#HalloweenHorrors: Official Rules

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#HalloweenHorrors Contest

Official Rules


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 #HalloweenHorrors Contest” (the “Promotion Period“), Bankrate, Inc. (“Bankrate“) will award, to each of three Winners (as defined below), a cash prize of $100 (collectively, the “Prizes“). THE TOTAL MAXIMUM VALUE OF THE PRIZES WILL BE $300.

ENTRY PERIOD: The Promotion begins at 9:00 a.m. Eastern Daylight Time on October 8, 2014, and ends at 11:59 p.m. Eastern Daylight Time on October 29, 2014 (the “Promotion Period“).

HOW TO ENTER: Subject to the “Conditions of Entry” below, you may enter the Promotion by following the instructions posted to www.bankrate.com/halloween-contest/ (the “Promotion Website“) to do the things set forth below during the Promotion Period:

Share an original photo and caption with respect to your “Halloween horror story” (your “Entry Piece“) on any of Twitter, Instagram, Tumblr, Facebook, or Vine using the hashtag “#HalloweenHorrors”, or directly upload your Entry Piece on the Promotion Website. After submitting your Entry Piece, claim your submission from the prompt or go to the Promotion Website to claim your submission from the photo stream. In connection with so claiming your submission, you will be prompted to complete a form, which form will include information fields that you must complete in order for your Entry (as defined below) to be considered. Such information fields may include, but are not limited to, your name, birth date, daytime phone number, email address, complete street address, city, state, zip code, current school (if applicable).

Your Entry Piece must be an original piece created by you. 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 be altered digitally, but 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. Notwithstanding 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. For example, if you would like to depict yourself standing next to a jack-o’-lantern, you should take a photograph of yourself standing next to such jack-o’-lantern; you may not digitally or otherwise alter the image to add such jack-o’-lantern to the image.

All content of your Entry Piece must be intended for a family audience and must, in the sole discretion of Bankrate, be suitable for a general audience and must not contain any nudity, sexually explicit, disparaging, libelous, hateful, violent, racist, or other inappropriate content.

Your complete and overall Entry Piece must be original and your own work, and must have been created for the purpose of the Promotion. For example, you may not submit a company advertisement, a photograph you found online, or a stock photograph as part of your Entry Piece. Submission of an Entry Piece that is not the applicable entrant’s own original work may result in disqualification. A professional portrait will not be accepted as part of an Entry Piece.

Bankrate reserves the right to reject any Entry Piece that it deems, in its sole discretion, to violate any of these content related requirements, in which case the Entry Piece 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, or you can obtain free Internet access through a provider such as NetZero.

CONDITIONS OF ENTRY: No purchase is necessary to enter the Promotion or to win a 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, 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. 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. Bankrate is not responsible for lost, late or misdirected entries or for entries not received by Bankrate. Without limiting the generality of the two immediately foregoing sentences, proof of online entry will not be deemed to be proof of receipt of entry by Bankrate. 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.


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 a 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. Each Entry Piece submitted by an entrant in connection with entering the Promotion will be the property of Bankrate and, by submitting an Entry Piece to Bankrate, each entrant disclaims any right (including, without limitation, any right to publish such Entry Piece), title and interest in such Entry Piece. Bankrate has the exclusive right to publish each Entry Piece, in whole or in part, throughout the world, in any manner and/or media whatsoever.

SELECTION AND NOTIFICATION OF THE WINNERs: Subject to these Official Rules, the Winners will be selected on or around October 30, 2014 as follows:

Three (3) winners (collectively, the “Winners“) will be selected from among those entrants who submit Entry Pieces during the Promotion Period and in accordance with these Official Rules. The Winners will be selected by a panel of judges, which panel of judges shall be selected by Bankrate in its sole discretion. Such panel of judges will select the three (3) winning entries from among all of the entries in the Promotion that are submitted during the Promotion Period. The three (3) Winners will be the three (3) entrants who, as determined by the judges in their sole discretion, submit the scariest stories or most intriguing images and captions will be the Winners.


On or about forty-eight (48) hours after the determination of the Winners, the Winners will be notified by email or telephone. 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 such Winner, if by telephone. Each Winner must claim his or her Prize in the manner indicated in Bankrate notification of such Winner. For the avoidance of doubt, each Winner must continue to comply with these Official Rules.

If a Winner fails to claim a Prize within such 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 from all remaining eligible entries, will be contacted. 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 such Winner’s eligibility to win a Prize and, prior to, and as a condition of, such Winner’s acceptance and use of a 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 Bankrate’s notification of such Winner, or if, after Bankrate’s receipt of an Affidavit from the Winner, such Winner is found to be an ineligible entrant, such Winner’s entry will be disqualified and an alternative potential Winner, randomly selected from among all remaining eligible entries (regardless of whether such entrants submitted Entry Pieces), will be contacted.

TO RECEIVE THE WINNERS’ NAMEs OR OFFICIAL RULES: To request the names of the Winners 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 #HalloweenHorrors Contest, Attention: Janet Stauble, 11760 U.S. Highway 1, North Palm Beach, Florida 33408. Please specify whether you are requesting the names of the Winners or a copy of the Official Rules. Requests for the names of the Winners 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 FACEBOOK, VINE, INSTAGRAM, TUMBLR, TWITTER, NOR OFFERPOP IS A SPONSOR: The Promotion is in no way sponsored by, endorsed by, administered by or associated with Facebook Inc. (“Facebook“), Vine Labs, Inc. (“Vine“), Instagram, LLC (“Instagram“), Tumblr, Inc. (“Tumblr“), Twitter, Inc. (“Twitter“), or Offerpop Corporation (“Offerpop“)

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 the Promotion Website notice that the Promotion has been canceled 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 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 a Prize will be the sole responsibility of the applicable Winner. 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 to substitute, in the place of any 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 web site) 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 a 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 a Prize are the sole responsibility of the applicable Winner. All taxes, fees and surcharges related to a Prize, if any, are the sole responsibility of the applicable Winner. No Prize shall 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 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, Facebook, Vine, Instagram, Tumblr, Twitter, Offerpop 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, Facebook, Vine, Instagram, Tumblr, Twitter, and Offerpop, a “Released and Indemnified Party,” and collectively, including, without limitation, Bankrate, Facebook, Vine, Instagram, Tumblr, Twitter, Offerpop, 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, any Prize and/or use or misuse of any 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, any 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, web site, 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 any 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 any 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 Bankrate, Facebook, Vine, Instagram, Tumblr, Twitter, and Offerpop.