Caption “This” Photo Contest Official Rules

Caption “This” Photo Contest Official Rules

Sponsored by Tammy Karaba, NMLS # 240148 with CalCon Mutual Mortgage LLC, dba OneTrust Home Loans. 3131 Camino Del Rio North, Suite 1680, San Diego, CA 92108 (“Sponsor” and “Prize Provider”).

NO PURCHASE REQUIRED TO ENTER OR WIN

1) Eligibility: Open to legal residents of the United States (excluding RESIDENTS of OVERSEAS MILITARY INSTALLATIONS, PUERTO RICO and OTHER U.S. TERRITORIES), age 18 or older, unless other restrictions apply (and at least age of majority in state) at the time of entry. Promotion is subject to all applicable federal, state and local laws and regulations and is void where prohibited by law.
2) Agreement to Official Rules: By participating in the Promotion, entrant fully and unconditionally agrees to and accepts these Official Rules and the decisions of the Sponsor(s) and Prize Provider(s), which are final and binding in all matters related to the Promotion.
3) To Enter: You may enter Caption “This” Photo Contest by following the directions below:

(a) HOW TO ENTER
Comment on the Caption “This” Photo post on Facebook with your best caption for the photo. Only one entry per person. Each entrant must be the rightful owner (or have authorized use) of the e-mail address and Facebook account identified in the entrant’s entry as of the date of entry. In the event of a dispute as to the identity of a winner, the winner will be deemed to be the person in whose name the e-mail and Facebook account governing the e-mail address was opened. Entrants must provide all information requested to be eligible to win. Incomplete, unreadable, or unintelligible entries will be disqualified. All entries must be received by 10:00 am PST March 20, 2020.

Entrants are required to comply with all respective Social Media platform rules and regulations when posting on Social Media platforms and are prohibited from spamming or creating fraudulent or multiple accounts. By posting on Social Media platforms, Entrants agree to release and hold harmless Social Media platforms, their respective parent companies, subsidiaries, affiliates and related companies, and each of their respective officers, directors, employees, and agents (collectively, ‘Released Parties’) from and against any and all liability.
Selection of Winner: Prize winner will be selected from all entries meeting the requirements of the Official Rules. Winner will be selected by 4:00pm PST March 20, 2020. Winner will be chosen based on best caption evaluated on originality, humor and content. Winner will be chosen by Tammy Karaba. Winner will be notified through Facebook messenger and in the comments. Sponsor is not responsible for any change of email address, Facebook account or physical address of entrants.

Notification of Winners: Winners will be notified through Facebook within three (3) days of the contest ending, and may be required to sign and return an affidavit of eligibility and publicity/liability release within five (5) days of notification. If a selected Winner cannot be contacted, is ineligible, fails to claim a prize and/or where applicable an affidavit of eligibility and publicity/liability release is not timely received, is incomplete or modified, prize may be forfeited and an alternate Winner will be selected from remaining valid, eligible entries timely submitted. In the event of a dispute regarding who submitted an entry, the entry will be deemed submitted by the authorized account holder of the e-mail account specified in the entry. “Authorized account holder” is defined as the natural person who is assigned to an e-mail address by an Internet access provider associated with the Facebook account, online service provider, or other organization (e.g., business, educational institution, etc.) that is responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address. No automatically generated entries will be accepted.

Prize(s): One (1) winner will receive the following prize (the Prize):
Amazon Gift Card with value of: $25

Sponsor reserves the right to substitute a prize of equal or greater value. No substitution or transfer of prize permitted except as provided herein. Prizes are non-redeemable for cash. In the event of unavailability, Sponsor may substitute a prize of equal or greater value.

General Rules:
Employees of Sponsors and their respective parent companies, affiliates, subsidiaries, advertising, promotion, and fulfillment agencies, their immediate family members and persons living in their same household, are ineligible to participate in the Caption “This” Photo Contest.
By entering, you agree to be bound by these Official Rules Tammy Karaba, NMLS # 240148 with CalCon Mutual Mortgage LLC, dba OneTrust Home Loans. 3131 Camino Del Rio North, Suite 1680, San Diego, CA 92108, which is not responsible for late, lost, delayed, damaged, postage-due, incomplete, illegible, or misdirected entries, responses, or other correspondence, whether by e-mail or postal mail or otherwise, or for theft or destruction or unauthorized access or alterations of entry materials, phone, electrical, network, computer, hardware, software program or transmission malfunctions, failures or difficulties. By participating and winning a prize, Winner releases Sponsor, its parent, affiliates, subsidiaries, directors, officers, employees, sponsors, and agents, including advertising and promotion agencies, from any and all liability with respect to Tammy Karaba, NMLS # 240148 with CalCon Mutual Mortgage LLC, dba OneTrust Home Loans or the acceptance, possession or use of any prize, including without limitation (i) any condition caused by events beyond Sponsor’s control that may cause Tammy Karaba, NMLS # 240148 with CalCon Mutual Mortgage LLC, dba OneTrust Home Loans to be disrupted or corrupted; (ii) any injuries, losses, or damages (compensatory, direct, incidental, consequential or otherwise) of any kind arising in connection with or as a result of the prize, or acceptance, possession, or use of the prize, or from participation in the Caption “This” Photo Contest. Sponsor’s decisions in all respects relative to the Caption “This” Photo Contest are final. Sponsor reserves the right, in its sole discretion, to cancel, modify or suspend the Caption “This” Photo Contest in whole or in part, in the event of fraud, technical or other difficulties or if the integrity of the Caption “This” Photo Contest is compromised, without liability to the entrant. Sponsor reserves the right to disqualify any winner, as determined by Sponsor in its sole discretion.

By participating in the Promotion and accepting any prize, entrants and winners agree to release and hold harmless Sponsor(s), their respective parent companies, subsidiaries, affiliates and related companies, and each of their respective officers, directors, employees, and agents (collectively, ‘Released Parties’) from and against any and all liability whatsoever for any loss, harm, damage, injury, cause of action, claim, cost or expense (including without limitation any property damage, personal injury and/or death) arising out of or in connection with the Promotion, including without limitation participation in any Promotion-related activity and/or possession, acceptance, use or misuse of any prize.

Sponsor’s failure to enforce any term of these rules shall not constitute a waiver of that provision.

Winner acknowledges that Released Parties have not made nor are in any manner responsible or liable for any warranty, representation, or guarantee, express or implied, in fact, or in law, relative to any prize, including but not limited to its quality, mechanical condition or fitness for a particular purpose. Any and all warranties and/or guarantees on a prize (if any) are subject to the respective manufacturers’ terms therefore, and Winner agrees to look solely to such manufacturers for any such warranty and/or guarantee.

Additional Conditions: Except where prohibited by law, by accepting any prize, Winner consents to the use of his/her name, photo and/or likeness, biographical information, winning entry and statements attributed to winner (if true) for advertising and promotional purposes without additional compensation.