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Grow Financial Federal Credit Union
DTSP Songwriters Festival Kickoff Concert Ticket Instagram Sweepstakes Official Rules
Please read the Official Rules and Regulations (“Official Rules”) of the Grow Financial Federal Credit Union (“Grow Financial”) DTSP Songwriters Festival Kickoff Concert Ticket Instagram Sweepstakes (“Sweepstakes”). You must agree to accept and comply with the Official Rules to participate in the Sweepstakes.
NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE DOES NOT INCREASE OR IMPROVE YOUR CHANCE OF WINNING. YOU DO NOT NEED TO BE A MEMBER OF GROW FINANCIAL FEDERAL CREDIT UNION TO ENTER. THE ODDS OF WINNING ARE 1:500; BUT ACTUAL ODDS DEPEND UPON THE TOTAL NUMBER OF ELIGIBLE ENTRIES RECEIVED DURING THE SWEEPSTAKES PERIOD.
SWEEPSTAKES DESCRIPTION: The Sweepstakes will start at 5:00 p.m. EDT on Monday, October 28, 2019 and will end at 3:00 p.m. EDT on Wednesday, October 30, 2019 or when we receive 500 submissions, whichever occurs first.
ELIGIBILITY: The Sweepstakes is open to legal residents of the United States and the District of Columbia (“U.S.”) who are at least 18 years at the time of entry. Individuals under the age of 18 cannot participate in the sweepstakes. Employees, directors and officers and their immediate families (spouses and siblings, parents and children and their spouses) of Grow Financial, affiliates, and subsidiaries, (collectively the “Sweepstakes Entities”) are not eligible. The Sweepstakes is “Void Where Prohibited.”
SPONSOR/ADMINISTRATOR: Grow Financial Federal Credit Union, P.O. Box 89909, Tampa, FL 33689
HOW TO ENTER: No purchase is necessary to enter nor will a purchase increase your chances of winning. To enter, follow Grow Financial using your personal Instagram account and tag three friends in a comment of the designated post on Grow Financial’s Instagram account within the timeframe set forth herein. Limit one entry per account. All eligible entrants will automatically be entered in the Sweepstakes.
WINNER SELECTION: On Wednesday, October 30, 2019, ten (10) winners will be selected at random from all eligible entries received. Selection will be conducted by the Administrator. You need not be present during the Selection to win. Each winner will be notified by direct message on Instagram and required to sign and return a Statement of Eligibility, Release of Liability and Prize Acceptance form within one day of receipt. The execution of the Statement of Eligibility, Release of Liability and Prize Acceptance form is an explicit condition to releasing said prize; refusal by prize by a prize winner to execute the Statement of Eligibility, Release of Liability and Prize Acceptance form will result in disqualification and an alternate participant will be selected in accordance with these Official Rules. Failure of a potential winner to sign the required document within the specified timeframe may cause the prize to be forfeited and awarded to an alternate participant as solely determined by Sponsor. If a prize is refused, a prize notification is returned or deemed undeliverable, or the potential winner is disqualified for any reason, an alternate participant winner will be selected. Except where prohibited by law, acceptance of the prize constitutes permission for Sponsor to use winner’s name, hometown, likeness, statements, and other personally identifiable information for promotional, advertising and marketing purposes in any media throughout the world without additional prize, incentive, consideration, consent or review; and upon request, winner will provide written consent to such use. The odds of winning are 1:500; but actual odds depend upon the total number of eligible entries received.
Prizes: Ten (10) randomly selected winners will receive four (4) general admission tickets to the DTSP Songwriters Festival Kickoff Concert. Individual prize value: $120. Total prize value: $1,200.
GENERAL PRIZE RESTRICTIONS: The prize winners will accept the prize upon notice of availability from the Sponsor or the prize may be forfeited and awarded to an alternate winner. Prizes may not be transferred or assigned until after the actual winner has complied with all his or her obligations under these Official Rules. No cash or other substitution may be made, except by the Sponsor, who reserves the right to substitute a prize in whole or in part with another prize of comparable or greater value if the intended prize is not available for any reason as determined by the Sponsor in its sole discretion. The prize winners will be responsible for all taxes (including but not limited to federal, state, local and/or income) on the prize and will be required to provide his/her Social Security Number for tax reporting purposes if the retail value of the prize being awarded is $600.00 or greater (as determined in Sponsor’s sole discretion). Sponsor will file an IRS Form 1099 with the Internal Revenue Service for the prize if the retail value of such prize is $600.00 or greater.
GENERAL CONDITIONS/RELEASE: By participating, Entrant agrees to (a) release Sweepstakes Entities, their respective directors, officers, agents and employees from any and all liability for any claims, costs, injuries, losses or damages of any kind caused by (i) Entrant’s participation, including the unauthorized or illegal access to personally identifiable or sensitive information or the acceptance, possession, use, or misuse of the prize; (ii) any Sweepstakes Entities sponsorship or administration of the Sweepstakes; and (iii) Entrant’s and/or any third party’s use, sale, dissatisfaction or disposal of the prize; (b) acknowledge that said parties have neither made nor are in any manner responsible or liable for any warranty, representation or guarantee, expressed or implied, in fact or in law, relative to the prize (any written warranty by the manufacturer concerning the prize will be provided along with the prize). Neither Sweepstakes Entities nor any service providers are responsible for incorrect or inaccurate transcription of Entry information, or for any human or other error, technical malfunctions, lost/delayed data or voice transmission, omission, interruption, deletion, defect, line failures of any telephone network, computer equipment, software, inability to access any online service or Website or to complete a telephone call or facsimile transaction, or any other error or malfunction, or late, lost or misdirected mail, or any injury or damage to participant’s or any other person’s computer related to or resulting from participation in this Sweepstakes.
CAUTION: ANY ATTEMPT BY AN ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEBSITE, TAMPER WITH THE ENTRY PROCESS, OR OTHERWISE UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO COOPERATE IN THE PROSECUTION OF ANY SUCH INDIVIDUAL(S) AND TO PURSUE ALL REMEDIES TO THE FULLEST EXTENT PERMITTED BY LAW. Failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. If for any reason the Sweepstakes is not capable of being executed as planned, or infection by computer virus, bugs, tampering, unauthorized intervention, fraud, action of Entrants, technical failures or any other causes which in the opinion of Administrator and/or Sponsor, corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Sweepstakes, Administrator reserves the right at its sole discretion to disqualify any suspect Entry or Entrant and/or to cancel, terminate, modify or suspend the Sweepstakes. In the event of any cancellation, termination or suspension, notice thereof will be posted at growfinancial.org. If the Sponsor decides to reconvene the Sweepstakes after a suspension, the determination of the prize winner will be made, from among all eligible, non-suspect Entries received as of the date of the suspension, as Administrator determines in its sole discretion. Entries not complying with all rules are subject to disqualification.
DISPUTES: Entrants agree that (a) any and all disputes, claims and causes of action arising out of, or connected with, the Sweepstakes or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in Hillsborough County, FL; (b) any and all claims, judgments, and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Sweepstakes but in no event attorneys’ fees; and (c) under no circumstances will Entrant be permitted to obtain awards for, and Entrant hereby waives all rights to, claim punitive, incidental and consequential damages and any other damages, other than out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE MAY NOT APPLY TO YOU. 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 Sweepstakes, 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 State of Florida or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than State of Florida.
WINNER/RULES: For the name of the Sweepstakes winner and/or a copy of these Official Rules, mail a stamped, self-addressed envelope to: Grow Financial Federal Credit Union, P.O. Box 89909, Tampa, FL 33689, Attn: Grow Financial DTSP Songwriters Festival Kickoff Concert Ticket Instagram Sweepstakes. Requests must be received by Wednesday, November 6, 2019.
How to Find Your Routing & Account Numbers
When you make a payment online, by phone or on a mobile device, you may be asked for our routing number and your checking account number. Credit unions and banks use these numbers to identify accounts and make sure money gets where it’s supposed to be. You’ll also need to provide your routing and checking account numbers for:
- Direct deposits
- Electronic checks
- Military allotments
- Wire transfers
Where to Find Your Routing & Checking Account Numbers
Your personal checks include both our routing number and your account number, as shown on the Grow check example below.
Don’t have a Grow check? No worries.
Visit any Grow store and ask for a Direct Deposit Form. It lists both your routing number and checking account number.
Making a Loan Payment
Nobody likes paying bills. We get it. That’s why at Grow, we make it as painless as possible to pay your loan every month. You can even choose how to do it.
Pay From Another Credit Union or Bank
You have two ways to pay by transferring funds online from another institution.
- Debit Card or ACH
We accept both Mastercard® and Visa® debit cards and ACH. With debit cards you’ll also pay a convenience fee of $4.95. To make a loan payment other than your mortgage or Grow Visa® credit card, click the button below.
- Grow Online Banking
You can make one-time payments or set up automatic recurring payments in your Grow Online Banking account. Simply select “Transfer/Payments” from the menu. And if you’re not enrolled in Grow Online Banking, you can set up your account in just a few minutes.
Pay by Mail
You can also pay your loan by check through the mail. Please remember to include your account number and Grow loan number on the check.
Send auto, credit card and personal loan payments to:
Grow Financial Federal Credit Union
P.O. Box 10006
Irmo, SC 29063-5006
Send home loan and home equity payments to:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733