OFFICIAL SWEEPSTAKES RULES
The “2015 SeaComm-Has-The-Key” Sweepstakes is sponsored by SeaComm Federal Credit Union (Sponsor). The sweepstake begins October 1, 2015 and ends at 11:59 pm EST on December 31, 2015. The sweepstakes is governed by these official rules. Eligibility requirements and results of the sweepstakes are final in all respects. The sweepstakes is subject to federal, state and local laws and regulations and is void where prohibited by law.
The sweepstakes is open to legal residents of St. Lawrence, Franklin and Clinton counties of New York State who are eighteen (18) years of age or older, as of October 1, 2015 and who are physically located and reside in the United States. SeaComm Federal Credit Union employees and credit union volunteers, members of their immediate families or those residing in their households are not eligible to win. Immediate family is defined as spouse, parents and grandparents, children and grandchildren, brothers and sisters, mother and father in law, brothers and sisters in law, daughters and sons in law. Adopted, half and step members are also included under immediate family.
HOW TO ENTER
NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE 2015 SEACOMM-HAS-THE-KEY SWEEPSTAKES. There are two (2) ways to enter this Sweepstakes: 1) Automatic entries in the sweepstakes are obtained by applying for and closing a SeaComm mortgage product or home equity loan/line of credit during the timeframe of October 1, 2015 through December 31, 2015. The funds must be new money booked. Mortgage products or home equity loans or lines of credits currently held through SeaComm Federal Credit Union cannot be refinanced under this promotion. The minimum mortgage amount required to be eligible for the cash drawing is $20,000 or greater. The minimum home equity LOC required to be eligible for the cash drawing is $15,000 with an initial $5,000 draw. Mortgages, home equity loans or lines of credit applications must be started on or after 10/1/15 and closed by 12/31/15 to enter the drawing. 2) U.S. Mail: You may enter the Sweepstakes without a SeaComm mortgage product or home equity product closing via U.S. Mail by hand-printing your name, address, city, state, ZIP code, and daytime and evening telephone numbers (including area code) on a 3" x 5" card, and mail, in a #10 envelope with postage affixed, to: SeaComm-Has-The-Key Sweepstakes, Attn: Marketing Department, 30 Stearns Street, Massena, NY 13662. Mail-in entries must be postmarked and received no sooner than 10/1/15 and no later than 12/31/15 in order to be eligible. Mail in entries are limited to one entry per person. Entries that are mechanically reproduced, copied, illegible, incomplete, postage-due or inaccurate and entries by any means which subvert the entry process are void. Entries become the property of the Sponsor and will not be acknowledged or returned. Incomplete entries or entries not complying with these Official Rules are subject to disqualification, at the Sponsor’s sole discretion. Proof of mailing does not constitute proof of delivery. The winner will be randomly selected and contacted using account contact information provided. If the potential prize winner cannot be reached by SeaComm within fifteen calendar (15) days, that potential prize winner shall forfeit the prize. The prize winner may be required to return an Affidavit of Eligibility, Release and Prize Acceptance Form and IRS W-9 form. If a potential winner fails to comply with these official rules, that potential winner will be disqualified.
Grand Prize: One $2,000 cash prize giveaway. Terms and conditions may apply. ALL FEDERAL, STATE AND LOCAL TAXES ASSOCIATED WITH THE RECEIPT OR USE OF ANY PRIZE IS SOLELY THE RESPONSIBILITY OF THE WINNER. Incidental expenses and all other costs and expenses which are not specifically listed as part of a prize in these Official Rules and which may be associated with the award, acceptance, receipt and use of all or any portion of the awarded prize are solely the responsibility of the respective prize winner.
Prize is non-transferable. Sponsor and its respective parent, affiliate and subsidiary companies, agents, and representatives are not responsible for any typographical or other errors in the offer or administration of the Sweepstakes, including, but not limited to, errors in any printing or posting or these Official Rules, the selection and announcement of any winner, or the distribution of any prize. Any attempt to damage the content or operation of this Sweepstakes is unlawful and subject to possible legal action by Sponsor. Sponsor reserves the right to terminate, suspend or amend the Sweepstakes, without notice, and for any reason, including, without limitation, if Sponsor determines that the Sweepstakes cannot be conducted as planned or should a virus, bug, tampering or unauthorized intervention, technical failure or other cause beyond Sponsor’s control corrupt the administration, security, fairness, integrity or proper play of the Sweepstakes. In the event any tampering or unauthorized intervention may have occurred, Sponsor reserves the right to void suspect entries at issue. Sponsor and its respective parent, affiliate and subsidiary companies, agents, and representatives, and any telephone network or service providers, are not responsible for incorrect or inaccurate transcription of entry information, or for any human error, technical malfunction, lost or delayed information or data transmission, omission, interruption, deletion, line failure or malfunction of any telephone network, computer equipment or software, the inability to access any website or online service or any other error, human or otherwise.
INDEMNIFICATION AND LIMITATION OF LIABILITY
BY ENTERING THE SWEEPSTAKES, EACH ENTRANT AGREES TO INDEMNIFY, RELEASE AND HOLD HARMLESS SPONSOR AND ITS PARENT, AFFILIATE AND SUBSIDIARY COMPANIES, THE FACEBOOK PLATFORM, ADMINISTRATOR, ADVERTISING AND PROMOTIONAL AGENCIES, AND ALL THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS FROM ANY LIABILITY, DAMAGES, LOSSES OR INJURY RESULTING IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, FROM THAT ENTRANT’S PARTICIPATION IN THE SWEEPSTAKES AND THE ACCEPTANCE, USE OR MISUSE OF ANY PRIZE THAT MAY BE WON. SPONSOR AND ITS PARENT, AFFILIATE AND SUBSIDIARY COMPANIES DO NOT MAKE ANY WARRANTIES, EXPRESS OR IMPLIED, AS TO THE CONDITION, FITNESS OR MERCHANTABILITY OF THE PRIZE. SPONSOR AND ITS PARENTS, SUBSIDIARIES, AFFILIATES, ADVERTISING AND PROMOTIONAL AGENCIES, AND ALL THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS DISCLAIM ANY LIABILITY FOR DAMAGE TO ANY COMPUTER SYSTEM RESULTING FROM ACCESS TO OR THE DOWNLOAD OF INFORMATION OR MATERIALS CONNECTED WITH THE SWEEPSTAKES.
By participating, each entrant grants Sponsor permission to use his/her name, likeness or comments for publicity purposes without payment of additional consideration, except where prohibited by law.
This Sweepstakes is sponsored by:
SeaComm Federal Credit Union
30 Stearns Street
Massena, NY 13662
Any questions regarding this Sweepstakes should be directed to firstname.lastname@example.org.
Applying for a mortgage loan at SeaComm Federal Credit Union is quick,
easy and hassle-free. You'll also appreciate the wide range
of programs and services we offer, which include flexible
terms and no prepayment penalties.
- Fixed and adjustable rates
- Primary and secondary residences
- Refinance of existing mortgages
- Loans up to $500,000
- No down payment options
- Rate locks available
- No prepayment penalties
- Affordable closing cost and no closing cost programs
SeaComm is now able to help more members realize the American dream of home ownership due to our partnership with Homeowners Advantage, the mortgage processing assistance center. Every home buyer has a different need so we've expanded the types of mortgages available to our members. Whether buying or refinancing a home, the lending professionals at SeaComm are ready to assist and advise you regarding the best possible loan product to fit the needs of your family.
- FHA loans with only a small down payment required
- VA loans with 0% down for qualified veterans
- 100% financing on purchase of primary residence
- Equity loans up to 100% of the value of the home
- Investment property loans are available
- Nonconforming loans for damaged credit and bankruptcy
Why wait? Click here to start your mortgage application!
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