Pumpkin Carving Contest Official Rules

NO PURCHASE NECESSARY TO ENTER OR WIN. MAKING A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED OR RESTRICTED BY LAW.

PROMOTION DESCRIPTION: The Pumpkin Carving Competition begins on October 5, 2020 and ends on November 2, 2020 (“Promotion Period”). The sponsor of this Sweepstakes is Direct Mortgage Loans (“Sponsor”). By participating in the Contest, each Entrant unconditionally accepts and agrees to comply with and abide by these Official Rules and the decisions of Sponsor, which shall be final and binding in all respects. Sponsor is responsible for the collection, submission or processing of Entries and the overall administration of the Sweepstakes. Entrants should look solely to Sponsor with any questions, comments or problems related to the Sweepstakes. Sponsor may be reached by email at [email protected]ectmortgageloans.com during the Promotion Period.

ELIGIBILITY: Open only to those who are 18 or older and have submitted a photograph for the Sponsor on one or more of the following websites: Facebook or Instagram. This Sweepstakes is subject to all applicable federal, state and local laws and regulations and is void where prohibited or restricted by law.

PRIZES: Grand Prize: 1 winner will receive a $250 Visa gift card (approximate retail value or “ARV”: $250). Only one grand prize will be awarded. A second winner will be awarded a $50 Visa gift card and Direct Mortgage Loans “swag”. Gift cards are subject to the terms and conditions of the issuer. Prizes cannot be transferred, redeemed for cash or substituted by winner. Sponsor reserves the right in its sole and absolute discretion to award a substitute prize of equal or greater value if a prize described in these Official Rules is unavailable or cannot be awarded, in whole or in part, for any reason. The ARV of the prize represents Sponsor’s good faith determination. That determination is final and binding and cannot be appealed.

HOW TO ENTER: Enter the Sweepstakes during the Promotion Period online by submitting photographs of carved pumpkins. Automated or robotic Entries submitted by individuals or organizations will be disqualified. Internet entry must be made by the Entrant. Final eligibility for the award of any prize is subject to eligibility verification as set forth below. All Entries must be posted by the end of the Promotion Period in order to participate. Sponsor’s database clock will be the official timekeeper for this Sweepstakes.

WINNER SELECTION: The Winner(s) of the Contest will be selected by social media users. The winner will be determined by the photo that has the highest engagement by comments and reactions. All social media users who react or comment will be entered into a random drawing. The random drawing will be conducted within 72 hours after the Promotion Period by Sponsor. Odds of winning will vary depending on the number of eligible Entries received. Acceptance of prize constitutes the Sponsor to use Winner’s name, likeness, and entry for purposes of advertising and trade without further compensation, unless prohibited by law.

WINNER NOTIFICATION: Winner will be notified through the social media messenger in which they participated. If the Sponsor has an associated email for the winner, the Sponsor will also notify the winner via email. Potential Winner must accept the prize within 48 hours of notification. Sponsor is not responsible for any delay or failure to receive notification. If Winner cannot be contacted, is ineligible, or fails to claim the prize within 48 hours from the time award notification was sent, the prize may be forfeited, and an alternate Winner selected.

PRIVACY: Information submitted with an entry is subject to the Privacy Policy stated on the Direct Mortgage Loans website. Click to read the Privacy Policy.

LIMITATION OF LIABILITY: Sponsor assumes no responsibility or liability for (a) any incorrect or inaccurate entry information, or for any faulty or failed electronic data transmissions; (b) any unauthorized access to, or theft, destruction or alteration of entries at any point in the operation of this Contest; (c) any technical malfunction, failure, error, omission, interruption, deletion, defect, delay in operation or communications line failure of providers utilized in any aspect of the operation of the Contest; If, for any reason, the Contest is not capable of running as planned for reasons which may include without limitation, infection by computer virus, 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 Contest, the Contest reserves the right at its sole discretion to cancel, terminate, modify or suspend the Contest in whole or in part. In such event, Sponsor shall immediately suspend all drawings and prize awards, and Sponsor reserves the right to award any remaining prizes (up to the total ARV as set forth in these Official Rules) in a manner deemed fair and equitable by Sponsor.

SPONSOR: Direct Mortgage Loans, LLC | 11011 McCormick Road, Suite 400, Hunt Valley, MD 21031