Terms & Conditions

USLA Raffle Terms and Conditions

1. General Information

Union Savings & Loan Association may conduct raffles throughout the year in connection with community events, customer appreciation activities, and promotional campaigns. These Terms and Conditions ("Terms") govern all raffles conducted by USLA, whether entry is made through digital forms, paper entries, or other approved methods.

2. Eligibility

Who Can Enter:

• Must be 18 years of age or older at the time of entry (For Community Youth Day, child must be accompanied by an adult 18 years of age or older)
• Must be a legal resident of the United States
• Void where prohibited by law

Who Cannot Enter:

• Minors under 18 years of age (With the exception of Community Youth Day — Child will need to be accompanied by an adult 18 years of age or older.)
• Individuals residing in states or jurisdictions where such raffles are prohibited
• Anyone who has been previously disqualified from USLA promotions for violation of terms

3. Entry Methods

Digital Entries:

• Complete the official online entry form at USLAbank.com or through approved USLA digital platforms
• Provide accurate and complete information as requested
• One entry per person per raffle period unless otherwise specified

Paper Entries:

• Complete official entry forms available at USLA branch locations
• Deposit completed forms in designated raffle boxes at participating USLA locations
• Entry forms must be legible and complete to be valid

General Entry Requirements:

• No Purchase Necessary: You do not need to purchase any product or service from USLA to enter or win
• All entries must be received by the specified deadline
• Incomplete, illegible, or damaged entries will be disqualified
• Limit one entry per person per raffle unless otherwise specified

4. Raffle Drawing and Winners

Drawing Process:

• Winners will be selected through a random drawing from all eligible entries received
• Drawings will be conducted at the date, time, and location specified for each raffle
• Drawings will be supervised by authorized USLA personnel
• Winners need not be present to win unless specifically stated

Winner Notification:

• Winners will be contacted using the information provided on their entry form
• USLA will attempt to contact winners within 5 business days of the drawing
• If a winner cannot be reached within 10 business days, or fails to respond within the specified time frame, the prize may be forfeited and an alternate winner selected

Winner Verification:

• Winners must provide valid photo identification to claim prizes
• Winners may be required to sign an affidavit of eligibility and liability/publicity release
• USLA reserves the right to verify eligibility and disqualify any winner who does not meet requirements

5. Prizes

Prize Details:

• Prizes are as specified for each individual raffle
• Prizes have no cash value unless specifically stated
• Prizes are not transferable, exchangeable, or redeemable for cash
• All prizes will be awarded "as is" with no warranty or guarantee

Prize Limitations:

• Winners are responsible for any applicable federal, state, or local taxes
• Prizes valued at $600 or more may require tax reporting
• USLA reserves the right to substitute prizes of equal or greater value
• Unclaimed prizes will not be awarded

6. Winner Responsibilities

Tax Obligations:

• Winners are solely responsible for all applicable taxes on prizes received
• USLA will issue appropriate tax forms (such as Form 1099) when required by law
• Winners should consult with their tax advisors regarding tax implications

Publicity:

• By participating, winners consent to USLA's use of their name, photograph, likeness, and prize information for promotional purposes without additional compensation
• Winners may be asked to participate in promotional activities, photos, or interviews

7. Rules and Restrictions

Prohibited Actions:

• Any attempt to damage, manipulate, or tamper with the raffle process
• Submitting false information or using false identification
• Attempting to enter more times than permitted
• Any fraudulent or deceptive practices

USLA's Rights:

• We reserve the right to modify, suspend, or terminate any raffle at any time
• We may disqualify any participant who violates these terms
• We reserve the right to verify the identity and eligibility of all winners
• Decisions regarding raffle administration and winner selection are final

8. Legal Compliance

Indiana Gaming Laws:

• All USLA raffles are conducted in compliance with Indiana charity gaming laws
• When required, USLA maintains appropriate licenses from the Indiana Gaming Commission
• Raffle records are maintained as required by applicable law

Federal Regulations:

• USLA complies with all applicable federal banking and consumer protection regulations
• Raffle activities do not constitute gambling under federal banking regulations

9. Limitations of Liability

Disclaimer:

• USLA makes no representations or warranties regarding prizes
• Participation is at your own risk
• USLA is not responsible for technical failures, lost entries, or communication issues
• USLA's liability is limited to the value of the prize awarded

Release:

• By participating, you release USLA from any claims arising from participation in the raffle
• This includes claims related to prizes, tax obligations, or promotional use of your information

10. Privacy and Data Use

Information Collection:

• Entry information is collected solely for raffle administration purposes
• Information may be used for winner notification and prize fulfillment
• Contact information may be used for future USLA marketing with your consent

Data Protection:

• Your personal information will be handled in accordance with USLA's Privacy Policy
• We implement appropriate security measures to protect your information
• Information will not be sold or shared with third parties except as required by law

11. Dispute Resolution

Governing Law:

• These Terms are governed by the laws of the State of Indiana
• Any disputes will be resolved in the appropriate courts of Indiana

Final Decisions:

• All decisions regarding raffle administration, winner selection, and disputes are final
• USLA reserves the right to interpret these Terms in its sole discretion

12. Contact Information

Questions about our raffles? We're here to help!

Union Savings & Loan Association

Main Office:
730 Central Avenue
Connersville, IN 47331
Phone: (765) 825-2171

Additional Locations:

• Connersville 30th: 500 West 30th Street, Connersville, IN 47331 - (765) 827-0465
• Greenfield: 1986 West Main Street, Greenfield, IN 46140 - (317) 467-9470
• Rushville: 131 South Main Street, Rushville, IN 46173 - (765) 932-6131

Website: USLAbank.com

13. AMENDMENTS

USLA reserves the right to modify these Terms and Conditions at any time. Updated terms will be posted on our website and will apply to all raffles conducted after the posting date. Continued participation in USLA raffles constitutes acceptance of any modifications.

At Union Savings & Loan, we're committed to serving our community with integrity and transparency. Thank you for your participation and continued trust in your hometown bank.

Banking begins with U™

Last Updated: [6/26/2025]
Version: 1.0