SURVEY SWEEPSTAKES

OFFICIAL RULES

NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. ODDS OF WINNING WILL DEPEND ON THE TOTAL NUMBER OF ELIGIBLE ENTRIES RECEIVED FOR THE APPLICABLE SWEEPSTAKES. VOID WHERE PROHIBITED BY LAW.

The “OppLoans Survey Sweepstakes” (the “Sweepstakes”) begins at 12:00 AM Eastern Time (“ET”) on Wednesday March 28, 2018 and ends at 11:59 PM ET on Wednesday April 11, 2018 (the “Sweepstakes Entry Period”).

ELIGIBILITY: Sweepstakes is open to legal residents of the 50 United States and the District of Columbia, age 18 and older at time of entry. Employees of Opportunity Financial, LLC (the “Sponsor” and “Administrator”), and its affiliates, advertising and promotion agencies, retailers, distributors, and their immediate family members and/or those living in the same household of each are not eligible to enter or win. Sweepstakes governed by U.S. law. Sweepstakes is subject to all applicable federal, state and local laws and regulations. Void where prohibited by law.

HOW TO ENTER: There are two methods of entry:

Entry Method #1: To enter online, follow all onscreen entry instructions to complete and submit the survey/entry. Your email address (“Entry Information”) will then be used to enter you into the sweepstakes. To be eligible, your survey/entry must be received by Sponsor between 12:00 AM ET on Wednesday March 28, 2018 and 11:59 PM ET on Wednesday April 11, 2018. Online entrants subject to all notices posted online including but not limited to Sponsor’s privacy policy, available at  opploans.com/licenses/opploans-privacy-policy/. In the event of a dispute, entries will be deemed to have been submitted by the Authorized Account Holder (as defined below) of the email address included in the Entry Information. “Authorized Account Holder” means the natural person who is assigned to an email address by an internet access provider, online service provider, or other organization that is responsible for assigning email addresses for the domain associated with the submitted email address.

Entry Method #2: To enter via U.S. mail and without completing the survey, mail a postcard hand-printed with your name, complete mailing address, phone number and email address to: OppLoans Survey Sweepstakes Entry, c/o: OppLoans, 130 East Randolph Street, Suite 3400, Chicago, IL, 60614. Each postcard entry must be mailed separately and postmarked between Wednesday March 28, 2018 and Wednesday April 11, 2018 and received by Monday April 16, 2018. Incomplete postcard entries will be disqualified.

Limit: One entry per person regardless of method of entry. Photocopied, illegible, or mechanically reproduced entries are not eligible. All entries and requests become Sponsor’s property and will not be returned or acknowledged. Sponsor is not responsible for lost, late, damaged, misdirected and/or postage due mail.

PRIZES: One (1) winner will receive a Visa $50.00 gift card, awarding in the form of a code for download (approximate retail value: $50.00 each prize). Winners will be given instructions on how to redeem prizes. Visa gift card terms and conditions apply. Maximum value of all prizes: $50.00.

ODDS: Odds of winning depend on number of eligible entries received during the Sweepstakes Entry Period.

RANDOM DRAWING & WINNER NOTIFICATION: Winners will be selected in a random drawing on or about Tuesday April 17, 2018 from all eligible entries received during the Sweepstakes Entry Period, by a representative from the Sponsor (“Judges”) whose decisions are final. Winners will be notified by email on or about Wednesday April 18, 2018. In order to receive a prize, at the Sponsor’s discretion, the winners will be required to reply with mailing address information and/or other eligibility document(s) and information, including but not limited to providing proof of identity, which must be returned within seven (7) days of date indicated on the email notification. If a potential winner does not reply and/or return the required information within such seven (7) day period, or if said notification email is returned as undeliverable, or if an entrant is otherwise found to be ineligible, for any reason by the Sponsor, or if the selected winner cannot accept or receive the prize for any reason, the potential winner will forfeit the corresponding prize and an alternate winner may be selected. The Sponsor reserves the right to modify the notification procedures in connection with the selection of an alternate winner, if any. Each winner will be sent a confirmation of winning within seven (7) days of judges’ receipt of valid mailing information. Prizes are non-transferable and no substitution by any winner is allowed. Sponsor reserves the right to substitute a prize or portion of prize with another prize of equal or greater value at its sole discretion. All fees, federal, state, local and income taxes or other expenses relating to the use, acceptance and possession of prizes are the sole responsibility of the winners. If a winner is otherwise eligible under these Official Rules, but is nevertheless deemed a minor in his or her state of primary residence, the prize will be awarded in the name of winner’s parent or legal guardian who must sign and return any required eligibility documents on behalf of the minor. Entry and acceptance of a prize constitutes permission (except where prohibited by law) to use each winner’s first and last name, prize won, hometown and likeness for online posting and promotional purposes without further compensation.

GENERAL: Participating entrants agree to these Official Rules and the decisions of the judges and the Sponsor, 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, from all claims and liability relating to their participation, acceptance and use of prize. Winners assume all liability for any injury or damage caused or claimed to be caused, by participation in this sweepstakes or use or redemption of any 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 any prize. Sponsor is not responsible if Sweepstakes cannot take place or if prizes cannot be awarded due to cancelations, delays or interruptions due to acts of God, acts of war, natural disasters, weather or acts of terrorism. Persons who tamper with or abuse any aspect of the Sweepstakes or website or attempt to undermine the legitimate operation of the Sweepstakes by cheating, deception or other unfair playing practices, or intend to annoy, abuse, threaten or harass any other entrant or any representative of Sponsor or who are in violation of these Official Rules, as solely determined by Sponsor, will be disqualified and all associated entries will be void. Any attempt to deliberately damage the content or operation of any Sweepstakes is unlawful and subject to legal action by Sponsor and/or its agents. Sponsor shall have the sole right to disqualify any entrant for violation of these Official Rules or any applicable laws relating to the Sweepstakes, and to resolve all disputes in its sole discretion. Released Parties (a) make no warranty, guaranty or representation of any kind concerning any Prize (or any portion thereof), and (b) disclaim any implied warranty. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision.

Sponsor reserves the right, in its sole discretion, to cancel or suspend any Sweepstakes (or any portion thereof) should virus, bugs, unauthorized human intervention, or other causes corrupt administration, security, fairness, integrity or proper operation of the Sweepstakes (or any portion thereof). In the event of cancellation, Sponsor may elect to identify the Winner(s) and award the Prize(s) by way of random drawing from among all non-suspect, eligible entries received up to the time of such cancellation. Sponsor reserves the right, in its sole discretion, to modify these Official Rules for clarification purposes without materially affecting the terms and conditions of the Sweepstakes or discontinue any Sweepstakes at any time without notice.

DISPUTES: As a condition of entering any Sweepstakes, each entrant agrees that (a) any and all disputes, claims, controversies or causes of action arising out of or relating to any Sweepstakes, or any prizes awarded (each, a “Claim”), shall be (i) arbitrated on an individual basis only, and shall not be consolidated or joined with or in any arbitration or other proceeding involving a Claim of any other party, and (ii) settled by binding arbitration in Chicago, Illinois before a single arbitrator appointed by the American Arbitration Association in accordance with its then governing rules and procedures, and judgment on the award rendered by the arbitrator may be entered by any court having jurisdiction thereof; and (b) under no circumstance will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim, punitive, incidental, consequential or any other damages, other than for actual out-of-pocket expenses. These Official Rules shall be governed by and construed and interpreted in accordance with the laws of the Cook County, State of Illinois, U.S.A., applicable to contracts entered into and performed exclusively in that State.
ENTRANTS HEREBY WAIVE THEIR RIGHT TO JURY TRIAL WITH RESPECT TO ALL CLAIMS AND ISSUES ARISING OUT OF OR RELATING TO THIS AGREEMENT WHETHER SOUNDING IN CONTRACT OR TORT.

DATA COLLECTION/PRIVACY POLICY: Entry in the Sweepstakes constitutes consent by each Entrant to the collection of his/her personal information within the United States, and/or the transfer of your personal information to the United States, for purposes of administration of the Sweepstakes by Sponsor, Sweepstakes Administrator and their authorized agents, and for such other purposes to which you may consent, or as otherwise described in these Official Rules. All information submitted to Sponsor or Sweepstakes Administrator as part of this Sweepstakes will be treated in accordance with Sponsor’s privacy policy, available at opploans.com/licenses/opploans-privacy-policy/. More specifically, Sponsor may collect information that you provide to enter the Sweepstakes and will use personal information you provide to enter the Sweepstakes to actually conduct the Sweepstakes. Sponsor may further use the personal information to send you information about Sponsor or Sponsor’s products. Sponsor may also provide the personal information you provide to enter this Sweepstakes to the Sweepstakes Administrator and third party fulfillment companies so that such companies may process and deliver prize to winners.

WINNERS LIST: For the names of the winners, send a stamped, self-addressed envelope by Thursday May 17, 2018 to: OppLoans Survey Sweepstakes Winner, c/o: OppLoans, 130 East Randolph Street, Suite 3400, Chicago, IL, 60614.

NOTICE TO ONLINE ENTRANTS: Entry materials/data that have been tampered with or altered, or mass entries or entries generated by a script, macro or use of automated devices are void. The Sponsor is not responsible for: (i) lost, late, misdirected, damaged or illegible entries; or (ii) error, omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction or unauthorized access to or alterations of entry materials, or for technical, network, telephone equipment, electronic, computer, hardware or software malfunctions of any kind, or inaccurate transmission of or failure to receive entry information by Sponsor on account of technical problems or traffic congestion on the Internet or at any web site or any combination thereof; or (iii) any injury or damage to entrant’s or any other person’s computer related to or resulting from participating in the Sweepstakes. By participating in the Sweepstakes, you (i) agree to be bound by these Official Rules, including all eligibility requirements, and (ii) agree to be bound by the decisions of Sponsor and the Sweepstakes Administrator, which are final and binding in all matters relating to the Sweepstakes. Failure to comply with these Official Rules may result in disqualification from the Sweepstakes. Sponsor reserves the right to: (i) permanently disqualify from any sweepstakes it sponsors any person it believes has intentionally violated these Official Rules; and (ii) withdraw the online method of entry if it becomes technically corrupted (including if a computer virus or system malfunction inalterably impairs its ability to conduct the Sweepstakes), and to select winners from among all eligible entries received prior to withdrawal.
CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE ANY WEBSITE ASSOCIATED WITH THE SWEEPSTAKES OR UNDERMINE THE CONTENT OR LEGITIMATE OPERATION OF ANY SWEEPSTAKES MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR WILL DISQUALIFY ANY ENTRANT RESPONSIBLE FOR THE ATTEMPT, AND SPONSOR AND/OR ITS AGENTS RESERVE THE RIGHT TO SEEK DAMAGES (INCLUDING ATTORNEYS’ FEES) AND OTHER REMEDIES FROM ANY PERSON OR PERSONS RESPONSIBLE FOR THE ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW.

SPONSOR: The Sponsor of this Sweepstakes is Opportunity Financial LLC, 130 East Randolph, Ste. 3400, Chicago, IL 60603.

The OppLoans trademarks, service marks, and copyrights are proprietary to the Sponsor. All rights reserved.