2019 Home Lending Research Sweepstakes

Individuals who during any portion of the Entry Period are employees of Sponsor, its parent company, affiliates, subsidiaries, advertising & promotion agencies, sweepstakes prize providers, persons engaged in the development, production or distribution of Sweepstakes materials, and agents/representatives thereof, and members of such employees’ immediate families, defined as spouses, parents, grandparents, children, and siblings (whether such family members are biological, adoptive, step or in-law) and their respective spouses, and those living in the same household of such employees are not eligible to enter.

If more than one entry is received from the same person, all entries submitted from said person may be disqualified. Entries (including survey data) become the property of Epsilon Data Management, LLC (“Sponsor”) and will not be acknowledged or returned. Proof of submission is not proof of receipt by Sponsor. Sponsor reserves the right to void all entries made through any robotic, automatic, mechanical, programmed or similar entry duplication method and to disqualify any individual using such method. Entrants may not enter with multiple e-mail addresses or use any device or artifice to register multiple times or as multiple registrants. Any entrant who attempts to enter with multiple e-mail addresses under multiple identities or uses any device or artifice to enter multiple times may be disqualified and forfeits any and all prizes won, in Sponsor’s discretion. In the event of a dispute as to the identity of an entrant, such entry will be deemed made by the authorized account holder of the e-mail address at the time the e-mail invitation is sent. Any entries not in compliance with these Official Rules will be disqualified. By entering, entrants agree to be bound by these Official Rules.

Released Parties are not responsible for: (i) electronic transmissions and/or entries that are lost, late, stolen, incomplete, illegible, damaged, garbled, destroyed, misdirected, postage due, or not received by the Sponsor or its agents for any reason, (ii) any problems or technical malfunctions, errors, omissions, interruptions, deletions, defects, delays in operation or transmission, communication failures or human error that may occur in the transmission, receipt or processing of entries, or for destruction of or unauthorized access to, or alteration of, entries, (iii) failed or unavailable hardware, network, software or telephone, cable or satellite transmissions, damage to entrants’ or any person’s computer and/or its contents, or causes beyond Sponsor’s reasonable control that jeopardize the administration, security, fairness, integrity or proper conduct of the Sweepstakes; (iv) any entries submitted in a manner that is not expressly allowed under these Official Rules; or (v) any injury, losses, harm, damages, costs and/or expenses arising from or in connection with participation in this Sweepstakes and its administration, and the acceptance and use of the prize or any portion thereof, including, without limitation, any personal injury or death.

All incomplete or non-conforming entries will be disqualified. The Released Parties are not responsible for electronic communications that are undeliverable as a result of any form of active or passive filtering of any kind, or insufficient space in entrant’s e-mail account to receive e-mail messages. Further, Released Parties are not responsible for late, lost, damaged, false, incorrect, changed, incomplete or illegible contact information or unsuccessful efforts to notify the potential Winner.

Sponsor and its agents are further not responsible for incorrect or inaccurate entry information whether caused by Internet users or by any of the equipment or programming associated with or utilized in the Sweepstakes or by any technical or human error which may occur in the transmission, receipt or processing of the entries.  Sponsor and its agents are not responsible for any errors, misprints, or typographical mistakes in any printed or electronic advertising of the Sweepstakes. If for any reason the Sweepstakes is not capable of running as planned, or if the Sweepstakes or any Web site associated therewith (or any portion thereof) becomes corrupted or does not allow the proper playing of the Sweepstakes and processing of entries per these Official Rules, or if infection by computer virus, bugs, tampering, unauthorized intervention, actions by entrants, fraud, technical failures, or any other causes, in Sponsor’s sole opinion, corrupt or affect the administration, security, fairness, integrity, or proper conduct of the Sweepstakes, Sponsor reserves the right, at its sole discretion, to disqualify any individual implicated in such action, and/or to cancel, terminate, modify or suspend the Sweepstakes (or any portion thereof). In the event the Sweepstakes (or any portion thereof) is cancelled, Sponsor will notify entrants by email and Sponsor reserves the right to conduct a random drawing to award the Prizes from among all eligible, non-suspect, entries received prior to the time of the action or event warranting such cancellation. No more than the stated number of Prizes will be awarded. If a printing, technical or any other error occurs that results in more potential winners than available prizes, Sponsor may elect to hold a random drawing from among all eligible potential prize winners to award the indicated number of prizes in dispute.

CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE ANY WEB SITE, SURVEY PLATFORM OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS, AND SHOULD SUCH AN ATTEMPT BE MADE, THE SPONSOR RESERVES THE RIGHT TO DISQUALIFY ANY SUCH PERSON AND SEEK DAMAGES FROM HIM/HER TO THE FULLEST EXTENT PERMITTED BY LAW.