Contests & Giveaways

INSURED BY NCUA.  NO PURCHASE NECESSARY TO ENTER OR WIN.  A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR ODDS OF WINNING. MUST BE 18 YEARS OF AGE OR OLDER TO PARTICIPATE. VOID WHERE PROHIBITED.

The Sponsor of this Race Against Poverty Contest is Patriot Federal Credit Union which may be referred to as Patriot or Credit Union in these Official Rules.

1. RACE AGAINST POVERTY CONTEST PERIOD: 

The Race Against Poverty Contest begins at 12:00 a.m. ET on April 16, 2025, and ends at 11:59 p.m. ET on April 20, 2025 (“Race Against Poverty Contest Period”). Credit Union’s computer system is the official time keeping device for the Race Against Poverty Contest.

1. ELIGIBILITY:

The Contest is open to any current member of Credit Union (a) who is a member in Good Standing (hereinafter defined) at the time of Contest entry and as of the last day of the Contest Period (b) who is a permanent legal resident of one of the fifty (50) states of the United States of America or the District of Columbia (“U.S.”);  and (c) has a valid U.S. street address (no PO boxes).

The Contest is void outside the eligible Contest area and territory and where prohibited or restricted by applicable law. All Contest entrants must be a Credit Union member in Good Standing at the time of Contest entry, remain a member in Good Standing through the Contest Period, be a member in Good Standing as of the last day of the Contest Period, and remain a member in Good Standing at time of the award announcement.  A Credit Union member in “Good Standing” is determined solely by Credit Union and is a member who has at least one share account with Credit Union, has not defaulted on any payment obligations to Credit Union, has no charge-off with Credit Union, and is not determined to be in a delinquency status with Credit Union.  For purposes of clarification, individual members and named account owners or loan holders (i) who are sixty (60) days or more delinquent on any loan payments or are considered in default; (ii) who have a charged-off debt at Credit Union for any account or loan, or (iii) who are subject to a levy, garnishment, bankruptcy proceedings, or other legal debt or have a legal hold on their account(s) are not considered members in Good Standing and will be disqualified from winning the Contest.

Employees of Credit Union, its subsidiaries, affiliates, advertising/promotional agencies, Board members, officers, volunteers, contractors, subcontractors and all related immediate families and household members of such persons (including, but not limited to parents, children, spouses, in-laws, and siblings or persons living in the same household) are not eligible for entry into or for winning the Contest.  This Contest is intended solely for viewing and participation in the United States and shall be construed and evaluated solely under United States federal, state and local laws.  By entering, entrants certify that they meet all eligibility requirements.

1. HOW TO ENTER THE CONTEST: 

There is no purchase or transaction necessary to win the Contest.

1. AWARD: 

         5 Pairs of Race Registrations

The Contest Period begins April 16, 2025 and ends April 20, 2025.  Five (5) winners will be awarded 1 pair of race registrations.  The winners will be selected from a random drawing of all eligible entries.

Patriot’s announcement and award to a winner shall be final and binding.  The Contest award may not be substituted, transferred, or exchanged to any other person or member or for any other award, amount, cash value, or benefit.  Odds of winning will be determined by the number of eligible entries received by Credit Union.  The winner will be notified by Private Message.

1. RESTRICTIONS: 

An entrant will only receive one (1) entry, by tagging the person you will be running or walking with.

1. LIMITATION OF LIABILITY:

Patriot, its divisions, affiliates, partners, agents, representatives, employees, officers, directors, and sponsors are not responsible for lost, late, mutilated, delayed, inaccurate, incomplete, postage due, misdirected entries, miscommunications, failed telephone or computer transmissions, or for other errors, omissions, interruptions, or deletions of any kind whether human, mechanical, or electronic or for any damage to any person or person’s property related to participating in the Contest.   Persons found tampering with, abusing any aspect of the Contest entries or violating these Official Rules, will be disqualified and may be subject to prosecution.

Any attempt to undermine the legitimate operation of the Contest is a violation of criminal and civil law and for any such attempt, Credit Union, its affiliates, sponsors, and partners reserve the right to seek damages and other remedies from any such person(s) responsible for the attempt to the fullest extent permitted by law.

In the event of a dispute as to the identity of a potential winner, the winner will be declared, as determined solely by Credit Union’s records.

IN NO EVENT WILL PATRIOT OR ANY OF ITS DIVISIONS, AFFILIATES, EMPLOYEES, CONTRACTORS, SPONSORS, AGENTS, REPRESENTATIVES, AND PARTNERS BE RESPONSIBLE OR LIABLE FOR ANY DAMAGES, CLAIMS, OR LOSSES OF ANY KIND, INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF ANY PARTICIPATION OR ENTRY IN THIS CONTEST OR THE ACCEPTANCE OR USE OR MISUSE OF ANY AWARD.

Any disputes arising out of the Contest or these Official Rules will be governed in accordance with applicable federal laws and the laws of the state of Pennsylvania. Any disputes will be settled in the district, jurisdiction, and venue of Franklin County, Pennsylvania. ALL ENTRANTS WAIVE THEIR RIGHT TO A JURY TRIAL AND ADDITIONALLY WAIVE ANY RIGHT TO FORM AND/OR BRING A CLASS ACTION IN RELATION TO THIS PHOTO CONTEST TO THE EXTENT NOT PROHIBITED BY U.S. FEDERAL OR PENNSYLVANIA LAW.

Entrants and participants in the Contest (eligible or ineligible entrants and participants), shall not be entitled to claim, request, or receive any consequential, punitive, indirect, direct, special, incidental, or other damages for any reason. In the event of any damages awarded, such shall be strictly limited to direct and actual out-of-pocket expenses and costs, regardless of cause or reason. These limitations are void where prohibited. Credit Union and its divisions, affiliates, partners, sponsors, representatives, and agents expressly disclaim any and all liability, indirect or direct, regarding the entrant’s participation in the Contest, including but not limited to any chances of winning, and do not make any warranties of any kind as part of the Contest. Each entrant agrees to release, indemnify, and hold harmless Credit Union and any of its affiliates, sponsors, employees, volunteers, officers, directors, representatives, agents, and partners from and against any and all liability, claims, causes of action, losses, injury, demands, or damages (regardless of action, cause, or participation) resulting from the entrant’s actions, inactions, or participation in the Contest.

1. GENERAL: 

All eligible entrants represent that they have read these Official Rules and agree to be fully bound by them.

Only one (1) award will be awarded to a verified and eligible member and the award decision will be final. The winner will be randomly selected from the list of eligible entrants maintained on the Credit Union system.  The potential winner will be notified by Private Message on or around April 21, 2025.  If the potential winner randomly selected is not in compliance with these Official Rules, or fails to personally respond to Credit Union within two (2) calendar days of the initial Private Message notification from Credit Union or its representative, then Credit Union reserves the right to disqualify the winner and randomly select another potential winner.  If the foregoing occurs, then the initial potential winner will be considered to have forfeited their award. Potential winners do not need to be present to win.  The odds of winning depend on the total number of eligible entries on the Credit Union system.

If you have questions regarding the Contest, these Official Rules, or to obtain a copy of these Official Rules you may contact Patriot at 888-777-9982, write to us at ATTN:   Marketing Department PO BOX, 778 Chambersburg, PA 17201 or visit one of the convenient Credit Union branch locations. All entrants, participants, and potential winners of the Contest agree to strictly comply with and accept these Official Rules and the requirements of these Official Rules.