The Ultimate Debt Payoff Official Rules

Official Rules



  1. Eligibility: This Campaign, The Ultimate Debt Payoff, is open only to those who have a current signature loan with Focus FCU or applies for a signature loan and is approved before June 30th, 2024, and who are 18 years of age or older as of the date of entry. The Campaign is only open to legal residents of Oklahoma, and is void where prohibited by law. Employees of Focus Federal Credit Union., its affiliates, subsidiaries, advertising and promotion agencies, and suppliers, (collectively the “Employees”), and immediate family members and/or those living in the same household of Employees are not eligible to participate in the Campaign. The Campaign is subject to all applicable federal, state, and local laws and regulations. Void where prohibited.
  2. Agreement to Rules: By participating, the Contestant (“You”) agree to be fully unconditionally bound by these Rules, and You represent and warrant that You meet the eligibility requirements. In addition, You agree to accept the decisions of Focus Federal Credit Union as final and binding as it relates to the content of this Campaign.
  3. Campaign Period: Campaign will start on Wednesday, May 1st, 2024, and end on June 30th, 2024. How to Enter: The Campaign must be entered by having a current signature loan at Focus Federal Credit Union, or upon approval of a new signature loan at Focus Federal Credit Union before the deadline of June 30th, 2024. Credit Cards, Courtesy Pay loans, and Credit Builder loans do not qualify for the Ultimate Debt Payoff. The entry must fulfill all Campaign requirements, as specified, to be eligible to win a prize. Entries that are incomplete or do not adhere to the rules or specifications may be disqualified at the sole discretion of Focus Federal Credit Union. There will be only one entry per winner. If you use fraudulent methods or otherwise attempt to circumvent the rules, your submission may be removed from eligibility at the sole discretion of Focus Federal Credit Union. Winner must be a member of Focus Federal Credit Union.
  4. Prizes: The Winner(s) of the Campaign (the “Winner”) will receive up to $5,000 (five thousand) that will be paid towards their Focus Federal Credit Union loan by Focus Federal Credit Union. Any loan amounts under $5,000 will be paid off and the remaining funds will be applied to another winner. If the winner has a loan balance over $5,000, only $5,000 will be applied to the loan. The remainder of the loan will be the sole responsibility of the winner to pay according to the loan terms. The prize money is nontransferable. Any and all prize-related expenses, including without limitation any and all federal, state, and/or local taxes, shall be the sole responsibility of the Winner. No substitution of prize or transfer/assignment of prize to others or request for the cash equivalent by Winner is permitted. Acceptance of the prize constitutes permission for Focus Federal Credit Union. to use the Winner’s name, likeness, and entry for purposes of advertising and trade without further compensation, unless prohibited by law.
  5. Odds: The odds of winning depend on the number of eligible entries received.
  6. Winner Selection and Notification: The winner will be selected by a random drawing under the supervision of Focus Federal Credit Union. The winner will be notified by phone within five (5) days following the selection of the Winner. Focus Federal Credit Union. shall have no liability for Winner’s failure to receive phone calls or voicemails due to spam, incorrect phone number on file, or other security settings or for Winner’s provision of incorrect or otherwise non-functioning contact information. If the Winner cannot be contacted, is ineligible, fails to claim the prize within 10 days from the time award notification was sent, or fails to timely return a completed and executed declaration and release as required, the prize may be forfeited and an alternate Winner selected. Receipt by the Winner of the prize offered in this Campaign is conditioned upon compliance with any and all federal, state, and local laws and regulations. ANY VIOLATION OF THESE OFFICIAL RULES BY WINNER (AT FOCUS FEDERAL CREDIT UNION‘S SOLE DISCRETION) WILL RESULT IN WINNER’S DISQUALIFICATION AS WINNER OF THE CAMPAIGN, AND ALL PRIVILEGES AS WINNER WILL BE IMMEDIATELY TERMINATED.
  7. Rights Granted by You: By entering this content (e.g., photo, video, text, etc.), You understand and agree that Focus Federal Credit Union, anyone acting on behalf of Focus Federal Credit Union, and Focus Federal Credit Union’s licensees, successors, and assigns, shall have the right, where permitted by law, to print, publish, broadcast, distribute, and use in any media now known or hereafter developed, in perpetuity and throughout the World, without limitation, your entry, name, portrait, picture, voice, likeness, image, statements about the Campaign, and biographical information for news, publicity, information, trade, advertising, public relations, and promotional purposes. without any further compensation, notice, review, or consent. By entering this content, You represent and warrant that your entry is an original work of authorship, and does not violate any third party’s proprietary or intellectual property rights. If your entry infringes upon the intellectual property right of another, You will be disqualified at the sole discretion of Focus Federal Credit Union. If the content of your entry is claimed to constitute infringement of any proprietary or intellectual proprietary rights of any third party, You shall, at your sole expense, defend or settle against such claims. You shall indemnify, defend, and hold harmless Focus Federal Credit Union from and against any suit, proceeding, claims, liability, loss, damage, costs or expense, which Focus Federal Credit Union may incur, suffer, or be required to pay arising out of such infringement or suspected infringement of any third party’s right.
  8. Terms & Conditions: Focus Federal Credit Union reserves the right, in its sole discretion, to cancel, terminate, modify or suspend the Campaign should virus, bug, non-authorized human intervention, fraud, or other cause beyond Focus Federal Credit Union’s control corrupt or affect the administration, security, fairness, or proper conduct of the Campaign. In such case, Focus Federal Credit Union may select the Winner from all eligible entries received prior to and/or after (if appropriate) the action taken by Focus Federal Credit Union. Focus Federal Credit Union reserves the right, in its sole discretion, to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the Campaign or website or violates these Terms & Conditions. Focus Federal Credit Union has the right, in its sole discretion, to maintain the integrity of the Campaign, to void votes for any reason, including, but not limited to: multiple entries from the same user from different IP addresses; multiple entries from the same computer in excess of that allowed by Campaign rules; or the use of bots, macros, scripts, or other technical means for entering. Any attempt by an entrant to deliberately damage any website or undermine the legitimate operation of the Campaign may be a violation of criminal and civil laws. Should such attempt be made, Focus Federal Credit Union reserves the right to seek damages to the fullest extent permitted by law.
  9. Limitation of Liability: By entering, You agree to release and hold harmless Focus Federal Credit Union and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers, and directors from any liability, illness, injury, death, loss, litigation, claim, or damage that may occur, directly or indirectly, whether caused by negligence or not, from: (i) such entrant’s participation in the Campaign and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof; (ii) technical failures of any kind, including but not limited to the malfunction of any computer, cable, network, hardware, or software, or other mechanical equipment; (iii) the unavailability or inaccessibility of any transmissions, telephone, or Internet service; (iv) unauthorized human intervention in any part of the entry process or the Promotion; (v) any inaccurate information, whether caused by entrants, printing errors or by any of the equipment or programming associated with or utilized; (vi) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from entrant’s participation including any injury or damage to entrant or any other persona’s computer or other device related to or resulting from participation or downloading any materials; (vii) electronic or human error in the administration of the Promotion or the processing of entries. Focus Federal Credit Union’s failure to enforce any term shall not constitute a waiver of the provision.
  10. Disputes: THIS Campaign IS GOVERNED BY THE LAWS OF THE UNITED STATES OF AMERICA AND OKLAHOMA, WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. As a condition of participating in this Campaign, participant agrees that any and all disputes that cannot be resolved between the parties, and causes of action arising out of or connected with this Campaign, shall be resolved individually, without resort to any form of class action, exclusively before a court located in Oklahoma having jurisdiction. Further, in any such dispute, under no circumstances shall participant be permitted to obtain awards for, and hereby waives all rights to, punitive, incidental, or consequential damages, including reasonable attorney’s fees, other than participant’s actual out-of-pocket expenses (i.e. costs associated with entering this Campaign). Participant further waives all rights to have damages multiplied or increased.
  11. Privacy Policy: Information submitted with an entry is subject to the Focus Federal Credit Union’s privacy standards.
  12. Winners List: To obtain a copy of the Winner’s name or a copy of these Official Rules, mail your request along with a stamped, self-addressed envelope to: Focus Federal Credit Union. 420 NE 10th St., Oklahoma City, OK 73104. Requests must be received no later than June 30th, 2024, at 11:59pm CST
  13. Sponsor: The Sponsor of the Campaign is Focus Federal Credit Union. 420 NE 10th St., Oklahoma City, OK 73104
  14. The Campaign hosted by Focus Federal Credit Union. is in no way sponsored, endorsed, administered by, or associated with Facebook.
  15. You may opt to withdraw your entry at any time by contacting us if you do not automatically want to be entered into the campaign at [email protected]