Bankrate.com

#finspired Money Makeover Contest

Official Rules

NO PURCHASE NECESSARY TO ENTER OR WIN

Open Only to Legal United States Residents

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

PRIZES: Subject to the provisions of these Official Rules, during the Promotion Period (as defined below) of the “Bankrate.com #finspired Money Makeover Contest” (the “Promotion“), Bankrate, Inc. (“Bankrate“) will award one (1) Prize (as defined below) to each of six (6) winners (each a “Winner“). Each of the following six (6) prizes is sometimes referred to in these Official Rules as a “Prize” and all such Prizes are sometimes referred to in these Official Rules as, collectively, the “Prizes“: (a) each of two (2) “Grand Prizes” will consist of $10,000 and participation in the Money Makeover Program (as defined below) and (b) each of four (4) “Second Prizes” will consist of $1,000. THE TOTAL MAXIMUM VALUE AGGREGATE VALUE OF THE PRIZES WILL BE $24,000.

PROMOTION PERIOD: The Promotion begins at 9:00 a.m. Eastern Daylight Time on June 12, 2015, and ends at 11:59 p.m. Eastern Daylight Time on August 13, 2015 (the “Promotion Period“).

HOW TO ENTER: You may enter the Promotion by, during the Promotion Period, following the instructions posted to http://www.bankrate.com/sweeps/finspired/ (the “Promotion Website“) to, among other things, do the following things:

  1. Submit an original photograph representing your dream or goal, or a person, people, or passions that inspire you to pursue financial and/or life goals (your “Entry Piece”) on any of Twitter, Instagram, Tumblr, or Vine using the hashtag “#finspired,” or directly upload your Entry Piece to the Promotion Website. Without limiting the generality of anything else in this paragraph, your Entry (as defined below) must be original and created by you. In your Entry Piece, you must demonstrate what inspires you to save money, or depict a life dream or goal that requires a financial plan to achieve. Your Entry Piece must be an original photograph of you, taken for the sole purpose of entering the Promotion. Your Entry Piece must be submitted in a JPG/JPEG or PNG image format, with a maximum five (5) megabyte file size. The recommended upload size is 1600 x 1200, 1280 x 960, or 640 x 640. Your Entry Piece may only be altered digitally through the use of filters (such as Instagram’s filters), contrast, brightness, cropping, and other similar tools and settings that affect the look of the image as a whole, and may not be altered digitally in any other manner. Notwithstanding anything to the contrary in the immediately foregoing sentence, your Entry Piece may only be cropped around the edges, and may not be edited to remove any particular person or object or other thing within your Entry Piece, except as is naturally removed when cropping the borders of the image. Your Entry Piece may also not be altered to add any images, objects, persons, text or other item. By way of example only, if you would like to depict yourself as a baseball player with a baseball bat in hand, you should take a photograph while holding a baseball bat; you may not digitally or otherwise alter the image to add a baseball bat to the image.
  2. After submitting your Entry Piece, you will receive a private message from Bankrate or from a partner company on behalf of Bankrate through the medium from which you entered the Promotion (by way of example only, if you entered the Promotion by submitting your Entry Piece on Twitter by using the hashtag #finspired, then you will receive a “reply tweet” on Twitter) or by email if you entered by directly uploading your Entry Piece on the Promotion Website. Please be sure to check your spam message folder, as the message may be filtered there. The message will contain directions on how to finalize your entry process and claim your submission, including information fields that you must complete in order for your Entry (as defined below) to be considered. Such information fields may include, without limitation, your (a) name, (b) birthdate, (c) daytime phone number, (d) email address, (e) complete street address, (f) city, (g) state, (h) ZIP code, (i) household income (selected from the following options): (i) below $30,000, (ii) $30,000 to $49,999, (iii) $50,000 to $74,999 or (iv) $75,000 or more, (j) primary financial goal, or area of focus with your money (selected from the following options): (i) saving for retirement, (ii) saving an emergency fund, (iii) paying down debt, paying off student loans, (iv) saving for a house or (v) other responses to a brief survey and (k) a Brief Essay (as defined below). One information field will be a “Brief Essay,” in which you must provide details, in 400 characters or less, of your life / financial goal, what inspires you and how you would use a $10,000 money makeover to reach or accomplish that dream or goal. Your Brief Essay will be judged along with your Entry Piece. Your Entry Piece, your Brief Essay and all other information submitted by you in accordance with this paragraph are sometimes referred to in these Official Rules as your “Entry.” All such information fields (including, without limitation, your Brief Essay) must be completed in English, and must have correct spelling and be grammatically correct.

All content contained in your Entry must, in the sole discretion of Bankrate, be suitable for a general and/or family audience and must not contain any nudity or any sexually explicit, disparaging, libelous, hateful, violent, racist or other inappropriate content. Bankrate may determine, in its sole discretion, whether or not any such content complies with this paragraph. Your complete and overall Entry must be original and your own work, and must have been created for the purpose of your entering the Promotion. By way of example only, and without limiting the generality of the immediately foregoing sentence, you may not submit a company advertisement, a photograph you found online or a stock photograph as your Entry Piece. Submission of an Entry that is not your own original work may result in disqualification. A professional portrait, including, but not limited to, a high school senior yearbook photograph, will not be accepted as part of an Entry. Your Entry must be completely legible. Bankrate reserves the right to reject any Entry that it deems, in its sole discretion, to violate these Official Rules (including, without limitation, this paragraph), in which case any such Entry may not be posted online and may be deleted without any notification.

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.

CONDITIONS OF ENTRY: No purchase is necessary to enter the Promotion or to win any Prize. The Promotion is open only to natural persons who (a) are legal United States residents (except for residents of Rhode Island, Puerto Rico or any other jurisdiction in which any such natural person would be prohibited by law from entering the Promotion), (b) are 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 18 years of age and (c) 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), Synchrony Bank, a federal savings bank (“Synchrony Bank“), Synchrony Financial or any of 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 employees and other persons referenced in the foregoing in this paragraph, including, without limitation, household members, are not eligible to participate in the Promotion. Bankrate reserves the right to verify eligibility qualifications of each Winner.

Any use of robotic, mechanical, automatic, programmed or like methods of participation will void each entry made by such methods. Each person may enter the Promotion only once and each entrant shall only be eligible to win one (1) Prize. For the avoidance of doubt, and without limiting the generality of the immediately foregoing sentence, each person may only submit one (1) Entry, and only once, through only one (1) of the methods. In the event that a person attempts to submit multiple entries, all of that person’s entries will be deemed void. Bankrate will not verify receipt of entries. 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 (x) fraud, tampering, or impairment or disruption of the administration, security, fairness or proper play of the Promotion, or (y) 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 WEB SITE (INCLUDING, WITHOUT LIMITATION, THE PROMOTION WEB SITE) AND/OR DAMAGE AND/OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION IS A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD ANY 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, USE AND SKYPE INTERVIEW; MONEY MAKEOVER PROGRAM: Except where prohibited by law, each entrant, by acceptance of any Prize, grants Publicity Rights to Bankrate, Synchrony Bank, Synchrony Financial and their respective subsidiaries, affiliates and assigns. As used in the immediately foregoing sentence, “Publicity Rights” means, with respect to each entrant, the absolute and worldwide right, license and permission and consent to use, for any promotional and/or publicity purposes and in any manner or media whatsoever (including, without limitation, on the Promotion Web Site or on any other Web page maintained by Bankrate, Synchrony Bank, Synchrony Financial and/or any of their respective subsidiaries and/or affiliates), that entrant’s full legal name, voice, photograph, biographical information (including, without limitation, hometown and state), email address, likeness, financial scenario (as disclosed to Bankrate in connection with entering the Promotion or during any interview with Bankrate, Synchrony Bank, Synchrony Financial and/or any of their respective subsidiaries, affiliates, assigns and/or representatives (including, without limitation, during any interview (including, without limitation, any Skype interview)), including, without limitation, in connection with entrant’s participation (if any) in a program whereby Bankrate matches certain individuals with a financial advisor that will evaluate each such individuals’ financial situation and propose financial strategies and/or “financial fixes” with respect to such individuals (the “Money Makeover Program“)) and/or financial strategies (if any) and/or “financial fixes” (if any) proposed to such entrant in connection with such entrant’s participation in the Money Makeover Program (if any). Without limiting the generality of the immediately foregoing sentence, “Publicity Rights” shall also include, without limitation, the right of Bankrate, Synchrony Bank, Synchrony Financial and/or any of their respective subsidiaries, affiliates, assigns and/or representatives to conduct an interview, including, without limitation, by means of Skype, with each Finalist (as defined below) and/or Grand Prize Winner and to rebroadcast and/or otherwise publish or use (including, without limitation, on YouTube or Vimeo), for any promotional and/or publicity purposes and in any manner or media whatsoever (including, without limitation, on the Promotion Web Site or on any other Web page maintained by Bankrate, Synchrony Bank, Synchrony Financial and/or any of their respective subsidiaries, affiliates, assigns and/or representatives), any such interview. Without limiting the generality of the foregoing in this paragraph, such entrant waives and assigns to Bankrate any and all rights, title and interest, including, without limitation, copyrights or other ownership rights, that such entrant may have in or to any photographs, materials, or other information created or developed in connection with the Money Makeover Program.

Each such interview (including, without limitation, each such Skype interview) will be the property of Bankrate and, by entering the Promotion, each entrant consents to engaging in such interview (including, without limitation, such Skype interview) and disclaims any right (including, without limitation, any right to publish any such interview (including, without limitation, any such Skype interview), title and interest in and to each such interview (including, without limitation, such Skype interview). Bankrate has the exclusive right to publish all such interviews (including, without limitation, such Skype interviews), in whole or in part, throughout the world, in any manner and/or by means of any media whatsoever and/or to allow any other person or entity (including, without limitation, Synchrony Bank and/or Synchrony Financial) to so publish any such interview.

Without limiting the generality of anything else in this Affidavit, each entrant acknowledges and agrees that, (x) by entering the Promotion, such entrant is requesting that Bankrate select such entrant to participate in the Money Makeover Program and (y) by entering the Promotion, each entrant, for good and valuable consideration, acknowledges and agrees as follows:

  1. If chosen as a Winner, such entrant will participate in the Money Makeover Program if Bankrate, in its sole discretion, desires for such entrant to do so.
  2. If chosen as a Winner and if Bankrate, in its sole discretion, desires for such entrant to participate in the Money Makeover Program, such entrant will: (a) submit to any financial advisor all information about such entrant and such entrant’s financial situation necessary to evaluate such entrant’s financial situation, which information shall be true and not misleading; (b) update any information that such entrant knows has changed or could be misleading; and (c) use such entrant’s best efforts to participate, in good faith, in the Money Makeover Program and in other events necessary to promote and develop the Money Makeover Program, including, without limitation, a photo shoot, if and as required by Bankrate.
  3. Such entrant acknowledges and agrees that no information such entrant receives in connection with the Money Makeover Program shall be construed as legal, tax, or investment advice. Such entrant acknowledges and agrees that Bankrate has strongly encouraged such entrant to obtain the advice of such entrant’s legal, tax, investment and other advisors before implementing any financial plan or strategy.
  4. SUCH ENTRANT ACKNOWLEDGES AND AGREES THAT ALL INFORMATION SUBMITTED BY SUCH ENTRANT TO BANKRATE OR TO ANY THIRD PARTY (INCLUDING ANY FINANCIAL ADVISOR) WILL BE AT SUCH ENTRANT’S OWN RISK AND THAT NONE OF BANKRATE, SYNCHRONY BANK, SYNCHRONY FINANCIAL AND/OR ANY OF THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, ASSIGNS OR REPRESENTATIVES WILL IN ANY EVENT BE LIABLE TO SUCH ENTRANT FOR ANY DAMAGES OF ANY KIND.

SELECTION AND NOTIFICATION OF THE WINNERS: Subject to these Official Rules, six (6) finalists (collectively, the “Finalists”) will be selected by a panel of judges (which panel will consist of one or more judges and which judge(s) will be selected by Bankrate in its sole discretion). Each Finalist will be selected (as further provided below) during the time period beginning on August 13, 2015 and continuing through December 15, 2015 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. For the avoidance of doubt, the selection of the Finalists will be staggered in a manner determined by Bankrate in its sole discretion, and nothing in these Official Rules will require Bankrate to select the Finalists in any particular order. The six (6) Finalists will be the six (6) entrants who, in the sole discretion of such panel of judges, have submitted the Entries that exhibit the most ambition, creativity, dedication, originality and uniqueness and whose Entries best demonstrate that such entrants are “goal-oriented” persons and are dedicated to achieving their dreams. Notwithstanding anything to the contrary in these Official Rules, Bankrate shall not be obligated to select all six (6) finalists at the same time.

Within ten (10) days following the selection of each Finalist, Bankrate will contact such Finalist by phone or email and propose a time for an interview between a panel of judges (which panel will consist of one or more judge(s) and which judge(s) will be selected by Bankrate in its sole discretion) and such Finalist. Such panel of judges will select two (2) such Finalists as Grand Prize Winners. The two (2) Grand Prize Winners shall be the Finalists who, in the sole discretion of such panel of judges, has submitted the most creative and/or interesting plan for a “money makeover.” The four (4) Finalists who are not Grand Prize Winners will be the Second Prize Winners. If any Finalist is not available for any such interview at a time selected by Bankrate, then Bankrate may cause an alternative Finalist to be selected by a panel of judges in accordance with the immediately foregoing paragraph and such previously selected Finalist shall no longer be a Finalist.

NO WINNER WILL BE REQUIRED TO BE PRESENT AT THE TIME OF HIS OR HER SELECTION.

The Winners will be notified by email or telephone and publicly announced as follows: (a) the first Grand Prize Winner will be announced on or around September 30, 2015, (b) the second Grand Prize Winner will be announced on or around December 30, 2015 and (c) the Second Prize Winners will be announced on or around December 30, 2015. Nothing in these Official Rules shall require Bankrate to select or announce, in any particular order, any persons who become Winners. Each Winner must claim his or her 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 that Winner, if by telephone. Each Winner must claim his or her Prize in the manner indicated in Bankrate’s notification of that Winner. For the avoidance of doubt, each Winner must continue to comply with these Official Rules.

If any Winner fails to claim his or her 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, such Winner will be disqualified and an alternate Winner, selected randomly from the remaining eligible entries, will be contacted. Bankrate’s decisions with respect to each Winner and other matters pertaining to the Promotion shall be final.

Bankrate’s decisions with respect to each Winner and other matters pertaining to the Promotion shall be final.

REQUIREMENTS OF THE WINNERS: Each 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 that Winner’s eligibility to win his or her Prize and, prior to, and as a condition of, that Winner’s acceptance and use of his or her Prize. If a 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 notification, or, after Bankrate’s receipt of the Affidavit from that Winner, that Winner is found to be an ineligible entrant, that Winner’s entry will be disqualified and an alternate potential Winner will be selected by a panel of judges (which panel will consist of one or more judge(s) and which judge(s) will be selected by Bankrate in its sole discretion).

TO RECEIVE WINNERS’ NAMES OR OFFICIAL RULES: To request the names of the Winners with respect to the Promotion 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.com #finspired Money Makeover Contest, c/o Bankrate, Inc., Attention: Janet Reusch, 11760 U.S. Highway 1, North Palm Beach, Florida 33408. Please specify whether you are requesting the names of Winner(s) or a copy of the Official Rules. Requests for the name(s) of the Winners must be received by Bankrate at the address above from the tenth (10th) business day following the end of the Promotion Period through the twentieth (20th) business day following the end of the Promotion Period. Requests for a copy of these Official Rules received more than 90 (ninety) days after the end of the Promotion Period will not be honored.

SPONSOR: Bankrate is the sponsor of the Promotion.

NONE OF FACEBOOK, LINKEDIN, TWITTER, GOOGLE, YOUTUBE, VIMEO NOR SKYPE IS A SPONSOR: The Promotion is in no way sponsored by, endorsed by, administered by or associated with Facebook Inc. (“Facebook“), LinkedIn Corporation (“LinkedIn“), Twitter, Inc. (“Twitter“), Google Inc. (“Google“), YouTube, LLC (“YouTube“), Vimeo, LLC (“Vimeo“) or Skype.

GENERAL CONDITIONS: 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 the Promotion Web Site notice that the Promotion has been cancelled or modified. In such event, Bankrate reserves the right to award the Prizes 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. EACH 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 A WINNER UNLESS AND UNTIL ENTRANT’S ELIGIBILITY HAS BEEN VERIFIED AND ENTRANT HAS BEEN NOTIFIED THAT VERIFICATION IS COMPLETE. Any attempt by any person to deliberately damage or undermine the legitimate operation of the Promotion may be a violation of criminal and/or civil laws. 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 a Prize won will be the sole responsibility of the Winner of that Prize. Each Prize is non-transferable, 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, in its sole discretion, to substitute each Prize with 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.

Expenses not specifically stated as part of a Prize and all expenses not specifically identified as being included in a Prize, are the sole responsibility of the Winner of that Prize. All taxes, fees and surcharges related to a Prize, if any, are the sole responsibility of the Winner of that Prize. No Prize shall be used in connection with any other promotion or offer.

DISPUTES: Each entrant agrees that: (a) 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, (b) 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 (c) under no circumstances will an entrant be permitted to obtain awards for, and, by entering the Promotion, 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 (b), 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 ABOVE 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, Synchrony Bank, Synchrony Financial, Facebook, LinkedIn, Twitter, Google, YouTube, Vimeo, Skype 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, Synchrony Bank, Synchrony Financial, Facebook, LinkedIn, Google, YouTube, Vimeo and Skype, a “Released and Indemnified Party,” and collectively, including, without limitation, Bankrate, Synchrony Bank, Synchrony Financial, Facebook, LinkedIn, Twitter, Pancake, Google, YouTube, Vimeo and Skype, 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 (whether at law or in 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, any Prize and/or use or misuse of any Prize, the entrant’s participation in the Money Makeover Program and/or the entrant’s submission to Bankrate and/or to any third party (including, without limitation, to any financial advisor) of any information (including, without limitation, in connection with the entrant’s participation in the Money Makeover Program)

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: (A) ENTRY OR PARTICIPATION IN THE PROMOTION AND/OR (B) ACCEPTANCE, USE, OR MISUSE OF ANY PRIZE.

LIMITATIONS OF LIABILITY: Bankrate is not responsible for: (a) electronic, human, United States Postal Service, equipment programming or other error, omission, interruption, defect or delay which may occur in the administration of the Promotion or the processing of any entry, any Prize, in the Official Rules, or in any other materials related to the Promotion, (b) technical failures of any kind, including but not limited to, the malfunctioning of any electronic equipment, computer, Internet, Web site, network, hardware or software, a computer virus, bug or other technical problem, (c) unauthorized human intervention in any part of the entry process or the Promotion, (d) any entrant’s conduct in connection with the Promotion, (e) any printing, typographical, technical errors in any materials associated with the Promotion or any Prize, (f) incorrect, inaccurate, late, lost, stolen, illegible, incomplete, or misdirected entries, or entries received through impermissible or illegitimate channels, or (g) 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 any Prize.

PRIVACY NOTICE: Entrants should read the “Privacy Policy” located at http://www.bankrate.com/Coinfo/privacy.asp (the “Bankrate Privacy Policy“). Entrants should read the “Privacy Policy” located at http://www.bankrate.com/coinfo/privacy.asp. Information collected from entrants is subject to such Privacy Policy.