“Why I Love GMFCU” Official Sweepstakes Rules


  1. Eligibility: The “Why I Love GMFCU” Sweepstakes (“Sweepstakes”) is open only to members in good standing of Greensboro Municipal Federal Credit Union (“GMFCU”) who comment on a “Why I Love GMFCU” post at www.facebook.com/GMFCU and who are 18 years of age or older as of the date of entry. “Good standing” is defined by GMFCU of having an active account with a positive balance and no currently late payment. The Sweepstakes is only open to legal residents of the United States of America, and is void where prohibited by law. Employees of GMFCU, its affiliates, subsidiaries, advertising and promotion agencies, and suppliers, (collectively the “Employees”), and immediate family members and/or those living in the same household of Employees are not eligible to participate in the Sweepstakes. The Sweepstakes is subject to all applicable federal, state, and local laws and regulations. Void where prohibited.
  2. Agreement to Rules: By participating, the Contestant (“You”) agree to be fully unconditionally bound by these Rules, and You represent and warrant that You meet the eligibility requirements. In addition, You agree to accept the decisions of GMFCU as final and binding as it relates to the content of this Sweepstakes.
  3. Sweepstakes Period: Entries will be accepted online starting on February 1, 2020, at 12:00 a.m. EST and ending February 29, 2020, at 11:59 p.m. EST. All online entries must be received by February 29, 2020, at 11:59 p.m. EST.
  4. How to Enter: The Sweepstakes must be entered by submitting a comment explaining why you love GMFCU on any official “Why I Love GMFCU” Facebook post at www.facebook.com/GMFCU. The entry must fulfill all Sweepstakes requirements, as specified, to be eligible to win a prize. Entries that are incomplete or do not adhere to the rules or specifications may be disqualified at the sole discretion of GMFCU. You may enter only once. You must provide the information requested. You may not enter more times than indicated by using multiple email addresses, identities, or devices in an attempt to circumvent the rules. If You use fraudulent methods or otherwise attempt to circumvent the rules, your submission may be removed from eligibility at the sole discretion of GMFCU.
  5. Prizes: There will be three (3) Winner(s) of the Sweepstakes (the “Winner”). Each Winner will receive a $25.00 Visa Gift Card. Actual value of each prize is $25.00 USD. No cash or other prize substitution shall be permitted. The prize is nontransferable. Any and all prize-related expenses, including without limitation any and all federal, state, and/or local taxes, shall be the sole responsibility of Winner. No substitution of prize or transfer/assignment of prize to others or request for the cash equivalent by Winner is permitted. Acceptance of prize constitutes permission for GMFCU to use Winner’s name, likeness, and entry for purposes of advertising and trade without further compensation, unless prohibited by law.
  6. Odds: The odds of winning depend on the number of eligible entries received.
  7. Winner Selection and Notification: Winner will be selected by a random drawing under the supervision of GMFCU on March 2, 2020. Winner will be notified by Facebook Messenger or via telephone within five (5) days following selection of Winner. GMFCU shall have no liability for Winner’s failure to receive notices due to spam, junk e-mail or other security settings or for Winner’s provision of incorrect or otherwise non-functioning contact information. If Winner cannot be contacted, is ineligible, fails to claim the prize within 30 days from the time award notification was sent, or fails to timely return a completed and executed declaration and release as required, the prize may be forfeited and an alternate Winner selected. Receipt by Winner of the prize offered in this Sweepstakes is conditioned upon compliance with any and all federal, state, and local laws and regulations. ANY VIOLATION OF THESE OFFICIAL RULES BY WINNER (AT GMFCU‘S SOLE DISCRETION) WILL RESULT IN WINNER’S DISQUALIFICATION AS WINNER OF THE SWEEPSTAKES, AND ALL PRIVILEGES AS WINNER WILL BE IMMEDIATELY TERMINATED.
  8. Rights Granted by You: By entering this content (e.g., photo, video, text, etc.), You understand and agree that GMFCU, anyone acting on behalf of GMFCU, and GMFCU’s licensees, successors, and assigns, shall have the right, where permitted by law, to print, publish, broadcast, distribute, and use in any media now known or hereafter developed, in perpetuity and throughout the World, without limitation, your entry, name (first name and last initial), location, and statements about the Sweepstakes for news, publicity, information, trade, advertising, public relations, and promotional purposes. without any further compensation, notice, review, or consent. By entering this content, You represent and warrant that your entry is an original work of authorship, and does not violate any third party’s proprietary or intellectual property rights. If your entry infringes upon the intellectual property right of another, You will be disqualified at the sole discretion of GMFCU. If the content of your entry is claimed to constitute infringement of any proprietary or intellectual proprietary rights of any third party, You shall, at your sole expense, defend or settle against such claims. You shall indemnify, defend, and hold harmless GMFCU from and against any suit, proceeding, claims, liability, loss, damage, costs or expense, which GMFCU may incur, suffer, or be required to pay arising out of such infringement or suspected infringement of any third party’s right.
  9. Terms & Conditions: GMFCU reserves the right, in its sole discretion, to cancel, terminate, modify or suspend the Sweepstakes should virus, bug, non-authorized human intervention, fraud, or other cause beyond GMFCU’s control corrupt or affect the administration, security, fairness, or proper conduct of the Sweepstakes. In such case, GMFCU may select the Winner from all eligible entries received prior to and/or after (if appropriate) the action taken by GMFCU. GMFCU reserves the right, in its sole discretion, to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the Sweepstakes or website or violates these Terms & Conditions. GMFCU has the right, in its sole discretion, to maintain the integrity of the Sweepstakes, to void votes for any reason, including, but not limited to: multiple entries from the same user from different IP addresses; multiple entries from the same computer in excess of that allowed by Sweepstakes rules; or the use of bots, macros, scripts, or other technical means for entering. Any attempt by an entrant to deliberately damage any website or undermine the legitimate operation of the Sweepstakes may be a violation of criminal and civil laws. Should such attempt be made, GMFCU reserves the right to seek damages to the fullest extent permitted by law.
  10. Limitation of Liability: By entering, You agree to release and hold harmless GMFCU and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers, and directors from any liability, illness, injury, death, loss, litigation, claim, or damage that may occur, directly or indirectly, whether caused by negligence or not, from: (i) such entrant’s participation in the Sweepstakes and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof; (ii) technical failures of any kind, including but not limited to the malfunction of any computer, cable, network, hardware, or software, or other mechanical equipment; (iii) the unavailability or inaccessibility of any transmissions, telephone, or Internet service; (iv) unauthorized human intervention in any part of the entry process or the Sweepstakes; (v) electronic or human error in the administration of the Sweepstakes or the processing of entries.
  11. Disputes: THIS SWEEPSTAKES IS GOVERNED BY THE LAWS OF THE UNITED STATES OF AMERICA AND NORTH CAROLINA, WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. As a condition of participating in this Sweepstakes, participant agrees that any and all disputes that cannot be resolved between the parties, and causes of action arising out of or connected with this Sweepstakes, shall be resolved individually, without resort to any form of class action, exclusively before a court located in North Carolina having jurisdiction. Further, in any such dispute, under no circumstances shall participant be permitted to obtain awards for, and hereby waives all rights to, punitive, incidental, or consequential damages, including reasonable attorney’s fees, other than participant’s actual out-of-pocket expenses (i.e. costs associated with entering this Sweepstakes). Participant further waives all rights to have damages multiplied or increased.
  12. Privacy Policy: Information submitted with an entry is subject to the Privacy Policy stated on the GMFCU website. To read the Privacy Policy, visit: https://www.greensboromcu.org/wp-content/uploads/PRIVACY_NOTICE_Fed_-JUNE_2017web.pdf
  13. Winners List: To obtain a copy of the Winner’s names or a copy of these Official Rules, mail your request along with a stamped, self-addressed envelope to: “Why I Love GMFCU” Sweepstakes, Attn: Marketing, 217 N. Greene St., Greensboro, NC 27401. Requests for copies of these Official Rules must be received no later than February 29, 2020, at 11:59 p.m. EST. Requests for Sweepstakes Winners must be received no later than March 31, 2020, at 11:59 EST.
  14. Sponsor: The Sponsor of the Sweepstakes is Greensboro Municipal Federal Credit Union, 217 N. Greene St., Greensboro, NC 27401, USA.
  15. Facebook: The Sweepstakes hosted by GMFCU is in no way sponsored, endorsed, administered by, or associated with Facebook.