Official Rules

1. Winner must comply with all of the rules of the Contest, including, but not limited to, any restrictions on age and/or residency, and have not committed any fraud or deception in entering the Contest or claiming the Prize.

2. The winner must affirm and represent that he/she is not a member of the same household of any such employee or agent.

3. In consideration of the receipt of the Prize, the winner agrees to be solely responsible for any and all taxes and/or other fees, including, but not limited to, any federal state or local income taxes, that are or may become payable as a result of participating in the Contest and/or receipt of the Prize.

4. The winner agrees to allow Sgroi Financial the right to use winner’s name and/or likeness for an unlimited period of time in order to advertise the promotion.

5. The winner expressly releases Sgroi Financial, and any sponsors of the contest, and their respective officers, directors, agents, parent companies, subsidiaries and employees, from any and all claims, demands and/or causes of action of any nature or kind whatsoever, whether presently known or unknown, foreseen or unforeseen, that he/she may have, or may subsequently acquire, as a result of participating in the contest and/or receipt of the prize.

6. No purchase or payment of any kind is necessary to participate in or win contest. Contests are void where prohibited by law.

7. Sgroi Financial is not responsible for telephone system or internet failure, or other inability of entrants to enter due to technical malfunction. Sgroi Financial is not responsible for lost, late or misdirected mail or for printing errors. No mechanically reproduced or completed entries will be accepted.

8. Winners from the previous year’s promotion is not eligible to win.

9. All federal, state and local taxes apply and are the sole responsibility of the winner.

10. Winner must be able to pick up winning prize within 60 days of being contacted by Sgroi Financial.