2025 Financial Skills Challenge Parent Hour Contest Rules and Legal Disclaimer

CONTEST RULES AND LEGAL DISCLAIMER

Bank of America and Stock-Trak are partnering together to bring financial education to the parents/guardians of students who are participating or have participated in the Financial Skills Challenge. Parents/guardians who join and complete the event will be eligible to be entered into the raffle.

The winners will be drawn by Stock-Trak and announced within 10 business days after the event.

Stock-Trak and staff reserve sole and final judgment as to all matters concerning contests and interpretation of contest rules.

By entering the contest, you agree to abide by the following terms.

Disclaimer – Financial Skills Challenge Parent Hour

Bank of America and Stock-Trak are partnering together to bring financial education to the parents of students who are participating or have participated in the Financial Skills Challenge.

Eligibility

This contest is open to teachers who (1) work in a participating school that’s registered for the Challenge and (2) refers parents to the Financial Skills Challenge Parents Hour event.
Stock-Trak employees, affiliates, licensees, franchisees, subsidiaries, advertising and promotion agencies and the immediate family members are not eligible to participate.
Void where prohibited by law.

How To Enter

The teacher must be a registered user of the Financial Skills Challenge.
The Teacher is entered into the raffle based on the registration of the parent they invited, identified by their email address.
To be eligible for the prize, teachers must have the top 5 number of referrals to parents
Only one (1) raffle entry per parent.

Contest Deadlines

Referred parents must be registered to the Parents Hour events 24 hours before the event.

Referred parents must attend a full session.
Stock-Trak reserves the right to modify the dates and/or terms of contests at any time without prior notice.

Winner Selection and Notification

The contest is open to all registered teachers in the Financial Skills Challenge.
Winning teacher is determined by the highest number of referred parents who attend and complete the session.
Stock-Trak will conduct an audit in which it will review the referrals and confirmed attendance to identify the top five teachers with the most referred parents who complete the session. The audit will be within 10 business days of the event. The winning teachers will be announced one day after the audit.

Each winning teacher will receive the aligned gift card from Stock-Trak (granted by Bank of America to the institution).
Stock-Trak will notify Bank of America, and contact the student winner via email, one day after Stock-Trak completes the audit.
Student will receive gift card directly from Stock-Trak.
The odds of winning vary from contest to contest depending on the number of entrants and the quality of entries.

Winner Disqualification

If a teacher winner cannot be reached within 14 days from the time of notification, the winner forfeits their rights to the winning prize.
Stock-Trak assumes no responsibility to ensure winner response.

Prizes

Gift cards may not be substituted or transferred by any contest winner.
Gift cards are offered “as is” with no written, express, or implied warranty.

General Conditions

All decisions of Stock-Trak are final. By entering, participants warrant and represent that they agree to be bound by these contest rules and the final decisions of Stock-Trak.
All taxes on any prize won are the sole responsibility of each winner, including, without limitation, any federal, state, or local taxes, which may be deemed applicable in such winner’s jurisdiction of residence. Winner(s) shall be solely responsible for the reporting and payment of all taxes incurred by acceptance and use of the prize(s) (or any portion thereof), if applicable.
Stock-Trak reserves the right to cancel contests at any time for any reason.
In the event a contest is canceled prematurely for any reason, Stock-Trak will use reasonable efforts to conduct the audit and declare a winner(s), but in the event a winner cannot be declared, the prize(s) will not be awarded.
Contests are subject to all federal, state, and local laws and regulations and shall be governed by the state in which they reside. By participating, entrants agree that their state courts shall have exclusive jurisdiction over any dispute or litigation arising from or relating to the contest or sweepstakes.
Stock-Trak is not responsible for late, misdirected, or incomplete entries.
Anyone using fraudulent means to participate and/or win the contest will be disqualified. ANY ATTEMPT BY AN ENTRANT TO UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS. STOCK-TRAK RESERVES ALL RIGHTS, INCLUDING THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEYS’ FEES) FROM ANY ENTRANT ATTEMPTING TO DO SO TO THE FULLEST EXTENT OF THE LAW, INCLUDING REPORTING SUCH ACTIVITIES TO THE APPROPRIATE AUTHORITIES WHICH MAY RESULT IN OR LEAD TO CRIMINAL PROSECUTION.

Contestant Releases

Upon entering the contest, contestants hereby grant Stock-Trak and Bank of America, and any of its agents, subsidiaries or affiliates, and their respective licensees, successors and assigns, the right to use their name, likeness, photograph, voice, video, and biographical information (collectively the “Publicity Rights”) in perpetuity, for all lawful purposes in connection with the contest, including, but not limited to, the storage, use, reuse, publicity, illustration, advertising and web content, publications, digital recordings, print ads, or any other visual or audio/visual matter of any kind, in all media (digital and in person), internally or externally, including third-party social media platforms without further compensation.
Furthermore, entry in the contest constitutes permission to archive a contestant’s status as winner indefinitely on any webpage on Stock-Trak’s or Bank of America’s website.
Acceptance of prize constitutes permission to use winners’ Publicity Rights and winning entry for promotional purposes.
Contestants agree that the sole and final judgment as to all matters concerning contests and interpretation of contest rules are at the sole discretion of Stock-Trak, and its staff.

Releases/Hold Harmless

Stock-Trak and Bank of America, and their members, staff, affiliates and successors and assigns, are not liable or responsible for:

any claims, damages, losses, injuries, or death including any third-party claims, arising from, or relating to, in whole or in part, any contest, including entry and participation in any contest and acceptance, possession, use or misuse of the prizes.
entries that do not follow guidelines.
entries and responses to winner notifications that are illegible, incomplete, late, lost, misdelivered, or undeliverable.
any technical or human errors, malfunctions, failures, etc. resulting in participation of contests.

Prize Releases

Stock-Trak and Bank of America, and their members, staff, affiliates and successors and assigns, are not liable or responsible for:

prizes that are lost in the mail, arrive damaged, are defective, or have other unforeseen problems.
substituting another prize in lieu of the original prize.

Privacy

Information submitted with an entry is subject to the Privacy Policy stated on the Stock-Trak Web Site. We will not sell your address or personal information. Stock-Trak will provide contest winners’ contact information to Bank of America to facilitate the awarding of prizes. Bank of America manages personal information in accordance with their privacy policies which can be found at www.bankofamerica.com/privacy.