Love My Lender Contest Rules

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Contest Rules and Regulations (Full)

FBC Mortgage, LLC (“FBC”) will conduct its contests as described in these general contesting rules, and by participating, each participant agrees as follows:

  1. Prize(s)The prize(s) that may be awarded to the eligible winner(s) are not transferable, redeemable for cash or exchangeable for any other prize.  All prizes must be redeemed from FBC within thirty (30) days of the contest end date or date of each month’s announcement unless otherwise stated in the contest’s official rules. If a winner cannot be contacted or is disqualified for any reason, FBC reserves the right to determine an alternate winner or not to award that winner’s prize, in its sole discretion. 

  2. Eligibility and Limitations. – Employees and family members of employees cannot participate. Only one (1) entry per person and per household.

    Participants and winner(s) must be the actual borrower or co-borrower of the loan to qualify. Only one (1) entry per person per household.  Only one (1) prize per household for the Contest.  Employees of FBC and members of the immediate family of any such persons are not eligible to participate and win.  The term “immediate family” includes spouses, siblings, parents, children, grandparents, and grandchildren, whether as “in-laws,” or by current or past marriage(s), remarriage(s), adoption, co-habitation or other family extension, and any other persons residing at the same household whether or not related.

  3. Delivery Disclaimer.  – FBC is not responsible or liable for any technical issues when submitting the contest entry.

    For this contest, FBC is not responsible for mechanical, technical, electronic, communications, computer, hardware or software errors, malfunctions or failures of any kind, including:  failed, incomplete, garbled or delayed transmission of online entries, traffic congestion on the Internet or at any website or lost or unavailable network connections which may limit an online entrant’s ability to participate in the Contest, and any injury or damage to entrant’s or any other person’s computer related to or resulting from participating in or downloading any information necessary to participate in the Contest. 

  4. Publicity; Use of Personal Information.  By participating, where allowed by law, all participants and winner(s) grant FBC exclusive permission to use their names, characters, photographs, videos, etc. (if applicable) in connection with promotion of this contest and waive any claims to royalty, right, or remuneration for such use.  By participating in the Contest, where allowed by law, participants agree that FBC may use such information for marketing and other purposes.

  5. Consumer Created Content.  If the entry for the contest includes any creative material from the participant, including but not limited to, consumer created content, by submitting your entry: (1) you agree that your disclosure is gratuitous, unsolicited and without restriction and will not place the company or contest sponsors under any fiduciary or other obligation, that FBC is free to disclose the ideas on a non-confidential basis to anyone or otherwise use the ideas without any additional compensation to you;  (2) you acknowledge that, by acceptance of your submission, FBC does not waive any rights to use similar or related ideas previously known to sponsor, or developed by their employees, or obtained from sources other than you; (3) you are verifying that you are the owner and producer of the submitted material and that no third party ownership rights exist to any material submitted, and (4) you are hereby granting FBC a perpetual, worldwide, non-exclusive, royalty-free, sub-licensable (through multiple tiers) right and license to use, publish, reproduce, display, perform, adapt, modify, distribute, have distributed and promote such content in any form, in all media now known or hereinafter created, anywhere in the world, for any purpose. 

  6. Release.  By participating in the Contest, each participant and winner waives any and all claims of liability against FBC, its employees and agents, the conduct of, or participation in, the Contest, or from the use of any prize. 

  7. Taxes.  Any valuation of the prize(s) stated above is based on available information provided to FBC, and the value of any prize awarded to a winner may be reported for tax purposes as required by law.  Each winner is solely responsible for reporting and paying any and all applicable taxes related to the prize(s) and paying any expenses associated with any prize which are not specifically provided for in the official rules.  Each winner must provide FBC with valid identification and a valid taxpayer identification number or social security number before any prize will be awarded.  Any person winning over $600 in prizes from FBC will receive an IRS form 1099 at the end of the calendar year and a copy of such form will be filed with the IRS.

  8. Conduct and Decisions.  By participating in the Contest, participants agree to be bound by the decisions of FBC personnel.  Persons who violate any rule, gain unfair advantage in participating in the Contest, or obtain winner status using fraudulent means will be disqualified.  Unsportsmanlike, disruptive, annoying, harassing or threatening behavior is prohibited.  FBC will interpret these rules and resolve any disputes, conflicting claims or ambiguities concerning the rules or the Contest and FBC’S decisions concerning such disputes shall be final.  If the conduct or outcome of the Contest is affected by human error, any mechanical malfunctions or failures of any kind, intentional interference or any event beyond the control of FBC, FBC reserves the right to FBC deems appropriate.  All decisions will be made by FBC and are final.  Contest winners will be chosen from a random draw of entries in accordance with these regulations. The draw will be performed by a random computer process. Contest winners will be chosen at random selection. FBC may waive any of these rules in its sole discretion.  Any attempt by an entrant or any other individual to deliberately circumvent, disrupt, damage or undermine the legitimate operation of this Contest is a violation of criminal and civil laws. Should such an attempt be made, FBC reserves the right to seek civil and/or criminal prosecution and/or damages from any such person to the fullest extent permitted by law. 

  9. Miscellaneous.  Void where prohibited.  Odds of winning depend upon the number of participants.  Each winner must submit proof of eligibility to claim the prize.  FBC may substitute prizes, amend the rules or discontinue the Contest at any time. FBC disclaims any responsibility to notify participants of any aspect related to the conduct of the Contest. All entries become the property of FBC and will not be returned. 

  10. Compliance with Law.  The conduct of the Contest is governed by the applicable laws of the United States of America, which take precedence over any rule to the contrary herein.  FBC shall follow the applicable laws for conducting contests, including notice to the state attorney general or consumer affairs office, posting of a prize bond, furnishing lists of winners, providing specific written information about the Contest, etc. as required by local and state law.