Official Rules
THE CELEBRATE 25! SWEEPSTAKES
OFFICIAL RULES
NO PURCHASE NECESSARY TO ENTER OR WIN. MAKING A PURCHASE WILL NOT IMPROVE YOUR CHANCES OF WINNING.
 
SWEEPSTAKES ENTRY PERIOD: The Celebrate 25! Sweepstakes begins at 12:00:01 AM Central Time (“CT”) on Friday, January 15, 2016 and ends at 11:59:59 PM CT on Saturday, December 31, 2016 (the “Sweepstakes Period”).
 
ELIGIBILITY: The Celebrate 25! Sweepstakes (the “Sweepstakes”) is open to legal residents of MN and WI, age 18 or older at the time of entry. Void outside MN & WI, and where prohibited by law. Employees of Mortgages Unlimited, Inc. (the "Sponsor") and its respective subsidiaries, affiliates, advertising and promotion agencies, and the immediate family members of, and/or those living in the same household of each, are not eligible to enter. Licensed Mortgage Loan Originators (“MLO”) that have an active NMLS number, or that actively engaged in the business of originating mortgage loans in the states of MN or WI are not eligible to participate.  
 
Sweepstakes is subject to all applicable federal, state and local laws and regulations.
 
ENTRY: There are two (2) ways to enter.
 
Method #1: To enter, visit a Mortgages Unlimited office and close on a new first mortgage (the “Mortgage”) with Sponsor during the Sweepstakes Period (“Entry”). Entries must be received between Friday, January 15, 2016 at 12:00:01 AM CT and Friday, December 31, 2016 at 11:59:59 PM CT. Mortgage must be current, in good standing, and have a balance at the time of entry and prize award. Mortgages that are refinanced or closed out with Sponsor prior to the end of the Sweepstakes Period or time of prize award are not eligible. Entrants are subject to all notices posted online including but not limited to the Sponsor’s Privacy Policy.
 
Method #2: Mail-in Entry. Mail a postcard, including your name, complete address, daytime phone number and email address to: The Mortgages Unlimited Celebrate 25! Sweepstakes, 625 Panorama Trail (Suite 2100), Rochester, NY 14625-2437. Each postcard must be mailed separately and must be postmarked between Friday, January 15, 2016 and Saturday, December 31, 2016, and received by Saturday, January 7, 2017 (the “Mail-in Entry”). Photocopied, illegible, or mechanically reproduced entries are not eligible. All entries become the property of the Sponsor and will not be returned or acknowledged. Sponsor is not responsible for lost, late, damaged, misdirected or postage-due mailed entries.
 
Limit: One (1) Entry per person during the Sweepstakes Period regardless of whether entrant has more than one email address. In the event more than one (1) person is listed on a Mortgage, each person listed on the Mortgage will receive one (1) Entry into the Sweepstakes. All entries become the property of the Sponsor and will not be acknowledged or returned.
 
PRIZE/APPROXIMATE RETAIL VALUE (“ARV”)/ODDS: 
 
Grand Prize: One (1) Grand Prize will be available to be won. Grand Prize is $25,000 awarded in the form of a check payable to the winner. Winner may choose to use Grand Prize funds to make additional payments to his/her Mortgage, but will not be required to do so.
 
In the event Grand Prize winner’s Mortgage balance is less than $25,000 at the time of prize award, only the balance remaining on the Mortgage will be awarded. Any difference between the stated value of the Grand Prize and the Mortgage balance will not be awarded. In the event there is no longer a balance on the Mortgage, for reasons including but not limited to Mortgage payoff or refinancing, or there is a default on any Mortgage payment at the time of Grand Prize award, potential Grand Prize winner will be disqualified and an alternate winner may be selected in a separate random drawing.
 
The Maximum ARV of the Grand Prize is: $25,000.00
The total Maximum ARV of all prizes available to be won: $25,000.00.
 
Odds of winning will depend upon the total number of eligible entries received.
 
RANDOM DRAWING: The winner will be selected in a random drawing on or about Monday, January 23, 2017 from among all eligible entries received, which will take place at the offices of US Sweepstakes & Fulfillment Company, an independent agent of the Sponsor whose decisions are final.
 
WINNER NOTIFICATION: Grand Prize winner will be confirmed via email and/or phone, and will be required to sign and return, within seven (7) days of notification, an Affidavit of Eligibility, a Liability Waiver, a W-9 Form and where allowable, a Publicity Release (collectively, "the Releases"). The Releases will require the winner to furnish his/her Social Security Number for the sole purpose of tax reporting, as required by law. Noncompliance will result in disqualification and an alternate winner may be selected. The prize package will be awarded within approximately 45 days after the winner is verified.
 
PRIZE CONDITIONS: All expenses related to the acceptance or use of the prize are the sole responsibility of a prize winner.
 
If a prize notification or prize is returned as undeliverable, or if winner is found to be ineligible or not in compliance with these Official Rules that winner will be disqualified, and the prize may be awarded to an alternate winner in a separate random drawing.
 
Prize is non-assignable or transferable. No substitution is permitted except if prize is unavailable, in which case a prize of equal or greater value will be awarded. No exchange or substitution of prizes, except at the sole discretion of the Sponsor. Any other incidental expenses on prize not specified herein are the winner’s sole responsibility.
 
Grand Prize winner is responsible for all federal, state, local and income taxes associated with winning prize. Grand Prize winner will be required to furnish his/her social security number for the sole purpose of preparation of any tax forms as required by law. Except where prohibited by law, entry and acceptance of prize constitute permission to use winner's name, prize won, hometown, likeness, video tape, photographs, and statements for purposes of advertising, promotion and publicity (including online posting) in any and all media now or hereafter known throughout the world in perpetuity, without additional compensation, notification or permission.
 
Prize is awarded “as is” with no warranty or guarantee, either express or implied by Sponsor.  Winner acknowledges that Sponsor and all other businesses affiliated with this Sweepstakes and their agents do not make, nor are in any manner responsible for any warranty, representations, expressed or implied, in fact or in law, relative to the quality, conditions, fitness or merchantability of any aspect of the prize being offered, except that each merchandise prize shall be subject to its manufacturer’s standard warranty (if any).
 
GENERAL: Participating entrants agree to these Official Rules and the decisions of US Sweepstakes & Fulfillment Company and the Sponsor, and release the Sponsor, and its affiliated companies, and all other businesses involved in this Sweepstakes, as well as the employees, officers, directors and agents of each, from all claims and liability relating to their participation in the promotion, and the acceptance and use/misuse of the prize offered. Winners assume all liability for any injury or damage caused or claimed to be caused, by participation in this Sweepstakes or use/misuse or redemption of the prize. Sponsor is not responsible for any typographical or other error in the printing of the offer, administration of the Sweepstakes or in the announcement of the prize. 
 
If for any reason this Sweepstakes is not capable of running as planned due to causes beyond the control of the Sponsor which corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Sweepstakes, the Sponsor reserves the right at its sole discretion, to disqualify any individual who tampers with the entry process, and to cancel, terminate, modify or suspend the Sweepstakes, at which time, Sponsor will conduct a random drawing from among all eligible entries received at the time of the Sweepstakes termination. The Sponsor assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, theft or destruction or unauthorized access to, or alteration of, entries.
 
LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT AN ENTRANT, TO DELIBERATELY DAMAGE, DESTROY, TAMPER OR VANDALIZE THE WEB SITE OR INTERFERE WITH THE OPERATION OF THE SWEEPSTAKES, IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND DILIGENTLY PURSUE ALL REMEDIES AGAINST ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.
 
DISPUTES: Except where prohibited, entrant agrees that any and all disputes, claims and causes of action arising out of, or connected with, the Sweepstakes or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in the state of Minnesota.  All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, entrant’s rights and obligations, or the rights and obligations of the Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the state of Minnesota without giving effect to any choice of law or conflict of law rules (whether of the State of Minnesota or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the state of Minnesota. The remedy for any claim shall be limited to actual damages, and in no event shall any party be entitled to recover punitive, exemplary, consequential, or incidental damages, including attorney’s fees or other such related costs of bringing a claim, or to rescind this agreement or seek injunctive or any other equitable relief.
 
THE PARTIES HEREBY WAIVE THEIR RIGHT TO JURY TRIAL WITH RESPECT TO ALL CLAIMS AND ISSUES ARISING OUT OF OR RELATING TO THIS PROMOTION WHETHER SOUNDING IN CONTRACT OR TORT, AND INCLUDING ANY CLAIM FOR FRAUDULENT INDUCEMENT THEREOF.
 
PRIVACY: By entering and providing the required entry information, entrants acknowledge that the Sponsor may also send information, samples or special offers it believes may be of interest to entrant, or other information or goods offered by its marketing partners. Personal information collected from entrants is subject to the Sponsor’s Privacy Policy, which can be found at www.muihomeloans.com/privacypolicy1.
 
OFFICIAL RULES REQUEST: To request a copy of the Official Rules, see www.celebrate25.com or send a self-addressed, stamped envelope by January 23, 2017, to: The Celebrate 25! Sweepstakes Official Rules Request, PO Box 25466, Rochester, NY 14625-0466.
 
WINNER CONFIRMATION: For a written confirmation of the winner (available after January 23, 2017 send a stamped, self-addressed envelope (no later than February 20, 2017), to: The Celebrate 25! Sweepstakes Winner Confirmation Request, PO Box 25466, Rochester, NY 14625-0466.
 
SPONSOR: Mortgages Unlimited, Inc., 7365 Kirkwood Ct., Ste 300, Maple Grove, MN 55369.
 
Void outside MN & WI, in Puerto Rico, and wherever else prohibited by law.