how fit are your finances?

TAKE OUR QUIZ for a chance to win $1,000
plus, chances to win $50 each week

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The Chartway Federal Credit Union How Fit Are Your Finances Sweepstakes

Official Rules

 

NO PURCHASE NECESSARY TO ENTER OR WIN. MAKING A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.

 

SWEEPSTAKES ENTRY PERIOD:  The Chartway Federal Credit How Fit Are Your Finances Sweepstakes (the “Sweepstakes”) begins at 12:00:01 AM Eastern Time (“ET”) on Friday, February 1, 2019 and ends at 11:59:59 PM ET on Sunday March 31, 2019 (the “Sweepstakes Period”). The Sweepstakes period consists of nine (9) entry periods (each, an “Entry Period”), each with its own entry deadline (as further described below).

 

ELIGIBILITY: The Sweepstakes is open only to legal residents of the 50 United States who are age 18 or older at the time of entry (“Participant”).

Employees, representatives, or agents of Chartway Federal Credit Union (the “Sponsor”), its parent companies and their respective subsidiaries, affiliates, advertising and promotion agencies involved in the administration, development, fulfillment and execution of this sweepstakes (collectively, the “Sweepstakes Parties”), and the immediate family members of, and/or those living in the same household of each, are not eligible to enter. Sweepstakes is subject to all applicable federal, state and local laws and regulations. If it is found that a person who does not meet the eligibility criteria set forth in these rules has submitted an entry, that entry will be deemed ineligible. Sponsor reserves the right to verify eligibility requirements. Void outside the United States and wherever else prohibited by law.

 

HOW TO ENTER: There is no purchase necessary to enter the Sweepstakes. Making a purchase will not improve your chances of winning.

To enter the Sweepstakes, visit http://chartwayfcusweeps.com and provide your first name, last name, email address, phone number, gender, year of birth, and zip code. In addition to providing the above information, you must attest to full compliance with these Official Rules and the Privacy Policy. Next, click the “Enter” button and complete the quiz by answering five (5) survey questions to earn one (1) Entry into the Sweepstakes (the “Entry”). You will earn one (1) Entry regardless of the answer you receive on the quiz.

Participants are limited to one (1) Entry per Entry Period. All entries become the property of the Sponsor and will not be acknowledged or returned. Entries must be received between Friday, February 1, 2019 at 12:00:01 AM ET and Sunday, March 31, 2019 at 11:59:59 PM ET. Participants are subject to all notices posted online including but not limited to the Sponsor’s Privacy Policy.

Entries which are incomplete, illegible, or fraudulent are null and void. Sponsor is not responsible for incomplete, incorrect, or inaccurate capture of entry information.

 

PRIZES/APPROXIMATE RETAIL VALUE (“ARV”)/ODDS

Grand Prize: One (1) Grand Prize is available to be won. Grand Prize is $1000.00 cash or check.

The ARV of the Grand Prize: $1,000.00 USD.

Weekly Prizes: Eight (8) Weekly Prizes are available to be won. Weekly Prize is $50.00 cash or check.

The ARV of each Weekly Prize is: $50.00 USD. The total ARV of all Weekly Prizes is: $400.00 USD

The total ARV of all prizes available to be won: $1,400.00 USD.

Odds of winning will depend upon the total number of eligible entries received. All applicable taxes and duties on a prize are the sole responsibility of the winner. By accepting a prize, the prize winner agrees to release the Sweepstakes Parties from any and all liability whatsoever for any injuries, losses, or damages of any kind caused by entering the promotion or for damages of any kind caused by the prize or resulting from acceptance, possession, or use/misuse of prize awarded. The prize is not exchangeable or transferable. There are no substitutions unless specified by the Sponsor. The Sponsor reserves the right at its sole discretion to substitute the prize with another prize of equal or greater value.

 

PRIZE CONDITIONS: All expenses related to the acceptance or use of the prize is the sole responsibility of prize winner. Sponsor reserves the right to use any and all information related to the Sweepstakes for promotional, marketing and any other purpose, including online announcements unless prohibited by law. The winner will be required to execute and return an Affidavit of Eligibility & Liability / Publicity Release as a condition of acceptance of the Prize.  

The Grand Prize winner is responsible for all federal, state, local and income taxes associated with winning prize. Grand Prize winner will be required to furnish its TIN for the sole purpose of preparation of any tax forms as required by law.

 

RANDOM DRAWINGS:

Grand Prize: One (1) potential Grand Prize winner will be selected from among all eligible entries received in a random drawing to be held on or about the date specified in the Drawing Period/Prize Description Schedule below, which will take place at the offices of an independent agent of the Sponsor, whose decisions are final. 

Weekly Prizes: Eight (8) potential Weekly Prize winners will be selected from among all eligible entries received in random drawings to be held on or about the date specified in the Drawing Period/Prize Description Schedule below, which will take place at the offices of an independent agent of the Sponsor, whose decisions are final.

 

Drawing Period/Prize Description Schedule

Drawing Period

Prize Available to be Won

Start date (12:00:01 AM ET)

End Date (11:59:59 PM ET)

Approximate Drawing & Notification Date

1

One (1) First Prize

01-Feb-19

07-Feb-19

08-Feb-19

2

One (1) First Prize

08-Feb-19

14-Feb-19

15-Feb-19

3

One (1) First Prize

15-Feb-19

21-Feb-19

22-Feb-19

4

One (1) First Prize

22-Feb-19

28-Feb-19

01-Mar-19

5

One (1) First Prize

01-Mar-19

07-Mar-19

08-Mar-19

6

One (1) First Prize

08-Mar-19

14-Mar-19

15-Mar-19

7

One (1) First Prize

15-Mar-19

21-Mar-19

22-Mar-19

8

One (1) First Prize

22-Mar-19

28-Mar-19

29-Mar-19

9

One (1) Grand Prize

01-Feb-19

31-Mar-19

02-Apr-19


WINNER NOTIFICATION:
 

Grand Prize: The potential Grand Prize winner will be notified by a designated representative of the Sponsor by the email and/or phone number used at the time of entry, on or about the date specified in the Drawing Period/Prize Description Schedule above. The designated representative will make a minimum of two (2) attempts to contact the eligible winner within seventy-two (72) hours of the Drawing Date.

Daily Prizes: The potential Daily Prize Winners will be notified by a designated representative of the Sponsor by the email and/or phone number used at the time of entry, on or about the dates specified in the Drawing Period/Prize Description Schedule above. The designated representative will make a minimum of two (2) attempts to contact each eligible winner within seventy-two (72) hours of the Drawing Date.

If an eligible winner cannot be contacted within seventy-two (72) hours of the Drawing Date, or if there is a return of any notification as undeliverable; then he/she may, in the sole and absolute discretion of the Sponsor, be disqualified (and, if disqualified, will forfeit any and all rights to the applicable prize) and the Sponsor reserves the right, in its sole and absolute discretion to randomly select an alternate eligible entrant for the applicable prize in a separate random drawing from the remaining eligible entries submitted and received in accordance with these Official Rules.

No one is a winner unless and until the Sponsor officially confirms him/her as a winner in accordance with these Official Rules.

Before being declared a Confirmed Prize Winner, the potential winner will be required to sign and return, within seventy-two (72) of notification, an Affidavit of Eligibility & Liability Release, and where allowable, a Publicity Release. The potential Grand Prize Winner will also be required to sign and return an IRS W-9 form. These releases will require the eligible winner to furnish his/her TIN for the sole purpose of tax reporting, as required by law. Noncompliance will result in disqualification and an alternate winner may be selected in a separate random drawing. The prize package will be awarded within approximately 15 days after the winner is verified.

 

PRIZE CONDITIONS: All expenses related to the acceptance or use of a prize is the sole responsibility of Prize winner. Sponsor reserves the right to use any and all information related to the Sweepstakes for promotional, marketing and any other purpose, including online announcements unless prohibited by law. Winners are responsible for all federal, state, local and income taxes associated with winning a prize. Where applicable, Winners will be issued an IRS 1099 Tax Form for the fair market value of Prize won.

Prizes are not assignable, nor transferable. No exchange or substitution of the prize, except at the sole discretion of the Sponsor. Any other incidental expenses on prize not specified herein are the winner’s sole responsibility. All prize details are at the sole discretion of the Sponsor. If the winner cannot accept the prize as stated, prize will be forfeited, and an alternate winner will be selected (time permitting). Winner is solely responsible for all federal, state, and local taxes (as applicable), or any other expenses in connection with the acceptance, receipt use and/or misuse of prize not specified.

Prizes are awarded “as is” with no warranty or guarantee, either express or implied by Sponsor.  Winners acknowledge that Sponsor and all other businesses affiliated with this Sweepstakes and their agents do not make, nor are in any manner responsible for any warranty, representations, expressed or implied, in fact or in law, relative to the quality, conditions, fitness or merchantability of any aspect of the prize being offered.

 

GENERAL: Participating entrants agree to these Official Rules and the decisions of the Sweepstakes Parties and release the Sponsor, and their affiliated companies, and all other businesses involved in this Sweepstakes, as well as the employees, officers, directors and agents of each (collectively, “Released Parties”), from all claims and liability relating to their participation in the promotion, and the acceptance and use/misuse of the prize offered. Winner assumes all liability for any injury or damage caused or claimed to be caused, by participation in this Sweepstakes or use/misuse or redemption of the prize. Sponsor is not responsible for any typographical or other error in the printing of the offer, administration of the Sweepstakes or in the announcement of the prize. Sponsor is not responsible for incompatibility of entrant’s hardware, software or browser technology.

Acceptance of prize(s) constitutes permission for the Sponsor and its designees to use winner’s name, city, state, likeness, voice, biographical information, comments and other statements for purposes of advertising, promotion and publicity in any and all media, now or hereafter known, throughout the world in perpetuity without additional compensation, notification or permission, except to the extent prohibited by law. 

 

LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT AN ENTRANT, TO DELIBERATELY DAMAGE, DESTROY, TAMPER OR VANDALIZE THIS WEB SITE OR INTERFERE WITH THE OPERATION OF THE SWEEPSTAKES, IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND DILIGENTLY PURSUE ALL REMEDIES AGAINST ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.

 

DISPUTES: Except where prohibited, entrant agrees that any and all disputes, claims and causes of action arising out of, or connected with, the Giveaway or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in the State of Virginia. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, entrant’s rights and obligations, or the rights and obligations of the Sponsor in connection with the Giveaway, shall be governed by, and construed in accordance with, the laws of the State of Virginia without giving effect to any choice of law or conflict of law rules (whether of the State of Virginia or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Virginia. The remedy for any claim shall be limited to actual damages, and in no event shall any party be entitled to recover punitive, exemplary, consequential, or incidental damages, including attorney’s fees or other such related costs of bringing a claim, or to rescind this agreement or seek injunctive or any other equitable relief. THE PARTIES HEREBY WAIVE THEIR RIGHT TO JURY TRIAL WITH RESPECT TO ALL CLAIMS AND ISSUES ARISING OUT OF OR RELATING TO THIS PROMOTION WHETHER SOUNDING IN CONTRACT OR TORT AND INCLUDING ANY CLAIM FOR FRAUDULENT INDUCEMENT THEREOF.

 

PRIVACY: By entering and providing the required entry information, entrants agree to receive email marketing communications from Sponsor. Entrants also acknowledge that Sponsor may also send information, samples or special offers it believes may be of interest to entrant, or other information or goods offered by its marketing partners. Personal information collected from online entrants are subject to the Sponsor’s Privacy Policy, which can be found at http://start.chartwayfcusweeps.com/privacy.

 

OFFICIAL RULES REQUEST: To request a copy of the Official Rules, see http://chartwayfcusweeps.com/rules or send an email to sup@raven5.com with subject line: The Chartway Federal Credit Union How Fit Are Your Finances Sweepstakes Official Rules Request. All requests must be received by April 15, 2019 at 11:59:59 PM ET.

 

WINNER CONFIRMATION REQUEST: For a written confirmation of the winners, (available after April 15, 2019), send an email to sup@raven5.com with subject line: The Chartway Federal Credit Union How Fit Are Your Finances Sweepstakes Winner Confirmation Request. All requests must be received by April 30, 2019 at 11:59:59 PM ET. 

 

SPONSOR: Chartway Federal Credit Union, 5700 Cleveland St., Virginia Beach, VA 23462.

 

Void outside the fifty (50) United States and wherever else prohibited by law.

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Privacy Policy

 

WHAT DOES CHARTWAY FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and account balances account transactions and checking account information income and payment history When you are no longer our member, we continue to share your information as described in this notice.

How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Chartway Federal Credit Union chooses to share; and whether you can limit this sharing.

Questions? Call toll-free 1-800-678-8765 or go to locally (757) 552-1000

 

What we do:

How does Chartway Federal Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Chartway Federal Credit Union collect my personal information? We collect your personal information, for example, when you open an account or deposit money pay your bills or use your credit or debit card apply for financing We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes – information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State law and individual companies may give you additional rights to limit sharing.

 

Definitions:

Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. Chartway Federal Credit Union has no affiliates.

Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies. Chartway Federal Credit Union does not share with our nonaffiliates so they can market to you.

Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include investment and insurance companies. Other important information