Official Rules

NO PURCHASE NECESSARY TO ENTER OR WIN. SWEEPSTAKES OPEN TO LEGAL RESIDENTS OF THE 50 UNITED STATES OR DISTRICT OF COLUMBIA WHO ARE AT LEAST 18 YEARS OF AGE OR OLDER ON THE DATE OF ENTRY. VOID WHERE PROHIBITED BY LAW.

1) SWEEPSTAKES PERIOD: The 5 Ways to Make Saving Easier Sweepstakes (the “Sweepstakes” or the “Promotion”) starts February 21, 2022 at 12:00:00 AM Eastern Time (“ET”) and ends February 25, 2022 at 11:59 PM ET (the "Sweepstakes Period").

2) ELIGIBILITY: The Promotion is open to legal residents of the fifty (50) United States or the District of Columbia, who are 18 years of age or older on the date of entry. The officers, directors and employees of the Consumer Federation of America (the “Sponsor”) its subsidiaries and affiliated organizations, advertising and promotion agencies, persons engaged in the development, production or distribution of materials for this promotion (collectively, the “Promotion Parties”) and the immediate family members (parent, child, sibling, and spouse of each) of and/or persons living in the same household as such individuals (whether related or not) are not eligible to participate. This Sweepstakes is void where prohibited by law.

  • HOW TO PARTICPATE AND ENTER THE SWEEPSTAKES: To enter the Sweepstakes, you must complete the following steps:
  1. If you previously have not done so, go to https://americasaves.org/for-savers/pledge/ and follow the on-screen instructions. You must complete and submit the America Saves Pledge Form (the “Pledge Form”) as instructed to participate in the Promotion. If you have already completed the Pledge Form, it must have been completed within the last twelve months prior to the start of the Promotion or it will have to be resubmitted.
  2. Register for the February 21, 2022 virtual “town hall” at https://americasaves.org/town-halls/thinklikeasaver-5-ways-to-make-saving-easier/.
  3. Attend the town hall at 2 PM ET on February 21, 2022 by visiting https://americasaves.org/live or YouTube ((https://www.youtube.com/channel/UCXbb1Wxad7AvlJq4tgIIusw) or Facebook* (https://www.facebook.com/AmericaSaves/).

*To attend a town hall via Facebook, you must be a registered user of www.Facebook.com (“Facebook”). If you do not have an account, visit Facebook to create one. There is no fee or charge to become a Registered User. By submitting your information and creating an account, you agree to the Facebook terms of use and privacy notice. If you do not agree to such terms of use and privacy notice, you cannot create a respective account, attend a town hall or submit an entry.

  1. Share your top takeaway from the town hall as a comment on one of the following:

Your post must be made by 11:59 PM ET on February 25, 2022. All information used as your comment to describe your top takeaway, such as captions, photos, videos, and posts submitted shall be collectively referred to herein as the “Entry”. Entries must comply with the Guidelines and Restrictions defined below. Entries will not be judged. There is a limit of one (1) Entry per person/per email address throughout the Promotion

If any individual submits entries in excess of the disclosed maximum, by any means, including but not limited to establishing multiple email accounts, they will be disqualified from participation in this Sweepstakes. The name of the person submitting the Sweepstakes Entry must be the authorized account holder of such email address, otherwise, Entry may be deemed void. In the event of a dispute over the identity of the potential prize winner, the Entry will be declared made by the authorized account holder of the email address submitted at the time of Entry, and the potential prize winner may be required to provide identification sufficient to show that he/she is the authorized account holder of such email address. It is the sole responsibility of the Entrant to notify the Sponsor in writing if the Entrant changes his or her email or postal address during the Sweepstakes Period.

By submitting your Entry, you agree that (1) your Entry conforms to any terms of use/ platform guidelines, policies and content restrictions of Facebook; and (2) conforms to the Guidelines and Content Restrictions below.

 

Guidelines and Content Restrictions

  • The Entry must not contain material that violates or infringes another’s rights, including but not limited to privacy, publicity, copyright, trademark or other intellectual property rights;
  • The Entry must be in English;
  • The Entry must not contain any personal information;
  • The Entry must not promote and/or endorse a political agenda;
  • The Entry must not disparage or embarrass Sponsor, their owners and employees, or any other person or party affiliated with the Promotion and administration of this Sweepstakes;
  • The Entry must not feature brand names or trademarks of others;
  • The Entry must not contain material that is inappropriate, indecent, obscene, hateful, tortious, defamatory, slanderous or libelous;
  • The Entry must not contain any materials relating to lotteries, gambling, tobacco, alcohol or drugs, pornography, adult-oriented content or any other sexually explicit material;
  • The Entry must not contain anything that promotes bigotry, racism, hatred or harm against any group or individual or promotes discrimination based on race, gender, religion, nationality, disability, sexual orientation or age; and
  • The Entry must not contain material that is unlawful, in violation of or contrary to the laws or regulations in any jurisdiction where the Entry is created.

 

BY SUBMITTING YOUR ENTRY, YOU ACKNOWLEDGE THAT YOUR ENTRY (INCLUDING YOUR USERNAME AND PROFILE PICTURE) MAY BE POSTED ON FACEBOOK, AND/OR SPONSOR’S PROPRIETARY WEBSITE, WHERE IT MAY BE VIEWED, SHARED (BY USERS OF FACEBOOK AND VARIOUS OTHER INTERNET-BASED SITES) AND COMMENTED ON BY THE SPONSOR AND THE GENERAL PUBLIC.

By submitting an Entry in this Promotion, Entrant agrees to comply with these Official Rules. Entries that do not comply with these Official Rules and Guidelines and Content Restrictions above, as determined in Sponsor and/or Administrator’s sole discretion, will be disqualified from the Sweepstakes. Decisions of the Sponsor and/or Administrator are final and binding.

By entering this Promotion, each Entrant agrees to grant the Sponsor, subsidiaries, and affiliates and its agents and designees, the exclusive, worldwide, perpetual, irrevocable, royalty-free, sub-licensable right to exercise the copyright, publicity, database rights and any other rights Entrant has in the Entry, and also the right and permission to edit, modify, cut, rearrange, add to, delete from, copy, reproduce, translate, dub, adapt, publish, exploit, and use the content of and elements embodied in the Entry, in any media now known or hereafter devised (including without limitation, the Internet), for advertising and promotional purposes without additional compensation, except where prohibited by law. Each Entrant hereby represents and warrants that he/she is the original author/creator of his/her Entry and the Entry will not infringe any third party's copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy. Sponsor's use of information submitted to Sponsor in connection with this Promotion will be subject to the terms and conditions of these Official Rules.

Each Entrant acknowledges that other Sweepstakes participants may have used ideas and/or concepts in their Entry that may be similar in idea or concept to what is included in Entrant’s Entry. Each Entrant understands and agrees that he/she shall not have any claim against any other Entrant or Sponsor arising out any such similarity or be entitled to any compensation because of any such similarity.

Proof of submission of Entry does not constitute proof of receipt of Entry. All entries become the property of Sponsor and will not be returned to Entrants. Each Entry submission must be manually key stroked and manually entered by the individual Entrant; automated and/or repetitive electronic submission of entries (including but not limited to entries made using any script, macro, bot, or Sweepstakes service) will be disqualified and transmissions from these or related email or IP addresses may be blocked.

4) RANDOM DRAWING: On or about March 4, 2022, five (5) potential winners will be selected in a random drawing amongst all eligible entries received during the Sweepstakes Period. The random drawing will be conducted by the “Administrator” (as defined below), whose decisions are final on all matters relating to the Sweepstakes. Odds of winning a prize depend on the total number of eligible entries received. Potential winners are subject to eligibility verification and compliance with these Official Rules. Limit of one (1) prize per household.

5) PRIZES: Five (5) Prizes: A $500 prize check. Retail Value (“RV”) of $500 each. Total RV of all Prizes to be awarded: $2,500. Prize will be fulfilled within 3 to 5 weeks after verification of eligibility.

6) WINNER NOTIFICATIONS AND PRIZE FULFILLMENT: Each potential Prize winner will be notified by email at the email address provided at time of completion of the Pledge Form. Each potential Prize winner will be required to complete, sign, and return an Affidavit of Eligibility and Liability Release and; where legal, a Publicity Release (collectively the “Affidavit”). The complete Affidavit must be returned to the Administrator by the date stated in the notification email/letter or the prize will be forfeited and awarded to an alternate potential Prize winner. If the potential Prize winner (i) cannot be contacted after a reasonable attempt has been made by Administrator (as determined in Sponsor’s sole discretion); or (ii) fails to timely return the required paperwork without alteration and in the form presented by Administrator; (iii) refuses the prize; or (iv) the prize or prize notification is rejected or returned as undeliverable, then such potential Prize winner will be disqualified and forfeits all rights to be deemed a winner in the Sweepstakes and receive the prize offered, and an alternate potential Prize winner will be notified, time permitting. Upon prize forfeiture, no compensation will be given.

7) GENERAL: Except as determined by the Sponsor in its sole discretion (and where lawful), no substitution of prize or award shall be offered and no transfer of prize or award to a third party is permitted. All federal, state, and other tax liabilities arising from this Sweepstakes are the sole responsibility of prize winners. No more than the listed number of prizes and awards will be provided.

8) CONDUCT: By entering into this Sweepstakes, entrants agree to be bound by these Official Rules and the decisions of the Administrator and the Sponsor, which shall be final and binding in all respects and waive any right to claim ambiguity in the Sweepstakes or these Official Rules. These Official Rules are accessible at https://americasaves.org/for-savers/official-rules/ throughout the Sweepstakes Period. Failure to comply with these Official Rules may result in disqualification. The Sponsor reserves the right, at its sole discretion, to disqualify any individual: (a) suspected of tampering with the entry process or the operation of the Sweepstakes; (b) to be acting in any manner deemed by the Sponsor to be in violation of the Official Rules; (c) to be acting in any manner deemed by the Sponsor to constitute unsportsmanlike or disruptive behavior, or with intent to annoy, abuse, threaten or harass any other person. CAUTION: ANY ATTEMPT BY A USER OR ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEB SITE OR UNDERMINE THE LEGITIMATE OPERATION OF THIS SWEEPSTAKES IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, THE SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND COSTS (INCLUDING WITHOUT LIMITATION, ATTORNEYS’ FEES) FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.

9) LIMITATIONS OF LIABILITY: The Promotion Parties assume no responsibility or liability for (a) any incorrect or inaccurate entry information, or for any faulty, failed, garbled or jumbled electronic data transmissions; (b) any unauthorized access to, or theft, destruction or alteration of entries at any point in the operation of this Sweepstakes; (c) any technical malfunction, failure, error, omission, interruption, deletion, defect, delay in operation or communications line failure, regardless of cause, with regard to any equipment, systems, networks, lines, satellites, servers, computers/mobile device or providers utilized in any aspect of the operation of the Sweepstakes; (d) inaccessibility or unavailability of the Internet or any combination thereof; or (e) any injury or damage to the participant’s or to any other person's computer which may be related to or resulting from any attempt to participate in the Sweepstakes or to download any materials from the Sweepstakes. If, for any reason, the Sweepstakes is not able to run through completion for reasons which may include, without limitation, infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes which may corrupt or affect the administration, security, fairness, integrity or proper conduct of this Sweepstakes, then the Sponsor reserves the right, in its sole discretion, to cancel, terminate, modify or suspend the Sweepstakes in whole or in part, without further liability to the entrants or third parties. In the event the Sweepstakes is cancelled, Sponsor reserves the right to conduct a random drawing to award prizes from among all eligible non-suspect entries received prior to the time of the action or event warranting such cancellation. With regard to this Sweepstakes, the Sponsor and/or Administrator will contact those entrants deemed as potential winners for purposes of clearance and awarding of any prize. The Official Rules prevail should there be any conflict or uncertainty relating to the promotion based on information or advice provided by any of the Released Entities (as defined below).

10) WINNER RELEASES: All Entrants, as a condition of entry into the Sweepstakes, agree to release Sponsor, Facebook, its directors, officers, employees, subsidiaries and affiliated companies, suppliers, printers, application developers, advertisers, promotion agencies (collectively the “Released Entities”) from and against any and all liability, loss, claims, demands or actions of any kind whatsoever for injuries, damages, costs, or losses to persons or property which may be sustained in connection with: (a) accessing the Sweepstakes page; (b) submitting an Entry or otherwise participating in any aspect of the Sweepstakes; (c) the acceptance, receipt, ownership, use or misuse of any prize awarded; (d) preparing for, participating in, or traveling to and/or from any prize-related activity; or (e) any typographical or other error in these Official Rules or the announcement of the offering of any prize.

11) PRIVACY: By entering the Promotion, you grant the Sponsor permission to use your personal information in accordance with its privacy policy which can be found at https://americasaves.org/privacy-policy/. By participating in the Promotion, Entrants hereby acknowledge that they have read and accepted Sponsor’s privacy policy. Information collected from Entrants (such as name, postal address and email address) is used only for the purpose to notify the winner, and will not be re-used, sold or shared in any manner by Sponsor or any third parties unless Entrant has opted-in to receive additional information and marketing or promotional material from Sponsor or a third party. Unless prohibited by law, Entrants waive any rights of privacy, rights of publicity, intellectual property rights, and other rights that may preclude Sponsor from using or disclosing all or any part of your Entry in any manner and for any purpose.

12) DISPUTES: Any attempt by a person to use multiple e-mail accounts to enter more than once will result in disqualification. Entries will be deemed made by the authorized account holder of the e-mail address used at time of entry. In the event of a dispute over who submitted a winning entry, the authorized account holder of the email address attached to that winning entry will be declared the winner. “Authorized Account Holder” is defined as the natural person assigned to a user name/email address by an Internet access provider, on-line service provider or other organization responsible for assigning user names/email addresses for the domain associated with the user name/email address in question. Potential winners may be asked to provide Sponsor with satisfactory proof that he/she is the Authorized Account Holder of the email address associated with a potential winning entry. Entry generated by a script, macro or other automated means will be disqualified. Entries that are incomplete, illegible, or corrupted are void and will not be accepted.

13) GOVERNING LAW: The Sweepstakes is governed by the laws of the United States. All federal, state and local laws and regulations apply. The construction, validity and interpretation of the Promotion shall be governed by the laws of the District of Columbia, without giving effect to any choice of law or conflict of law rules. All disputes, claims and causes of action arising out of or related to the Sweepstakes shall be resolved in the applicable court within the District of Columbia.

14) WINNERS LIST: To receive a copy of the Winners List, available after March 4, 2022, send an email with subject line: "5 ways to Make Saving Easier" Winner’s List to winnerslist@mardenkane.com. All such requests must be received by March 31, 2022. The winners list will only be available after the Prize winners have been verified.

15) SPONSOR/ADMINISTRATOR: Sponsor: Consumer Federation of America, Attention America Saves, 1620 Eye Street, NW, Suite 200, Washington, DC 20006. Administrator: Marden-Kane, Inc., 575 Underhill Blvd., Suite 222, Syosset, NY 11791.

ÓCopyright 2022 Marden-Kane Inc. All rights reserved. Entrants are hereby authorized to copy these Official Rules on the condition that it will be for the Entrant’s personal use only.

Facebook is a registered trademark of Facebook, Inc. YouTube is a registered trademark of Google LLC. This promotion is in no way sponsored, endorsed, administered by, or in association with Facebook or YouTube. Entrants understand that you are providing your information to the Sponsor, and not to Facebook or YouTube. Any questions, comments or complaints regarding the Promotion are to be directed to Sponsor, at the address noted above, not Facebook or YouTube.

CONSUMER FEDERATION OF AMERICA

Buying Your First home town hall sweepstakes

OFFICIAL RULES

NO PURCHASE NECESSARY TO ENTER OR WIN. SWEEPSTAKES OPEN TO LEGAL RESIDENTS OF THE 50 UNITED STATES OR DISTRICT OF COLUMBIA WHO ARE AT LEAST 18 YEARS OF AGE OR OLDER ON THE DATE OF ENTRY. VOID WHERE PROHIBITED BY LAW.

1) SWEEPSTAKES PERIOD: The Buying Your First Home Town Hall Sweepstakes (the “Sweepstakes” or the “Promotion”) starts July 22, 2021 at 12:00:00 AM Eastern Time (“ET”) and ends July 23, 2021 at 11:59 PM ET (the "Sweepstakes Period").

2) ELIGIBILITY: The Promotion is open to legal residents of the fifty (50) United States or the District of Columbia, who are 18 years of age or older on the date of entry. The officers, directors and employees of the Consumer Federation of America (the “Sponsor”) its subsidiaries and affiliated organizations, advertising and promotion agencies, persons engaged in the development, production or distribution of materials for this promotion (collectively, the “Promotion Parties”) and the immediate family members (parent, child, sibling, and spouse of each) of and/or persons living in the same household as such individuals (whether related or not) are not eligible to participate. This Sweepstakes is void where prohibited by law.

  • HOW TO PARTICPATE AND ENTER THE SWEEPSTAKES: To enter the Sweepstakes, you must complete the following steps:
  1. If you previously have not done so, go to https://americasaves.org/for-savers/pledge or https://militarysaves.org/for-savers/savings-tools-and-resources/take-the-pledge and follow the on-screen instructions. You must complete and submit the America Saves or Military Saves Pledge Form (the “Pledge Form”) as instructed to participate in the Promotion. If you have already completed the Pledge Form, it must have been completed within the last twelve months prior to the start of the Promotion or it will have to be resubmitted.

 

  1. Register for the July 22, 2021 virtual “town hall” at https://americasaves.org/for-savers/town-hall-buying-your-first-home/.

 

  1. Attend the town hall at 7 pm ET on July 22, 2021 by visiting https://americasaves.org/live or YouTube (https://www.youtube.com/channel/UCXbb1Wxad7AvlJq4tgIIusw) or Facebook* (https://www.facebook.com/AmericaSaves/).

 

*To attend a town hall via Facebook, you must be a registered user of www.Facebook.com (“Facebook”). If you do not have an account, visit Facebook to create one. There is no fee or charge to become a Registered User. By submitting your information and creating an account, you agree to the Facebook terms of use and privacy notice. If you do not agree to such terms of use and privacy notice, you cannot create a respective account, attend a town hall or submit an entry.

  1. Share your top takeaway from the town hall as a comment on one of the following:

Your post must be made by 11:59 pm ET on July 23, 2021, the day after the end of the town hall. All information used as your comment to describe your top takeaway, such as captions, photos, videos, and posts submitted shall be collectively referred to herein as the “Entry”. Entries must comply with the Guidelines and Restrictions defined below. Entries will not be judged. There is a limit of one (1) Entry per person/per email address throughout the Promotion.

If any individual submits entries in excess of the disclosed maximum, by any means, including but not limited to establishing multiple email accounts, they will be disqualified from participation in this Sweepstakes. The name of the person submitting the Sweepstakes Entry must be the authorized account holder of such email address, otherwise, Entry may be deemed void. In the event of a dispute over the identity of the potential prize winner, the Entry will be declared made by the authorized account holder of the email address submitted at the time of Entry, and the potential prize winner may be required to provide identification sufficient to show that he/she is the authorized account holder of such email address. It is the sole responsibility of the Entrant to notify the Sponsor in writing if the Entrant changes his or her email or postal address during the Sweepstakes Period.

By submitting your Entry, you agree that (1) your Entry conforms to any terms of use/ platform guidelines, policies and content restrictions of Facebook; and (2) conforms to the Guidelines and Content Restrictions below.

Guidelines and Content Restrictions

  • The Entry must not contain material that violates or infringes another’s rights, including but not limited to privacy, publicity, copyright, trademark or other intellectual property rights;
  • The Entry must be in English;
  • The Entry must not contain any personal information;
  • The Entry must not promote and/or endorse a political agenda;
  • The Entry must not disparage or embarrass Sponsor, their owners and employees, or any other person or party affiliated with the Promotion and administration of this Sweepstakes;
  • The Entry must not feature brand names or trademarks of others;
  • The Entry must not contain material that is inappropriate, indecent, obscene, hateful, tortious, defamatory, slanderous or libelous;
  • The Entry must not contain any materials relating to lotteries, gambling, tobacco, alcohol or drugs, pornography, adult-oriented content or any other sexually explicit material;
  • The Entry must not contain anything that promotes bigotry, racism, hatred or harm against any group or individual or promotes discrimination based on race, gender, religion, nationality, disability, sexual orientation or age; and
  • The Entry must not contain material that is unlawful, in violation of or contrary to the laws or regulations in any jurisdiction where the Entry is created.

BY SUBMITTING YOUR ENTRY, YOU ACKNOWLEDGE THAT YOUR ENTRY (INCLUDING YOUR USERNAME AND PROFILE PICTURE) MAY BE POSTED ON FACEBOOK, AND/OR SPONSOR’S PROPRIETARY WEBSITE, WHERE IT MAY BE VIEWED, SHARED (BY USERS OF FACEBOOK AND VARIOUS OTHER INTERNET-BASED SITES) AND COMMENTED ON BY THE SPONSOR AND THE GENERAL PUBLIC.

By submitting an Entry in this Promotion, Entrant agrees to comply with these Official Rules. Entries that do not comply with these Official Rules and Guidelines and Content Restrictions above, as determined in Sponsor and/or Administrator’s sole discretion, will be disqualified from the Sweepstakes. Decisions of the Sponsor and/or Administrator are final and binding.

By entering this Promotion, each Entrant agrees to grant the Sponsor, subsidiaries, and affiliates and its agents and designees, the exclusive, worldwide, perpetual, irrevocable, royalty-free, sub-licensable right to exercise the copyright, publicity, database rights and any other rights Entrant has in the Entry, and also the right and permission to edit, modify, cut, rearrange, add to, delete from, copy, reproduce, translate, dub, adapt, publish, exploit, and use the content of and elements embodied in the Entry, in any media now known or hereafter devised (including without limitation, the Internet), for advertising and promotional purposes without additional compensation, except where prohibited by law. Each Entrant hereby represents and warrants that he/she is the original author/creator of his/her Entry and the Entry will not infringe any third party's copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy. Sponsor's use of information submitted to Sponsor in connection with this Promotion will be subject to the terms and conditions of these Official Rules.

Each Entrant acknowledges that other Sweepstakes participants may have used ideas and/or concepts in their Entry that may be similar in idea or concept to what is included in Entrant’s Entry. Each Entrant understands and agrees that he/she shall not have any claim against any other Entrant or Sponsor arising out any such similarity or be entitled to any compensation because of any such similarity.

Proof of submission of Entry does not constitute proof of receipt of Entry. All entries become the property of Sponsor and will not be returned to Entrants. Each Entry submission must be manually key stroked and manually entered by the individual Entrant; automated and/or repetitive electronic submission of entries (including but not limited to entries made using any script, macro, bot, or Sweepstakes service) will be disqualified and transmissions from these or related email or IP addresses may be blocked.

4) RANDOM DRAWING: On or about July 27, 2021, five (5) potential winners will be selected in a random drawing amongst all eligible entries received during the Sweepstakes Period. The random drawing will be conducted by the “Administrator” (as defined below), whose decisions are final on all matters relating to the Sweepstakes. Odds of winning a prize depend on the total number of eligible entries received. Potential winners are subject to eligibility verification and compliance with these Official Rules. Limit of one (1) prize per household.

5) PRIZES: Five (5) Prizes: A $500 prize check. Retail Value (“RV”) of $500 each. Total RV of all Prizes to be awarded: $2,500. Prize will be fulfilled within 3 to 5 weeks after verification of eligibility.

6) WINNER NOTIFICATIONS AND PRIZE FULFILLMENT: Each potential Prize winner will be notified by email at the email address provided at time of completion of the Pledge Form. Each potential Prize winner will be required to complete, sign, and return an Affidavit of Eligibility and Liability Release and; where legal, a Publicity Release (collectively the “Affidavit”). The complete Affidavit must be returned to the Administrator by the date stated in the notification email/letter or the prize will be forfeited and awarded to an alternate potential Prize winner. If the potential Prize winner (i) cannot be contacted after a reasonable attempt has been made by Administrator (as determined in Sponsor’s sole discretion); or (ii) fails to timely return the required paperwork without alteration and in the form presented by Administrator; (iii) refuses the prize; or (iv) the prize or prize notification is rejected or returned as undeliverable, then such potential Prize winner will be disqualified and forfeits all rights to be deemed a winner in the Sweepstakes and receive the prize offered, and an alternate potential Prize winner will be notified, time permitting. Upon prize forfeiture, no compensation will be given.

7) GENERAL: Except as determined by the Sponsor in its sole discretion (and where lawful), no substitution of prize or award shall be offered and no transfer of prize or award to a third party is permitted. All federal, state, and other tax liabilities arising from this Sweepstakes are the sole responsibility of prize winners. No more than the listed number of prizes and awards will be provided.

8) CONDUCT: By entering into this Sweepstakes, entrants agree to be bound by these Official Rules and the decisions of the Administrator and the Sponsor, which shall be final and binding in all respects and waive any right to claim ambiguity in the Sweepstakes or these Official Rules. These Official Rules are accessible at https://americasaves.org/for-savers/pledge and https://militarysaves.org/for-savers/savings-tools-and-resources/take-the-pledge throughout the Sweepstakes Period. Failure to comply with these Official Rules may result in disqualification. The Sponsor reserves the right, at its sole discretion, to disqualify any individual: (a) suspected of tampering with the entry process or the operation of the Sweepstakes; (b) to be acting in any manner deemed by the Sponsor to be in violation of the Official Rules; (c) to be acting in any manner deemed by the Sponsor to constitute unsportsmanlike or disruptive behavior, or with intent to annoy, abuse, threaten or harass any other person. CAUTION: ANY ATTEMPT BY A USER OR ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEB SITE OR UNDERMINE THE LEGITIMATE OPERATION OF THIS SWEEPSTAKES IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, THE SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND COSTS (INCLUDING WITHOUT LIMITATION, ATTORNEYS’ FEES) FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.

9) LIMITATIONS OF LIABILITY: The Promotion Parties assume no responsibility or liability for (a) any incorrect or inaccurate entry information, or for any faulty, failed, garbled or jumbled electronic data transmissions; (b) any unauthorized access to, or theft, destruction or alteration of entries at any point in the operation of this Sweepstakes; (c) any technical malfunction, failure, error, omission, interruption, deletion, defect, delay in operation or communications line failure, regardless of cause, with regard to any equipment, systems, networks, lines, satellites, servers, computers/mobile device or providers utilized in any aspect of the operation of the Sweepstakes; (d) inaccessibility or unavailability of the Internet or any combination thereof; or (e) any injury or damage to the participant’s or to any other person's computer which may be related to or resulting from any attempt to participate in the Sweepstakes or to download any materials from the Sweepstakes. If, for any reason, the Sweepstakes is not able to run through completion for reasons which may include, without limitation, infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes which may corrupt or affect the administration, security, fairness, integrity or proper conduct of this Sweepstakes, then the Sponsor reserves the right, in its sole discretion, to cancel, terminate, modify or suspend the Sweepstakes in whole or in part, without further liability to the entrants or third parties. In the event the Sweepstakes is cancelled, Sponsor reserves the right to conduct a random drawing to award prizes from among all eligible non-suspect entries received prior to the time of the action or event warranting such cancellation. With regard to this Sweepstakes, the Sponsor and/or Administrator will contact those entrants deemed as potential winners for purposes of clearance and awarding of any prize. The Official Rules prevail should there be any conflict or uncertainty relating to the promotion based on information or advice provided by any of the Released Entities (as defined below).

10) WINNER RELEASES: All Entrants, as a condition of entry into the Sweepstakes, agree to release Sponsor, Facebook, its directors, officers, employees, subsidiaries and affiliated companies, suppliers, printers, application developers, advertisers, promotion agencies (collectively the “Released Entities”) from and against any and all liability, loss, claims, demands or actions of any kind whatsoever for injuries, damages, costs, or losses to persons or property which may be sustained in connection with: (a) accessing the Sweepstakes page; (b) submitting an Entry or otherwise participating in any aspect of the Sweepstakes; (c) the acceptance, receipt, ownership, use or misuse of any prize awarded; (d) preparing for, participating in, or traveling to and/or from any prize-related activity; or (e) any typographical or other error in these Official Rules or the announcement of the offering of any prize.

11) PRIVACY: By entering the Promotion, you grant the Sponsor permission to use your personal information in accordance with the its privacy policy which can be found at https://americasaves.org/learn-more-about-us/privacy-policy and https://militarysaves.org/uncategorized/2-uncategorised/1490-privacy-policy-2. By participating in the Promotion, Entrants hereby acknowledge that they have read and accepted Sponsor’s privacy policy. Information collected from Entrants (such as name, postal address and email address) is used only for the purpose to notify the winner, and will not be re-used, sold or shared in any manner by Sponsor or any third parties unless Entrant has opted-in to receive additional information and marketing or promotional material from Sponsor or a third party. Unless prohibited by law, Entrants waive any rights of privacy, rights of publicity, intellectual property rights, and other rights that may preclude Sponsor from using or disclosing all or any part of your Entry in any manner and for any purpose.

12) DISPUTES: Any attempt by a person to use multiple e-mail accounts to enter more than once will result in disqualification. Entries will be deemed made by the authorized account holder of the e-mail address used at time of entry. In the event of a dispute over who submitted a winning entry, the authorized account holder of the email address attached to that winning entry will be declared the winner. “Authorized Account Holder” is defined as the natural person assigned to a user name/email address by an Internet access provider, on-line service provider or other organization responsible for assigning user names/email addresses for the domain associated with the user name/email address in question. Potential winners may be asked to provide Sponsor with satisfactory proof that he/she is the Authorized Account Holder of the email address associated with a potential winning entry. Entry generated by a script, macro or other automated means will be disqualified. Entries that are incomplete, illegible, or corrupted are void and will not be accepted.

13) GOVERNING LAW: The Sweepstakes is governed by the laws of the United States. All federal, state and local laws and regulations apply. The construction, validity and interpretation of the Promotion shall be governed by the laws of the District of Columbia, without giving effect to any choice of law or conflict of law rules. All disputes, claims and causes of action arising out of or related to the Sweepstakes shall be resolved in the applicable court within the District of Columbia.

14) WINNERS LIST: To receive a copy of the Winners List, available after July 30, 2021, send an email with subject line: "Buying Your First Home" Winner’s List to winnerslist@mardenkane.com. All such requests must be received by August 30, 2021. The winners list will only be available after the Prize winners have been verified.

15) SPONSOR/ADMINISTRATOR: Sponsor: Consumer Federation of America, Attention America Saves, 1620 Eye Street, NW, Suite 200, Washington, DC 20006. Administrator: Marden-Kane, Inc., 575 Underhill Blvd., Suite 222, Syosset, NY 11791.