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Financial Horror Story contest rules

No Purchase Necessary
This contest is open only to legal United States residents (except Arizona)
United States law governs this contest

ELIGIBILITY: United States law governs this contest. This contest is open only to legal residents of the United States (except Arizona), 18 years of age or older at time of entry. Employees and their immediate families, including household members, of Bankrate, Inc., ("Bankrate, Inc.") its affiliates, subsidiaries, divisions, advertising and promotion agencies are not eligible. This contest is subject to all federal, state and local laws of the United States. Void in Arizona and where prohibited. Winners agree that Bankrate, Inc., its affiliates and their agencies and employees shall not be liable for injury, loss or damage of any kind resulting from participating in this promotion or from the acceptance or use of any prize awarded. Bankrate, Inc. reserves the right to verify eligibility qualifications of any Winner. Bankrate, Inc. will not enter into correspondence, including e-mail.

HOW TO ENTER: Beginning September 1, 2010 and ending October 28, 2010, Bankrate, Inc. will conduct a national contest whereby one winner will receive $100 for submitting a "Financial Horror Story" describing the winner's difficulty dealing with a money-handling organization.

You can enter this contest either online or by regular mail. There are no restrictions on the number of entries submitted per person or per household, but multiple submissions must contain different Financial Horror Stories. Financial Horror Stories must be submitted to Bankrate by October 20, 2010.

Mail-In Entry: To enter the contest via mail, mail your name, address, daytime telephone number, age and e-mail address (if any) to: Bankrate.com Frugal Contest, 11811 U.S. Highway One, N. Palm Beach, FL 33408.

Online Entry: To enter the contest online, click here: Financial Horror Story contest.

An eligible entrant may use either entry method.

CONDITIONS OF ENTRY: Eligible entrants must enter via either the mail-in or online methods as described above. Incomplete entries are void. By entering, entrants acknowledge compliance with these Official Rules, including all eligibility requirements. All entries become the property of Bankrate, Inc. Bankrate reserves the right to edit any Financial Horror Story for style and grammar and will conceal the name of any institutions mentioned in the story. Neither Bankrate, Inc. nor its affiliates, subsidiaries, divisions, advertising and promotion agencies, or any telephone network or service providers are responsible for incorrect or inaccurate transcription of entry information, or for any human error, technical malfunctions, lost/delayed data transmission, omission, interruption, deletion, defect, line failures of any telephone network, computer equipment, software, inability to access any Web site or online service, or any other error or malfunction, or late, lost, postage due, illegible, or misdirected entries. Entry materials that have been tampered with or altered are void.

HOW TO WIN: Bankrate, Inc. representatives will choose a list of finalists from among all the Financial Horror Stories submitted. Bankrate representatives will choose finalists based on the most shocking, unusual, interesting and creative submissions. Bankrate will announce the finalists on October 25, 2010 on Bankrate.com and Facebook.com/Bankrate. Bankrate will notify the finalists by email. The list of submissions will then be posted on Bankrate.com and at Facebook.com/Bankrate and Bankrate.com readers will be asked to rate each submission based on the degree to which they find the submission shocking, unusual, interesting or creative. The reader who has submitted the submission that receives the highest ranking will receive the $100 prize. In the event of a tie, a Bankrate representative will choose the winning submission from the top two entries. The highest ranking submission will be determined by the most “likes” on the Facebook post that links to the Financial Horror Story submission at Bankrate.com by October 28, 2010 at 12:00 noon Eastern Standard Time. Bankrate will supply finalists with tips for receiving higher rankings at Facebook.com/Bankrate. Limit one (1) $100 prize per contest.

The winner's name will be posted on Bankrate.com, Facebook.com/Bankrate and at Twitter.com/Bankrate.

The decision of the designated representative of Bankrate, Inc. shall be final and binding. The odds of winning will be determined by the number of eligible entries received. The Winner must meet all eligibility requirements including the execution and return of all necessary releases and the required Affidavit of Eligibility and Release of Liability for Participation and Publicity.

VALUE OF PRIZE: Maximum value of each Prize: $100. No substitution or transfer of prizes is permitted. Prizes are non-transferable.

WINNER: The Winner will be notified via e-mail on or around October 29, 2010. The $100 Prize must be claimed within 3 weeks, or the 2nd highest-ranked submission will be chosen as the winner.

Bankrate, Inc. will issue a check to the Winner within eight (8) weeks of receipt of executed receipts, and signed releases.

Each Winner will be required to sign an Affidavit of Eligibility and Release of Liability for Participation and Publicity prior to and as condition of acceptance of the Grand Prize. Failure to return documents as specified, or if the prize notification is returned as undeliverable will result in the entry being disqualified and the 2nd highest-ranked submission selected as the winner.

By entry into this contest, the Winner consents to the use of his/her name, identity, and/or photograph for promotional purposes, including online announcements, without additional compensation, except where prohibited by law. Failure to consent to the usage of name and photograph will result in the entry being disqualified and the 2nd highest-ranked submission selected as the winner.

GRAND PRIZE WINNER NAME OR OFFICIAL RULES: For the winners name, or a copy of these Official Rules, mail a self-addressed stamped envelope (residents of Washington state and Vermont need not include return postage) to Bankrate.com Financial Horror Story Contest, 11811 U.S. Highway One, N. Palm Beach, FL 33408. Please specify whether you are requesting the name of the Winner or the Official Rules.

TAMPERING: If, in the opinion of the designated representative of Bankrate, Inc. there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the contest, or if technical difficulties compromise the integrity of the contest, Bankrate, Inc. reserves the right to terminate the online portion of the contest and choose a winning submission from among all mail-in and online entries received as of the termination date. If the contest is terminated prior to the end of the stated Entry Period, notice will be posted at Bankrate.com. Any attempt to deliberately damage the content or operation of this contest is unlawful and subject to legal action by Bankrate, Inc. or its agents.

PRIVACY NOTICE: Entrants should read the "Privacy Statement."

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