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Pen Financial Contest Terms & Conditions

Agreement: These rules govern PenFinancial Credit Union’s (“Contest”). No purchase is necessary to enter the Contest. The act of entering the Contest constitutes acceptance of the contest rules and the selection of the Contest winner, which decisions shall be final and binding upon all entrants. By entering the contest, a contestant agrees to indemnify and hold PenFinancial partners, members, supporters and sponsors; their suppliers, affiliates, officers, directors, agents and employees harmless and to release them from any and all liability, damages, or cause whatsoever, however named or decided, with respect to or arising out of participation in a contest, or the receipt or use of the prize awarded.

Eligibility: The Contest is open to all residents of Canada (excluding residents of Quebec) who have attained the age of majority except for anyone who is an immediate family member of or who lives with any employee of PenFinancial Credit Union, its partners, members, corporate affiliates, and advertising or promotional agencies. Incomplete entries, bulk drop offs, phacceptance of the contest rules and the selection of the Contest winner, which decisions shall be final and binding upon all entrants. By entering the contest, a contestant agrees to indemnify and hold PenFinancial partners, members, supporters and sponsors; their suppliers, affiliates, officers, directors, agents and employees harmless and to release them from any and all liability, damages, or cause whatsoever, however named or decided, with respect to or arising out of participation in a contest, or the receipt or use of the prize awarded.

Eligibility: The Contest is open to all residents of Canada (excluding residents of Quebec) who have attained the age of majority except for anyone who is an immediate family member of or who lives with any otocopies, scanned copies, facsimiles or other mechanically or electronically reproduced entries will not be accepted and will be disqualified. One entry per household per day. 

Contest: The Contest begins January 18, 2016 and ends March 31, 2016. Readers are to enter the contest by going online to http://penfinancial.com or PenFinancial Credit Union Facebook page and completing the digital entry form. The Winner will be announced no later than April 15, 2016. Contest Organizers or a designated representative will make a minimum of five (5) attempts to contact the selected entrant (using the information provided on the Entry Form) within seven (7) business days of the Selection Date. If the selected entrant cannot be contacted within seven (7) business days of the Selection Date, or if there is a return of any notification as undeliverable, then he/she may, in the sole and absolute discretion of the Contest Organizers, be disqualified (and, if disqualified, will forfeit all rights to the Prize) and the Contest Organizers reserve the right, in their sole and absolute discretion and time permitting, to select an alternate eligible entrant from among the remaining eligible Entries. All entries automatically become the property of PenFinancial Credit Union and will not be returned.   

Other: This Contest is governed by the laws of Ontario and the laws of Canada applicable therein and is void where prohibited by Law. PenFinancial Credit Union reserves the right to cancel or modify the Contest or the Contest rules at any time without notice.  All prizes must be accepted as awarded, are non-transferable and are not convertible to cash.  The Sponsor reserves the right to substitute any prize or portion of the prize with a prize of equal or greater value. All prizes are awarded as-is and no warranties or guarantees are implied or expressed, beyond the standard manufacturer’s warranty. PenFinancial Credit Union is not responsible for any lost, late, misdirected or stolen entries or inability to process entries, or any errors, damage or negligence that may arise in connection with this Contest, including technical failures on the part of Contest software, virus, website down-time, human error or property damage incurred by any Contest entrant. The Sponsor is not responsible for any errors or omissions in printing or advertising this Contest. Use of any automated system including robotic or form filling software to enter or participate in this Contest is prohibited and will result in disqualification of all entries by anyone using such assistance. If a dispute arises regarding who submitted an online entry, the entry will be deemed to be submitted by the authorized account holder of the email address provided at time of entry.  Authorized account holder is the natural person who is assigned to an email address by an Internet access provider, online service provider, or other organization responsible for assigning email addresses for the domain associated with the submitted email address.  The odds of winning depend on the number of eligible Entries submitted and received during the Contest Period in accordance with these Rules.     

Entrant Agreement:  By submitting an entry, the participant will:

- Provide a maximum of (1) entry per household per day

- Grant PenFinancial Credit Union and its partners, members, supporters and sponsors in the right to interview and/or photograph the winner during their location visits which constitutes a portion of their prize.

Selection of Winner: The winner will be chosen by random electronic selection.

Prizes must be redeemed by September 30, 2016. Failure to do so will constitute rejection of the prize. Changes to the travel itinerary after booking may not be possible, but if possible, any changes will be made by, and any fees/charges will be borne by, the prize winner. 

Release: Prior to receiving the prize, the winner will be required to show valid photo ID and to sign a declaration of eligibility and release form releasing PenFinancial Credit Union and its related parties from any and all liability in connection with the Contest and/or the prize, confirming compliance with the rules and consenting to the use of his or her name and photograph, without further compensation, in any publicity carried out by the PenFinancial Credit Union, collaboration or any of the PenFinancial Credit Union's partners, members, supporters or suppliers, and/or their advertising and promotional agencies. The signed form must be received by PenFinancial Credit Union within three (3) days of notification or the prize may be forfeited and awarded to an alternate entrant.

Privacy: We use your personal contact information to administer contests, including contacting, announcing and promoting prizewinners. In addition, we may use this information to send you offers or information from PenFinancial Credit Union, our affiliates and from selected sponsors or advertisers (“Marketing Offers”). If you do not wish to receive Marketing Offers, you may opt-out at any time by: following the instructions at the bottom of any email Marketing Offer you receive.

Banning: PenFinancial may prohibit any person from entering the Contest whom it believes to be abusing the rules. Such abuse includes entering false information. If it is discovered that you attempted to enter more than once per household per day, all your entries will be void.

 
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