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Official Rules Refer your Friends and Sail - OUR MicroLending

Official Rules Refer your Friends and Sail



Contest Sponsor. By entering the Refer your Friends and Sail (hereinafter referred to as the “Contest”) participants expressly represent that they have read, understood and agreed to the terms of these Official Rules (hereinafter referred to as the “Official Rules”). If you do not understand or agree with this Official Rules, DO NOT ENTER THE CONTEST. The Contest is sponsored by Our MicroLending LLC (hereinafter referred to as the “Sponsor”).

Eligibility. The Contest is open to all legal residents of Miami-Dade, Broward and Palm Beach Counties in the state of Florida, United States of America, who, at the time of entry are 21 years or older (hereinafter referred to as the “Participant” or “Participants”).

Employees, contractors, directors and officers of Sponsor, its parent, subsidiaries and affiliated companies, and the web design, advertising, fulfillment, judging and promotion agencies involved in the administration, development, fulfillment and execution of the Contest (hereinafter referred to as the “Contest Parties”), and the immediate family members (spouse, parent, child, sibling or “step” of each) of, and those living in the same households as, each such individual are not eligible to participate in the Contest.

Participation Period. The Contest will begin at 8:00 A.M. (Eastern Standard Time) on Thursday 09/15/2016 and will end at 5:00 P.M. (Eastern Standard Time) on Thursday 12/15/2016 (hereinafter referred to as the “Participation Period”). All entries must be received by 5:00 P.M. Eastern Standard Time on Friday 12/30/2016  to be eligible.

How to Enter the Contest. To enter the Contest, Participants must provide the contact information of those individuals they wish to refer to Sponsor (hereinafter referred to as the “Referred Party” or “Parties). To refer a Party, Participants must fill out an official entry form provided by Sponsor (hereinafter referred to as the “Entry” or “Entries”) and complete the following information:

  1. Name and Last Name of Referred Party
  2. Phone Number of Referred Party
  3. Email address of Referred Party
  4. Name and Last Name of Participant
  5. Company Name of Participant
  6. Phone Number of Participant
  7. Email address of Participant

Entries will be provided to participants at their places of business by Sponsor, its Agents or Representatives. Entries will be also available for download on the WWW.ourmicrolending.com website and at the Sponsor’s place of business located at: 3191 coral Way Suite 109 Miami FL 33145. Contest Entries at Sponsor’s place of business will be available for pick-up by Participants Monday through Friday from 8:30 AM to 5:30 PM within the Participation Period. Only physical entries will be eligible. Participants who download entries from the WWW.ourmicrolending.com website must print all entries and submit the physical printout of said Entries. Any other form of Entry, including, without limitation, to electronic or digital scans, electronic or digital copies or attachments, or information provided by phone, email or any other method will not be accepted and will be considered ineligible.

All completed Entries will be collected from Participants at their place of business by Sponsor, its Agents or Representatives on a weekly basis throughout the Participation Period. Participant may also mail their Entries to Sponsor’s place of business as follows:

OUR MicroLending

Refer your Friends and Sail

3191 coral Way Suite 109 Miami FL 33145

All entries submitted by postal mail must be postmarked by Thursday 09/15/2016 and received by the end of the business day on Wednesday 12/14/2016. Only the official date stamped by the courier or carrier selected by Participant to mail Entries will be considered to determine eligibility of Entries submitted by postal mail.  All Entries picked-up by Sponsor, its Agents or Representatives must be received by the end of the business day on Wednesday 12/14/2016 to be eligible.

Participants may refer as many Parties as they wish; however, only one (1) Entry per Referred Party will be accepted. All duplicate entries will be disqualified and will not be accounted to determine the final number of Entries submitted by each Participant. Participants are herewith prompted not to submit duplicate Entries.

Sponsor will not be responsible for incomplete, lost, late, misdirected or illegible Entries, whether picked-up by Sponsor, its Agents or Representatives or mailed in by Participants. Sponsor will not be responsible for mailed Entries that are lost, damaged, misdirected or late during transit or while in the custody of the postal service, carrier or courier selected by Participant.  All Entries are final and may not be modified, supplemented, edited or withdrawn once submitted and/or received by Sponsor. All Entries submitted and/or received become the sole property of the Sponsor and none will be returned to Participants and/or Referred Parties.

By submitting an Entry, Participants hereby warrant and represent that the submitted Entries do not infringe the intellectual property, privacy, publicity rights, ownership or any other legal or moral rights of any third party and that all Entries adhere to any applicable laws.

Responsibility and Involvement of Referred Parties: It is the sole responsibility of Participants to inform all their Referred Parties of the purpose of the Contest and to explain Referred Party’s responsibility and involvement in the Contest. By providing contact information and allowing Participants to collect said information and submitting it to Sponsor, all Referred Parties understand and agree their responsibilities and involvement and abide to this Official Rules. If a Referred Party does not understand or agree to the responsibilities and involvement set forth in this Official Rules, said Party should not participate. Referred Party’s participation in the Contest is voluntary.

By providing contact information and allowing Participants to submit their Entries, all Referred Parties hereby warrant and represent that they agree to be contacted by Sponsor, its Agents and/or Representatives via phone or email. The sole purpose of the contact by Sponsor will be to present, explain, promote and/or offer those programs or business activities conducted by Sponsor that may be of interest to the Referred Party. Referred Parties are under NO OBLIGATION to accept, agree or enter into any arrangement, contract or business transaction or to participate in any program or offering presented or promoted by Sponsor. Referred Parties are free to decline any offer made by Sponsor at the time contact occurs or at any time during the business relationship between the Referred Party and the Sponsor, at the sole discretion of the Referred Party. Entering into a commercial relationship with Sponsor, including, without limitation, executing any agreement or contract, conducting any business transaction and/or agreeing to participate in any program or offering provided by Sponsor will be at the sole discretion of the Referred Party and his participation in such activities will be considered voluntary. Any agreement, contract or business transaction entered between the Referred Party and the Sponsor resulting from the Party being referred to Sponsor through this Contest will be at the sole decision of the Referred Party and the Sponsor. Participants are only responsible for properly informing Referred Parties of the nature of their participation and for obtaining Referred Party’s contact information and their authorization to submit said information to Sponsor. Any agreement, business transaction or commercial relationship resulting from Participant’s submission of Referred Party’s information to Sponsor will be the sole responsibility of the Referred Party and the Sponsor.

Collection of Personal Identifiable Information by Sponsor: Sponsor will use all personally identifiable information collected through the Contest (name, last name, phone number and email address) of both Participants and Referred Parties to: a) conduct and administer the Contest b) contact Referred Parties as set forth in this Official Rules, c) notify Participants of Contest results and d) contact Referred Parties and Participants to inform them, advertise and/or promote Sponsor’s programs and offerings that may be of interest to the Referred Parties and to the Participants, at Sponsor’s sole discretion.

By participating in the Contest, Participants and Referred Parties agree to receive e-mails and phone calls from Sponsor or those directed by Sponsor, including, without limitation, to Sponsor’s Agents and/or Representatives. Participants and Referred Parties may opt-out from receiving such e-mails and phone calls by following the directions contained in all email communications received from Sponsor or to request to be removed from Sponsor’s phone list during the phone conversation sustained with Sponsor, its Agents or Representatives.

Personal identifiable information from Participants and Referred Parties will not be sold or shared with any third party and Sponsor will make any reasonable effort to protect the privacy and confidentiality of the provided information.

Winner Selection and Notification. All submitted Contest Entries will be processed by Sponsor, its Agents and/or its Representatives. Winner will be selected and announced within ten (10) business days after promotion ends. The Participant with the higher number of referred Entries will be considered the Contest winner. In case of a tie between two or more Participants, Sponsor, its Agents and/or Representatives will notify all tied Participants and give them an additional business week (from Monday to Friday) to collect additional entries (hereinafter referred to as the “Tie-Breaking Entries”). The Participant who provides the highest number of Tie-Breaking Entries during the extension period will be considered the winner. Winner will be notified via phone and/or email to the number or email address provided on the Contest Entries. Potential winner and winner are subject to verification, including without limitation, verification of eligibility and compliance with these Official Rules. Winner will be granted a five (5) day period starting at the time of notification to respond to said notification. Failure to respond within such time period or return of email prize notification as undeliverable or failure of winner to respond to notification may result in disqualification and an alternate winner may be selected from among all remaining eligible Entries as set forth herein. This process will be repeated until a final winner is selected, notified and a response to the notification is received and verified. Winner will be announced on the WWW.ourmicrolending.com website within fifteen (15) days following the verification of the final winner.

Notification of winner or winner status must be kept confidential until the winner is announced by Sponsor. Failure to comply with this requirement may result in disqualification.

Prizes and Odds. One (1) Winner will receive a Carnival Cruise Line Gift Card of $750.00. Redeemable towards a Carnival Cruise trip of preference. If the event that, for whatever reason, actual prize value is less than the stated actual retail value of prize, difference will not be awarded.

Booking and travel must be completed by December 2016 otherwise winner will forfeit the prize. Cruise prize is subject to terms of Cruise Line discretion and availability at the time of booking. Blackout dates may apply including, without limitation, sailings or stays impacting major holidays (i.e. Thanksgiving, Christmas and New Year’s). No refund or compensation will be made in the event of the cancellation or delay of the cruise. Travel and accommodations are subject to availability.

Winner must be 21 years of age or older. Unless child of winner, travel companion must be 18 years of age or older as of the date of departure. Both winner and companion will  be required to complete an affidavit of eligibility/liability and publicity release (except where prohibited by law) which must be completed, executed and returned as instructed by Sponsor within seven (7) days of receipt of said Affidavit. Failure to sign and return the affidavit in due date by either winner or travel companion, or to comply with any term or condition contained in these Official Rules, may result in winner’s disqualification, the forfeiture of his or her interest in the prize, and the award of the prize to a substitute winner.

Winner will be solely responsible for all expenses and incidental travel costs not expressly stated in the prize description above, including, without limitation, to government taxes and fees, non-commissionable fares, fuel supplement surcharges, gratuities, ground transportation to and from the Port of departure/arrival and in the selected destination, incidentals, passenger tariffs or duties, surcharges, port fees, service charges or facility charges, personal charges at lodging, security fees, shore excursions, bar charges, restaurant cover charges and other personal expenditures, transfers, and onboard or off board personal purchases. Once cruise cabin and hotel accommodations have been confirmed, changes will not be accepted. Name and departure date changes are not allowed and will forfeit cabin and hotel reservations.

Sponsor will not replace any lost, damaged, mutilated, or stolen gift card, tickets, travel vouchers or certificates. Sponsor shall not be responsible for any cancellations, delays, diversions or substitution or any act or omissions whatsoever by the cruise line carriers, hotels, venue operators, transportation companies, travel providers or any other persons providing any travel-related service or accommodation. Additional trip details and travel information will be provided to the winner at the time of notification. Winner and travel companion are also responsible for obtaining travel insurance (and all other forms of insurance) at their own option and hereby acknowledge that Sponsor has not and will not obtain or provide travel insurance or any other form of insurance.

Winner and companion are solely responsible for obtaining and presenting all valid and current documents required for travel, including, without limitation, photo IDs, passports, travel permits and any other applicable documents.

Winner may waive their right to receive prize. Prize is non-assignable and non-transferrable. No prize substitutions allowed, except at the sole discretion of the Sponsor.

Odds of winning will depend on the number of Participants and eligible Entries received.

Prizes and individual components of prize package are subject to availability and Sponsor reserves the right, at Sponsor’s sole discretion, to substitute prizes of equal or greater value. Winners are solely responsible for reporting and payment of any taxes on prizes. Except where prohibited, acceptance of any prize constitutes winner’s consent to the publication of his or her name, biographical information and likeness in any and all media without limitation as to time or territory, and without compensation or approval from the winner or any other party, in any media for any commercial or promotional purpose in any existing or yet to exist media, including, without limitation, radio, television, print and/or the Internet, without any right to any present or future compensation. Any prize not won and/or claimed by eligible winner in accordance with this Official Rules will not be awarded and will remain the property of Sponsor.

Conditions of Participation. By participating in the Contest, Participants and Referred Parties agree to be bound by these Official Rules and the decisions of the Sponsor. Sponsor reserves the right to disqualify any individual or individuals found tampering with or otherwise abusing any aspect of this Contest as solely determined by Sponsor. In the event the Contest is compromised by non-authorized human intervention, tampering or other causes beyond the reasonable control of the Sponsor which corrupts or impairs the administration, security, fairness or proper operation of the Contest, Sponsor reserves the right, in its sole discretion, to suspend, modify or terminate the Contest. Further, Sponsor reserves the right, at its sole discretion, to disqualify any individual deemed to be (a) tampering or attempting to tamper with the entry process or the operation of the Contest; (b) violating the Official Rules; or (c) acting in an unsportsmanlike or disruptive manner or with intent to annoy, abuse, threaten or harass any other person. Should the Contest be terminated prior to the stated expiration date, Sponsor reserves the right to award the prize based on the Entries received before the termination date.

By participating in the Contest, Participants and Referred Parties both agree to fully release, indemnify, hold harmless and forever discharge Sponsor, its Agents and Representatives and their respective affiliates, officers, directors, partners and any of their employees (hereinafter referred to as the “Indemnitees”) from and against all claims, damages, costs, expenses (including reasonable attorney’s fees), liabilities, losses, injuries, and damages arising out of the Contest or out of Participant’s and Referred Party’s participation in the Contest, including, without limitation, to any claims for personal injury, death or damage to or loss of property or any other harm arising out of Participant’s or Referred Party’s participation in the Contest, the receipt, use, or misuse of any prize, or any travel or activity that is related to the Contest or any prize.

Participants and Referred Parties agree to fully release, indemnify, hold harmless and forever discharge Sponsor and Indemnitees from Participant’s or Referred Party’s conduct in submitting and Entry in connection with this Contest, including, without limitation, to claims for violation of an individual’s right of publicity or right of privacy, or defamation.

The decisions of Sponsor regarding the selection of winners and all other aspects of the Contest shall be final and binding in all respects.

Sponsor will not be responsible for typographical, printing or other inadvertent errors in these Official Rules or in other materials relating to the Contest.

Construction. The invalidity or unenforceability of any provision of these Official Rules shall not affect the validity or enforceability of any other provision. In the event that any such provision is determined to be invalid or otherwise unenforceable, these rules shall be construed in accordance with their terms as if the invalid or unenforceable provision was not contained therein.

Name of Winner and Copies of Official Rules. To obtain the name of the winner, available after 9/10/2016 or to request a copy of these Official Rules send a self-addressed, stamped envelope to Refer your Friends, Our MicroLending 3191 Coral Way Suite 109 Miami FL 33145 or visit Sponsor’s Website at WWW.ourmicrolending.com.

Jurisdiction. Participants and Referred Parties agree that the Sponsor has the sole right to decide all matters and disputes arising from this Contest and that all decisions of Sponsor are final and binding. This Contest is governed by the laws of the state of Florida, United States of America, and by entering; Participants, Referred Parties and winner agree that all claims or disputes must be resolved exclusively in the federal or state courts in the county of Miami-Dade, state of Florida, United States of America. DISPUTE RESOLUTION:Except where prohibited by law, as a condition of participating in this Contest, Participants and Referred Parties agree that (1) any and all disputes and causes of action arising out of or connected with this Contest, or prize awarded, shall be resolved individually, without resort to any form of class action, and exclusively by final and binding arbitration under the rules of the American Arbitration Association and held at the AAA regional office nearest to Participant and/or Referred Party; (2) the Federal Arbitration Act shall govern the interpretation, enforcement and all proceedings at such arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction. Under no circumstances will Participant and/or Referred Party be permitted to obtain awards for, and Participants and Referred Parties hereby waive all rights to claim, punitive, incidental or consequential damages, or any other damages, whether foreseeable or not and whether based on negligence or otherwise, including attorneys’ fees, other than entrant’s actual out-of-pocket expenses (i.e., costs associated with participating in this Contest), and Participants and/or Referred Parties further waive all rights to have damages multiplied or increased.

CHOICE OF LAW: All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of Participants, Referred Parties and Sponsor in connection with the Contest, shall be governed by, and construed in accordance with, the substantive laws of the State of Florida, United States of America.