NO PURCHASE NECESSARY
PURCHASE DOES NOT IMPROVE ODDS OF WINNING
EACH ENTRY HAS AN EQUAL CHANCE OF WINNING
Hudson Valley Credit Union’s (“HVCU”) Think Big, Shop Small – Chance to Win (the “Chance to Win”) is governed by these official rules (the “Official Rules”). By participating in the “Chance to Win,” each entrant agrees to these Official Rules. Results of the “Chance to Win” are final in all respects. The “Chance to Win” is subject to all federal, state, and local laws and regulations, and is void in Puerto Rico, Rhode Island, Florida, and where otherwise prohibited by law.
An entrant’s odds of winning the “Chance to Win” depend on the number of eligible entries received. You are not required to purchase any goods or services, pay any money, or submit to any sales promotion effort to enter into the “Chance to Win.” For a copy of these Official Rules or a list of winners, send a self-addressed stamped envelope containing a request to “Think Big, Shop Small” Attn: HVCU [Marketing Department], P.O. Box 1071, Poughkeepsie, NY 12602-1701.
Who Can Enter: All individuals who are HVCU members in good standing (or are eligible for HVCU membership) and are at least eighteen (18) years of age. If you live, work, worship, volunteer, or attend school within the New York counties of Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester Counties, you are eligible for membership. Members of the HVCU official family (directors, officers, volunteers, and employees of HVCU and its affiliates, and their immediate family members and persons residing in the same household) are prohibited from participating in any HVCU-sponsored sweepstakes, drawings, or prizes and are not eligible to enter.
“Chance to Win” Period: Entries maybe received between 12am ET on July 10, 2020 and 11:59 am ET on August 10, 2020 (the ““Chance to Win” Period”).
How to Enter: Individuals can enter the “Chance to Win” by submitting an entry during the “Chance to Win” Period in two ways. First, an individual can enter through submitting a “Think Big, Shop Small - Chance to Win” entry form and photo through HVCU’s website during the “Chance to Win” Period. The requirements for a photo to be eligible are set forth below. Second, individuals may alternatively enter the “Chance to Win” by hand printing the words “Think Big, Shop Small - Chance to Win” and their full name, address, daytime phone number (including area code), e-mail address, and date of birth, on a 3x5 inch card and mailing it to “Think Big, Shop Small - Chance to Win,” Attn: HVCU [Marketing Department], P.O. Box 1071, Poughkeepsie, NY 12602-1701. Mail-in entries must be received by HVCU by the end of the “Chance to Win” Period. Proof of mailing does not constitute proof of delivery. HVCU is not responsible for lost, late, incomplete, misdirected, damaged, postage-due or illegible entries or mail. Mechanically reproduced entries will not be accepted. Once submitted, all entries become the property of HVCU.
There is a limit of one (1) entry per person regardless of the method of entry and each entry has an equal chance of winning. Any additional entries are void and will not be counted. No purchase necessary. Purchase of any HVCU product or service or use of your HVCU Visa Debit or Credit card does not enhance the chance of winning. All HVCU decisions regarding eligibility and qualifying entries are final.
Photo Requirements: If you enter the “Chance to Win” through first method of entry above, you must submit a photo of a local neighborhood merchant. Large national chains located in the Hudson Valley do not qualify for this promotion, including merchants with storefronts located in more than one state. Your photo submission must be a high-resolution .jpeg file. By submitting a photo, you certify that you are the sole creator and copyright owner of the submitted photo. We do not accept digitally enhanced or altered photos. If HVCU determines, in its sole discretion, that a photo has been altered, HVCU reserves the right to disqualify the photo. For a photo in which a person is recognizable, you must be prepared to provide a model release from the subject, or in the case of a minor, the subject’s parent or guardian, upon HVCU’s request. If you appear in the photo, you agree to provide a model release upon HVCU’s request. If your photo depicts other people’s work or places of business, you must be prepared to provide a release from the rights holder to HVCU upon request. If you are unable to provide the required releases, HVCU may, in its sole discretion, disqualify the submission, seek to secure the required releases, or permit the submission to remain in the promotion. Photos that violate or infringe another person’s rights, including but not limited to copyright, are not eligible. Photos that contain sexually explicit, nude, obscene, violent or other objectionable or inappropriate content, as determined by HVCU in its sole discretion, are ineligible for this promotion. HVCU may collect a photo’s metadata upon entry. Decisions on a photo’s eligibility for the “Chance to Win” are in HVCU’s sole discretion.
Prizes: HVCU will award one (1) $100 Visa Gift Card to four (4) prizewinners. The total cumulative cash value of all prizes is $400. On approximately August 14, 2020, the HVCU Marketing Department will conduct a random drawing and select four (4) prizewinners from all qualified individuals who submitted a “Think Big, Shop Small- Chance to Win” entry during the “Chance to Win” Period. An entrant may win no more than one (1) prize.
ODDS OF WINNING DEPEND ON THE NUMBER OF QUALIFIED ENTRIES RECEIVED AS SET FORTH IN THESE OFFICIAL RULES.
HVCU will notify prizewinners personally by either telephone, email, or regular mail using the contact information in our system. No transfer or substitution of the prize is permitted. All federal, state, and local taxes, if any, are the sole responsibility of the prize winner. Prizes may be subject to 1099 reporting for tax purposes. The winner must claim the prize within five (5) days of being notified by HVCU or that entrant will be deemed to have forfeited the prize. Should the prize be forfeited, an alternate winner will be chosen from the remaining eligible entrants in a separate random drawing conducted by HVCU.
Restrictions: This “Chance to Win” is subject to all applicable federal, state, and local regulations. Offer void in Puerto Rico, Rhode Island, Florida and where otherwise restricted or prohibited by law.
Additional Provisions: By entering this “Chance to Win,” the entrant agrees to these Official Rules and Regulations. You understand that by submitting an entry you, together with your photographic likeness, may be used in connection with publicizing and promoting the “Think Big, Shop Small – Chance to Win” on HVCU’s social media outlets. In exchange for consideration received, you hereby irrevocably authorize and give permission to HVCU or any party authorized to act on behalf of HVCU (“authorized party”) to: use your name, photographic likeness, content submission, and promotional information; and to copy, exhibit, publish or distribute your photographic likeness for the purposes of publicizing and advertising HVCU’s products and services or for any other lawful purpose. Your photographic likeness and name may be used in all forms and media, whether now known or hereafter existing, in perpetuity. You agree that you will make no monetary or other claim against HVCU for the use of your photographic likeness. In addition, you waive any right to inspect or approve the finished product, including written copy, wherein your photographic likeness or your business appears. You hereby indemnify, hold harmless and release HVCU from any and all claims, demands and causes of action which you, your heirs, representatives, executors, administrators or any other persons acting on your behalf or on behalf of your estate have or may have.
Prior to their receipt of prize, the winner will be required to sign a Statement of Eligibility, Waiver of Liability and Publicity Release, which, among other things, grants permission to publish their name and/or likeness in HVCU’s member communications, as HVCU sees fit in its sole discretion. The “Chance to Win” is in no way sponsored, endorsed, or administered by, or otherwise associated with any websites used for the promotion of the “Chance to Win” or by Visa. By entering this “Chance to Win”, entrant indemnifies, holds harmless and releases HVCU from any and all claims, demands and causes of action which said entrant may have.
Hudson Valley Credit Union
PO BOX 1071
Poughkeepsie, New York 12602-1071