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Giveaway Terms and Conditions

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN.

The Giveaway (“Giveaway or Drawing”) is sponsored by First Federal Savings and Loan Association of Lorain (“FFSL” or “the Bank”). Each Giveaway is governed by these Official Rules (“Official Rules”). By participating in a Giveaway, each entrant agrees to abide by these Official Rules, including all eligibility requirements, and understands that the Giveaway results, as determined by FFSL and its agents or representatives, are final in all respects. The Giveaway is subject to all federal, state, and local laws and regulations and is void where prohibited by law. This promotion is in no way sponsored, endorsed, or administered by, or associated with any social media platform such as Facebook, Instagram, LinkedIn, TikTok, etc. Any questions, comments, or complaints regarding any promotion needs to be directed to FFSL, not to the social media platform.  

 ELIGIBILITY

  • The Giveaway offer is limited to Ohio residents aged eighteen (18) years of age or older.
  • FFSL employees, Board of Directors, Committee members, and all immediate family members are ineligible to participate in the Giveaway.
  • FFSL has the right to verify the eligibility of each entrant and, in its sole discretion, disqualify any individual from participating in the Giveaway. The Giveaway is void where prohibited.
  • The Giveaway and these Official Rules will be governed, construed, and interpreted in accordance with Ohio law and any applicable federal law.

GIVEAWAY PERIOD

  • The Giveaway begins and ends on the dates notated on the Bank’s corresponding Social Media Timeline. The deadline for entering the Giveaway is also found on the Bank’s corresponding Social Media Timeline.
  • All entries or submissions must be received on or before the time stated.
  • FFSL reserves the right to extend or shorten the Giveaway at their sole discretion.

HOW TO ENTER

  • You must enter the Giveaway directly through FFSL’s corresponding Social Media.
  • Entrants must follow all required rules of entry to participate in the Giveaway.
  • Rules may include “Liking” a post on FFSL’s corresponding Social Media Timeline or commenting on a Timeline as instructed. No post or tag etc., on a personal timeline will be considered.
  • After complying with the instructions and submitting the required information, the entrant will automatically be entered to win.
  • Entries are limited to one entry per person regardless of method of entry.
  • By entering, the entrant agrees to be bound by these Official Rules and by the decisions of FFSL.

WINNER SELECTION

  • All eligible entries received during the Giveaway Period will be gathered into a database at the end of the Giveaway Period.
  • A certain number of winners will be chosen at random by FFSL with the number notated on the Bank’s corresponding Social Media Timeline. Some Giveaways may have as few as one (1) winner but may have more than one as announced.
  • The winner(s) will be announced after the Giveaway Period ends. Announcements and instructions for prize collection will be sent via a posting on FFSL’s corresponding Social Media Timeline.
  • The prize or prizes shall be selected at the discretion of FFSL and will be notated on the Bank’s corresponding Social Media Timeline with other applicable information.
  • Each entrant is responsible for monitoring the Bank’s social media for posts regarding prize notification and receipt or other communications related to the Giveaway or as specifically stated in the current or then in effect Giveaway rules.
  • FFSL may at its discretion contact winners using email, social media messaging or by comment on a Post.
  • Potential winners must pick up or claim their prize within five (5) business days of the Winner Announcement, otherwise they forfeit the prize. No alternate winners will be selected.

SOCIAL MEDIA GIVEAWAYS AND DRAWINGS The number of Giveaways, prizes, and winners is at the discretion of FFFSL. Specific details relevant to a particular Giveaway are posted on the corresponding FFSLs Social Media Timeline.

PRIZES, TAXES AND LIMITATIONS Prizes may consist of tickets for entry to a local venue or include gift cards or other items announced by FFSL. Terms and conditions may apply. Incidental expenses and all additional costs and expenses that are not explicitly listed as part of a prize in these Official Rules and 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. All federal, state, and local taxes associated with the receipt or use of any prize are solely the winner’s responsibility. FFSL will not be responsible for reporting any winnings to the IRS. Odds of winning depend on the total number of entries received.

ADDITIONAL LIMITATIONS Prize(s) is non-transferable. No substitution or cash equivalent of prizes is permitted. FFSL, its agents, and representatives are not responsible for any typographical or other errors in the Offer or administration of the Giveaway 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 Giveaway is unlawful and subject to possible legal action by FFSL. FFSL reserves the right to terminate, suspend or amend the Giveaway, without notice, and for any reason, including, without limitation, if FFSL determines that the Giveaway cannot be conducted as planned or should a virus, bug, tampering or unauthorized intervention, technical failure or other cause beyond FFSL’s control corrupts the administration, security, fairness, integrity or proper play of the Giveaway. If any tampering or unauthorized intervention may have occurred, FFSL reserves the right to void suspect entries at issue. FFSL and its agents, and representatives, and any telephone network or service providers, are not responsible for inaccurate transcription of entry information or for any human error, technical malfunction, lost or delayed 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, LIMITATION OF LIABILITY AND USE OF PLATFORM

By entering the Giveaway, each entrant agrees to indemnify, release and hold harmless FFSL and its agents and representatives, the social media 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 Giveaway and the acceptance, use or misuse of any prize that may be won waiving any and all causes of action related to any claims, costs, injuries, losses or damages of any kind arising out of, or in connection with, directly or indirectly, the Giveaway, drawing, prize, acceptance, possession, use of, or inability to use any prize (including) without limitation, claims, costs, injuries, losses and damages related to personal injuries, death, damage to or destruction of property, rights of publicity, privacy or defamation, whether intentional or unintentional) whether under a theory of contract, tort (including negligence), warranty, or other theory. FFSL does not collect users’ content or information, or otherwise access Social Media Platforms, using automated means (such as harvesting bots and robots) or deploy the use of an automated system to generate invites, etc. FFSL does use Social Media platforms for the promotion of commercial business, interaction with customers and potential customers alike as a means to promote its commercial enterprise.

If a subject prize is within the control of a third party, or if the prize consists of the obligation of a third party to perform (e.g., without limitation, a coupon, a gift card from a retailer, or a ticket to an event), then FFSL assigns all rights to performance and all entitlement to the prize winner. However, FFSL does not guarantee the third-party’s performance. The prize winner agrees that FFSL is not liable or responsible to the prize winner for the failure of the third party to perform. FFSL and its agents and representatives do not make any warranties, express or implied, as to the prize’s condition, fitness, or merchantability.

FFSL and its agents and representatives, 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 Giveaway.

FFSL reserves the right to change these Official Rules at any time, without prior notice, and in its sole discretion to suspend or cancel the Giveaway or any entrant’s participation in the Giveaway.

RELEASE

Upon the request of FFSL, the potential winner will be required to return a Release and Prize Acceptance Form. The winner is responsible for all applicable state, federal and local taxes associated with the prize(s) if any. If a potential winner fails to comply with these Official Rules, that potential winner will be disqualified. Prizes may not be awarded if an insufficient number of eligible entries are received. All prizes are non-transferrable.

PUBLICITY

By participating, each entrant or winner grants FFSL permission to use their name, likeness, photo, voice, image, statements, or comments for publicity purposes including web, television, and print without payment of additional consideration, further authorization, or notification; except where prohibited by law.

NO ENDORSEMENT OR SPONSORSHIP

FFSL generally obtains prizes by purchase or donation from sellers. FFSL’s offering of a prize, or use of the logo of others to publicize the prizes, does not suggest the endorsement, sponsorship, affiliation, association, or authorization by the third-party companies or entities.

ENFORCEABILITY

If any portion of these Official Rules is determined to be unenforceable, it will not invalidate the other terms and provisions of these Official Rules. Any unenforced terms or conditions of these Official Rules will not constitute a waiver of any of the terms mentioned above an all remaining terms and conditions of these Official Rule will remain in full force and effect. Only a written, signed amendment, agreement, waiver or like-kind construction wills constitute a waiver of these Official Rules by FFSL.

ALTERNATIVE WAYS TO ENTER GIVEAWAYS

For an alternative way to enter- Online Entry

QUESTIONS OR COMMENTS?

Any questions or comments regarding this Giveaway should be directed to the FFSL Marketing Department by email at Customer.Service@fflorain.bank .

Winners List

To obtain a copy of the Winners’ names or a copy of these Official Rules, mail your request along with a stamped, self-addressed envelope to: First Federal Savings and Loan Association of Lorain, Attention Marketing, 3721 Oberlin Ave, Lorain, Ohio US. Requests must be received no later than 10 days after the Giveaway has ended.

Privacy Notice

By entering this giveaway, you give us permission to use your name and email address to run the contest and pick a winner. We will not sell your data or share it with outside groups, except to deliver the prize.