2016 NFM Lending Review Sweepstakes

Official Rules

Please read these Official Contest Rules before entering this promotion (the “Promotion”) held by NFM, Inc. d/b/a/ NFM Lending® (the “Sponsor”). By participating in the Promotion, you agree to be bound by these Official Rules and represent that you satisfy all of the eligibility requirements below.

ZILLOW® is a registered trademark owned by ZILLOW, INC., 1301 Second Avenue, Floor 31, Seattle, WA 98101


Eligibility: The Promotion is open only to individuals, who are legal residents of the 50 United States or District of Columbia, 18 years of age or older (or the age of majority in entrant’s state of residence), and who submitted a review during the Promotion Period (defined in the next paragraph). If you do not meet any of these requirements or any other eligibility requirements in these Official Rules, you are not eligible to win a prize, and the Sponsor reserves the right not to award prizes to you. Directors, officers, and employees of the Sponsor and/or those living in the same household of each, are not eligible to win. Promotion is subject to all applicable federal, state, and local laws and regulations, and is void where prohibited.

Promotion Period: There will be one Promotion Period (unless the Promotion is amended or terminated at Sponsor’s sole discretion). The Promotion Period is:

From 12:00 a.m. (all times Eastern Time) on October 3, 2016 until 11:59 p.m. on December 31, 2016;

Except as otherwise expressly stated below (for mail-in entries), all entries must be received during the Promotion Period to be eligible to win the respective prize.

Entry: Visit the corresponding NFM Loan Originator or NFM Lending Zillow® profile and complete and submit a review form relating to your mortgage experience. Note that all reviews are subject to the Zillow®’s review policies. If your review does not comply any of Zillow® policies, Zillow® may choose not to post your review, in which case you will not be entered into the Promotion. Alternatively, to enter without submitting a review on Zillow®, clearly hand-print your full name, mailing address, e-mail address, and daytime phone number on a letter, and mail that letter in a hand-addressed envelope to the Sponsor at: “2016 NFM Lending Review Sweepstakes”, NFM Lending, Attn: PR Department, 505 Progress Drive, Suite 100, Linthicum, MD 21090. Mail-in entries must be postmarked no later than the last day of a Promotion Period and received within seven (7) days after the last day of such Promotion Period to be eligible during that Promotion Period. Only ten (10) entries per person per Promotion Period will be entered. Entries become the property of the Sponsor and will not be returned.

Prize: One (1) winner from the Promotion Period will receive a $250 VISA® gift card. Sponsor reserves the right to substitute a prize of equal or greater value in its sole discretion. Odds of winning depend on number of eligible entries received during the Promotion Period.

Random Drawing: A winner will be selected in a random drawing from all eligible entries to be held no later than two (2) weeks after the end of the Promotion Period. The winner will be notified by U.S. mail and/or email within four (4) weeks after the last day of the Promotion Period. The prize winner will be required to execute an affidavit of eligibility and liability/publicity release within seven (7) days following the date of attempted notification. The prize will be awarded within thirty (30) days after winner verification. If a prize notification is returned as undeliverable, it will result in disqualification, and the prize will be awarded to an alternate winner in a separate random drawing. Prizes are not assignable or transferable, except to a surviving spouse. Prizes will be delivered via U.S. mail to the address provided in the affidavit of eligibility and liability/publicity release, unless otherwise stated by the prize winner.

The prize is awarded “AS IS” and WITHOUT WARRANTY OF ANY KIND, express or implied. No substitutions or exchanges (including for cash) of any prize will be permitted, except that the Sponsor reserves the right to substitute a prize of equal or greater value. The winner is responsible for all federal, state, local, sales and income taxes associated with receipt and/or use of any prize. Entry and acceptance of any prize constitutes permission to use winner’s name, prize won, office affiliation, hometown and likeness for online posting and promotional purposes without further compensation, except where prohibited by law. Unless prohibited by law, winner will be required to sign and return an affidavit of eligibility, liability release, publicity release, tax forms, and other reasonable documentation provided by the Sponsor before being awarded a prize. If winner does not execute such documentation upon request, their prize will be forfeited and the prize will be awarded to an alternate winner. The prize is guaranteed to be awarded.

General: Sponsor will not be responsible for late, lost, illegible, incomplete, damaged or misdirected entries and accepts no responsibility for any injury, loss, or damage of any kind resulting from an entrant’s participation in the Promotion. By entering the Promotion, each entrant agrees to these Official Rules and waives, and releases the Sponsor and the Sponsor’s subsidiaries, and affiliated companies, and all other businesses involved in this Promotion, as well as the employees, officers, directors and agents of each, from, all claims, costs, injuries, losses, or damages of any kind arising out of or in connection with the Promotion or delivery, misdelivery, acceptance, possession, use of or inability to use the prize (including, without limitation, claims, costs, injuries, losses and damages related to personal injuries, death, damage to or destruction of property, whether intentional or unintentional), whether under a theory of contract, tort (including negligence), warranty or other theory. Sponsor reserves the right to amend these Official Rules or to terminate this Promotion. Any provision of these Official Rules deemed unenforceable will be enforced to the extent permissible, and the remainder of these Official Rules will remain in effect. Sponsor is not responsible for any typographical or other error in the printing or delivery of any Promotion materials, administration of the Promotion or in the announcement of any prize. The Promotion and these Official Rules will be governed, construed and interpreted under the laws of the state of Maryland. Entrants agree to be bound by these Official Rules and by the decisions of Sponsor, which are final and binding in all respects.

Winners List; Rules Request: For a winners list, visit our winners list page or send a self-addressed, stamped, business-size envelope anytime between four (4) weeks after the last day of a Promotion Period and one (1) year after the last day after a Promotion Period, to Sponsor at: “2016 NFM Lending Review Sweepstakes”, NFM Lending, Attn: PR Department, 505 Progress Drive, Suite 100, Linthicum, MD 21090. To obtain a copy of these Official Rules, visit the Official Rules page or send a stamped, self-addressed, business-size envelope to Sponsor at the address aforesaid. Residents of WA and VT may omit return postage.

Sponsor: NFM, Inc. d/b/a NFM Lending®, 505 Progress Drive, Suite 100, Linthicum, MD 21090.

Confidentiality: Information provided by you to participate in this Promotion is subject to the Sponsor’s Privacy Policy.