American
Education Services
$20,000
Second Chance Scholarship Sweepstakes
Official Sweepstakes Rules
THERE IS NO
PURCHASE NECESSARY TO ENTER OR TO WIN A PRIZE.
1) Description of
Sweepstakes: American Education
Services, (the “Sponsor”) is offering the
“$20,000 Second Chance Scholarship Sweepstakes”, (the “Sweepstakes”) and will
award prizes via a random selection of valid entrants. The Sweepstakes begins
at 12:01 AM, October 1, 2006 US Pacific Time (PT) and ends December 1, 2006 at
11:59 PM, US Pacific Time (PT), (“Sweepstakes Period”).
2) Eligibility: Sweepstakes open to legal U.S. residents of the (50) United States and the District of Columbia, 18 years of age or older, who are current AES customers
holding a FFELP loan guaranteed by AES. You are NOT eligible if your loan is in
default.
Employees, officers and
representatives (and members of their immediate families and those living in
the same household of each) of American Education Services (“AES”),
Pennsylvania Higher Education Assistance Agency, (“PHEAA”), their affiliated
organizations and companies, advertising and promotion agencies and any company
involved in the design, execution or production of the promotion (collectively,
“Sponsor Affiliates”) are not eligible. Promotion is void where prohibited or
restricted by law.
3) How to Enter: No
Purchase Necessary. Visit www.youcandealwithit.com and
complete the registration form by providing your first name, last name, phone
number including area code and email address. You will also be asked to respond
to six (6) loan-related questions as a condition of valid entry.
Referral entries: After you
have entered, you will be given the opportunity to refer the Sweepstakes to up
to ten (10) friends/associates by providing their email addresses. For every
friend/associate you refer who in turn enters the Sweepstakes, you will receive
one additional entry.
There is a limit of one (1) entry per person per email
address per day, with the opportunity to refer up to ten (10)
friends/associates each time you enter. Limit, one prize per person.
4) Prizes: One (1) Grand Prize winner will be selected to
receive a loan payment for his/her FFELP
loan guaranteed by AES, in an amount equal to the outstanding balance on the
loan, up to and not to exceed $10,000. If the outstanding loan
balance at the time of prize award is greater than $10,000, the verified winner
will be solely responsible for the repayment of the remaining balance per the
terms and conditions of the original loan. If the outstanding balance is less
than $10,000, there is no cash or prize option for the difference between the
prize loan payment/payoff amount and $10,000.
One (1) First Place Prize winner will be selected to receive a loan payment for his/her FFELP loan guaranteed by AES, in an amount equal to
the outstanding balance on the loan, up to and not to exceed $5,000. If the outstanding loan balance at the time of prize award is greater than
$5,000, the verified winner will be solely responsible for the repayment of the
remaining balance per the terms and conditions of the original loan. If the
outstanding balance is less than $5,000, there is no cash or prize option for
the difference between the prize loan payment/payoff amount and $5,000.
Two (2) Second Place Prize winner will be selected to receive a loan payment for his/her FFELP loan guaranteed by AES, in an amount equal to
the outstanding balance on the loan, up to and not to exceed $2,500. If
the outstanding loan balance at the time of prize award is greater than $2,500,
the verified winner will be solely responsible for the repayment of the
remaining balance per the terms and conditions of the original loan. If the
outstanding balance is less than $2,500, there is no cash or prize option for
the difference between the prize loan payment/payoff amount and $2,500.
There are a total of four (4)
prizes available with a total value of all prizes up to $20,000. The actual
value of all prizes awarded however will be based on the actual outstanding
balances on the applicable FFELP loans of the winners. The odds of winning any
prize depend on the total number of valid entries received.
5) General: Winners will be selected in a random drawing from
all valid entries on or about December 15, 2006. Winners will be notified via
email, phone or mail within three (3) days of drawing and will be required to
complete, sign and return an Affidavit of Eligibility & Liability/Publicity
Release (where legal). The affidavit must be returned within ten (10) days of
potential winner’s receipt of the materials. Failure to respond to the
notification within ten (10) days of first notification will result in
disqualification and selection of an alternate winner. If any prize or prize
notification is returned as undeliverable, prize will be forfeited and an
alternate winner selected.
ANY AND ALL TAX LIABILITY
RESULTING FROM THE WINNER’S RECEIPT OF THE PRIZE IS THE RESPONSIBILITY OF THE
WINNER. The prize is not redeemable for cash and there are no prize transfers
or prize substitutions except at the sole discretion of the Sponsor.
In the event of a dispute
regarding the identity of the person submitting an electronic entry, the entry
will be deemed to be submitted by the "authorized account holder"
person in whose name the email account is registered, provided that person
meets all eligibility criteria set forth in the Eligibility section of these
official rules. "Authorized Holder" shall mean the natural person
assigned to an email address by an Internet access provider, on-line service
provider or other organization that is responsible for assigning email
addresses for the domain associated with the submitted email address.
By entering, participants (a)
agree to comply with and be bound by the official rules and the decision of the
Sponsor which is final and binding in all respects; (b) agree to release
Sponsor and its employees and agents from any and all liability, loss, damage
or injury resulting from participation in this Sweepstakes or from the
awarding, receipt, possession use and/or misuse of any prize; (c) acknowledge
that the Sponsor, and its employees and agents have neither made nor are in any
manner responsible or liable for any warranty, representation, or guarantee,
express or implied, in fact or in law, relative to any prize including, but not
limited to, its quality, mechanical condition or fitness for a particular
purpose; (d) consent to use of his/her name, photograph and/or likeness,
statements and voice for advertising and promotional purposes in all media
worldwide and in perpetuity without additional compensation, unless prohibited
by law; and e) understand that their sweepstakes registration information is
being left at a 3rd party website provider to AES and that the 3rd party website is governed by the AES privacy policy in Section 6 of these
Official Rules.
Sponsor is not responsible
for any lost, late, delayed, misdirected, garbled, illegible, incorrect or
inaccurate information or entries that are misdirected or misrouted as a result
of interrupted or unavailable network, phone or internet connections or
transmissions for any reason, or for any computer, phone, phone line hardware
or software malfunction, failure or error of any kind, whether mechanical, human
or electronic. Any entries received by using robotic, automatic, programmed or
similar techniques are not eligible. Any attempt by an
entrant to interfere with the operations of the Sweepstakes is a violation of
criminal and civil laws; Sponsor reserves the right to seek damages from any
such entrant to the fullest extent permitted by law. If, for any reason, the Sweepstakes is not capable of running as planned,
including, without limitation, infection by computer virus, bugs, tampering,
unauthorized intervention, fraud, technical failures, or any other causes
beyond the control of Sponsor which corrupt or affect the administration,
security, fairness, integrity or proper conduct of this Sweepstakes, Sponsor
reserves the right at its sole discretion to cancel, terminate, modify or
suspend the Sweepstakes and select a winner in a random drawing from among all
eligible entries received prior to the cancellation. All entries are the
property of the Sponsor.
6) INFORMATION ABOUT
PRIVACY AND THE USE OF INFORMATION: All
sweepstakes registration information is left at the 3rd party
website provider to AES and the sweepstakes registration site is governed by
the following AES privacy policy:
AES will not sell, trade, nor
disclose the personally identifying information of its Website users to any
unauthorized third parties. Because of the many different relationships
AES/PHEAA has with the users of its Websites1, it is possible that
disclosure of information provided by Website users might be required in the
delivery of AES’ services to users in the following circumstances:
- When users have authorized the disclosure
of information through certifications on loan applications and promissory
notes, the Free Application for Federal Student Aid (FAFSA), and documents held
by AES and its partners such as schools, lenders, servicers, United States
Department of Education, and guarantors of users’ financial aid.
- When AES needs to share user information
to provide services a user has requested.
- When AES needs to provide the information
to its business partners that perform services for users.
- When AES is required by law to disclose
user information by order of court, pursuant to state, local, federal, or
international statute, regulation or mandate, and in cooperation with law
enforcement agencies.
Additionally, AES may use information
provided by users for the following internal purposes: providing services to
users, complying with local, state, or federal financial aid statutes and
regulations, ensuring accurate contact and billing information for users, and
analyzing the efficiency of its Websites.
Under AES administration of
the Federal Family Education Loan Program (FFELP), AES requires the disclosure
of Social Security numbers by applicants for loans under FFELP. The primary use
of this information is to verify user identity, to determine user program
eligibility and benefits, to permit the servicing of user financial aid, to
certify user attendance and status at an approved higher educational
institution, and in the event necessary, to locate users. The disclosure of a
user’s Social Security number by a user is mandatory for the user to
participate in the FFELP. The United States Department of Education has for
several years required the disclosure of individuals’ Social Security numbers
on applications and other FFELP requisite documents pursuant to published
regulations. AES uses "cookies" to enhance its Website users'
experiences on the AES Website. A cookie is a small file that AES transfers to
users' computer hard drives. AES' use of cookies enables its Website users to
avoid the nuisance of being asked to provide the same information repeatedly
while users move from page to page of the site. Cookies also allow AES to
ensure that only the user's Web browser may exchange information regarding the
user's account with AES' servers. Most Web browsers are initially set to accept
cookies. Additionally, some Web browsers may be set to prompt users before it
accepts a cookie. Many of the services offered on the AES Website might not
function properly when users' set their Web browsers to reject cookies. Users
should be aware that other Websites to which a user links from the AES Website
may contain privacy policies, statements, promises, or provisions that differ
from the AES Website Privacy Policy and as such users are encouraged to review
the applicable privacy policy of any site other than the AES Website. Users are
encouraged to fully review the privacy statements of other Websites to
determine whether or not the user’s use of the site comports with the user’s
desire to maintain the privacy of his/her personally identifying information.
AES will not knowingly collect or retain information submitted to it by
children under the age of thirteen. If AES learns that it unknowingly collected
personally identifying information from children under 13 years of age, it will
immediately take all reasonable measures to delete the information from its
computer systems. AES will closely monitor and restrict its employees’ access
to user account and personal information to only instances of business
necessity.
Choice and Consent - AES provides users access on its Website to users’
individual account, eligibility for financial aid status, and much more
personal user level information. AES fully understands and wishes to fully
serve its Website users that do not desire to have personally identifying
account and status information available on the AES Website. Users may request
the deletion of their AES account information available to them on the AES
Website by sending an email to ecomm@aessuccess.org or calling 1-800-233-0557. Upon
receipt of an email from a user, AES will remove the user’s account information
from its Website but will continue to retain all of the information on its
computer systems as required by state and federal laws and regulations
governing financial aid. Unless
specifically notified by the user, AES will operate as though the user consents
to the user’s account information being available on its Websites. Please
review the sections on data security and AES’ privacy commitment for
explanations of the security utilized by AES in protecting personal account
information from unauthorized disclosure.
Data Quality
and Access - AES will
take all reasonable steps to assure that information about users is accurate,
complete, and timely for the purposes for which it is intended to be used. AES
will take every measure to establish appropriate processes or mechanisms so
that inaccuracies or errors in users’ information may be timely corrected by
the user. AES will try to make these processes and mechanisms as simple and
easy to use as possible while providing assurances that the erroneous and
inaccurate information has been timely corrected. The information contained on
the AES Website is subject to change without prior advance notice. When users
browse any of
When users browse the AES Website and
have not registered as a user for any of AES’ online services, the browsing is
anonymous. Anonymous browsing includes reading pages and downloading certain
information. Personal information such as name, address, phone number, and
email address are not collected from anonymous browsers.
Data Security - Securing users’
personal information is very important to AES. Therefore, AES has implemented
several security measures to protect users’ personally identifying information
from loss, misuse, or alteration.
When users send confidential personal
information to AES via the AES Website, AES requires that a secure session
first be established using Secure Socket Layer (SSL) technology. During a
secure SSL session, data passed back and forth between the user’s computer and
AES’ servers is secured through the use of public key cryptography. The user’s
computer exchanges key information with AES computers to create a private
conversation that only the user’s computer and AES systems may understand. To
benefit from SSL technology, users must use a browser with SSL capabilities.
Please note that while using the AES
Website, users will be notified when entering a secure session and when leaving
a secure session, unless the setting is turned off on the user's browser. After
leaving a secure session any information transmitted to AES is not secure.
For security purposes, AES
uses special software programs to monitor traffic on its Website and to
identify unauthorized attempts to upload or change information, or otherwise to
cause damage to the AES Website. These programs do not collect personally
identifying information about you but they do collect information that will
enable AES to identify someone attempting to tamper with its Website. AES has a
zero tolerance policy for the misuse, misappropriation, unauthorized access,
tampering, damage, destruction, or unlawful utilization of its Websites and
computer systems and will seek the maximum enforcement of state, federal, and
international criminal laws against any individual engaging in such activity.
Additionally, AES will seek the maximum amount of civil damages available under
the law in such instances of the unauthorized misuse of its Websites and
computer systems. Please note that when a user sends electronic mail messages
(e-mail) to AES, the user’s message will usually contain the user’s return
email address. Thus, AES may utilize a user’s e-mail address in responding to a
user’s inquiry and the content of the user’s e-mail in formulating a response.
AES will permanently record and store any substantive e-mail received from
users. E-mail is not a secure means of transmitting information.
Changes to AES' Privacy Policy -The AES Website
Privacy Policy may be modified when necessary to conform to federal, state,
local, and international laws and regulations, and at other times to conform
with technological changes, court decisions, and changes in agency policy.
Changes to the AES Website Privacy Policy will be notated here when made so
that you may be fully informed about the privacy protections afforded to you by
AES enabling you to make an informed decision concerning your use of the AES
Website. It is recommended that you check the AES Website Privacy Policy
available at http://www.aessuccess.org/about/pp.shtml.
Contact Information -Should you have
any questions, concerns or desire additional information concerning the AES
Website Privacy Policy please contact AES by one of the following means:
Email: nettech@aessuccess.org
Please note: Email is not a secure method of communication. Do not include any
sensitive or private information in your email correspondence.
Phone: 800-233-0557
Mail your inquiry to:
PHEAA
Electronic Commerce Division
1200 North Seventh Street
Harrisburg, PA 17102-1444
Attn: Privacy Officer
1PHEAA is a guarantor, servicer, lender, and secondary
market of student loans as well as the state agency responsible for
administering the Pennsylvania State Higher Educational Assistance Grant
Program and various other state and federal higher education financial aid
programs. As such, PHEAA has very different relationships with the users of its
Websites. It is important to note that PHEAA may be required, dependent upon
its relationship with Website users, to share information about the users with
authorized third parties.
7) Release: BY ENTERING THE PROMOTION, YOU RELEASE AND HOLD
THE SPONSOR AND THE EMPLOYEES, OFFICERS, DIRECTORS, SHAREHOLDERS, AGENTS, AND
REPRESENTATIVES OF SPONSOR AFFILIATES, HARMLESS FROM AND AGAINST ANY AND ALL
LOSSES, DAMAGES, CLAIMS, AND ACTIONS OF ANY KIND ARISING IN CONNECTION WITH THE
PROMOTION OR RESULTING FROM ACCEPTANCE, POSSESSION, USE OR MISUSE OF, OR
DEFECTS IN, A PRIZE, OR PARTICIPATION IN THE PROMOTION, INCLUDING WITHOUT
LIMITATION CLAIMS BASED ON PERSONAL INJURY, DEATH, PROPERTY LOSS OR DAMAGE,
PUBLICITY OR PRIVACY RIGHTS, AND/OR DEFAMATION.
8) Winners List: For a list of winners, send a self addressed stamped envelope postmarked no later than December 1, 2006
to: $20,000 Second Chance Scholarship Sweepstakes Winners List, PO Box 5688, Scottsdale, AZ 85261-5688.
Sponsor:
American Education Services, Harrisburg, PA 17102-1444.
Sweepstakes
Administrator: Extra Mile Marketing, Scottsdale, AZ 85258.