legal

Stage My Place: Official Rules

Bankrate.com
Stage My Place Sweepstakes
Official Rules
No Purchase Necessary to Enter or Win

Open Only to Legal United States Residents

Void in Rhode Island, Puerto Rico and Where Prohibited by Law

PRIZE: Subject to the provisions of these Official Rules, during the Promotion Period (as defined below) of the "Bankrate.com Stage My Place Sweepstakes" (the "Promotion"), Bankrate, Inc. ("Bankrate") will award ten (10) $100 Pottery Barn gift cards (collectively, the "Prize") to one (1) winner (the "Winner"). THE TOTAL MAXIMUM VALUE OF THE PRIZE WILL BE $1,000.

ENTRY PERIOD: The Promotion begins at 9:00 a.m. Eastern Daylight Time on April 10, 2014, and ends at 11:59 p.m. Eastern Daylight Time on April 24, 2014 (the "Promotion Period").

HOW TO ENTER: Subject to the "Conditions of Entry" below, there are two (2) ways to enter the Promotion. You may enter the Promotion by following the instructions posted to [http://www.bankrate.com/financing/mortgages/win-free-stuff-to-stage-your-house](the "Promotion Website") to do one or more of the things set forth in Item 1 below during the Promotion Period. You may also enter the Promotion by mail, during the Promotion Period, by following the instructions set forth in Item 2 below.

  • Enter Online:
    You may enter the Promotion online by following the instructions posted to the Promotion Website to do one or more of the following things during the Promotion Period:
    1. Download the Bankrate Mortgage App in iTunes. If you do this, you will receive ten (10) chances to win. You may only enter once using this entry method.
    2. Download the Bankrate Mortgage App in Google Play. If you do this, you will receive ten (10) chances to win. You may only enter once using this entry method.
    3. Share this Promotion on Facebook. Each time you do this, you will receive one (1) chance to win. You may only enter once per day using this entry method.
    4. Tweet this Promotion. Each time you do this, you will receive one (1) chance to win. You may only enter once per day using this entry method.
    5. Pin this Promotion on Pinterest. Each time you do this, you will receive one (1) chance to win. You may only enter once per day using this entry method.
    Please note that each entry must be recorded, using the Rafflecopter widget, by following the instructions posted to the Promotion Website.
  • If you need an email account, free email services are available, such as at gmail.com and hotmail.com. If you need Internet access, visit your local library, or you can obtain free Internet access through a provider such as NetZero.
  • Enter by Mail:You may also enter the Promotion by mail by doing the following: in a letter, legibly handprint or type your name, complete street address, city, state, ZIP code, daytime telephone number, age and email address and mail the postcard to: Bankrate, Inc., Bankrate.com Stage My Place Sweepstakes, 11760 U.S. Highway 1, North Palm Beach, Florida 33408. Each entrant may mail up to fifteen (15) mailed entries. The first entry mailed by each such entrant will provide such entrant with twenty-three (23) chances to win. Each subsequent entry mailed by each such entrant will provide such entrant with three (3) chances to win. Entries become the property of Bankrate and will not be returned. Illegible and incomplete entries are void. Bankrate is not responsible for lost, late, mutilated, postage due, misdirected entries or entries not received. For the avoidance of doubt, all mailed entries must be received by Bankrate prior to the end of the Promotion Period.

CONDITIONS OF ENTRY: No purchase is necessary to enter the Promotion or to win the Prize. The Promotion is open only to natural persons who (i) are legal United States residents (except for residents of Rhode Island, Puerto Rico or any other jurisdiction in which such natural person would be prohibited by law from entering the Promotion), (ii) are eighteen (18) years of age or older or have reached the age required by their state or territory of residence to be reached in order to enter a sweepstakes, if such age is greater than eighteen (18) years of age and (iii) have agreed to these Official Rules. Employees and/or agents of Bankrate (and/or its affiliates, subsidiaries and/or divisions) and of agents of Bankrate (and/or their respective affiliates, subsidiaries and/or divisions) and their respective affiliates, parent organizations, subsidiaries, divisions, trade partners, advertising and promotion agencies and associated marketing firms and other vendors, and the respective immediate families of such employees, including, without limitation, household members of such employees, are not eligible to participate in the Promotion. Bankrate reserves the right to verify eligibility qualifications of the Winner.

Any use of robotic, mechanical, automatic, programmed or like methods of participation will void each entry made by such methods. Notwithstanding anything to the contrary in these Official Rules, each person may enter the Promotion using each method set forth in the "How to Enter" section of these Official Rules as many times as are permitted, with respect to each such method, in accordance with the "How to Enter" section of these Official Rules. Any attempted form of entry into the Promotion other than as described in these Official Rules, and any incomplete entry, is void. Entries that are in violation of these Official Rules will be disqualified. Should Bankrate suspect or determine actual or attempted (i) fraud, tampering, or impairment or disruption of the administration, security, fairness or proper play of the Promotion, or (ii) violation of these Official Rules, Bankrate reserves the right, in its sole discretion, to void any and all entries of an entrant, or suspend or prohibit the participation of any person, who Bankrate determines, in its sole discretion, is responsible or otherwise involved with such acts.

ANY ATTEMPT BY ANY INDIVIDUAL(S) TO DELIBERATELY DAMAGE ANY WEBSITE AND/OR DAMAGE AND/OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION IS A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, BANKRATE RESERVES THE RIGHT TO COOPERATE IN THE PROSECUTION OF ANY SUCH INDIVIDUAL(S) AND/OR TO SEEK DAMAGES FROM ANY SUCH INDIVIDUAL(S) TO THE FULLEST EXTENT OF THE LAW.

ODDS OF WINNING: Odds of winning will vary depending on the number of eligible entries received.

CONSENT TO PUBLICITY AND USE: Except where prohibited by law, each entrant, by acceptance of the Prize, grants to Bankrate and its subsidiaries, affiliates and assigns the absolute and worldwide right, license and permission and consent to use, in any manner or media whatsoever, such entrant's name, voice, photograph (including on Web pages maintained by Bankrate and/or any of its subsidiaries and/or affiliates), biographical information (including, without limitation, hometown and state), email address and/or likeness for any promotional and/or publicity purposes.

SELECTION AND NOTIFICATION OF THE WINNER: Subject to these Official Rules, the winning entry will be selected at random, on or around April 25, 2014, from among all entries received by Bankrate during the Promotion Period and submitted in accordance with these Official Rules, including, without limitation, the "How to Enter" section of these Official Rules. The Winner will be the entrant who submitted the winning entry.

THE WINNER WILL NOT BE REQUIRED TO BE PRESENT AT THE TIME OF THE SELECTION DRAWING.

On or about forty-eight (48) hours after the determination of the Winner, the Winner will be notified by email or telephone. The Winner must claim the Prize within ten (10) business days after the date of Bankrate's first notification attempt, which shall be the first date notification is sent if by email or the first date a call is placed to the Winner, if by telephone. The Winner must claim the Prize in the manner indicated in Bankrate's notification of the Winner. For the avoidance of doubt, the Winner must continue to comply with these Official Rules.

If the Winner fails to claim the Prize within the ten (10) business day period of time, is found to be ineligible, fails to comply with these Official Rules or fails to meet the requirements of these Official Rules, the Winner will be disqualified and an alternate Winner, selected randomly from the remaining eligible entries, will be contacted. Bankrate's decisions with respect to the Winner and other matters pertaining to the Promotion shall be final.

REQUIREMENTS OF THE WINNER: The Winner will be required to sign an Affidavit of Eligibility and Release of Liability for Participation, Publicity and Use (an "Affidavit") as a part of determining the Winner's eligibility to win the Prize and, prior to, and as a condition of, the Winner's acceptance and use of the Prize. If the Winner's Affidavit and all other documents required by Bankrate, in its sole discretion, are not completed as specified, are not received by Bankrate within ten (10) business days of Bankrate's notification of the Winner, or if, after Bankrate's receipt of an Affidavit from the Winner, the Winner is found to be an ineligible entrant, the Winner's entry will be disqualified and an alternative potential Winner, randomly selected from the remaining eligible entries from among all remaining eligible entries, will be contacted.

TO RECEIVE THE WINNER'S NAME OR OFFICIAL RULES: To request the name of the Winner or a copy of these Official Rules, mail your request, along with a self-addressed stamped envelope (residents of Washington state and Vermont need not include postage) to: Bankrate, Inc., Bankrate.com Stage My Place Sweepstakes, Attention: Janet Reusch, 11760 U.S. Highway 1, North Palm Beach, Florida 33408. Please specify whether you are requesting the name of the Winner or a copy of the Official Rules. Requests for the name of the Winner must be received by Bankrate at the address above during the time period that begins on the tenth (10th) business day following the end of the Promotion Period and ends of the twentieth (20th) business day following the end of the Promotion Period. Requests for a copy of these Official Rules received more than ninety (90) days after the end of the Promotion Period will not be honored.

SPONSOR: Bankrate is the sponsor of the Promotion.

  • NONE OF APPLE, FACEBOOK, GOOGLE, PINTEREST NOR TWITTER IS A SPONSOR: The Promotion is in no way sponsored by, endorsed by, administered by or associated with Apple Inc. ("Apple"), Facebook Inc. ("Facebook"), Google Inc. ("Google"), Pinterest Inc. ("Pinterest") or Twitter Inc. ("Twitter").
  • GENERAL PROVISIONS: Florida law governs the Promotion. Void where prohibited. Bankrate reserves the right to cancel or modify the Promotion if fraud, misconduct or technical failure, or any other factor beyond Bankrate's reasonable control impairs the integrity of the Promotion, as determined by Bankrate, in its sole discretion, or if a computer virus, bug or other technical problem corrupts the administration or security of the Promotion as determined by Bankrate, in its sole discretion. In the event that Bankrate cancels or modifies the Promotion, Bankrate will post to [http://www.bankrate.com/financing/mortgages/win-free-stuff-to-stage-your-house] notice that the Promotion has been canceled or modified. In such event, Bankrate reserves the right to award the Prize at random from among any eligible entries received up to the time of the impairment or in any other method selected by Bankrate, in its sole discretion. Bankrate reserves the right in, its sole discretion, to change the dates of the Promotion Period, with or without notice, in the event of technical failure, or for any other reason. THE WINNER IS SUBJECT TO VERIFICATION BY BANKRATE. BANKRATE'S DECISION IS FINAL AND BINDING IN ALL MATTERS RELATED TO THE PROMOTION. AN ENTRANT IS NOT THE WINNER UNLESS AND UNTIL THAT ENTRANT'S ELIGIBILITY HAS BEEN VERIFIED AND ENTRANT HAS BEEN NOTIFIED THAT VERIFICATION IS COMPLETE. Bankrate's failure to enforce any term of these Official Rules shall not constitute a waiver of Bankrate's ability to enforce its rights. Any taxes due on the Prize will be the sole responsibility of the Winner. The Prize is nontransferable, except in accordance with the laws of descent and distribution, and may not be substituted or redeemed for cash, except by Bankrate, which reserves the right to substitute, in the place of the Prize, another prize of comparable or greater value. Neither Bankrate nor any subsidiary or affiliate of Bankrate will enter into correspondence, including email, regarding the Promotion. The invalidity or unenforceability of any provision of these Official Rules shall not affect the validity or enforceability of any other provision of these Official Rules. In the event that any provision of these Official Rules is determined to be invalid or otherwise unenforceable or illegal, these Official Rules shall otherwise remain in effect and be construed in accordance with their terms as if the invalid or illegal provision were not contained within these Official Rules. The names of individuals, groups, companies, products and services mentioned in these Official Rules or in or on any promotional materials (including, without limitation, any website) with respect to the Promotion, and any corresponding likenesses, logos and images thereof reproduced in these Official Rules or in or on any such promotional materials, have been used for identification purposes only and may be the copyrighted properties and trademarks of their respective owners. The mention of any individual, group or company or the inclusion of a product or service as the Prize, does not imply any association with or endorsement by such individual, group or company or the manufacturer or distributor of such product or service and, except as otherwise indicated, no association or endorsement is intended or should be inferred.
  • All expenses not specifically identified as being included in the Prize are the sole responsibility of the Winner. All taxes, fees and surcharges related to the Prize, if any, are the sole responsibility of the Winner. The Prize shall not be used in connection with any other promotion or offer.

DISPUTES; LIMITATIONS OF LIABILITY: Each entrant agrees that: (i) any and all disputes, claims and causes of action arising out of or connected with the Promotion shall be resolved individually, without resort to any form of class action, and exclusively by the Federal or Florida state courts of record in Palm Beach County, Florida, (ii) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering the Promotion, but in no event shall such costs include attorneys' fees and (iii) under no circumstances will an entrant be permitted to obtain awards for, and, by entering the Promotion, each entrant waives all rights to claim, punitive, indirect, special, incidental and consequential damages and any other damages (other than for actual out-of-pocket expenses described in subsection (ii), above) and any and all rights to have damages multiplied or otherwise increased. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE APPLICABLE LANGUAGE IN CLAUSE III OF THE IMMEDIATELY FOREGOING SENTENCE MAY NOT APPLY. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules and/or the rights and obligations of the entrant and Bankrate in connection with the Promotion, shall be governed by, and construed in accordance with, the laws of the State of Florida, without giving effect to any choice of law or conflict of law rules (whether of the State of Florida or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Florida. All Florida state and local laws and regulations apply.

INDEMNIFICATION AND RELEASE: Each entrant agrees to defend, indemnify and hold Bankrate, Apple, Facebook, Google, Pinterest, Twitter and their respective subsidiaries, affiliates and divisions and their respective representatives, attorneys, assigns, agents and licensees and their respective affiliates, equity holders, officers, directors, managers, agents, co-branders, associated marketing firms, advertisers and sponsors or other partners and any of their employees (each, including, without limitation Bankrate, Apple, Facebook, Google, Pinterest and Twitter, a "Released and Indemnified Party," and collectively, including, without limitation, Bankrate, Apple, Facebook, Google, Pinterest and Twitter, the "Released and Indemnified Parties"), harmless from and against any and all rights, demands, losses, injuries, liabilities, damages, claims, causes of action, actions and suits of any kind whatsoever (no matter whether at law or equity), fees, costs and attorneys' fees (including appellate level) whatsoever (each, a "Claim," collectively, "Claims"), brought or asserted by any party against any of the Released and Indemnified Parties arising out of or in connection, directly or indirectly, with the entrant's entry in the Promotion, participation in the Promotion, the Promotion, the Prize and/or use or misuse of the Prize.

BY ENTERING THE PROMOTION, EACH ENTRANT AGREES TO RELEASE, DISCHARGE AND HOLD HARMLESS EACH RELEASED AND INDEMNIFIED PARTY FROM AND AGAINST ALL CLAIMS ARISING OUT OF OR IN CONNECTION WITH, INDIRECTLY OR DIRECTLY: (I) ENTRY OR PARTICIPATION IN THE PROMOTION AND/OR (II) ACCEPTANCE, USE, OR MISUSE OF THE PRIZE.

ADDITIONAL LIMITATIONS OF LIABILITY: Bankrate is not responsible for: (i) electronic, human, United States Postal Service, equipment programming or other errors, omissions, interruptions, defects or delays which may occur in the administration of the Promotion or the processing of any entry, the Prize, in the Official Rules, or in any other materials related to the Promotion, (ii) technical failures of any kind, including but not limited to, the malfunctioning of any electronic equipment, computer, Internet, website, network, hardware or software, a computer virus, bug or other technical problem, (iii) unauthorized human intervention in any part of the entry process or the Promotion, (iv) any entrant's conduct in connection with the Promotion, (v) any printing, typographical, technical errors in any materials associated with the Promotion or the Prize, (vi) incorrect, inaccurate, late, lost, stolen, illegible, incomplete, or misdirected entries, or entries received through impermissible or illegitimate channels, or (vii) any death, injury or damage to persons or property, which may be caused, directly or indirectly, in whole or in part, from an entrant's entry or participation in the Promotion or use or misuse of the Prize.

PRIVACY NOTICE: Entrants should read the "Privacy Policy" located at http://www.bankrate.com/Coinfo/privacy.asp (the "Bankrate Privacy Policy"). Information collected from entrants by Bankrate is subject to Bankrate Privacy Policy. For the avoidance of doubt, all information provided by entrants to Bankrate in connection with each such entrant's participation in the Promotion is being provided to Bankrate and not to Apple, Facebook, Google, Pinterest or Twitter.

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