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Money Matters Incentive Terms and Conditions

MONTHLY REWARD – PRIZE WHEEL

BY PROVIDING A SUBMISSION, THE SUBMITTER AGREES TO BE BOUND BY THESE OFFICIAL RULES WHICH SHALL BE FINAL IN ALL RESPECTS. NO PURCHASE IS NECESSARY.

OVERVIEW

Neighbors Federal Credit Union (“NFCU”) is offering members the chance to win an opportunity to spin the Learn and Earn Prize Wheel that includes prizes valued from $25 to $500.00 by completing financial education training each month in 2022.  This contest encourages users to participate in the NFCU “Money Matters” financial education modules that can be found on the NFCU website (https://neighborscreditunion.everfi-next.net/welcome/members). The prize will be redeemable upon completion of the module and other requirements listed below.

TO ENTER

During the contest period, visit https://neighborscreditunion.everfi-next.net/welcome/members. Complete any “Achieve” module.  You will then be added to the eligibility list for that month and you could be chosen to spin the prize wheel.  Members must complete a new module each month they wish to be eligible.  Each month, NFCU will randomly select one member from the eligibility list.  That member will be contacted and informed of the time and place to spin the prize wheel.  Selected members must be present at the designated time or forfeit their chance to spin the prize wheel.  Members who are chosen to spin the prize wheel but are unable to attend in person will receive a $25 Visa gift card as their prize.  One prize per member, per household, per month.

Entries are not guaranteed. Neighbors reserves the right of discretion to define what constitutes proper submission and completion of modules.  NFCU reserves all rights to determine what requirements are necessary to obtain incentives.

PRIZE DETAILS

The prize consists of the opportunity to spin a prize wheel.  Prizes on the spinning wheel are valued between $25 and $500.  The member will spin the wheel and win the dollar amount the wheel lands on. If a member spins and lands on the “It Pays to Learn” spot they will receive a gift basket filled with NFCU promo items and a Visa gift card valued at $25.  The member will have one spin.  The wheel must make at least one full rotation for the spin to count.  If the wheel malfunctions or otherwise lands between two prizes, NFCU has the right to decide the prize or require a re-spin.

CONTEST TIMING

The contest submission period begins January 1, 2022, and ends December 31, 2022.  The monthly eligibility list will be recorded between the first calendar day of each month and the last calendar day of each month.  NFCU will provide incentives within 45 days of proper entry.

ELIGIBILITY

The incentive will be awarded to a submission from the NFCU “Money Matters” financial education modules.  Employees working at NFCU and their immediate families are not eligible to enter. For the purposes of these Rules, “immediate family” means spouses, parents, children, siblings, and their respective spouses, regardless of whether they reside in the same household. The submitter must be 18 years or older. Winner must live, work, worship, or attend school in the Neighbors Federal Credit Union service area (nine Louisiana parishes: East Baton Rouge, West Baton Rouge, Ascension, Livingston, Iberville, Pointe Coupee, East Feliciana, West Feliciana, and Saint Helena) and be able to claim the prize from an NFCU location if required. NFCU will not mail or physically deliver any incentive. Membership is required to obtain incentives. To receive incentives for completing modules, the entrant must be a registered user by creating a Money Matters login and password.  NFCU will provide incentives within 45 days of proper entry. NFCU reserves sole discretion to determine or alter the prize delivery timeline at any time. All NFCU accounts must be in good standing.  Incentives are subject to change and NFCU reserves the right to modify or discontinue this incentive program at any time at the sole discretion of NFCU.  Winners must be 18 years old at the time of participation unless otherwise noted in contest rules.  All winners must be willing to sign a release to have their names published on the NFCU website.

SUBMISSION GUIDELINES

Any submission that, in the sole opinion of NFCU, is deemed to be inappropriate for publication is ineligible. Incomplete, illegible, false, deceptive, or garbled submissions are not eligible. All submissions become the sole property of NFCU, and will not be acknowledged or returned. By submitting a submission, you agree that your submission is gratuitous and made without restriction, and will not place NFCU under any obligation that NFCU is free to disclose or otherwise disclose the ideas contained in the submission on a non-confidential basis to anyone or otherwise use the ideas without any additional compensation to you. You acknowledge that, by acceptance of your submission, NFCU does not waive any rights to use similar or related ideas previously known to NFCU, developed by its employees, or obtained from sources other than you. An eligible user is limited to one incentive per incentive type/contest.

LIMITATIONS OF LIABILITY AND RELEASE

Member cannot receive credit more than once for any individual module incentive. No liability or responsibility is assumed by NFCU or parties donating prizes resulting from the submitter’s submission in the contest in or attempt to participate in the contest or ability or inability to upload or download any information in connection with the contest. No responsibility or liability is assumed by the NFCU or the parties donating prizes  for technical problems or technical malfunction arising in connection with any of the following occurrences which may affect the operation of the contest: hardware or software errors; faulty computer, cable, satellite, network, electronic, Internet connectivity or other online or network communication problems; errors or limitations of any Internet service providers, servers, hosts or other providers; garbled, jumbled or faulty data transmissions; failure of any online transmissions to be sent or received; lost, late, delayed or intercepted transmissions; inaccessibility of the website in whole or in part for any reason; traffic congestion on the Internet or the website; unauthorized human or non-human intervention of the operation of the contest, including without limitation, unauthorized tampering, hacking, theft, virus, bugs, or worms; or destruction of any aspect of the contest, or loss, miscount, misdirection, inaccessibility or unavailability of an email account used in connection with the contest. NFCU is not responsible for any printing, typographical, technical, computer, network, or human error which may occur in the administration of the contest, the uploading, the processing or judging of submissions or votes or the tabulating of votes, the announcement of the prizes or in any contest-related materials. Use of the website is at the user’s own risk. NFCU and parties donating prizes are not responsible for any personal injury or property damage or losses of any kind which may be sustained to users or any other person’s computer equipment resulting from participation in the contest. Should any portion of the contest be, in NFCU’s sole opinion, compromised by a virus, worms, bugs, non-authorized human intervention, technical failures, or other causes which, in the sole opinion of NFCU, corrupt or impair the administration, security, fairness or proper play, or uploading of submissions, NFCU reserves the right at its sole discretion to suspend, modify or terminate the contest, and select the recipients from eligible submissions received prior to action taken or as otherwise deemed fair and appropriate by NFCU. Except where prohibited, acceptance of any prize constitutes the winner’s consent to the publication of his or her name, biographical information, and likeness in any media for any commercial or promotional purpose, without limitation the Internet, or further compensation. All tax consequences will be the recipient’s responsibility. The recipient must acknowledge that it is their responsibility to report earnings from incentives for tax purposes. By entering, entrant acknowledges that NFCU may provide them with a Form 1099 required for Tax filing purposes. Entrant also acknowledges that before delivery of incentive(s), the entrant must provide NFCU with required tax information to fill out Form 1099, including but not limited to social security number or valid tax ID, proper mailing address, and legal full name as provided federal tax documentation.

CONDITIONS OF PARTICIPATION

By participating in the contest, submitters agree (and agree to confirm in writing) (a) to release NFCU from any and all claims, damages, or liabilities arising from or relating to such submitter’s participation in the contest; (b) to waive all rights to claim, punitive, incidental, consequential, or any other damages; (c) to acknowledge that eligibility for receiving a prize is solely the discretion of NFCU; and (d) to claim the prize in person from 12529 Perkins Road, Baton Rouge, LA, 70816.