O Financial Grand Opening Drawing Rules
NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.
O Financial Grand Opening Drawing Promotional period: A total of two (2) Apple - AirPods Max (Approximate Retail Value: $499 each) will be awarded during the Promotional Period. The drawing will consist of two (2) separate entry periods, as outlined below:
- Entry Period 1:
March 1 – March 31, 2026
- Entry Period 2:
April 1 – April 30, 2026
Entries received after the Promotion Period will not be eligible for the drawing.
Recipient Eligibility: O Financial Grand Opening Drawing is open to legal residents of the continental USA who are 18 years of age or older.
By entering this drawing, entrants accept and agree to be bound by these Official Rules and the decisions of O Financial and Orlando Credit Union. Employees, board members, and immediate family members (spouse, parent, child, sibling, and their respective spouses) of O Financial and Orlando Credit Union, its affiliates, subsidiaries, or advertising and promotion agencies are not eligible to participate. Void where prohibited by law.
Recipient Rules governing O Financial Grand Opening Drawing selection and disbursement: One Apple - AirPods Max recipient will be drawn at the end of the promotional period. Apple - AirPods Maxs may not be transferred, redeemed for cash, or substituted by/with the Recipient with/by/from O Financial or Orlando Credit Union.
O Financial Grand Opening Drawing Rules to enter drawing:
Legal residents of the continental USA who are 18 years of age or older may enter the drawing by completing one (1) official entry ticket during each promotion period for the O Financial Grand Opening Drawing as no purchase or payment of any kind is necessary to enter.
O Financial Grand Opening Drawing Recipient selection:
Each drawing entrant has an opportunity to be selected as an Apple - AirPods Max recipient. To be selected as an Apple - AirPods Max recipient, a member must enter one (1) official entry ticket to win an Apple - AirPods Max. One (1) Apple - AirPods Max recipient is randomly selected from entries at the end of each promotional period. The odds of being selected for an Apple - AirPods Max from those entered the drawing are based on the number of entrants.
Liability/General Rules: O Financial and Orlando Credit are not responsible for any loss which may occur in connection with the drawing. The Entrant agrees to hold O Financial and Orlando Credit Union harmless from any liability arising from participation in the drawing or the acceptance, receipt, possession, or misuse of the Apple - AirPods Max. O Financial and Orlando Credit Union and each of its officers, directors, employees, members, and representatives and agents are not responsible for any negligence, claims, liability, injury, property loss, or other damages of entrants and/or recipients arising from, or in connection with, acceptance, receipt, possession, or use/misuse of Apple - AirPods Max’s awarded or participation in this drawing. O Financial and Orlando Credit Union are not responsible for any incorrect or inaccurate information, whether caused by tampering, hacking, or by any of the equipment or programming associated with the drawing. An Apple - AirPods Max may not be substituted, converted to cash, assigned, or transferred by recipients. O Financial and Orlando Credit Union reserve the right to substitute an Apple - AirPods Max of equal or greater value should the featured Apple - AirPods Max become unavailable for any reason. O Financial and Orlando Credit Union reserve the right to disqualify entrants who fail to follow these Official Rules and regulations or who make any misrepresentations relative to the drawing and redemption of an Apple - AirPods Max.
Apple - AirPods Max Recipient notification:
Recipients are notified by telephone or email by a representative from O Financial within 10 business days after the drawing period. Phone number and/or email contact information will be provided on the Official Entry Form completed at the time of entry. Recipients must pick up their Apple - AirPods Max from the O Financial location, located at 3855 N 2335 East HWY 50 Clermont, FL 34711 upon notification.
O Financial does not assume responsibility for incorrect/inaccurate drawing entry information/ maintenance of said information or of any and all maintenance of the Apple - AirPods Max product offered.
If the potential winner cannot be contacted, does not respond within 10 business days, or is deemed ineligible, an alternate winner may be selected at the discretion of O Financial.
LIST OF Apple - AirPods Max WINNER(S)/OFFICIAL RULES REQUESTS:
To receive the name of the winners or a copy of the Official Rules, send a stamped self-addressed envelope after the drawing period to: Orlando Credit Union, c/o Marketing Department, 945 South Orange Avenue, Orlando, FL 32806.
Monetary Tax:
For non-cash prizes or awards the value must equal or exceed $600 to file a 1099-MSC. The value of each Apple - AirPods Max awarded during this promotion does not meet the minimum required amount to file 1099-MSC therefore O Financial is not responsible for reporting to the IRS. Drawing recipients are responsible for reporting any monetary and/or non-monetary prize earnings under federal and state regulations.
Publicity Authorization:
The Apple - AirPods Max recipient agrees to permit O Financial to utilize his/her name and likeness in promotional and other Credit Union materials, without additional compensation or permission, except where prohibited by law.
Choice of Law:
All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrant and O Financial in connection with the Drawing, shall be governed by, and construed in accordance with, the substantive laws of the State of Florida, USA, without regard to choice of law rules.
Apple Inc.
Apple Inc. and its dealers and vendors do not in any way sponsor, endorse, approve, or assume any responsibility for this drawing. Apple - AirPods Max® is a registered trademark of Apple Inc.
ARBITRATION: NOTICE OF BINDING ARBITRATION AGREEMENT: You and we agree to attempt to informally settle any disputes arising out of or connected with this drawing or any prizes awarded. If that cannot be done, you and we agree that any dispute arising out of or connected with this drawing will be resolved by BINDING ARBITRATION administered by the American Arbitration Association (“AAA”) in accordance with its Commercial Dispute Resolution Procedures and Supplementary Procedures for Consumer Related Disputes. You thus GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under these Official Rules (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION, SO LONG AS THE CLAIM REMAINS IN SMALL CLAIMS COURT). Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury. You are entitled to a FAIR HEARING, BUT the arbitration procedures are SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. Arbitrator decisions are as enforceable as any court order and are subject to VERY LIMITED REVIEW BY A COURT. The place of arbitration shall be in the County in which you reside. Any claims and defenses that can be asserted in court can be asserted through arbitration. The arbitrator shall be entitled to award the same remedies that a court can award, including PUBLIC INJUNCTIVE RELIEF to the extent available under the CALIFORNIA UNFAIR COMPETITION LAW AND CONSUMER LEGAL REMEDIES ACT. Discovery shall be available for non-privileged information to the fullest extent permitted under the Rules. The arbitrator’s award can be entered as a judgment in court. Any ARBITRATION under these Official Rules WILL BE ON AN INDIVIDUAL BASIS. You understand and agree that YOU ARE WAIVING THE RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN A CLASS ACTION. If YOU PREVAIL on the merits of your claim in arbitration, ORLANDO CREDIT UNION WILL PAY YOUR ATTORNEYS’ FEES. You will NOT be required to pay ORLANDO CREDIT UNION’S ATTORNEYS’ FEES IF ORLANDO CREDIT UNION PREVAILS. This NOTICE OF BINDING ARBITRATION AGREEMENT shall be interpreted and enforced in accordance with the Federal Arbitration Act set forth in Title 9 of the U.S. Code to the fullest extent possible, notwithstanding any state law to the contrary, regardless of the origin or nature of the claims at issue. FOR MORE DETAILS, check the American Arbitration Association’s website, www.adr.org, OR call the American Arbitration Association’s Customer Service telephone number at (800) 778-7879.
