Campaign Terms & Conditions:

1. NO PURCHASE NECESSARY. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED BY LAW. ALL FEDERAL, STATE AND LOCAL LAWS AND REGULATIONS APPLY.

2. PARTICIPATION CONSTITUTES ACCEPTANCE OF RULES AND DECISIONS, CONSENT TO USE AND RELEASE OF CLAIMS. By entering this contest, each participant warrants that he or she has read and agrees to abide by all contest rules and that he or she is not prohibited from participating in the contest. Participation in this contest constitutes participant’s full and unconditional acceptance of these Official Rules and the decisions of Patelco Credit Union (“Patelco”), affiliates, employees and agents, which are final, binding and non-negotiable in all respects. Each participant agrees to release, discharge, indemnify and hold harmless Patelco and its affiliates, shareholders, employees, officers, directors, agents, representatives, advertising and promotion agencies and prize suppliers from any liability arising from or related to the contest, including without limitation, (a) unauthorized human intervention in the contest; (b) technical errors related to computers, servers, providers, or telephone or network lines; (c) copyright printing errors; (d) personal injury, death, and property damage; and (e) claims based on publicity rights, defamation, or invasion of privacy. Further, participants fully and unconditionally release all claims for consideration, copyright infringement and all other claims of any nature relating to the use of their entry, name or likeness.

3. ELIGIBILITY: The photo submission contest is open to Patelco members and/or full-time/part-time (non-contract) Patelco Employees only. The online voting period (“Voting Period”) is open to all individuals. Agents, independent dealers and affiliates of Patelco and its agents, affiliates and immediate family members of all such persons, are not eligible to participate in this contest unless they are a current Member. Patelco reserves the right, at its sole discretion, to cancel, terminate, suspend, or amend this contest at any time for any reason. Patelco further reserves the right to amend these contest rules at any time without prior notice, at its sole discretion. Patelco reserves the right to disqualify any participant for any reason, including, but not limited to, violation of these Official Rules, copyright infringement or infringement of the rights of a third party.

4. TO ENTER: Individuals who are eligible (see above section 3) may submit up to 1 entry per email address during the duration of the entry period, November 1, 2019 through November 23 at 11:59PM. The entry period closes at 11:59PM on November 23 while voting will be open until November 24 at 11:59PM. Photos must not contain people and must be submitted through Patelco’s partner website. Eligible entries will be judged by a panel designated by Patelco.

5. TO VOTE: 12 Finalists will be chosen via voting through the partner website’s online gallery. Individuals may cast one vote IP address per day for the duration of the online voting period, November 1 – November 24, 2019. (“Voting Period”). Patelco reserves the right to remove from the contest website and disqualify any entry which Patelco, in its sole discretion, determines to be offensive, illegal, in violation of any privacy or other third party rights, or for any other reason.

6. PRIZES: There will be 12 finalist winners chosen. Photos that receive a total of 50+ votes will be eligible to be chosen for our top 12 (total number of votes by application) will be featured on the front cover of the calendar and eleven other photos will be chosen and included within the calendar months. All 12 contest finalists will receive a $100 gift card to Petco® and their contest entry will be featured on the front cover (finalist with most votes) of the calendar and featured on one of the months inside the calendar.

The odds of winning the grand prize will depend on the number of entries received and then the number of votes received.

The winners are responsible for taxes for the receipt of the gift cards and any and all other costs and expenses not listed above. All decisions of Patelco in this contest are final, binding and non-negotiable. No prize may be transferred or substituted.

7. IDENTIFICATION OF POTENTIAL WINNER. Patelco will notify the potential winners by email address with the information on file for the winner on or about the week of November 25, 2019. If unable to make contact with the winners within ten (10) days after Patelco’s first attempt to notify the winners, or if the winners fail to claim the prize in accordance with these Official Rules, the winners forfeit the prize. To accept and receive the prize, the winners must sign and return to Patelco a copy of the official affidavit, a form provided by Patelco releasing Patelco from all claims, and any other documentation deemed necessary in Patelco’s sole discretion no later than December 7, 2019.

The winner’s name may also be posted at www.patelco.org and in other printed and non-printed media.

8. SPONSOR: This contest is sponsored by Patelco Credit Union.

9. MISCELLANEOUS. By entering this contest, participants consent to Patelco’s use of their name, likeness, image and biographical data for advertising and promotional purposes without additional compensation, except where prohibited by law. BECAUSE PERSONAL INFORMATION FROM PARTICIPANTS WILL BE COLLECTED BY ENTERING THIS CONTEST, PARTICIPANTS SHOULD REVIEW Patelco’s Privacy Policy, which can be found at www.patelco.org. By entering this contest, participant authorizes Patelco to contact participant for commercial purposes via mail, telephone, or e-mail address listed on the participant’s entry form. There will be no use of participant’s name or other personal information for future commercial purposes except as in accordance with Patelco’s Privacy Policy. Patelco will not be held liable to any person for any personal injury, property damage or other loss, damage, injury or expense resulting from a winner’s acceptance or use of a prize. This Agreement is governed by the laws of the State of California, without giving effect to conflicts of law rules.