONS AND/OR THEIR PROPERTY.  SHOULD ALCOHOL BEVERAGE SERVER DETERMINE IN HIS/HER INDEPENDENT, PROFESSIONAL JUDGMENT THAT IT IS NOT APPROPRIATE OR PRUDENT TO SERVE ALCOHOL BEVERAGES TO WINNER OR GUEST BECAUSE OF INVALID IDENTIFICATION FURNISHED BY WINNER/GUEST, PREVIOUS ALCOHOL CONSUMPTION BY WINNER/GUEST OR FOR ANY OTHER REASON (E.G., BELLIGERENT, AGGRESSIVE OR ANTI-SOCIAL BEHAVIOR BY WINNER/GUEST), NONE OF THE RELEASED PARTIES OR THE ALCOHOL BEVERAGE SERVER SHALL HAVE ANY LIABILTY TO WINNER/GUEST AS TO SAME; AND, IN SUCH CIRCUMSTANCE, SPONSOR AND ADMINISTRATOR (AS WELL AS ALCOHOL BEVERAGE SERVER) MAY TAKE ANY AND ALL NECESSARY AND APPROPRIATE ACTIONS SO AS TO PROTECT THEIR RESPECTIVE LEGAL RIGHTS, INCLUDING CONTACTING SECURITY PERSONNEL AND/OR THE POLICE.
 
Second Prize:
Prize does not include admission to any days of golf championship other than Sunday, 6/30. Grounds/general admission grants holder of same access only to the venue hosting the golf championship; and, meals, beverages and other amenities are NOT included as part of same.  Ground transportation will be roundtrip between winner’s residence in Michigan’s Lower Peninsula and the venue hosting golf championship, without stops (except in the case of emergency as determined by driver in his/her sole discretion). Winner must live within seventy-five (75) miles of Detroit (to be determined by Sponsor in its sole discretion) to receive the ground transportation portion of the prize. For the avoidance of doubt, winner and guest will be picked up/returned to the same location (i.e., winner’s residence in Michigan’s Lower Peninsula.) Should professional golf championship be cancelled or postponed due to inclement weather or other factor beyond Sponsor’s control, Sponsor’s liability shall be limited to grounds admission to final round of golf championship on re-scheduled date of play, as per the terms and conditions of admission.
Grand Prize & Second Prize
Admission to applicable golf championship is subject to terms and conditions of use as indicated thereon/provided therewith. Admissions are subject to venue restrictions and are not for re-sale.  Guest will be required to sign a liability release and where permitted by law a publicity release (“Release”) which must be returned within two (2) days of notification of winner (or such shorter amount of time as indicated in the winner notification). For Second Prize, if guest is a minor (generally, under the age of eighteen [18]), the Release must be signed by his/her parent or legal guardian; and, a parent/legal guardian of such minor guest must be the Second Prize winner. If winner accepts the applicable prize without a guest (including if guest does not timely return signed Release, as discussed above), the corresponding prize will be awarded in increments appropriate for the winner alone (including winner receiving only one [1] admission to applicable golf championship) and no additional compensation will be awarded. All expenses and costs related to acceptance and use of prize not expressly listed above, including but not limited to, souvenirs, travel to/from departure airport (for Grand Prize), taxes, gratuities, and any desired insurance are entirely the winner’s responsibility. Winner and guest will not receive bonus miles, rewards points or other “perks” in conjunction with prize travel.
For All Prizes:
Limit of one (1) prize per person, family or household.  For Grand Prize and Second Prize, winner and guest agree to conduct themselves at all times in a socially responsible, appropriate and well-behaved manner, as well as following all instructions of Sponsor/Administrator (including without limitation in conjunction with attendance at applicable golf championship), with the understanding that failure to do so may result in immediate termination of trip (for Grand Prize) or attendance at golf championship (for Second Prize), without warning, for winner and/or guest (as appropriate). First Prize winner also agrees to conduct him/herself at all times in a socially responsible, appropriate and well-behaved manner, as well as following all instructions of Sponsor/Administrator and premium clubfitter in conjunction with customization of golf clubs, with the understanding that failure to do so may result in immediate forfeiture of prize, without warning. In all cases of improper behavior by winner and/or guest (of Grand Prize or Second Prize winner), Promotion Entities further reserve the right to impose other legal sanctions (and, in such case, Promotion Entities shall not have any liability to winner and/or guest, as appropriate). Prizes may not be transferred or assigned. No cash or other substitution may be made, except by the Sponsor, who reserves the right to substitute the prize (or prize element, as applicable) with another prize/prize element of comparable or greater value if the intended prize/prize element is not available for any reason as determined by the Sponsor in its sole discretion (notwithstanding the foregoing, gift card element of Grand Prize is redeemable for cash as required by applicable law.)  Winners will be solely responsible for all applicable taxes (not limited to federal, state, local and/or income) on prize, which will be reported to applicable governmental authorities as required by law. Grand Prize and First Prize winner must provide his/her Social Security number or tax ID# for tax reporting purposes; and, Sponsor will file an IRS Form 1099 with the Internal Revenue Service for the fair market value of the Grand Prize (or First Prize, as applicable). Except where prohibited by law, participation in the Promotion constitutes permission from Entrant for Sponsor and its designees to use Entrant’s name, hometown, likeness, statements, other personally identifiable information for promotional, advertising and marketing purposes in any media throughout the world without prize, incentive, consideration, consent or review.
 
GENERAL CONDITIONS / RELEASE. By participating, Entrants (a) release Promotion Entities, and their respective directors, officers, agents and employees (collectively the “Released Parties”) from any and all liability for any claims, costs, injuries, losses or damages of any kind caused by their participation, including the unauthorized or illegal access to personally identifiable or sensitive information or the acceptance, possession, use, or misuse of any prize; and (b) acknowledge that said parties have neither made nor are in any manner responsible or liable for any warranty, representation or guarantee, expressed or implied, in fact or in law, relative to any prize. Neither Released Parties nor any service providers are responsible for any incorrect or inaccurate information supplied by Entrants while participating in the Promotion, incorrect or inaccurate transcription of entry information (for Entry or Mail Entry), incorrect/inaccurate recording of purchase transactions made using DFCU MasterCard Debit Card (or failure to record such purchase transactions altogether), or for any human or other error, lost data, omission, interruption, deletion, defect, any other error or malfunction, or late, lost, damaged, misdirected Entries/Mail Entries or postage due mail. CAUTION: ANY ATTEMPT BY AN ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY TAMPER WITH THE ENTRY PROCESS, OR OTHERWISE UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO COOPERATE IN THE PROSECUTION OF ANY SUCH INDIVIDUAL(S) AND TO PURSUE ALL REMEDIES TO THE FULLEST EXTENT PERMITTED BY LAW. TAMPERING EXPRESSLY INCLUDES BUT IS NOT LIMITED TO ENGAGING IN “SHAM” TRANSACTIONS (NOT REAL, BONA FIDE TRANSACTIONS IN THE NORMAL COURSE OF BUSINESS) SO AS TO ILLICITLY ATTEMPT TO RECEIVE ENTRIES IN THE SWEEPSTAKES. Use of any automated system to participate is prohibited and will result in disqualification. Entries or Mail Entries that are incomplete, illegible or corrupted are void. Sponsor and Administrator are not liable or responsible for late, invalid or misdirected Entries or Mail Entries, all of which will be disqualified. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. If for any reason the Promotion is not capable of being executed as planned, tampering, unauthorized intervention, fraud, action of Entrants, technical failures or any other causes which in the opinion of Administrator and/or Sponsor, corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Promotion, Administrator reserves the right at its sole discretion to disqualify any suspect Entry or Mail Entry and to cancel, terminate, modify or suspend the Promotion. In the event of any cancellation, termination or suspension, notice thereof will be posted on the DFCU Financial Website (http://www.dfcufinanical.com) and the selection of the winners will be made in a manner determined by Sponsor/Administrator, in their sole discretion, to be fair, appropriate and consistent with these Official Rules.  Entries or Mail Entries not complying with all rules are subject to disqualification.
 
GOVERNING LAW/JURISDICTION/DISPUTES. Entrants agree that (a) any and all disputes, claims and causes of action arising out of, or connected with, the Promotion or the awarding of prizes shall be resolved individually, without resort to any form of class action, and exclusively by the United States District Court for the Eastern District of Michigan or the appropriate Michigan State Court located in Oakland County, Michigan; (b) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Sweepstakes but in no event attorneys’ fees; and (c) 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 out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE MAY NOT APPLY TO YOU. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, Entrant's rights and obligations, or the rights and obligations of the Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of 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 State of Michigan.
 
ENTRANT'S PERSONAL INFORMATION: Information collected from Entrants is subject to DFCU Financial’s Privacy Policy accessible at http://www.dfcufinancial.com/privacy-policy.
 
WINNERS: For winners’ list, send a request to Administrator at the address above, for receipt by 3/15/2019.  Be sure to include ATTN: DFCU PRO GOLF SWEEPS on the outer envelope.  Winners’ list will be available after 4/19/2019.
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