2019 NFM Lending NJ239 Giveaway Rules – Gift Card

Official Rules

Please read these Official Contest Rules before entering this promotion (the “Promotion”) held by NFM, Inc. d/b/a/ NFM Lending®’s Swedesboro, NJ branch NJ239, (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.


Eligibility: The Promotion is open only to individuals, who are legal residents of the United States, 18 years of age or older, and who meet the requirements for contest entry (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 Periods: 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: The winner will receive a $25 gift card. Giveaway begins at 12am EST on 9/4/19 and ends at 11:59pm EST on 9/30/19. Email nrosenzweig@nfmlending.com with any questions. To be eligible to win, participant must complete all components of entering. Alternatively, to enter without completing the components of entering, 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: “2019 Gift Card Giveaway”, NFM Lending, NJ239 Attn: Contest Representative, 1524 Kings Highway. Swedesboro, NJ 08085. 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

The winner will be determined by a random drawing conducted by a representative of NFM Lending, NJ239 branch. The winner will be announced by 11:59pm EST on 10/01/19. Odds of winning depends on the number of entries. The winner will be contacted via email regarding the prize. Prize will be mailed/emailed within 30 days of obtaining mailing address from the winner. This promotion is in no way sponsored, endorsed, or administered by, or associated with Instagram. You understand that you are providing your information to the owner of this Instagram page and not to Instagram.

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 a Promotion Period.

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 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, mis-delivery, 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. If any provision of these Official Rules is deemed unenforceable by a court of competent jurisdiction, it shall not affect the enforceability of the remainder of these Official Rules to the extent permissible. 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 New Jersey. 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, please email nrosezweig@nfmlending.com

Sponsor: NFM, Inc. d/b/a NFM Lending®, branch NJ239 located at 1524 Kings Highway, Swedesboro, NJ 08085.

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