*This is a contest of skill. No purchase necessary. Purchase will not increase your chance of winning. Subject to all applicable laws, regulations, and ordinances. Void where prohibited or restricted by law.

Entries must be received online at ZealCU.org/Nominate by Friday, June 30, 2023. Must be 18+ years of age (or 19+ for residents of AL &NE). All entries shall become property of Zeal Credit Union. We will be looking for nominees who embody those actions/attributes of a hard worker outlined on this page. See full Contest Terms, Conditions, and Official Rules for judging criteria.

Six (6) Potential Prize recipients successfully passing through the verification process as set forth in the Contest Terms, Conditions, and Official Rules and submitting all required documentation shall become Final Prize Recipients. Each Final Prize Recipient shall receive $700, and a $700 donation made by the Credit Union on their behalf to one of the 501(c)3 charities listed here. The nominator of each of the six (6) Final Prize Recipients will receive $100. In the event that there is more than one nominator for an individual recipient, the $100 will be divided evenly among those who nominated each recipient. Recipients will be notified no later than July 31, 2023. Final Prize Recipients and nominators are solely responsible for all applicable federal, state and local taxes and any expenses associated with the Prize.

Recipients must agree to have his/her story shared through video and other media before final selections and donations are made. Click here for full Contest Terms, Conditions, and Official Rules. Contest sponsored by Zeal Credit Union, located at 17250 Newburgh Road, Livonia, MI 48152.

Click here, or read below for full Terms, Conditions, and Official Rules.

FAQ

Please email Marketing@zealcu.org should you have any further questions.

The 2023 “Here’s to the Hard Working Americans Contest” (“Contest”) is a prize-linked
promotion offered by Zeal Credit Union (the “Credit Union”), whereby you can nominate a
deserving individual or business to receive a prize. These Contest Terms, Conditions and
Official Rules (“Official Rules”) apply to all Contest participants and prize recipients.

1. CONTEST TERM AND DEADLINES
   The Contest will be conducted in two phases. The first phase begins on June 1 at 12:00 AM
   and ends June 30, 2023, at 11:59:59 PM. (the “Nomination Period”). The second phase will
   commence on July 1, 2023 and will end on July 14, 2023 at noon/ 12 PM EST (the “Judging
   Period”). All times are Eastern Standard Time as observed in Livonia, Michigan. Following
   the conclusion of the Judging Period, on or about July 14, 2023, the six (6) Potential Prize
   Recipients will be selected from among all Eligible Entries received, pursuant to the
   Judging Criteria set forth herein.
2. ELIGIBILITY REQUIREMENTS
   Individuals making nominations and their nominees must be at least 18 years of age, and
   legal residents in the United States and the District of Columbia. Residents of AL & NE must
   be 19 years of age or older. The Contest is void in Puerto Rico, U.S. territories and
   possessions outside the 50 United States and District of Columbia, and where prohibited
   or restricted by law. Employees and board members of the Credit Union, and their
   respective IRS dependents, immediate families (parent, child, sibling, and spouse) and/or
   members of their households, are ineligible to participate in this Contest. The Credit
   Union’s advertising, promotion, or production agencies, web masters and web suppliers,
   and their respective officers, directors, employees, representatives, and agents
   (collectively, the “Contest Entities”) and their IRS dependents, immediate families (parent,
   child, sibling, and spouse) and/or members of their households, are ineligible to participate
   in the Contest. By participating in the Contest, all participants, Potential Prize Recipients,
   and Final Prize Recipients agree to be bound by these Official Rules and the decisions of
   the Credit Union, which shall be final and binding in all matters related to the Contest.
3. HOW TO ENTER
   Visit ZealCU.org/Nominate (the “Contest Site”) during the Nominating Period and
   complete the required entry form (“Entry Form”). Participants must complete and submit
   the Entry Form in its entirety, providing all requested information, including, but not limited
   to, the first and last name, telephone number and email address of the participant making
   the nomination, as well as the full name, email, and telephone number of the nominee,
   together with an explanation of why the participant is nominating the nominee. Entry
   Forms that are missing any information or are otherwise incomplete in any way will be
   rejected and will not be considered for entry into the Contest. Each fully completed Entry
   Form submitted shall be an “Entry”. An Entry shall be an “Eligible Entry” where it is fully
   and accurately completed, timely and properly submitted during the Nominating Period,
   and where both the nominating participant and the nominee meet the Eligibility
   Requirements set forth in Section 2 of these Official Rules. Proof of submission will not be
   considered proof of receipt.
4. JUDGING CRITERIA/SELECTION OF POTENTIAL PRIZE RECIPIENTS
   On or about July 14, 2023, each Eligible Entry shall be judged separately based on the
   following judging criteria and with the following weight given to each such criteria
   (collectively, the “Judging Criteria”):
   A. Impact: 25% Each Eligible Entry will be judged for the impact this person made/is
   making within a Michigan community. Did/do they have a significant impact on
   the life or lives of another?
   B. Compelling Story Pitch: 50% Each Eligible Entry will be judged based on the
   reason stated in the Eligible Entry as to why the nominee should be selected to
   receive a prize.
   C. Creativity: 25% Each Eligible Entry will be judged on its creativity.
   The six (6) Eligible Entries having the highest combined scores shall be declared to be
   Potential Prize Recipients, subject to verification by the Credit Union. In the event of a tie,
   the Eligible Entries having the most compelling stories will be declared the Potential Prize
   Recipients from among all tying Eligible Entries, as determined by the Judges in their sole
   and absolute discretion. Judging decisions shall be final on all matters relating to the
   Contest.
5. NOTIFICATION TO, AND OBLIGATIONS OF ALL POTENTIAL PRIZE RECIPIENTS
   Between July 15, 2023 and July 31, 2023, the Potential Prize Recipients will be notified by
   email directed to the email address that was provided on the Eligible Entry. If the Potential
   Prize recipient does not respond within the time period specified in such email notification,
   the Credit Union will make one (1) additional attempt to contact the Potential Prize recipient
   at the same email address. If the Potential Prize Recipient does not respond within twenty-four (24) hours from the time this second email is sent, the Potential Prize Recipient shall
   be disqualified and the Eligible Entry having the next highest score using the Judging
   Criteria above, shall be chosen as the Potential Prize recipient. Nominating participants are
   solely responsible for providing the Credit Union with accurate contact information.
   All Potential Prize recipients will be required to provide proof, to the Credit Union’s
   satisfaction, of his/her/their eligibility, including without limitation, proof of age, residence,
   and identity. All Potential Prize recipients will be asked to complete, sign and return
   within five (5) days an Affidavit of Eligibility; a Release of Liability; an Assignment of Rights;
   a Publicity Release (where legal); written permission for Credit Union to conduct a
   background check (as discussed in more detail in Section 5 of these Official Rules) and any
   other similar documentation considered reasonably necessary given the nature of the
   Contest in the Credit Union’s sole discretion (collectively, the “Documentation”). Failure to
   complete the Documentation as required may result in the disqualification of the Potential
   Prize Recipient’s disqualification, at the Credit Union’s sole discretion, and selection of an
   alternate Potential Prize Recipient based on the next highest score using the Judging
   Criteria above.
   All Potential Prize Recipients must sign a written authorization permitting the Credit Union
   and its designated agents and representatives to conduct a comprehensive review of the
   Potential Prize Recipient’s background (the “Background Check”). All Potential Prize
   Recipients will be asked to provide a social security number or similar tax identification
   number, addresses or residences from the last seven (7) years, date of birth, prior names
   (e.g. maiden name) and any other information necessary for the Credit Union and its
   designated agents and representatives to conduct a Background Check. The scope of the
   Background Check may include, without limitation, civil and criminal history records from
   any criminal justice agency in any or all federal and state records, sex offender registry
   check, and terrorist watch list check. Potential Prize Recipients failing or refusing to provide
   authorization for a Background Check will be disqualified and the Credit Union will select
   an alternate Prize recipient based on the next highest score using the Judging Criteria
   above.
   In addition, Sponsor reserves the right, in its sole discretion, to disqualify a participating
   nominee and/or a Potential Prize recipient for any reason, including, but not limited to (as
   applicable), (a) non-compliance with these Official Rules; (b) notification being returned as
   undeliverable; (c) negative or unacceptable (as determined in the Credit Union’s sole
   discretion) information revealed in the Background Check; (d) failure to meet Eligibility
   Requirements; (e) failure of the Entry to qualify as an Eligible Entry.
6. PRIZES
   Six (6) Potential Prize recipients successfully passing through the verification process as
   set forth in these Official Rules and submitting all required Documentation shall become
   Final Prize Recipients. Each Final Prize Recipient shall receive $700, and a $700 donation
   made by the Credit Union on their behalf to one of the 501(c)3 charities listed on the
   contest page at ZealCU.org/nominate. The nominator of each of the six (6) Final Prize
   Recipients will receive $100. In the event there is more than one nominator for an
   individual Prize Recipient, the $100 will be evenly divided among those who nominated
   the Prize Recipient. Final Prize Recipients and nominators are solely responsible for all
   applicable federal, state and local taxes and any expenses associated with the Prize.
7. PUBLICITY/ASSIGNMENT OF RIGHTS
   By submitting an Entry or accepting a Prize, you grant to the Credit Union and its authorized
   agents a royalty-free, sub-licensable, transferable right to exploit the content of your Entry
   in any medium throughout the world in perpetuity for editorial, educational, promotional,
   publicity, advertising, or any other purpose on behalf of the Credit Union or its affiliates,
   without further compensation unless specifically prohibited by law. You explicitly
   acknowledge and agree that the Credit Union reserves the right to publish any or all of the
   content of Entry with or without first and last name credit to the nominating participant,
   and Entries attempting to restrict this right will not be considered. Additionally, you agree
   that the Credit Union will be the sole and exclusive owner of all rights, title and interest in
   all ideas, concepts, expressions, information, material and works of authorship prepared in
   connection with any Entry, each as a “Work Made For Hire” under the Copyright laws of
   the United States, but if such works of authorship cannot be so deemed, then the Prize
   winner hereby irrevocably assign and transfer to the Credit Union, its successors and
   assigns, any and all rights, title and interest that you may have in any of the materials
   prepared in connection with the Contest. Participants and Prize Recipients shall execute at
   the Credit Union’s request such assignments and other documents as may be necessary to
   confirm or enact this assignment or any grant of rights set forth herein. Should the Credit
   Union fail to request the said assignment as stated, that shall not be deemed a waiver of
   the Credit Union’s rights and the Credit Union may at a later time request the
   assignment. By submitting an Entry and/or accepting a Prize, you explicitly acknowledge
   that their story can and will be shared through photo/video and shared on the Zeal Credit
   Union website and social channels such as Facebook and Instagram with no additional
   compensation, and no prior approval.
8. INDEMNIFICATION AND WARRANTIES
   The Credit Union makes no representations or warranties of any kind with respect to the
   Contest. Any warranty, express or implied, is hereby excluded and disclaimed. By
   participating in the Contest, each participant, Potential Prize Recipient and/or Final Prize
   Recipient releases and discharges Zeal Credit Union and its officers, directors, employees,
   shareholders, members and representatives, and agents (the “Indemnified Parties)
   harmless from any and all liability whatsoever in connection with the Contest, including
   without limitation, legal claims, costs, injuries, losses or damages, demands or actions of
   any kind (including without limitation personal injuries, death, damage to, loss or
   destruction of property, rights of publicity or privacy, defamation or portrayal in a false
   light (collectively “Claims”). Except where prohibited by law, acceptance of a Prize
   constitutes a release by the Prize Recipient of the Indemnified Parties of any and all claims
   in connection with the administration for the Contest and the use, misuse, or possession
   of any Prize. The Credit Union reserves the right to disqualify any participant, Potential Prize
   Recipient and/or Final Prize Recipient who fails to follow these Official Rules or who makes
   any misrepresentations relative to the Contest and/or Prize redemption.
9. LIMITATIONS ON LIABILITY
   Neither the Credit Union, the Indemnified Parties, nor the Contest Entities are responsible
   for illegible, lost, late, damaged, destroyed, inaccurate, delayed, incomplete, unintelligible,
   non-delivered, misdirected, stolen Entries; or for incomplete, inaccurate, lost, interrupted
   or unavailable network, satellite, telephone networks or lines, cellular towers or equipment
   (including handsets), computer on-line systems, computer equipment, software, viruses or
   bugs, servers or providers, or other connections, availability or accessibility; or for
   unauthorized access to, or alteration of entries; or miscommunications, failed computer,
   telephone, cellular, satellite, or cable transmissions, lines or other technical failure; or for
   jumbled, scrambled, delayed, or misdirected transmissions, computer hardware or
   software malfunctions, failures or difficulties; or for any other errors of any kind, whether
   human, technical, mechanical, electronic or network, including, without limitation, any
   errors which may occur in connection with the administration of the Contest or in any
   Contest-related materials; or for the incorrect or inaccurate capture of Entry or other
   information, or the failure to capture any such information. Persons who tamper with or
   abuse any aspect of the Contest or Contest Site, as solely determined by the Credit Union,
   will be disqualified (and all associated Entries will be void), and Sponsor reserves the right
   to terminate such person’s eligibility to participate in this or any other promotion offered
   by the Credit Union. Entries generated by robotic, programmed, script, macro, or other
   automated means or by any means which subvert the entry process will be disqualified.
   The Credit Union and the Contest Entities are not responsible for injury or damage to
   participant’s or to any other person’s computer related to or resulting from participation in
   the Contest or downloading materials from the Contest Site. Should any portion of the
   Contest be, in the Credit Union’s sole opinion, compromised by virus, worms, bugs, non-authorized human intervention or other causes which, in the sole opinion of the Credit
   Union, corrupt or impair the administration, security, fairness or proper play, or submission
   of Entries, the Credit Union reserves the right at its sole discretion to suspend or terminate
   the Contest, and select Potential and Final Prize Recipients for judging from all non-suspect,
   Eligible Entries received prior to action taken or as otherwise deemed fair and appropriate
   by the Credit Union.
10. DISPUTES
    By participating in the Contest and/or accepting any Prize, you agree that (a) any and all
    disputes, claims, and causes of action arising out of, or connected with, the Contest
    (including without limitation, any alleged violation of these Official Rules, any controversy
    relating to the arbitrability of any dispute, or any claim that these Official Rules (or any part
    thereof) are invalid, illegal, or otherwise voidable or void) shall be resolved individually,
    without resort to any form of class action, and exclusively by arbitration to be held solely
    in the State of Michigan; (b) any and all claims, judgments, liabilities, and/or awards shall
    be limited to actual out-of-pocket costs incurred, and in no event will a claimant be entitled
    to receive attorneys’ fees or other legal costs; and (c) under no circumstances will a
    claimant be permitted to obtain awards for, and you hereby waive, all rights to claim,
    punitive, special, incidental, and/or consequential damages and any other damages, other
    than out-of-pocket expenses, and any and all rights to have damages multiplied or
    otherwise increased. All issues and questions concerning the construction, validity,
    interpretation and enforceability of these Official Rules, or the rights and obligations of
    participants, Potential Prize Recipients, Final Prize Recipients, and/or Sponsor in connection
    with the Contest, shall be governed by, and construed in accordance with, the laws of the
    State of Michigan, without giving effect to any choice of law rules.
11. SPONSOR AND ADMINISTRATOR
    Sponsor and Administrator: Zeal Credit Union, 17250 Newburgh Road, Livonia, MI 48152