Heartland Financial Group, Inc., its subsidiaries and affiliated companies (together, the “Company”), will conduct its contests substantially as described in these general contesting rules, and by participating, each participant agrees as follows:
- Prize(s). The prize(s) that may be awarded to the eligible winner(s) are not transferable, redeemable for cash or exchangeable for any other prize. All prizes must be redeemed within 30 days of the contest end date unless otherwise stated in the contest’s official rules. Often prizes are date specific (i.e. concerts, trips) and the winner or winners must be available on the dates specified. If a winner cannot be contacted or is disqualified for any reason, the Company reserves the right to determine an alternate winner or not to award that winner’s prize, in its sole discretion.
- Eligibility and Limitations. Participants and winner(s) must be U.S. residents.
- Communication/Delivery Disclaimer. The Company disclaims all liability for the inability of a participant to complete or continue a telephone call due to equipment malfunction, busy lines, inadvertent disconnections, acts beyond the Company’s control, or otherwise. For all
contests
the Company disclaims all liability for any delays, misdelivery, loss, or failure in the delivery of any item sent by mail, courier, express, electronic transmission, or
other delivery method
. The Company is not responsible for mechanical, technical, electronic, communications, telephone, computer, hardware or software errors, malfunctions or failures of any kind, including: failed, incomplete, garbled or delayed transmission of online entries, traffic congestion on telephone lines, the Internet or at any website or lost or unavailable network connections which may limit an online entrant’s ability to participate in the Contest, and any injury or damage to entrant’s or any other person’s computer related to or resulting from participating in or downloading any information necessary to participate in the Contest.
- PR, Publicity, Promotion; Use of Personal Information. By participating in a contest, where allowed by law, all participants and winner(s) grant the Company exclusive permission to use their names, characters, photographs, voices, and likenesses in connection with
promotion
of this and other contests and waive any claims to royalty, right, or remuneration for such use. By participating in the Contest, where allowed by law, participants agree that the Company may disclose personal information obtained from participants in the Contest to third parties and use such information for marketing and other purposes.
- Release. By participating in the Contest, each participant and winner waives any and all claims of liability against the Company, its employees and agents, the Contest’s sponsors and their respective employees and agents, for any personal injury or loss which may occur from the conduct of, or participation in, the Contest, or from the use of any prize. In order to receive a prize, participants must sign an official waiver form provided by the Company.
- Taxes. Any valuation of the prize(s) stated above is based on available information provided to the Company, and the value of any prize awarded to a winner may be reported for tax purposes as required by law. Each winner is solely responsible for reporting and paying any and all applicable taxes related to the prize(s) and paying any expenses associated with any prize which are not specifically provided for in the official rules. Each winner must provide the Company with valid identification and a valid taxpayer identification number or social security number before any prize will be awarded. Any person winning over $600 in prizes from the Company will receive an IRS form 1099 at the end of the calendar year and a copy of such form will be filed with the IRS.
- Conduct, Judging, and Decisions. By participating in the Contest, participants agree to be bound by the decisions of Company personnel. Persons who violate any rule, gain
unfair
advantage in participating in the Contest, or obtain winner status using fraudulent means will be disqualified. Unsportsmanlike, disruptive, annoying, harassing or threatening behavior is prohibited. The Company will interpret these rules and resolve any disputes, conflicting claims or ambiguities concerning the rules or the Contest and the Company’s decisions concerning such disputes shall be final. If the conduct or outcome of the Contest is affected by human error, any mechanical malfunctions or failures of any kind, intentional interference or any event beyond the control of the Company, the Company reserves the right to terminate this Contest, or make such other decisions regarding the outcome as the Company deems appropriate. All decisions will be made by the Company and are final. The Company may waive any of these rules in its sole discretion.
- Miscellaneous. Void where prohibited. Odds of winning depend upon the number of participants. Each winner must submit proof of eligibility and sign the Company’s release form to claim the prize. The Company may substitute prizes, amend the rules or discontinue the Contest at any time. The Company disclaims any responsibility to notify participants of any aspect related to the conduct of the Contest. A copy of the rules, or where required by law, a list of winners, may be obtained at the business office of the Company during normal business hours. All entries become the property of the Company and will not be returned.
- Law Compliance. The conduct of the Contest is governed by the applicable laws of the United States of America, which take precedence over any rule to the contrary herein. To the extent permitted the Contest shall be governed by the laws of the State of Missouri, and by participating in the Contest participants agree to the jurisdiction within Jackson County Missouri in state or federal court.
Specific Contest Rules
Medicare Supplement Sales Contest
Contest Criteria: The prize will be awarded to the top producing agent with the highest number of approved Medicare Supplement sales during the contest period starting February 1st, 2018 and ending January 31st 2019. Calculations will be on a per approved application basis and not a premium basis. HFG will calculate results from all ENL Medicare Supplement applications that receive an approval during the qualification period. Any applications identified during the qualification period that result in a termination, withdrawn, or non-active status, will not count toward determination of the contest winner.
Eligibility to Participate: All enrolled agents in good standing with Equitable National are eligible to participate but must remain active and in good standing with Equitable National during the entire contest period. Any agent terminated for any reason during the contest period is not eligible for the contest regardless of their position.
Prize: Heartland Financial Group will pay the cost of a three-year lease on a 2019 Mercedes CLA 250, including taxes incorporated in the leasing program such as property tax, license fees, title fees, administrative fees, and sales tax, and monthly lease payment, for a period of three years. Winning Agent will be responsible for any overages in mileage, insurance, and any costs that result from damages to the vehicle and any charges due to early termination. Winning Agent must be able to qualify for a lease under the terms of rental agency’s lease program. Winning Agent shall comply with all terms of the lease on the vehicle. Any purchase option shall belong to the Winning Agent. HFG reserves the right to change the Make and model of the vehicle should the make and model advertised as the prize not be available for any reason. As stated in the general rules HFG reserves the right to substitute prizes.
