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Official Rules
THESE OFFICIAL RULES ARE A CONTRACT—READ THEM CAREFULLY BEFORE ENTERING. WITHOUT LIMITATION, THIS CONTRACT INCLUDES A RELEASE AND LICENSE FROM YOU, AND A LIMITATION OF CERTAIN OF YOUR RIGHTS AND REMEDIES.
NO PURCHASE NECESSARY. THIS IS NOT A COMMITMENT TO LEND. VOID WHERE PROHIBITED.
1. Promotion and Sponsor. Participation in the Mr. Cooper’s Ultimate Housewarming Giveaway Contest promotion(the “Promotion”) constitutes Entrant’s (as defined below) full and unconditional agreement to these Official Rules. Entrant is free to disclaim any prize and status as Entrant, and as a result will not be eligible to receive any prize. The Promotion is sponsored and administered by Nationstar Mortgage, LLC d/b/a Mr. Cooper, 8950 Cypress Waters Boulevard, Coppell, Texas 75019 (“Sponsor”). All decisions related to and interpretation of these Official Rules by Sponsor are final and binding. While this Promotion may be publicized on social media websites, such websites are not affiliated with Sponsor or this Promotion. This Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook, Twitter, Instagram, TikTok or any other third-party website or application that might host content where information about this Promotion is published (collectively “Content Hosts”). Entrant is providing information only to Sponsor and not to Content Hosts.
2. Promotion Period. The Promotion begins at 12:01 a.m. CT on March 22, 2023, and ends at 11:59 p.m. CT on April 30, 2023 (the “Promotion Period”). Only entries submitted and received during the Promotion Period will be accepted. Sponsor is the official timekeeper of this Promotion.
3. Eligibility. The Promotion is open only to individuals that are legal residents of one of the 50 United States or the District of Columbia, age 18 or older (19 or older in Alabama and Nebraska; 21 or older in Mississippi), or at least the age of majority in the jurisdiction of residence at the time of entry, who at the time of entry have (1) completed a Mr. Cooper home mortgage application for a purchase money home loan naming Entrant as borrower; (2) locked an interest rate; and (3) provided all documents and information necessary for the application to be submitted by Mr. Cooper for processing. Employees or agents of Sponsor or Sponsor’s real estate settlement service providers, or their respective parent or affiliate companies, vendors, suppliers, agencies, consultants, subcontractors or legal counsel, as well as the immediate family (spouse, parents, siblings and children) and household members of each such employee or agent, are not eligible. Legal entities are not eligible to enter. Eligibility is contingent upon agreement to, compliance with, and fulfillment of all requirements of these Official Rules.
4. How to Enter. There is one method of entry. By participating in the Promotion in any way you will become an “Entrant.” Each Entrant who enters using the below method of entry will receive one entry in the Promotion. Limit one eligible entry per person per 12-month period, and limit one eligible entry per Mr. Cooper home mortgage application.
Written Entry: During the Promotion Period, you will automatically become an Entrant and receive one entry in the Promotion when you submit a Mr. Cooper home mortgage application for a purchase money home loan naming Entrant as borrower, lock an interest rate, and provide all documents and information necessary for the application to be submitted by Mr. Cooper for processing. You will be notified via email when your loan is submitted to processing and provided a link for submitting a short statement (each, a “Statement”) of 150-400 words explaining why you want to buy a home and what you are most excited about for your new home, and submitting the Statement to Sponsor.
The Statement must be entirely original to and created only by Entrant. The Statement must not have been previously submitted in any promotion or publicly displayed through any means. The Statement must not reference or contain any lewd, vulgar, indecent, defamatory, discriminatory, obscene, offensive or illegal conduct or material. The Statement must not invade or infringe the rights of any individual or entity, including without limitation, privacy, publicity and intellectual property rights. Any entry that does not comply with these Official Rules will be deemed ineligible at the sole discretion of Sponsor.
Entrant agrees that Promotion entries may be made available by Sponsor for viewing, rating, reviewing and commenting by the public. By entering this Promotion, Entrant waives all privacy expectations that Entrant may have otherwise had with respect to any entry.
5. Conditions of Entry. Entries not legitimately submitted in accordance with these Official Rules are void. Only qualified entries received by Sponsor during the Promotion Period are eligible for participation. All entries become the property of Sponsor and will not be acknowledged or returned. Entrants may be required to provide the following information to be eligible for a Promotion prize: first, middle and last name, month, day and year of birth, email address, complete mailing address, phone number and proof of monthly mortgage payment (collectively, “Personal Information”). All requested Personal Information must be provided to participate in the Promotion and to be eligible to win a prize. Unintelligible entries; entries with incomplete, invalid or incorrect information; and entries that are counterfeit or tampered with in any way will be disqualified. Entries that are late, lost, damaged, misdirected, stolen or not delivered will be disqualified. Sponsor is not responsible if a potential winner does not receive a prize because incomplete, invalid or incorrect information was provided during the Promotion. Proof of sent entry or entry receipt (such as a copy of a “thank you” message) does not constitute proof of actual receipt of entry by Sponsor.
Participation must be by Entrant. Participation by any other individual or entity, or originating at any other website or platform, including without limitation, commercial promotion entering and subscription notification service sites, is invalid. Any attempt by any Entrant to obtain more than the stated number of entries by using multiple email addresses, phone numbers, identities, registrations or logins; entries through a sweepstakes club or similar entity; or any other unauthorized method of entry will void all of Entrant’s entries and Entrant will be disqualified from the entire Promotion. Submitting mass entries or entries generated by an automated program, script or macro, or the use of any other similar device, program or method to enter this Promotion is prohibited and will result in disqualification.
In the event of a dispute as to the identity of Entrant, the authenticated individual identified as the first borrower on the Mr. Cooper home mortgage application upon which entry was made will be deemed to be Entrant. If the identity of the individual who actually participated in the Promotion cannot be resolved to Sponsor’s satisfaction, the affected entry will be deemed ineligible.
Sponsor may, in its sole discretion, disqualify any individual it finds to be in violation of these Official Rules, tampering with the entry process or the operation of the Promotion (including without limitation, tampering with websites or Promotion entries), or acting in a non-sportsmanlike or disruptive manner. Any attempt to undermine the operation of the Promotion may be a violation of criminal or civil law, and Sponsor may seek damages to the fullest extent permitted by law from any person it finds to have made such an attempt.
6. Prize. There is one prize available to be won. The prize consists of a lump sum payment to the winner by check, ACH or other cash equivalent, in Sponsor’s sole discretion, of an amount equal to the winner’s current, verified monthly payment of principal and interest on the winner’s residential mortgage loan, multiplied by twelve, up to a maximum prize amount of $30,000. Maximum value of the entire prize in this Promotion is thirty thousand United States dollars (USD $30,000).
Actual value of prize will vary based on the winner’s actual monthly payment of principal and interest on the winner’s residential mortgage loan. All additional costs, including without limitation, insurance, surcharges, fees, taxes and other personal charges not specifically described as part of the prize above are not included in the prize. No compensation or substitution will be provided for any difference in prize value. Sponsor is not responsible for any cancellations, delays, postponements, diversions, substitutions, changes in service or any other act, omission, or result thereof, caused by any third party. The prize must be accepted as awarded without substitution and is not, in whole or in part, assignable, transferable or available for resale. Sponsor has made no warranty, representation or guarantee, express or implied, in fact or in law, with respect to any prize. Federal, state and local taxes and all other costs and expenses associated with acceptance of the prize are the winner’s sole responsibility. If the winner elects not to partake in any portion of the prize, any remainder of the prize that is unused will be forfeited and will not be subject to additional compensation. Any prize details not specified in these Official Rules will be determined by Sponsor in its sole discretion.
Sponsor is not responsible for non-payment or late payment of any portion of the winner’s mortgage loan. Winner is solely responsible for transmitting all mortgage loan payments to the appropriate mortgage loan servicer in accordance with the terms of the applicable loan agreement.
If any potential winner is disqualified, not eligible, or for any other reason cannot accept the prize as stated, then Sponsor may select a new potential winner from the remaining pool of eligible Entrants using the Criteria (as defined below). Where legal, the winner may be required to submit, without alteration and in the form provided by Sponsor, a completed and signed Affidavit of Eligibility and Liability & Publicity Release (the “Release”), along with a properly completed U.S. Department of the Treasury Internal Revenue Service Form W-9, within the required time period communicated in the Release to be eligible to receive the prize. The winner may be issued a U.S. Department of the Treasury Internal Revenue Service Form 1099 and related tax forms for the actual value of the prize.
Only one prize will be awarded in this Promotion. In the event that any error or discrepancy causes more than one prize to be promoted, noticed or claimed, Sponsor may award only one prize in accordance with Section 7 below (if such process has not already taken place at the time such error or discrepancy is discovered), or by applying the Criteria to all legitimate, unawarded, eligible prize claims received by Sponsor within 30 days of the end of the Promotion Period as a result of the process set forth in Section 7 below.
7. Winner Determination and Verification. The process leading to the selection of each potential prize winner is within the sole discretion of Sponsor. Within a reasonable time after the end of the Promotion Period, one potential winner will be selected from the pool of all eligible entries received during the Promotion Period. The potential winner will be chosen by a panel of three judges who are mortgage industry professionals, based on the following judging criteria applied to each Entrant’s entry: Originality (30%); Creativity (40%); and Emotional Appeal (30%) (together, the “Criteria”). The Entrant with the highest combined score on the Criteria will be selected as the potential winner. In the event of a tie, the Entrant with the higher score on the more heavily weighted criteria (Creativity) will be selected as the potential winner.
Potential winners are each subject to eligibility verification by Sponsor on an ongoing basis. An Entrant is not a winner of any prize, even if notified of being a potential winner, unless and until Entrant’s eligibility is verified to Sponsor’s satisfaction. To be verified as eligible to receive a prize, each potential winner must fulfill all requirements and continue to comply with all terms and conditions of these Official Rules, and not be disqualified for any reason. Each potential winner will be notified by email or phone (subject to Sponsor’s discretion). If a potential winner cannot be contacted using the information provided, or fails to respond to Sponsor’s attempt to notify them of selection within 10 business days; if any prize or notification is returned as undeliverable or yields an error or undeliverable message (regardless of whether the message is ultimately delivered to the recipient); if a potential winner fails to sign and return the Release or any other required documentation or fails to comply with these Official Rules; if a potential winner is unable or unwilling to accept the prize as stated; or if a potential winner cannot be verified as eligible for any reason at any time before, during or after the Promotion Period, then that potential winner is disqualified and forfeits the prize, and an alternate potential winner will be selected from among the remaining eligible entries based on the Criteria.
In the event that an Entrant or potential winner is disqualified or fails to claim the prize for any reason, the process set forth above will be repeated until the prize is awarded, or until three attempts have been made to award the prize and each attempt has failed. EXCEPT AS REQUIRED BY LAW, IF THE PRIZE REMAINS UNAWARDED FOR ANY REASON AFTER THREE ATTEMPTS, THE PRIZE WILL NOT BE AWARDED IN THIS PROMOTION. If any winner is awarded and claims a prize, a winners list may be obtained by printing the requestor’s name and complete mailing address on a 3×5” postcard and mailing it to Nationstar Mortgage, LLC, Attn: Marketing re Mr. Cooper’s Ultimate Housewarming Giveaway Contest, 8950 Cypress Waters Blvd., Coppell, TX 75019. Limit one request per person, per household. Requests must be received within six months of the end of the Promotion Period.
8. Limitations of Liability. By entering or participating in this Promotion in any way, each Entrant, and the winner, agrees to indemnify, defend (regardless of ultimate liability), and hold harmless, and thereby does release and discharge Sponsor, and Content Hosts, and each of their respective parent and affiliate companies, vendors, suppliers, agencies, consultants, subcontractors and legal counsel, and each of their respective parent companies and each such company’s officers, directors, employees and agents, as well as the immediate family (spouse, parents, siblings and children) and household members of each such individual (collectively, the “Released Parties”) from and against all loss, liability, damage, injury, claim or cause of action related in any way whatsoever to this Promotion, these Official Rules, or the rights, consents and licenses granted to Sponsor under these Official Rules, including without limitation, violation of any agreement or obligation; infringement of any right of publicity or intellectual property; threatened or actual injury, loss or damage to any person, including sickness, disease, death and disability; defamation or portrayal in a false light (intentional and unintentional); invasion of privacy; and damage to or loss of property, arising out of such Entrant’s, or the winner’s, participation in the Promotion or receipt, use, non-use or misuse of the prize. To the maximum extent allowed by law, in no event will the Released Parties be responsible for any damages or losses of any kind, including indirect, incidental, consequential or punitive damages arising out of this Promotion. Some jurisdictions may not allow the limitations or exclusion of liability for incidental or consequential damages or exclusion of implied warranties. Check local laws for restrictions regarding these limitations or exclusions.
Entrants waive any right to claim ambiguity in these Official Rules. The Released Parties are not responsible for: (a) technical failures of any kind; (b) incorrect information, whether caused by Entrants, any internet or email service provider, any promotional or advertising agency, printing or computing errors, or by any of the equipment or programming associated with the Promotion; (c) unauthorized human intervention in any part of the entry process or the Promotion; (d) technical or human error that may occur in the administration of the Promotion, the processing of entries or the announcement of any potential winner or prize; (e) any injury or damage to persons or property, including without limitation, computers, phones and tablets, that may be caused, directly or indirectly, in whole or in part, by Entrant’s participation in the Promotion or access to the Promotion materials; (f) the receipt, use or misuse of the prize; or (g) any other errors in any materials, information or announcements associated with the Promotion. If for any reason an Entrant’s entry is confirmed by Sponsor to have been erroneously deleted, lost or otherwise destroyed or corrupted by Sponsor, Entrant’s sole remedy is another entry in the Promotion, subject to availability and provided that the Promotion Period has not then expired.
EACH ENTRANT WAIVES CALIFORNIA CIVIL CODE § 1542 (AND ALL SIMILAR LAWS OF ANY STATE), WHICH READS: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, AND THAT IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.” EACH ENTRANT REPRESENTS AND WARRANTS FULL UNDERSTANDING OF, AND ACKNOWLEDGES THE SIGNIFICANCE AND CONSEQUENCE OF, WAIVER OF CALIFORNIA CIVIL CODE § 1542 (AND ALL SIMILAR LAWS OF ANY STATE).
9. LICENSES FROM ENTRANT. To the extent allowed by law, participation in the Promotion in any way constitutes each Entrant’s, and the winner’s, consent for, and grant of a non-exclusive, sub-licensable and assignable license to Sponsor to record, publish, post, display and otherwise exploit such Entrant’s, and the winner’s, name, social media handles, likeness, image, voice, aural and visual performance (together or independently), statements and hometown, regardless of whether altered, distorted or used alone or with other material, in Sponsor’s sole discretion, for commercial, promotional, marketing and trade purposes in any medium now known or later discovered, worldwide and in perpetuity, without review or approval, and without further notice, payment or consideration of any kind.
By uploading, submitting or posting any written material related to this Promotion, regardless of whether such written material is selected as a winning entry, Entrant grants Sponsor a non-exclusive, royalty-free license, with the right to sublicense, to exploit, reproduce, copy, modify, publish, transmit, display, distribute and create derivative works of the written material using all mediums or distribution methods now known or later developed, including on any social media platform, in whole or in part, individually or as part of a compilation, for any lawful purpose whatsoever, with such license extending to, without limitation, all trademark rights, copyright rights, performance rights and all publicity and privacy rights of any kind, worldwide and in perpetuity. Entrant agrees that Sponsor may make the written material available on the internet for public access and information, and grants Sponsor permission for such internet publication and use. Entrant waives the right to inspect or approve any use of the written material by Sponsor and its licensees, including any added written or electronic copy. Sponsor may, but is not obligated to, include Entrant’s name as a credit in connection with any use of the written material. Entrant agrees that Sponsor is not obligated to use any of the rights granted to it under these Official Rules.
All rights, consents and licenses granted to Sponsor under these Official Rules or the Release will survive the termination of this Promotion. Such consents and licenses may only be revoked in writing, and the mere ending of this Promotion is not sufficient to revoke such consents or licenses.
10. Right to Modify or Cancel. The invalidity or unenforceability of any provision of these Official Rules will not affect the validity or enforceability of any other provision. In the event any provision is found invalid or unenforceable, these Official Rules will otherwise remain in effect in accordance with their terms as if the invalid or unenforceable provision was never included. Sponsor’s failure to enforce any provision of these Official Rules does not constitute a waiver of that provision.
To the extent permitted by law, Sponsor may cancel, suspend or modify the Promotion or any part of it, in any way, if Sponsor determines in its sole discretion that the Promotion is not capable of executing as Sponsor intended, or that any error, omission, fraud, technical failure, tampering, computer virus or other factor, technical or otherwise, beyond Sponsor’s reasonable control, impairs or may impair Sponsor’s ability to properly conduct the Promotion. In such event, Sponsor may, but is not obligated to, award the prize by using the Criteria to select a winner from among the eligible entries received up to the time of the cancellation, suspension or modification of the Promotion. Inclusion in such judging pool is Entrant’s exclusive remedy under such circumstances.
In the event of an inconsistency between these Official Rules and any information contained in any Promotion-related materials, including without limitation, a Promotion entry form or any point-of-sale, radio, television, print or online advertising, these Official Rules will prevail and govern.
11. Disputes; CLASS ACTION WAIVER. Except where prohibited by law, Entrant agrees that: (a) all disputes, claims and causes of action arising out of or related to this Promotion or any prize will be resolved individually, without any form of class action, and Entrant consents to the personal jurisdiction of the appropriate federal or state court located in Dallas County, Texas for such purpose; and (b) all claims, judgments and awards will be limited to actual out-of-pocket costs incurred, including costs associated with entering this Promotion, but in no event attorneys’ fees. The Promotion and these Official Rules are governed by and will be construed in accordance with the laws of the State of Texas, without giving effect to any choice of law or conflict of laws rules that would cause the application of the laws of any other jurisdiction.
12. Privacy. By entering this Promotion, Entrant agrees to Sponsor’s manner of collection, use, retention and disclosure of Entrant’s Personal Information submitted or obtained in connection with the Promotion. Personal Information collected from Entrant is subject to Sponsor’s privacy policy, which can be found at https://www.mrcooper.com/privacy, and may additionally be disclosed by Sponsor in connection with a public list of Promotion winners, or pursuant to any license granted to Sponsor by Entrant under these Official Rules or the Release.