Terms and Conditions for Experian Wedding Cocktail Hour Sweepstakes

The Experian #happilyeverafter Wedding Q&A Cocktail Hour is coming to Twitter! Join Maxine Sweet, Vice President Public Education for Experian, and Kimberly Schlegel Whitman, Wedding Planning Expert, on June 14, 2011.

Maxine and Kimberly will be online from 4-6 pm PT (7-9 pm ET) answering questions on how to Live Credit Smart as a couple! It all starts with planning a wedding on a budget and leads to joint checking accounts, major purchases and saving for retirement. The decisions couples make now can impact their credit and financial future, so couples should start their life together on the right financial foot by getting educated!

Those who submit a question will be entered to win one of five $250 American Express gift cards. It’s the perfect little boost for that wedding budget, a helpful extra payment toward paying down debt or it could be used for something fun during this special time!

Tweet your questions @Experian_US by using #happilyeverafter!
http://twitter.com/experian_US

You could win:

  • 1 of 5 $250 American Express gift cards

How to join the conversation:

  • If you don’t already have an account, sign up for free at twitter.com
  • Go to www.twitter.com/Experian_US and click Follow
  • Tweet your questions @Experian_US by using #happilyeverafter
  • Sample Questions:
    • @Experian_US Should all financial information be joined or should some things remain separate? #happilyeverafter
    • @Experian_US Once married do I take on my fiancé’s credit? Should we separate our checking accounts? #happilyeverafter

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES. A PURCHASE OR PAYMENT WILL NOT INCREASE YOUR CHANCES OF WINNING. Subject to all federal, state, and local laws, regulations, and ordinances. Sweepstakes begins at 6:00 AM Pacific Time ("PT") on June 1, 2011 and ends at 6:00 PM PT June 14, 2011 (the “Sweepstakes Period”). Void in Puerto Rico, Guam and outside the 50 United States and the District of Columbia, and where prohibited by law. Sweepstakes is sponsored by Experian. ("Sponsor").

ELIGIBILITY: The Experian #happilyeverafter Twitter Sweepstakes (the "Sweepstakes") is open only to legal U.S. residents currently residing in one of the fifty (50) United States and the District of Columbia who are at least 18 years old at the date of entry. Employees of Experian or their respective related companies, as well as the immediate family (spouse, parents, siblings and children) and household members of each such employee are not eligible. Subject to all federal, state and local laws and regulations. Void where prohibited. All entrants must have access to the Internet prior to the start of the Sweepstakes, follow @Experian_US and tweet using #happilyeverafter. Note: entrants must remain a follower of @Experian_US through June 24th, 2011 because winner notification is via Direct Message. Sponsor reserves the right to verify the eligibility of winners. Participation constitutes entrant’s full and unconditional agreement to these Official Rules and to Sponsor’s decisions, which are final and binding in all matters related to the Sweepstakes.

TO ENTER: During the Sweepstakes Period, eligible persons can enter by using the hashtag #happilyeverafter in their tweets on Twitter.com. An eligible person can enter by tweeting questions to @Experian_US with hashtag #happilyeverafter. Sending direct messages to @Experian_US on Twitter.com does not count as a tweet. Tweets will only be eligible during the Sweepstakes Period. Each entrant’s twitter name may be featured on twitter.com/Experian_US.

Entries must be submitted by the participant. Use of automated entries or programs or entries submitted by third parties is prohibited and will be disqualified. Any attempt by any participant to obtain more than the permitted number of entries by using multiple and/or different identities, registrations, addresses or any other method will void all of that participant’s entries and that participant may be disqualified at Sponsor’s discretion. All entries will be captured and saved by Sponsor. Normal Internet and usage charges imposed by your online service may apply. Incomplete, illegible, corrupted, or untimely entries are void and will be disqualified. Sponsor and its agencies are not responsible for lost, late, incomplete or misdirected entries; lost, interrupted, or unavailable network, server, or other connections; or miscommunications, computer or software malfunctions, technical failures, garbled transmissions, damage to a user’s computer equipment (software or hardware), or other errors or malfunctions of any kind whether, human, mechanical, electronic or otherwise. Proof of sending or submission will not be deemed to be proof of receipt by Sponsor. In the event of a dispute as to the identity of an entrant, the authorized account holder of the Twitter account used to enter will be deemed to be the entrant or participant. The “authorized account holder” is the natural person assigned a Twitter account from an email address by an Internet access provider, online service provider, Internet service provider, or other organization (which may include an employer) responsible for assigning Twitter accounts from email addresses for the domain associated with the submitted address. Potential winners may be required to show proof of being the authorized account holder.

SELECTION OF WINNERS: The winners will be randomly selected using a random number generator and notified by Direct Message on Twitter within one day after selection. (5) total winners will be selected; all winners will be selected on Wednesday, June 15th, 2011. If a potential winner does not respond within 48 hours after the first attempt to notify him/her that he/she has been selected to receive the prize, that potential winner will be deemed to have forfeited the prize, and Sponsor will select an alternate potential winner in his/her place at random from all eligible entries received. Alternate potential winners will also have 48 hours to claim the prize, and must satisfy all eligibility requirements. Winning the prize is contingent upon fulfilling all requirements set forth herein.

If the potential winner is unavailable to accept the prize within the time period specified by the Sponsor, that potential winner will be deemed to have forfeited the prize, and an alternate potential winner will be selected in his/her place in a random drawing from all eligible entries received within two (2) days of the date the potential winner is determined to be ineligible. Noncompliance with the foregoing, failure to abide by these Official Rules, or return of the prize notification as non-deliverable may result in disqualification and naming of an alternate potential winner. Up to two alternate winner drawings will be held, after which any remaining prizes will remain un-awarded.

POTENTIAL WINNERS ARE SUBJECT TO VERIFICATION BY SPONSOR, WHOSE DECISIONS ARE FINAL AND BINDING IN ALL MATTERS RELATED TO THE SWEEPSTAKES. AN ENTRANT IS NOT A WINNER OF THE PRIZE UNLESS AND UNTIL ENTRANT’S ELIGIBILITY HAS BEEN VERIFIED AND ENTRANT HAS BEEN NOTIFIED THAT VERIFICATION IS COMPLETE.

PRIZES: A total of five (5) $250 American Express gift cards will be awarded. Only one (1) prize per winner. The approximate retail value of each prize is $250. The odds of winning depend on the number of eligible entries received at the time of drawing. The prize will be shipped directly to the Sweepstakes winner within three weeks of the prize being awarded and the winner’s eligibility and compliance with these Official Rules confirmed. Prizes are not transferable and not redeemable in cash. There are no prize substitutions, except that Sponsor reserves the right to substitute a prize of equal value if the stated prize is not available. Each winner is responsible for all income and other taxes incurred in connection with their receipt and use of the prize.

GENERAL CONDITIONS: This Sweepstakes is governed by the laws of the United States. Void where prohibited by law and outside the United States. WARNING: ANY ATTEMPT BY A PARTICIPANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEB SITE ASSOCIATED WITH THIS SWEEPSTAKES OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAW, AND, SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO PROSECUTE AND SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. Neither Sponsor nor anyone acting on its behalf will enter into any communications with any entrant regarding this Sweepstakes, except as expressly set forth in these Official Rules. Sponsor reserves the right at its sole discretion to disqualify any individual it finds to be attempting to tamper with or undermine the entry process, the company’s Twitter account, web site, and/or the legitimate operation of the Sweepstakes; to violate the Official Rules; to provide a Tweet or Retweet that is infringing, defamatory, discriminatory, obscene, derogatory of any person or entity including Sponsor, or otherwise inappropriate as determined by Sponsor in its sole discretion; or to act in an unsportsmanlike or disruptive manner or with the intent to annoy, abuse, threaten, or harass any other person. Sponsor and its agents are not responsible for (1) any incorrect or inaccurate information, whether caused by entrants, printing errors or by any of the equipment or programming associated with or utilized in the Sweepstakes; (2) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (3) unauthorized human intervention in any part of the entry process or the Sweepstakes; (4) technical or human error which may occur in the administration of the Sweepstakes or the processing of entries; or (5) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from entrant’s participation in the Sweepstakes or receipt or use or misuse of any prize. If, for any reason, the Sweepstakes is not capable of running as planned, including infection by computer virus or bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of Sponsor, which corrupt or affect the operation, administration, security, fairness, integrity, or proper conduct of this Sweepstakes, Sponsor may, in its sole discretion, void any suspect entries and (a) cancel or terminate the Sweepstakes (or any portion thereof); (b) modify the Sweepstakes or suspend the Sweepstakes to address the impairment and then resume the Sweepstakes in a manner that best conforms to the spirit of these Official Rules; or (c) award the prize at random from among the eligible, non-suspect entries received up to the time of the impairment.

RELEASE AND LIMITATIONS OF LIABILITY: BY PARTICIPATING IN THIS SWEEPSTAKES, ENTRANTS AGREE THAT SPONSOR AND ITS PARENTS, AFFILIATES, SUBSIDIARIES, REPRESENTATIVES, CONSULTANTS, CONTRACTORS, LEGAL COUNSEL, ADVERTISING, PUBLIC RELATIONS, PROMOTIONAL, FULFILLMENT AND MARKETING, WEB SITE PROVIDERS, WEB MASTERS, AND ADMINISTRATOR, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES, AND AGENTS (THE “RELEASED PARTIES”) WILL HAVE NO LIABILITY WHATSOEVER FOR, AND SHALL BE HELD HARMLESS BY ENTRANTS AGAINST, ANY LIABILITY FOR ANY INJURIES, LOSSES OR DAMAGES OF ANY KIND TO PERSONS, INCLUDING PERSONAL INJURY OR DEATH, OR PROPERTY RESULTING IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, FROM ACCEPTANCE, POSSESSION, MISUSE, OR USE OF ANY PRIZE, ENTRY, OR PARTICIPATION IN THIS SWEEPSTAKES OR IN ANY SWEEPSTAKES RELATED ACTIVITY, OR ANY CLAIMS BASED ON PUBLICITY RIGHTS, DEFAMATION OR INVASION OF PRIVACY, OR MERCHANDISE DELIVERY. BY PARTICIPATING IN THIS SWEEPSTAKES, PARTICIPANTS AGREE THAT THE RELEASED PARTIES WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY INJURIES, DAMAGES, OR LOSSES OF ANY KIND, INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES TO PERSONS, INCLUDING DEATH, OR TO PROPERTY ARISING OUT OF ACCESS TO AND USE OF THE WEB SITE OR THE DOWNLOADING FROM AND/OR PRINTING MATERIAL DOWNLOADED FROM THE WEB SITE.

EXCEPT WHERE PROHIBITED BY LAW, PARTICIPATION IN THE SWEEPSTAKES CONSTITUTES WINNER’S GRANT TO SPONSOR (WHICH GRANT WILL BE CONFIRMED IN WRITING ON REQUEST OF SPONSOR), THE RELEASED PARTIES, AND THOSE ACTING PURSUANT TO ITS AUTHORITY, THE RIGHT AND PERMISSION TO PRINT, PUBLISH, BROADCAST, AND USE, WORLDWIDE IN ANY MEDIA NOW KNOWN OR HEREAFTER DEVELOPED, INCLUDING BUT NOT LIMITED TO THE WORLD WIDE WEB, AT ANY TIME OR TIMES, EACH WINNER’S NAME, USERNAME, OPINIONS AND BIOGRAPHICAL INFORMATION (INCLUDING BUT NOT LIMITED TO HOMETOWN AND STATE) FOR ADVERTISING, TRADE, AND PROMOTIONAL PURPOSES WITHOUT ADDITIONAL CONSIDERATION, COMPENSATION, PERMISSION, OR NOTIFICATION. ENTRANTS AGREE THAT SPONSOR SHALL OWN THE ENTRIES, WHICH WILL NOT BE ACKNOWLEDGED OR RETURNED, AND THAT SPONSOR AND ITS DESIGNEES SHALL HAVE THE PERPETUAL, WORLDWIDE RIGHT TO EDIT, PUBLISH, AND USE THE ENTRIES (INCLUDING ANY TWEETS OR RETWEEETS) IN ANY WAY AND IN ANY MEDIA FOR TRADE, ADVERTISING, PROMOTIONAL, AND/OR OTHER PURPOSES AS SPONSOR AND/OR ITS DESIGNEES MAY DETERMINE WITHOUT FURTHER CONSIDERATION TO ENTRANTS OR ANY THIRD PARTY.

WITHOUT LIMITING THE FOREGOING, EVERYTHING REGARDING THIS SWEEPSTAKES, INCLUDING THE SWEEPSTAKES HASH TAG, WEB SITE AND PRIZE, ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. SOME JURISDICTIONS MAY NOT ALLOW THE LIMITATIONS OR EXCLUSIONS OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY. CHECK LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONS REGARDING THESE LIMITATIONS OR EXCLUSIONS.

DISPUTES: Except where prohibited, entrant agrees that: (1) any and all disputes, claims and causes of action arising out of or connected with this Sweepstakes or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the United States District Court for the Southern District of California or the appropriate State Court located in California; (2) any and all claims, judgment, and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering the Sweepstakes, but in no event attorneys’ fees; (3) under no circumstances will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim, indirect, punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, any and all rights to have damages multiplied or otherwise increased. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the entrant and Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of California, without giving effect to any choice of law or conflict of laws rules (whether of the State of California or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of California.

OFFICIAL RULES & WINNERS LIST: For a copy of the Official Rules available until June 30, 2011, visit http://www.experian.com/live-credit-smart/live-credit-smart.html.

Sponsor: Experian, 475 Anton Boulevard, Costa Mesa, CA 92626

Administrator: Edelman, 24th Floor, 5900 Wilshire Boulevard, Los Angeles, CA 90036

Information collected from entrants is subject to Experian’s Privacy Policy available at: http://www.experian.com/privacy/index.html.

© 2011 Experian Information Solutions, Inc. All rights reserved.

  • © 2014 Experian Information Solutions, Inc. All rights reserved.