Steps to Savings Challenge Contest Rules

NO PURCHASE NECESSARY TO ENTER OR WIN. VOID WHERE PROHIBITED. ENTRY IN THIS CONTEST CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES.

The WCCU Steps to Savings Challenge Essay Contest (the "Contest ") is sponsored by Westerly Community Credit Union, located at 4979 Tower Hill Rd., Wakefield, RI 02879. The Contest is designed to encourage eligible school students and their parents/guardians on their behalf ("Entrant(s)" or "You") to share one short, medium, or long-term savings goal and their plan for achieving that goal. Judges will choose the winning entries, and prizes will be awarded in accordance with these Official Rules (the "Official Rules").

Over the course of this Contest beginning April 1, 2025 at 12:00am EDT and concluding April 30, 2025 at 11:59pm EDT, Entrants will be asked to share a short-term, medium-term, or long-term savings goal, outline how the Entrant plans to achieve this goal, and showcase what the Entrant learned from the WCCU Steps to Savings Challenge in the Entrant’s plan.

Entrants will be judged based on creativity, the content of the message, quality of writing, and demonstrated understanding of the concepts from the course in accordance with the Rubric (as further described below).      

To submit an entry, Entrants will visit https://westerly-community-credit.everfi-next.net/welcome/steps-to-savings and complete the digital entry form. Entries will be solely evaluated based on this submission. Course participation, course results and/or social media posts will not factor into the evaluation.

The winning entries will be selected in accordance with the Rubric by 11:59 pm EDT on May 19, 2025 and will be notified via email by Westerly Community Credit Union.

WCCU will award one (1) $100 VISA Gift card to one (1) winning student. 

Entries will be judged based on the following rubric (the “Rubric”)

With prior written approval from a winner’s parent or legal guardian, and to the extent permitted by applicable law, winning entries and the winner’s name and likeness may be featured by WCCU. Winners will be notified via email no later than 6:00pm EDT May 19th, 2025, and announced via social media and marketing channels once winners have confirmed receipt. The prize will be distributed upon completion of the authorization form by the winning child’s parent or legal guardian.

To enter the contest, participants must meet the following eligibility requirements: (a) they must have permission from a parent or legal guardian to participate, (b) they must be residents of Rhode Island, New London County CT, or Windham County CT, and (c) they must be in grades 8-12 as of April 1, 2025. 

Westerly Community Credit Union Board of Directors, employees, and their immediate family members are not eligible to participate.

Entrants may only submit one (1) entry. Entrants may not submit entries as a group.

Entry Requirements: All entries must comply with the following restrictions:

WCCU reserves the right in its sole discretion to disqualify any entry in violation of the Official Rules.

WCCU and its affiliates may share the content of the submitted Contest entry anonymously and with no personal identifiers with Third Party Sponsors. By submitting any content, Entrants hereby represent and warrant that the submitted materials do not and shall not infringe on any copyright, trademark, or other right of any third party.

Entrants are eligible to win no more than one (1) prize. Winners will be emailed an authorization form that a parent or guardian must complete and return within fourteen (14) days in order to receive the prize. In the event the authorization form are not returned within fourteen days, WCCU reserves the right to select a new winner. Prizes may not be resold, are non-transferable and may not be redeemed for cash. WCCU reserves the right to substitute prize(s) of comparable or greater value in the event a prize or any portion thereof becomes unavailable for any reason. Void where prohibited. 

Parents or legal guardians of each winner will be required to sign an affidavit of eligibility and publicity release granting WCCU the right to attribute the submitted entry to an Entrant’s name, to the extent permitted by law. This promotion is sponsored solely by Westerly Community Credit Union, located at 4979 Tower Hill Rd., Wakefield, RI 02879. WCCU reserves the right in its sole and absolute discretion to terminate this Contest at any time without prior notice. NO PURCHASE NECESSARY.

As between WCCU and the Entrant, the Entrant retains ownership of all intellectual property rights in and to the Entrant's entry (excluding WCCU’s rights in the WCCU logo/trademark). WCCU retains all rights in their respective products and services and entry will in no case serve to transfer any WCCU or Third Party Sponsors intellectual property rights to the Entrant.

As a condition of entry, Entrant grants the Released Parties (as defined below) a perpetual, irrevocable, worldwide, transferable, royalty-free, and non-exclusive license to make, use, sell, offer to sell, reproduce, adapt, modify, copyright, publish, distribute, publicly perform, create a derivative work from, and publicly display the entry for any purpose, including display on the WCCU website, without any attribution or compensation to Entrant.

The Entrant acknowledges that receipt, consideration, and/or review of Entrant’s entry is not an admission by the Released Parties of the novelty, propriety, originality, or value of the entry, or the priority of any entry over another. The Entrant acknowledges that content in the entry may be the same as or similar to concepts the Released Parties have previously developed on their own, have received from or via third parties, or have considered developing independent of the Entrant. As such, the Entrant hereby agrees that the Entrant (on behalf of the Entrant and any person, parent, guardian, school, institution, company, or other entity that the Entrant may represent or be involved with) will not pursue any claim or take any action of any kind against the Released Parties in connection with any actions that any of them may take at any time with respect to the entry or any other program or idea relating to the entry or the Released Parties.

Entrants agree and acknowledge that personal data submitted with an entry, including name, mailing address, phone number, and email address may be collected, processed, stored and otherwise used by WCCU for the purposes of conducting and administering the Contest. All personal information that is collected from parents, guardians, and teachers on behalf of Entrants is subject to WCCU’s Privacy Policy, located at: https://www.westerlyccu.com/Privacy-Policy. Individuals submitting personal information in connection with the Contest have the right to request access, review, rectification, or deletion of any personal data held by WCCU in connection with the Contest by emailing WCCU at [email protected]. 

With prior written approval from a winner’s parent or legal guardian, winning entries and the winner’s name and likeness may be featured by WCCU. Winners will be notified via email no later than 11:59pm EST May 19th, 2025, and announced via social media and marketing channels once winners have confirmed receipt. Prizes will be distributed upon completion of the authorization form by the winning child’s parent or legal guardian.

By participating in the Contest, Entrants agree to release, indemnify, defend and hold harmless WCCU, and any of the foregoing’s respective affiliates, together with each of the foregoing's respective officers, directors, employees, governors, members, partners, shareholders, owners, and agents (the “Released Parties”) from and against - and hereby waive any right to pursue - any claim or cause of action of any nature arising out of participation in the Contest, use of Entrant entries or their contents, or receipt or use of any prize (or component thereof), including, but not limited to: (a) any technical errors that may prevent an Entrant from submitting an entry; (b) errors in the administration of the Contest  or delivery or the processing of entries; (c) the violation of any third-party privacy, personal, publicity or proprietary rights; (d) acceptance, attendance at, receipt, travel related to, participation in, delivery, possession, defects in, use, non-use, misuse, inability to use, loss, damage, destruction, negligence or willful misconduct in connection with the use of a prize (or any component thereof); (e) any change in the prizing (or any components thereof); (f) human error; (g) any wrongful, negligent, or unauthorized act or omission on the part of any of the Released Parties; (h) lost, late, stolen, misdirected, damaged or destroyed prizing (or any component thereof); or (i) the negligence or willful misconduct by Entrant. Entrant waives the right to claim any damages whatsoever, including, but not limited to, punitive, consequential, direct, or indirect damages.

If, for any reason, the Contest  is not capable of running as planned, or the integrity and or feasibility of the Contest is severely undermined by any event beyond the control of WCCU including but not limited to fire, flood, epidemic, pandemic, COVID-19, earthquake, explosion, labor dispute or strike, act of God or public enemy, satellite or equipment failure, riot or civil disturbance, war (declared or undeclared), terrorist threat or activity, or any federal, state, provincial or local government law, order, or regulation, order of any court or jurisdiction, infection by computer virus, unauthorized intervention, technical failures or other cause not reasonably within the control of WCCU, WCCU reserves the right, at its sole and absolute discretion to abbreviate, cancel, terminate, modify or suspend the Contest and/or proceed with the Contest, including the selection of winners in a manner it deems fair and reasonable, including the selection of winners from among eligible entries received prior to such cancellation, termination, modification or suspension without any further obligation provided a sufficient number of eligible entries are received. If WCCU in its discretion, elects to alter this Contest as a result of a force majeure event, a notice will be posted at https://www.westerlyccu.com/Savings-Challenge.

Without limiting the foregoing, everything regarding this Contest, including the prizes, is 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.

All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules shall be governed by, and construed in accordance with, the internal laws of the states of Rhode Island and Connecticut, without regard to conflict of law principles.