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Refer a Friend Giveaway Rules

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CESI’s “Refer-A-Friend” Giveaway



DATES OF SWEEPSTAKES/ENTRY PERIODS: The “Refer-A-Friend” Giveaway (the “Sweepstakes”) begins at 12:00 a.m. Eastern Time (“ET”) on April 1, 2020 and ends at 11:59 p.m. ET on September 30, 2020 (the “Sweepstakes Period”). The Sweepstakes Period is subject to six (6) monthly entry periods (each, an “Entry Period” or “Month”).  For each Entry Period, one (1) prize winner (each, a “Prize Winner”) will be selected at random as outlined in the “WINNING/NOTIFICATION” section herein (each, a “Monthly Drawing”). The six (6) Entry Periods and Monthly Drawing dates are:

ELIGIBILITY: The Sweepstakes is open only to permanent legal resident of the fifty (50) United States or the District of Columbia who are at least eighteen (18) years of age or older or the age of majority in their state of primary residence at the time of entry (each, an “Entrant”).  Officers, directors, managers and employees of the Consumer Education Services, Inc. (the “Sponsor”), and each of their respective parent companies, subsidiaries, affiliates, and related companies, dealers, Distributors, advertising and Sweepstakes agencies, consultants and agents, as well the immediate family (spouse, parents, siblings and children) and household members of each such person, and any others engaged in the development, production, execution or distribution of this Sweepstakes, including National Sweepstakes Company, LLC (the “Independent Administrator”) are not eligible to participate.  Sweepstakes is subject to all federal, state and local laws and regulations.  Sweepstakes is void outside the fifty (50) United States, the District of Columbia and wherever else restricted or prohibited by law.  Entrants who have previously won a contest, sweepstakes or promotion of any kind sponsored or otherwise associated with Sponsor, within thirty (30) calendar days immediately preceding the start of this Sweepstakes are ineligible to participate or win a Prize (further defined below).

HOW TO ENTER: There are two (2) ways to enter this Sweepstakes, either via friend referral (“Refer a Friend”) or via the alternate method of entry (“AMOE”). Regardless of the method(s) used to enter this Sweepstakes, there is a limit of fifteen (15) entries per person per Entry Period. Non-winning eligible entries from previous Entry Periods will not be considered eligible for subsequent Monthly Drawings.  In order to be eligible for any (or all) of the Monthly Drawings, Entrants must enter each Entry Period separately.

  1. Refer a Friend:   To enter via Refer a Friend, Entrant must be a “CESI Client”, defined as a person who is either a current or past Consumer Education Services, Inc. (“CESI”) client with a unique Client identification number (“Client ID”). To enter via this entry method, use either of the following referral methods during the Sweepstakes Period:
    1. By Phone: Ask your friend to call 877-217-9881 (the CESI referral hotline number) and tell them to mention your Client ID, first name and last time when they make the call.

Online: Ask your friend to visit (the “Website”) and tell them to submit your Client ID, first name and last name in the fields provided.

Entrants who Refer a Friend will receive one (1) entry into the Monthly drawing associated with the Entry Period for which the friend was referred, provided the referred friend completes a FREE financial assessment and receives their budget and action plan before the last day of the Entry Period for which the referral was made. Example:  Entrant refers friend on April 15, 2020. Referred friend must follow the instructions, complete the FREE financial assessment and receive their budget / action plan before April 30, 2020 for the Entrant to receive the associated entry for the Monthly Drawing held on May 8, 2020.  The referred friend does not receive entry into the Sweepstakes unless he/she enters in accordance with these Official Rules. IMPORTANT NOTE: In the event an Entrant refers a friend and such friend does not complete the FREE financial assessment and receive their budget / action plan before the last day of the Entry Period for which the referral was made, Entrant WILL NOT receive entry into the Entry Period.  In such case, Entrant may opt to receive the entry via the AMOE as outlined below, time permitting. Sponsor will not provide status of referrals made. Electing to enter via the AMOE is at the sole discretion of the Entrant.

  • AMOE: Entrants who wish to enter without referring a friend (or without having a Client ID) may do so as follows: On a plain 3” x 5” card, legibly handprint or type your first name, last name, Client ID (if you have one), address, city, state, zip code, telephone number (including area code), date of birth and email address to: “CESI Refer-A-Friend Giveaway”, PO Box 427, Newark, NY 14513. Mail entries must be postmarked and received by the dates listed in the chart below to be considered eligible. Each envelope is considered one (1) entry into the Monthly Drawing associated with the Entry Period, post mark and receive by dates listed below.

Multiple entries submitted by a single Entrant or in the same envelope are void.  Entries submitted or completed by anyone other than the Entrant are void.  No mechanical reproductions will be accepted. Sponsor will not verify receipt of entries for Entrants.  All entries submitted become the sole property of Sponsor and will not be returned.  Sponsor is not responsible for lost, late, misdirected, illegible, or damaged mailed entries.

Regardless of the method(s) used to enter, either via Refer a Friend, via the AMOE, or via a combination of the two (2) entry methods, there is a total limit of fifteen (15) entries per Entrant per Entry Period. Non-winning eligible entries from previous Entry Periods will not be considered eligible for subsequent Monthly Drawings.  In order to be eligible for any (or all) of the Monthly Drawings, Entrants must enter each Entry Period separately.Any attempt by an Entrant to obtain more than the stated number of entries by using multiple/different identities, and/or any other methods will void that Entrant’s entry and that Entrant may be disqualified from the Sweepstakes.  In the event of a dispute regarding the identity of the person submitting an entry, the entry will be deemed submitted by the owner of the associated Client ID or email address submitted at time of entry (“Authorized Account Holder”). Entrants may be required to provide proof of being the Authorized Account Holder. No mechanically or programmatically reproduced entries are permitted. Sponsor will not verify receipt of entries for Entrants. Sponsor is not responsible for lost, late, illegible, incomplete, delayed, misdirected entries. By entering, each Entrant; (a) represents that he/she is at least eighteen (18) years of age and otherwise eligible to participate in the Sweepstakes; and (b) fully and unconditionally agrees to and accept these Official Rules and the decisions of Sponsor, which are final and legally binding in all respects.  Any person who tampers with the entry process in any way will be disqualified.

WINNING/NOTIFICATION: There will be six (6) Monthly Drawings held for this Sweepstakes on or about: May 8, 2020  (Entry Period 1), June 9, 2020 (Entry Period 2), July 8, 2020 (Entry Period 3), August 10, 2020 (Entry Period 4), September 9, 2020 (Entry Period 5), and October 8, 20202 (Entry Period 6).For each Monthly Drawing, one (1) Prize Winner will be selected and he/she will win a prize (the “Prize”) as further described below. Non-winning eligible entries from previous Entry Periods will not be eligible for subsequent Monthly Drawings. To be eligible for any or all of the Monthly Drawings, Entrants must enter each Entry Period separately. Odds of winning a Prize in any of the Monthly Drawings is dependent on the total number of eligible entries received for the respective Entry Period. Limit of one (1)Prize per person / household. Each of the random Monthly Drawings will be conducted by the Independent Administrator whose decisions are based upon their sole discretion and interpretation of these Official Rules and are final and binding in all respects.  The Sponsor will notify each potential Prize Winner by email immediately following the Monthly Drawing and upon receipt of this / her Prize (defined below), which will be shipped via regular, registered or certified mail within four (4) to six (6) weeks from the date in which the Prize Winner is determined.

PRIZES:  Each Prize Winner will receive a prize (“Prize”) of one (1) month’s payment to Prize Winner’s Debt Management Plan up to $500. Prize Winners who do not have a Client ID, will receive $500 cash in the form of a check. The approximate retail value (“ARV”) of each Prize is $500.  Prize will not exceed $500 per Prize Winner. In the event  Prize Winner’s Debt Management Plan payment is less than $500, no difference will be awarded.  A total of six (6) Prizes will be awarded in this Sweepstakes equivalent to one (1) per Entry Period. No substitution or cash redemption of Prizes is permitted except at Sponsor’s discretion. Prizes are not transferable and may not be resold.  Sponsor reserves the right to substitute a prize of equal or greater value.  No more than the Prizes set forth in these Official Rules will be awarded.  The difference in value of the Prizes as stated herein and value at time of Notification, if any, will not be awarded. Prize Winners are required to comply with any and all applicable federal, state and local laws, rules and regulations. Any taxes imposed on the income of a Prize Winner as a result of winning a Prize and all other expenses not specifically mentioned herein as part of the Prize are solely the responsibility of the Prize Winner. No transfer or substitution of Prizes is allowed except at the sole discretion of the Sponsor. Sponsor is not responsible for and will not replace any lost, stolen or misplaced Prize. Any depictions of the Prizes in advertising are for illustrative purposes only and may not represent the actual Prize awarded. No more than the number of Prizes set forth in these Official Rules will be awarded.  All Prizes will be awarded.

Each Prize Winner consents (and agrees to sign any additional documents required by Sponsor, to formalize, effect or perfect such consent, except where prohibited by law) for Sponsor and those acting under their authority, to use his/her name, likeness (photograph and/or video), biographical information, and voice in advertising/publicity/trade without territorial or time limitations and without compensation, notice or approval; and, each Prize Winner disclaims any ownership rights of such advertising/publicity/trade material. Sponsor and Independent Administrator are not responsible for any change of email address, mailing address and/or telephone number of Entrants. 

GENERAL CONDITIONS:  Should any portion of the Sweepstakes be, in Sponsor’s  sole discretion, compromised by virus, worms, bugs, non-authorized human intervention or other causes which, in the sole discretion of the Sponsor, corrupts or impairs the administration, security, fairness or proper play, or submission of entries, Sponsor reserves the right, at its sole discretion, to cancel, terminate, modify or suspend the Sweepstakes and conduct the Sweepstakes in a manner which in its sole discretion is fair, appropriate and consistent with these Official Rules. Notice of such action by Sponsor will be posted at the Website.  In such event, Sponsor reserves the right to award the Prizes at random from among the non-suspect entries received up to the time of the impairment.  Sponsor reserves the right in their sole discretion to disqualify any individual it finds to be tampering with the entry process or the operation of the Sweepstakes or to be acting in violation of these Official Rules or in an unsportsmanlike or disruptive manner. Sponsor reserves the right to disqualify or reject any incomplete, inaccurate or false entry.  ANY ATTEMPT BY ANY PERSON TO DELIBERATELY UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES IS A VIOLATION OF CRIMINAL AND CIVIL LAW, AND, SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW. SPONSOR’S FAILURE TO ENFORCE ANY TERM OF THESE OFFICIAL RULES SHALL NOT CONSTITUTE A WAIVER OF THESE PROVISIONS.

RELEASE: By participating in this Sweepstakes, Entrants agree to release and hold harmless Sponsor and each of its respective officers, directors, managers, employees, parents, subsidiaries, affiliates, agents, members, shareholders, insurers, servants, divisions, Distributors, predecessors, successors, representatives, dealers, distributors, advertising, Sweepstakes, and fulfillment agencies, including the Independent Administrator, consultants and legal advisors (collectively, the “Released Parties”) from and against any claim or cause of action arising out of participation in the Sweepstakes  or receipt, redemption or use of a Prize, including any travel related thereto, if applicable.

LIMITATIONS OF LIABILITY:  The Released Parties are not responsible for (a); unauthorized human intervention in any part of the entry process or the Sweepstakes; (b) electronic or human error which may occur in the administration of the Sweepstakes or the processing of entries; (c)  any injury or damage to persons or property, which may be caused, directly or indirectly, in whole or in part, from Entrant’s participation in the Sweepstakes;  (d) any printing or typographical errors or other incorrect or inaccurate entry information in any Sweepstakes-related materials; (e) stolen, lost, late, misdirected, corrupted, incomplete, or indecipherable entries; or (f) technical failures of any kind, including but not limited to the malfunctioning of any computer, mobile device, cable, network, hardware or software.

ENTRANTS PERSONAL INFORMATION: Information collected from Entrants is subject to Sponsor’s privacy policies, located at If you are selected as a Prize Winner, your first name, last initial, Company, city, and state will also be included in a publicly-available winner’s list and/or email notices to subscribers.

WINNER’S LIST / OFFICIAL RULES REQUEST: For the name of the Prize Winners or a copy of these Official Rules, please submit a self-addressed, stamped envelope for receipt by October 31, 2020 to “CESI Refer-A-Friend Sweepstakes”  (please specify Winners List or Official Rules Request), PO Box 10505, Rochester, NY 14610. A copy of these Official Rules may also be obtained at the Website during the Sweepstakes Period.

SPONSOR:  Consumer Education Services, Inc.,  3700 Barrett Drive, Raleigh, NC 27609

This Sweepstakes shall not be published without the written permission of the Sponsor.


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