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Official Rules

Official Rules

E-LOAN “Wish & Win” Sweepstakes

NO PURCHASE NECESSARY. The E-LOAN “Wish and Win” Sweepstakes (“Promotion”) begins March 18, 2013 and ends on June 16, 2013 (“Promotion Period”). The promotion is sponsored by E-LOAN, Inc., 9600 W. Bryn Mawr, Rosemont, IL 60018 (“Sponsor”). This Sweepstakes is void where prohibited. The Promotion is subject to all federal, state, local and municipal laws. The laws of the State of New York govern this Sweepstakes.

Eligibility. The Promotion is open to natural persons 18 years of age or older who: (i) have reached the age of majority in their state of residence; (ii) are legal residents of the 50 United States or District of Columbia; (iii) have internet access; and (iv) have a registered profile on Facebook. Employees, directors, and/or officers of Sponsor (including immediate family members or members of the household), its parent company, subsidiaries, affiliated companies, distributors, advertising, fulfillment and promotion agencies and all other companies or entities associated with Sponsor or the Promotion are not eligible to participate or win a prize. Participation constitutes entrant’s full and unconditional agreement and acceptance of these Official Rules which shall be final in all respects.

How to Enter. To enter, during the Promotion Period, visit
http://www.facebook.com/eloan/app_152558574895537

and complete the entry form to enter into the Promotion, which will require participants to enter their information and describe their wish related to a home, education, a dream car or saving money. Participants are permitted, but not required, to attach one photo which depicts their which they own and have rights to distribute to accompany their entry describing their wish. After completing and submitting the entry form in accordance with the instructions provided, participants will be entered into the Promotion. Limit one entry per person. Any attempt by any participant to obtain more than the stated number of entries by using multiple or different identities or email addresses or by any other method will void that participant’s entries, and that participant may be disqualified at Sponsor’s sole discretion. Entries must be fully and accurately completed to be valid. All entries must be completed online and received by 11:59 PM on June 16, 2013. Entries submitted by any other means or after the entry deadline may not be accepted. Sponsor is not responsible for any problems of any kind with the completion or submission of entry forms, whether mechanical, electronic, or human. Entries that are incomplete, defective, altered, illegible, mutilated, forged or irregular in any way, or not in full compliance with these Official Rules, are void. All entries, once submitted, become the property of Sponsor and shall not be returned. Entries may not contain any matter or content that can be deemed offensive or inappropriate, as determined by Sponsor, and Sponsor may deem any entry ineligible in its sole discretion of such entry violates these rules, the spirit of the Promotion, or is deemed inappropriate.

Submission of a photograph with the entry is optional. If participant decides to include a photograph with their entry participant warrants that they are the copyright owner of the photograph and grant to Sponsor a royalty-free, irrevocable, perpetual and worldwide license to use and display the photograph, including on the Facebook contest page or in connection with any of Sponsor’s materials or advertising. Sponsor is not responsible for any unauthorized third party use of any submission and does not guarantee that every submission will be posted.

Any submitted photograph may not contain:

  • Any individual other than participant
  • Any material that is inappropriate, offensive, or obscene
  • Any identifiable names or markings of any third party (e.g., logos or trademarks on clothing or in the background of a photo)
  • Any personal identification, such as license plate numbers, personal names or e-mail addresses
  • Any copyrighted materials owned by others (including photographs, sculptures, paintings, and other works of art or images published on or in websites, television, movies or other media)
  • Any material that violates any law.

Submissions must be the original work of participant, may not have previously been published, and must not infringe upon the copyrights, trademarks, rights of privacy, publicity or other intellectual property or other rights of any person or entity. By submitting a photo, participant warrants and represents that they consent to the use of the photograph as set forth herein. Sponsor reserves the right to disqualify any submission, entrant or photograph for any reason, in its sole and absolute discretion, including the determination that a submission fails to satisfy any of the above requirements.

Entry through Facebook requires signing up for an account through Facebook, and providing a username/email address and a password. As of the start of the Promotion, there is no charge for an account on Facebook. If you are a first time visitor to Facebook, you will be prompted to complete the on-screen registration form. Registration is a one-time requirement. If you are a returning visitor, you will be prompted to log-in using your e-mail address and/or password. Anyone found to be using multiple accounts to enter may be deemed ineligible. The Promotion is in no way sponsored, endorsed, or administered by, or associated with Facebook. All information provided by a participant in the entry form is provided to Sponsor and not Facebook.

Winner Selection. There are two categories of prizes for the Promotion:

Bi-Weekly Prizes

On every other Monday during the Promotion Period, Bi-Weekly Winners will be selected by random draw from all eligible entries. The date of each Bi-Weekly drawing and the number of winners selected on that date are listed below:

  • On April 1, 2013 fifteen (15) winners will be selected
  • On April 15, 2013 fifteen (15) winners will be selected
  • On April 29, 2013 fifteen (15) winners will be selected
  • On May 13, 2013 fifteen (15) winners will be selected
  • On May 27, 2013 fifteen (15) winners will be selected
  • On June 10, 2013 fifteen (15) winners will be selected
  • On June 17, 2013 ten (10) winners will be selected

There will be a total of one hundred (100) Bi-Weekly Winners, and each Bi-Weekly winner will receive one $50 Visa gift card that can be used towards their wish. Odds of winning depend on the number of eligible entries received. Bi-Weekly Winners of prior weeks are not eligible for all subsequent Bi-Weekly Winner drawings.

Grand Prize

At the conclusion of the Promotion Period, one (1) Grand Prize Winner will be selected by random draw from all eligible entries. The Grand Prize Winner will receive a cash prize of ten thousand dollars (ARV: $10,000). Odds of winning depend on the number of eligible entries received.

All prizes will be awarded. There shall be no prize substitution or cash redemption, except at Sponsor’s sole discretion or as otherwise provided herein. Winner will be responsible for all federal, state and local taxes associated with the prize.

The Grand Prize Winner will be determined on or about June 17, 2013. All decisions of Sponsor regarding this Sweepstakes are final and binding. Sponsor reserves the right, at its sole discretion, to cancel, terminate, modify or suspend the Sweepstakes.

Conditions. Prizes are non-transferable. If the prize is unavailable, Sponsor reserves the right to substitute a prize of equal or greater value. Sponsor also reserves the right to cancel or modify the Promotion or these Official Promotion Rules if fraud, technical failures or any other factor beyond Sponsor’s reasonable control impairs the integrity of this Promotion, as determined by Sponsor, in its sole discretion. By participating, where allowable by law, participant acknowledges and agrees that their entry may be posted on Sponsor’s web site or used by Sponsor in association with other marketing. Participant hereby grants to Sponsor the worldwide right to publish, broadcast and use in any media, including on the internet, participant’s entry (including photograph, if submitted), name, picture, and likeness, without limitation, for promotional and advertising purposes without additional compensation. Winners may be required to sign and return an affidavit of eligibility and a liability release within ten (10) days of the issuance of such documents or the prize may be forfeited and awarded to an alternate winner. Acceptance of any prize constitutes the winner participant’s certification that s/he meets the eligibility requirements set forth in these Official Rules.

Release: Indemnification. By participating in this Promotion, entrant accepts all risk and consequences of entry and participation in this Promotion, and agree to release and hold Facebook and Sponsor, its parent company, officers, directors, affiliates, employees, contractors, subsidiaries, agents and partners harmless from any and all consequences, liability, losses, damages (including without limitation, consequential, punitive, incidental, special or increased damages and those related to personal injury, death or damage to property) and costs and expenses, of any kind, under any legal theory, arising from or related to this Promotion, including but limited to your entry and participation in this Promotion, the acceptance and/or use (or misuse) of any prize, printing errors, any claims based upon rights of publicity and invasion of privacy. By entering, the participants agree at all times to defend, indemnify, release and hold harmless Facebook, Inc., and Sponsor and, as applicable, their respective promotional licensees, promotional partners, promotional agencies, prize providers, agencies, affiliates, subsidiaries, directors, officers, owners, employees, representatives and agents, from and against any and all claims, demands, actions and/or liabilities for any and all injuries, deaths, accidents, losses or damages of any kind resulting directly or indirectly from any and all activity related to entering and/or participating in this Sweepstakes.

Information Collected. Personal information collected as part of this Promotion may be shared with Sponsor’s promotional partners to the extent necessary to fulfill prizes. Except as otherwise contemplated in these rules or in any publicity release, information collected by Sponsor in connection with this Promotion will be used by Sponsor in accordance with Sponsor’s online privacy policy posted at http://www.eloan.com/wp-content/themes/eloan/pdf/eloan-privacy-policy.pdf.

Winner’s List. For a list of winners, please send a self-addressed, stamped envelope (VT residents may omit return postage) by July 26, 2013 to: E-LOAN, INC., Attn: Wish & Win Sweepstakes, Wall Street Station, PO Box 998, New York, NY 10268

All deposit products offered through E-LOAN, Inc. (E-LOAN) will be opened through Banco Popular North America (BPNA), a New York state chartered bank insured by the FDIC that is the direct parent company of E-LOAN (i.e. E-LOAN is a wholly-owned subsidiary of BPNA). Processing services are provided by BPNA. All deposits with BPNA are insured for the maximum amount allowed by law, and all balances on deposit with BPNA (whether directly or through E-LOAN) would be combined for purposes of determining FDIC coverage eligibility. Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit ww.fdic.gov/deposit/deposits/unlimited/expiration.html.