Suncoast's Year of No Payments Giveaway Official Rules
NO PURCHASE, ACCOUNT TRANSACTION, OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN. MAKING A PURCHASE WILL NOT IMPROVE YOUR CHANCES OF WINNING.
ALL DISPUTES WILL BE RESOLVED SOLELY BY BINDING ARBITRATION AND ENTRANTS WAIVE THE ABILITY TO BRING CLAIMS IN A CLASS ACTION FORMAT.
SWEEPSTAKES ENTRY PERIOD: The Suncoast’s Year of No Payments Giveaway (the “Sweepstakes”) begins at 12:00:01 AM Eastern Time (“ET”) on Monday, January 20, 2025 and ends at 11:59:59 PM ET on Monday, June 30, 2025 (the “Sweepstakes Period”).
ELIGIBILITY: The Sweepstakes is open to legal residents of Florida, who are age 18 or older at the time of entry. Entrant must remain in good standing through the Sweepstakes Period and at the time of winner notification and verification. Void outside of Florida and wherever else prohibited by law. Employees of Suncoast Credit Union (the "Sponsor"), US Sweepstakes & Fulfillment Company (the “Sweepstakes Administrator”) and their respective subsidiaries, affiliates, advertising and promotion agencies, and the immediate family members (spouses, parents, and children) of, and/or those living in the same household of each, are not eligible to enter. Sweepstakes is subject to all applicable federal, state and local laws and regulations.
HOW TO ENTER: There are three (3) ways to enter.
Method #1: New Member Sign Up Entry:During the Sweepstakes Period, visit any Suncoast location or go online to Suncoast.com and become a Suncoast Credit Union new member and you will automatically receive one (1) Sweepstakes Entry.
Method #2 / Existing Member Entry: During the Sweepstakes Period, existing Suncoast Credit Union members can visit Suncoast.com/WinBig and complete the sign-up form online to receive one (1) Sweepstakes Entry.
Method #3 / Alternative Method of Entry (“AMOE”): To enter without becoming a member, clearly hand-print your name, complete address, email address and phone number (with area code included), on a sheet of paper and mail that sheet of paper in an addressed envelope with proper postage to the following address (the “Mail-In Entry”) to receive one (1) entry into the Sweepstakes: Suncoast’s Year of No Payments Giveaway, PO Box 728, Social Circle, GA 30025-0958. Each Mail-In Entry must be mailed separately and must be postmarked between Monday, January 20, 2025 and Monday, June 30, 2025, and received by Monday, July 07, 2025. Photocopied, illegible, or mechanically reproduced entries are not eligible. All entries become the property of the Sponsor and will not be returned or acknowledged. Sponsor is not responsible for lost, late, damaged, misdirected or postage-due mailed entries.
Bonus Entries: There are two (2) ways to receive bonus entries.
Bonus Entry Method #1 for New or Existing Members: Upon submitting an Entry for New or Existing Members via Method #1 / New Member Sign Up Entry or Method #2 / Existing Member Entry, entrants will have the opportunity to share the Sweepstakes with friends by providing a friend’s email (each, a “Sweepstakes Share”). For every new or existing individual that enters the Sweepstakes by clicking through the shared link within the Sweepstakes Share and becoming a member of Suncoast Credit Union, the referring entrant will receive one (1) bonus entry (the “Bonus Entry”).
Bonus Entry Method #2 / Alternative Method of Entry (“AMOE”): To receive a bonus entry without becoming a member, clearly hand-print your name, complete address, email address and phone number on a sheet of paper and mail that sheet of paper in an addressed envelope with proper postage to the following address to receive one (1) entry into the Sweepstakes: Suncoast’s Year of No Payments GiveawayBonus Entry , PO Box 728, Social Circle, GA 30025-0958. Each Mail-In Entry must be mailed separately and must be postmarked between Monday, January 20, 2025 and Monday, June 30, 2025, and received by Monday, July 07, 2025. Photocopied, illegible, or mechanically produced/reproduced entries are not eligible. All entries become the property of the Sponsor and will not be returned or acknowledged. Sponsor is not responsible for lost, late, damaged, misdirected or postage-due mailed entries.
There is a limit of five (5) Bonus Entries per Entry Period an entrant may receive.
ENTRY PERIODS: There are two (2) Entry Periods as defined in the chart below (“Entry Period”). Entries must be received during the Entry Period to be eligible for that Entry Period drawing. Non-winning Entry Period entries will be rolled over to subsequent Entry Periods.
Entry Period | Entry Period | Entry Period | Mail-In Entry | Entry Period Drawing Date: |
1 | 01/20/25 | 04/15/25 | 04/22/25 | 04/25/25 |
2 | 01/20/25 | 06/30/25 | 07/07/25 | 07/10/25 |
PRIZES/APPROXIMATE RETAIL VALUE (“ARV”)/ODDS:
Grand Prize: There are two (2) Grand Prizes available to be won. Each Entry Period there will be one (1) Grand Prize awarded. Grand Prize will consist of the winners 2025 Mortgage Payments, or their 2025 Car Payments, or their 2025 Rent Payments paid by Sponsor up to $2,400 per month with a minimum amount of $500 per month. The maximum ARV of Grand Prize: $28,800 each. The monthly payment will be deposited into the winners Suncoast Credit Union account. If the winner does not have a mortgage, car or rent payment, then the minimum amount of $500 per month will apply.
The total ARV of all prizes available to be won: $57,600 Maximum.
There is a limit of one (1) prize per person. Odds of winning will depend upon the total number of eligible entries received per Entry Period.
RANDOM DRAWING: One (1) potential Grand Prize winner will be selected each Entry Period during the Sweepstakes Period in a random drawing from among all eligible entries received for that Entry Period. The drawing for each Entry Period will be held based on the chart above. The drawings will be performed by the Sweepstakes Administrator, an independent representative of the Sponsor, whose decisions are final and binding in all matters related to this Sweepstakes. All entrants selected as potential winners must comply with all terms and conditions set forth in these Official Rules, and receipt of prize is contingent upon fulfilling all such requirements.
WINNER NOTIFICATION & VERIFICATION: Potential Grand Prize winner will be notified by phone or in writing at the address set forth on the AMOE or the mailing address currently on file for any member. Such notice will detail the prize won and how the winner may accept the prize. Written notice may be sent via email to any member who has agreed to receive electronic communications from Sponsor, and will be required to sign and return, within seven (7) days of notification, an Affidavit of Eligibility, a Liability Waiver, an IRS W-9 Form and where allowable, a Publicity Release (collectively, "the Releases"). Sponsor may attempt to notify each selected winner by phone two (2) times within the seven (7) day period following the drawing. If Sponsor is unable to contact a selected winner or has not been contacted by a selected winner during the seven (7) day period following the drawing, the selected winner will be disqualified, and the corresponding prize will be awarded to an alternate winner selected by the Sweepstakes Administrator. These Releases will require the Grand Prize winner to furnish their Social Security Number for the sole purpose of tax reporting, as required by law. The prize package will be awarded within approximately 45 days after the winner is verified.
If a winner is otherwise eligible under these Official Rules but is nevertheless deemed a minor in their state of primary residence, the prize will be awarded in the name of winner's parent or legal guardian who will be required to execute and return the Releases on minor’s behalf, as applicable.
If a prize notification or prize is returned as undeliverable, or if winner is found to be ineligible or not in compliance with these Official Rules, that winner will be disqualified, and the prize will be awarded to an alternate winner in a separate random drawing.
PRIZE CONDITIONS: Prizes are not redeemable for cash, assignable, transferable and may not be substituted except at Sponsor’s sole discretion. Sponsor reserves the right to substitute a prize of equal or greater value at its discretion. Any other incidental expenses on prize not specified herein are the winner’s sole responsibility.
The monthly payment will be deposited into the winners Suncoast Credit Union checking or share account.
Winner is responsible for all federal, state, local and income taxes associated with winning prize. Grand Prize winner will be required to furnish their Social Security Number for the sole purpose of preparation of tax forms as required by law.
Except where prohibited by law, entry and acceptance of prize constitute permission to use winner's name, prize won, hometown, likeness, video recordings, photographs, and statements for purposes of advertising, promotion and publicity (including online posting) in any and all media now or hereafter known throughout the world in perpetuity, without additional compensation, notification or permission.
GENERAL: Participating entrants agree to these Official Rules and the decisions of the Sponsor and the Sweepstakes Administrator, and release the Sponsor, the Sweepstakes Administrator, and their affiliated companies, and all other businesses involved in this Sweepstakes, as well as the employees, officers, directors and agents of each (the “Released Parties”), from all claims and liability relating to their participation in the Sweepstakes, and the acceptance and use/misuse of the prize offered. Participating entrants assume all liability for and Released Parties shall be held harmless against any liability for any injury, losses or damages of any kind to persons, including personal injury or death, or injury to property caused or claimed to be caused in whole or in part, directly or indirectly, by participation in this Sweepstakes, acceptance, possession, or use/misuse of the prize, or any claims based on publicity rights, defamation or invasion of privacy, or merchandise delivery. Sponsor is not responsible for any typographical or other error in the printing of the offer, administration of the Sweepstakes or in the announcement of the prize.
In the event of a dispute over the identity of an entrant, entry will be deemed submitted by the "Authorized Account Holder" of the e-mail address submitted at time of entry. Authorized Account Holder means the natural person who is assigned to an e-mail address by an Internet access provider, online service provider, or other organization that is responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address. Sponsor may ask any entrant or potential winner to provide Sponsor with proof, to Sponsor’s satisfaction, that such party is the authorized account holder of the email address associated with the entry. Entry materials/data that have been tampered with or altered, or mass entries or entries generated by a script, macro or use of automated devices are void. The Released Parties are not responsible for: (i) lost, late, misdirected, damaged or illegible entries; or (ii) error, omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction or unauthorized access to or alterations of entry materials, or for technical, network, telephone equipment, electronic, computer, hardware or software malfunctions of any kind, or inaccurate transmission of or failure to receive entry information by Sponsor on account of technical problems or traffic congestion on the Internet or at any web site or any combination thereof; or (iii) any injury or damage to entrant's or any other person's computer related to or resulting from participating in the Sweepstakes. By participating in the Sweepstakes, entrant (i) agrees to be bound by these Official Rules, including all eligibility requirements, and (ii) agrees to be bound by the decisions of Sponsor and the Sweepstakes Administrator, which are final and binding in all matters relating to the Sweepstakes. Failure to comply with these Official Rules may result in disqualification from the Sweepstakes.
Sponsor reserves the right to suspend and/or modify the Sweepstakes, or any part of it, if any fraud, technical failures or any factor beyond Sponsor’s reasonable control impairs the integrity or proper functioning of the Sweepstakes, as determined by Sponsor. If, for any reason, the Sweepstakes cannot be run as planned, Sponsor may disqualify any suspect entries or individuals from the Sweepstakes and any sweepstakes it sponsors and (a) suspend the Sweepstakes and modify the Sweepstakes to address the impairment, then resume the Sweepstakes in a manner that best conforms to the spirit of these Official Rules; and/or (b) award the prize at random from among the eligible, non-suspect entries received up to the time of the impairment.
THE RELEASED PARTIES ARE NOT RESPONSIBLE IF THIS SWEEPSTAKES CANNOT BE ADMINISTERED OR CONDUCTED DUE TO CANCELLATIONS, DELAYS, OR INTERRUPTIONS RESULTING OR ARISING FROM ACTS OF GOD, WAR, OR TERRORISM, CIVIL UNREST, STRIKES, SUPPLY SHORTAGES, NATURAL DISASTERS, WEATHER, EPIDEMICS, COMPLIANCE WITH ANY LAW OR ORDER OF A GOVERNMENTAL AUTHORITY, OR ANY OTHER SIMILAR ACT, EVENT, OR OCCURRENCE BEYOND THE REASONABLE CONTROL OF THE SPONSOR. BY PARTICIPATING IN THIS SWEEPSTAKES, PARTICIPANT AGREES 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 ANY WEBSITE ASSOCIATED WITH THIS SWEEPSTAKES OR THE DOWNLOADING FROM AND/OR PRINTING MATERIAL DOWNLOADED FROM SUCH SITE, AS APPLICABLE. FURTHER, SPONSOR SHALL NOT BE RESPONSIBLE FOR ANY CANCELLATIONS, DELAYS, DIVERSIONS, CHANGES IN SERVICE OR ACCOMMODATIONS OR SUBSTITUTIONS, OR FOR ANY ACTS OR OMISSIONS BY ANY THIRD PARTIES BEYOND ITS REASONABLE CONTROL, INCLUDING AIR CARRIER(S) AND OTHER TRANSPORTATION COMPANIES; LODGING, RESTAURANT OR OTHER HOSPITALITY PROVIDERS; ENTERTAINMENT PROVIDERS, VENUES OR ARTISTS; OR OTHER THIRD PARTY PROVIDERS SUPPLYING ANY SERVICES OR COMPONENTS OF THE PRIZE(S) TO WINNERS AND/OR THEIR GUESTS, OR FOR ANY RESULTING INJURIES, INCLUDING MONEY DAMAGES, COSTS AND EXPENSES, PROPERTY DAMAGES, PERSONAL INJURIES OR DEATH RESULTING THEREFROM.
LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT AN ENTRANT, TO DAMAGE, DESTROY, TAMPER OR VANDALIZE THIS WEB SITE OR INTERFERE WITH THE OPERATION OF THE SWEEPSTAKES, IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND DILIGENTLY PURSUE ALL REMEDIES AGAINST ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.
GOVERNING LAW AND LIMITATION OF LIABILITY: All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules or the rights and obligations of entrants, Sponsor or the Released Parties in connection with the Sweepstakes will be governed by and construed in accordance with the internal laws of the State of Florida, without giving effect to any choice of law or conflict of law rules or provisions that would cause the application of any other laws.
Winners acknowledge that Sponsor, Sweepstakes Administrator, and all other businesses concerned with this Sweepstakes and their agents do not make, nor are in any manner are responsible for any warranty, representation, expressed or implied, in fact or in law, relative to the quality, conditions, fitness or merchantability of any aspect of prize.
BY ENTERING THE SWEEPSTAKES, ENTRANT AGREES THAT TO THE EXTENT PERMITTED BY APPLICABLE LAW: (A) ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THE SWEEPSTAKES, OR ANY PRIZE AWARDED, WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION; (B) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS WILL BE LIMITED TO ACTUAL THIRD-PARTY, OUT-OF-POCKET COSTS INCURRED (IF ANY) NOT TO EXCEED TEN DOLLARS ($10.00), BUT IN NO EVENT WILL ATTORNEYS’ FEES BE AWARDED OR RECOVERABLE; (C) UNDER NO CIRCUMSTANCES WILL ANY ENTRANT BE PERMITTED TO OBTAIN ANY AWARD FOR, AND ENTRANT HEREBY KNOWINGLY AND EXPRESSLY WAIVES ALL RIGHTS TO SEEK, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES, LOST PROFITS AND/OR ANY OTHER DAMAGES, OTHER THAN ACTUAL OUT OF POCKET EXPENSES NOT TO EXCEED TEN DOLLARS ($10.00), AND/OR ANY RIGHTS TO HAVE DAMAGES MULTIPLIED OR OTHERWISE INCREASED; AND (D) ENTRANTS’ REMEDIES ARE LIMITED TO A CLAIM FOR MONEY DAMAGES (IF ANY) AND ENTRANT IRREVOCABLY WAIVES ANY RIGHT TO SEEK INJUNCTIVE OR EQUITABLE RELIEF. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY, SO THE ABOVE MAY NOT APPLY TO YOU.
DISPUTES: The parties hereto each agree to finally settle all disputes only through arbitration; provided, however, the Released Parties shall be entitled to seek injunctive or equitable relief in the state and federal courts in Hillsborough County, FL and any other court with jurisdiction over the parties. In arbitration, there is no judge or jury and review is limited. The arbitrator’s decision and award is final and binding, with limited exceptions, and judgment on the award may be entered in any court with jurisdiction. The parties agree that, except as set forth above, any claim, suit, action or proceeding arising out of or relating to this Sweepstakes shall be resolved solely by binding arbitration before a sole arbitrator under the streamlined Arbitration Rules Procedures of JAMS Inc. (“JAMS”) or any successor to JAMS. In the event JAMS is unwilling or unable to set a hearing date within fourteen (14) days of the filing of a “Demand for Arbitration”, then either party can elect to have the arbitration administered by the American Arbitration Association (“AAA”) or any other mutually agreeable arbitration administration service. If an in-person hearing is required, then it will take place in Tampa, FL. The federal or state law that applies to these Official Rules will also apply during the arbitration. Disputes will be arbitrated only on an individual basis and will not be consolidated with any other proceedings that involve any claims or controversy of another party, including any class actions; provided, however, if for any reason any court or arbitrator holds that this restriction is unconscionable or unenforceable, then the agreement to arbitrate doesn’t apply and the dispute must be brought in a court of competent jurisdiction in Tampa, FL. Sponsor agrees to pay the administrative and arbitrator’s fees in order to conduct the arbitration (but specifically excluding any travel or other costs of entrant to attend the arbitration hearing). Either party may, notwithstanding this provision, bring qualifying claims in small claims court.
PRIVACY: As a condition of entering the Sweepstakes, each entrant gives consent for Sponsor to obtain and deliver their name, address and other information to third parties, including Sweepstakes Administrator, for the purpose of administering this Sweepstakes and to comply with applicable laws, regulations and rules, including, without limitation, the storing of your personal information for purposes of complying with state record retention requirements. Any information entrant provides to Sponsor may be used to communicate with entrant in relation to this Sweepstakes or on a Sweepstakes winner’s list. Personal information collected from entrants are subject to the Sponsor’s Privacy Policy, which can be found at https://www.suncoast.com/Privacy-Policy.
USE OF ENTRANT AND WINNER INFORMATION: If applicable, the information that you provide in connection with the Sweepstakes may be used by the Sponsor to send you information about its products and services. If you would like your information removed from Sponsor’s mailing list or if you do not wish to receive information from the Sponsor or if you would like to be removed from the Sponsor’s mailings regarding this Sweepstakes, write to Suncoast Credit Union, Marketing Department, P.O. Box 11904, Tampa, FL 33680. Sponsor will process your request within 60 days.
OFFICIAL RULES REQUEST: To request a copy of the Official Rules, see Suncoast.com/NPGR or send a self-addressed, stamped envelope by July 10, 2025, to: Suncoast’s Year of No Payments Giveaway Official Rules Request, PO Box 654, Social Circle, GA 30025-0654.
SEVERABILITY: In the event any part of these Official Rules is ruled by any court or regulatory authority to be invalid or unenforceable, then these Official Rules shall be automatically modified to eliminate that part which is affected thereby. The remainder of the Official Rules shall remain in full force and effect.
WINNER CONFIRMATION REQUEST: For a written confirmation of the winner (available after 7/10/25), send a stamped, self-addressed envelope (no later than 08/07/25), to: Suncoast’s Year of No Payments Giveaway Winner Confirmation Request, PO Box 654, Social Circle, GA 30025-0654.
SPONSOR: Suncoast Credit Union, 6801 E Hillsborough Ave, Tampa, FL 33610.
SWEEPSTAKES ADMINISTRATOR: US Sweepstakes & Fulfillment Company, 625 Panorama Trail, Suite 2100, Rochester, NY 14625. 1-800-620-6044
SUBJECT TO CHANGE: These Official Rules are subject to change at any time by Sponsor in its sole discretion and without notice.
Void outside Florida and wherever else prohibited by law.
All trademarks used herein are the property of their respective owners in the United States and abroad. All rights reserved.