GunsBet — турнир «Win a bank!»

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Another campaign win — a bank that lets you block gambling

I’m not sure how it happened, but another year has passed. It’s mental health awareness week again, and my second Money and Mental Health birthday. I have mixed feelings about awareness weeks. Generally I think they’re helpful – just so long as awareness also leads to action from those with the power to make a difference; tackling the risk factors for poor mental health and improving access to treatment and support. That’s why I’m so delighted that this mental health awareness week we get to announce another real-world impact from our research: a bank introducing the option to block gambling on all their cards.

An unlikely hero

Last October I presented new Money and Mental Health research at the Gambling Commission annual conference . Problem gambling can cause spiralling debt, devastate our mental health and destroy relationships, and we wanted to explore what more could be done to help. For people struggling to limit their gambling, the most effective way to stop can be to self-exclude – so that when willpower isn’t enough, you still can’t fall back into the habit. However, it’s currently not possible to self-exclude from all forms of gambling; after excluding from one high street bookies people can log on and gamble online, or find a casino. It’s a system that just doesn’t work. Self-excluding from a single type of gambling can require contacting numerous operators over the phone or in person, all of which can be particularly hard when you’re also struggling with your mental health.

That’s why we decided to look for a solution outside the gambling industry. Who else could help? And we turned to a potentially unlikely hero, the banks. Banks and other card providers categorise everything you spend according to the type of thing you’re buying. So while they probably don’t know if you’re buying apples or oranges, they’ll know it’s groceries. On some company credit cards, and pocket money cards aimed at children, it’s already possible to turn off some types of spending using these categories – so why not for the rest of us?

Positive friction

Since October we’ve been talking to banks and credit card providers about allowing their customers to turn off gambling transactions on cards – essentially creating a new gambling self exclusion regime that really works. Today, as if as a perfectly timed Money and Mental Health birthday present for me, Monzo has announced that they will do just that. And not only will you be able to turn gambling off on your card in the app, but it will take a chat with the customer services team and a 48 hour breather before it can be turned back on. This ‘positive friction’ is an important way to give people the time and space to make considered decisions, minimising the harm that can be caused in a manic episode, or even just an impulsive moment.

Another tool in the toolkit

By my next Money and Mental Health birthday, I’d like to see settings like this become a common option right across the industry. It’s not about banks policing people’s behaviour (after all, it’s something you turn on yourself), but it’s another tool in the toolkit for anyone who might be struggling. And that can only be a good thing. It’s great to see so many financial service providers marking mental health awareness week this year; I’d encourage all of them to also consider if they also can make a commitment to do something practical like this that would really make a difference.

HELP ME WIN A BANK CONTEST!?

I Need to Answer The 6 Questions Can YOU HELP ME! PLEASE!

1. The higher your credit score, the better you chances to be approved for a loan.

2. A perfect credit score (850) allows you immediate access to unlimited credit.

3. You credit scores updates annually on January 1st.

4. Numerous credit report inquires can have a negative impact on your credit score.

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5. An indication of bad credit will remain on your credit report for up to 12 years.

6. Some online lenders can approve you instantly by accessing your credit score.

Thanks You So Much.

I really need this $50

When Answering Please List The Question Number

Roofing Around Contest OFFICIAL RULES NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCE OF WINNING

    Ella Lloyd 3 years ago Views:

1 Roofing Around Contest OFFICIAL RULES NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCE OF WINNING 1. PROMOTION DATES a. The Roofing Around Contest ( Promotion ) will begin on May 9 th, 2020 at 8:00 AM MST and end on May 12 th, 2020 at 12:00 PM MST b. The deadline for entries is May 11 th, 2020 at 11:55 PM MST 2. ELIGIBILITY RESTRICTIONS a. The Promotion is open to all legal residents of the United States and the District of Columbia (except NY and FL) who are 18 years of age or older at the time of entry and who live in Southern Colorado. Employees of KKTV, (the Station ), its parent, subsidiary, and affiliated entities, its advertising agencies, participating sponsors/promotional partners, other broadcasting stations in the Southern Colorado DMA, and the members of their immediate families (spouse, parents, siblings or children) or households (whether related or not) are ineligible to participate or win. This Promotion is subject to all applicable federal, state, and local laws and regulations. Void outside the United States, in NY and FL, as applicable, and where prohibited. b. Individuals may only win a Station-conducted contest/sweepstakes once every sixty (60) days. c. Participants must sign a participant release form and have a valid driver s license. d. Entrants are required to provide truthful information and the Station will reject and delete any entry that it discovers to be false or fraudulent. The Station will disqualify any entry from any individual who does not meet the eligibility requirements, and will also delete any entry as required by law. 3. ENTRY a. To participate in the Promotion, you may enter via the following method(s): VIA FACEBOOK Visit the Station Facebook page at Click on the Promotion entry form and enter the requested information, which may include your first name and last name, complete postal address (street, city, state, and zip code), address, telephone number, and date of birth. Facebook entries will be deemed made by the authorized account holder of the Facebook account used to submit the entry at the time of entry. 1

2 The authorized account holder is the natural person who is assigned to the Facebook account by Facebook. Multiple entrants are not permitted to share the same Facebook account. Entries submitted will not be acknowledged or returned. Use of any device to automate entry is prohibited. Proof of submission of an entry shall not be deemed proof of receipt by Station. The contest/sweepstakes administrator s computer is the official time-keeping device for the Promotion. This Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook. By submission of an entry, an entrant releases Facebook from any responsibility or liability for the Promotion s administration, prizes or promotion. You are providing entry information to the Station and not to Facebook. c. Only one Facebook entry per person and per Facebook account per day is permitted. For purpose of this Promotion, a Day shall begin at 12:00:00 a.m. MT and shall end at 11:59:59 p.m. MT 4. PRIZES AND ODDS OF WINNING a. 10 (ten) winners will receive $1,000 OFF a New Roof Certificate each. For a total of: $10,000 dollars in new roofs! Cannot be combined with any other offers, and may not be combined with an insurance claim. The house must be 3,000 sq. ft. or larger. Certificate Expiration Date: November 1 st, Winners have 30 days to pick up their certificate. Each participant that enters will be offered a coupon valued at 10% OFF or 0% financing for 24 months off a new roof. May not be combined with other offers, and may not be combined with an insurance claim. b. ODDS OF WINNING DEPEND UPON THE NUMBER OF ENTRIES RECEIVED, AS APPLICABLE d. WINNER(S) NEED TO NOT LISTEN, WATCH KKTV OR BE PRESENT OR VIEWING TO WIN e. There is no substitution, transfer, or cash equivalent for prizes, except that the Station may, at its sole discretion and to the extent permitted by law, substitute prizes of comparable value or cash. The prizes are expressly limited to the item(s) listed above and do not include taxes, gratuities or any other expenses. Any tickets awarded as part of a prize will be subject to the terms and conditions set forth by the issuer and are valid only on the date(s) printed on the tickets. Other restrictions may apply. 5. WINNER SELECTION AND NOTIFICATION a. Decisions of Station management with respect to the Promotion are final. 2

3 b. Winners will be chosen at random on May 12 th, 2020 before 12:00 PM MST. Each winner will be contacted by . c. Winner(s) (or their parents or legal guardians if under the age of majority) must execute and return any required affidavit of eligibility and release, publicity release, and/or guest/traveling companion release within ten (10) days of notification attempt or winner will be disqualified and the prize will be forfeited and an alternate winner(s) may be chosen by RANDOM. If a potential winner(s) cannot be contacted, fails to complete, sign and return any required affidavit of eligibility and release, publicity release, and/or guest/traveling companion release within the required time period, or if a prize or prize notification is returned as undeliverable, the potential winner(s) will be disqualified and will forfeit the prize. An entrant who provides a mobile wireless number to the Station in connection with a promotion, including by entering via text message or providing a mobile number for winner notification purposes, is responsible for informing the Station if his or her number is reassigned to another person at any time before the end of the Promotion set forth in Section I.a. of these rules, and for providing an alternative number where he or she may be reached. d. Unless otherwise specified in the prize notification, all prizes or prize certificates may be picked up at the office of the Station at the address below. The winner(s) will forfeit any prize or prize certificate not claimed within thirty (30) days of winning. Prize or prize certificates will not be mailed to the winner(s) without the winner s or winners prior written consent in which the winner(s) shall agree to assume its risk of loss. The Station, its sponsor(s), or promotional partner(s) are not responsible for the safe arrival of a prize or prize certificate. 6. CONDITIONS a. Payments of all federal, state and local taxes are solely the responsibility of the winner(s). Winner(s) will be required to complete and submit an IRS Form W-9 or the equivalent including a winner s full Social Security Number for receipt of any prize valued at $600 or more or for any prizes awarded by the Station (in combination with any prizes won in Promotions run by any other Gray television station) in a calendar year with an aggregate value of $600 or more. Failure to submit a complete W-9 or equivalent will result in disqualification and forfeiture of the prize. b. Participating in the Promotion and acceptance of a prize constitutes a winner s and guest s (where applicable) permission for the Station or its agents to photograph, film and record each winner, and to use his/her name, address (city and state), likeness, photograph, voice, biographical information and/or any statements made by him/her regarding the Promotion or its sponsors for purposes of trade, publicity or promotion without additional financial or other compensation, and, the Station may, where legal, require a winner (and guest or travel companion, where applicable) to sign a publicity release confirming such consent prior to acceptance of the prize. It is the responsibility 3

4 of the winner(s) to ensure that their guest(s) or travel companion(s) sign and return to the Station any required release. c. To the fullest extent permitted by law, by participating in the Promotion, you: i. agree to grant the Station a non-exclusive, perpetual, worldwide license to edit, telecast, exhibit, rerun, reproduce, use, syndicate, license, print, distribute and otherwise exploit any items (including any photos, videos, audio, or written material) submitted as part of your contest entry (the Materials ), or any portion thereof, in any manner and in any and all formats and media now known or hereafter devised, without payment to you or any third party; ii. Acknowledge that the Station reserves the right, in its sole discretion, not to use the Materials at all; and iii. represent and warrant that: you are 18 years of age or older; you have the full legal right, power and authority to grant to the Station the license provided for herein; you own or control the complete exhibition and other rights to the Materials you submitted for the purposes contemplated in this license; you are either the parent (or legal guardian) of any minor featured in the Materials or have received the express consent of the parent (or legal guardian) for any such minor to appear in the Materials and to enter the minor s likeness in the Materials in the contest; and neither the Materials nor the exercise of the rights granted herein shall infringe upon or violate the right of privacy or right of publicity of, or constitute a libel or slander against, or violate any common law or any other right of, any person or entity. d. Prior to awarding any prize or prize certificate, and depending on the nature of the prize and eligibility requirements of the Promotion, the Station in its sole discretion may require verification of Promotion winner s or winners identification by a showing of valid government-issued photo identification. e. To the fullest extent permitted by law, by participating and/or accepting a prize, entrants, winner(s) and guests (if applicable) agree to release and hold harmless the Station, its sponsor(s) and promotional partner(s), its advertising and promotion agencies, any social media platform utilized in the conduct of the Promotion (including but not limited to Facebook, Inc.) and each of their respective parent, subsidiary and affiliated entities, and the officers, shareholders, directors, employees, agents, representatives, successors, and assigns of each of them (collectively, the Released Parties ) against any and all claims or liability arising directly or indirectly from the prize or participation in the Promotion. The Station may also require eligible Promotion winner(s) and their guests or travel companions, if any (as well as each of their parent(s) or legal guardian(s), if winner(s), guest(s) or travel companion(s) are under the age of majority in their state of residence), to sign a liability release confirming such consent. It is the responsibility of the winner(s) to ensure that their guest(s) or travel companion(s) sign and return to the Station any required release. 4

5 f. The Station, in its sole discretion, reserves the right to disqualify any person (and all of their entries) from this Promotion if he or she tampers with the entry process, the operation of the Promotion, or the operation of the Station s website, Facebook Page, and/or any other social networking site used in the Promotion, or is otherwise in violation of the rules. The Station further reserves the right, at its sole discretion, to modify, cancel, terminate or suspend the Promotion, or any part of it, if it is not capable of completion as planned or if any fraud, technical failures or any factor beyond the Station s control, including infection by computer virus, bugs, tampering, unauthorized intervention or technical failures of any sort, corrupt or affect the administration, security, fairness, integrity or proper conduct of the Promotion as determined by the Station in is sole discretion. Any attempt by an entrant or any person to deliberately damage any station website, Facebook Page, and/or any other social networking site used in the Promotion or to undermine the legitimate operation of this Promotion may be a violation of criminal and civil laws. Should such an attempt be made, the Station reserves the right to seek full prosecution and/or damages from any such individual to the fullest extent permitted by law. The Station s failure to enforce any term of these Official Rules shall not constitute a waiver of this provision. If due to circumstances beyond the control of the Station, any competition or prize-related event or travel is delayed, rescheduled, postponed or cancelled, the Station reserves the right, but not the obligation, to modify, terminate, suspend or cancel the Promotion and shall not be required to award a substitute prize. g. The Released Parties are not responsible for (i) typographical or other errors in the printing, the offering or the administration of the Promotion, or in the announcement of a prize; (ii) entries not received due to difficulty accessing the internet, service outage or delays, computer difficulties, malfunctions, disconnections, other technological failures, telephone service outages, delays, dropped calls, or busy signals, or any other difficulties that may prevent an individual from sending or receiving a text message; or (iii) lost, stolen, mangled, misdirected, postage due, illegible, incomplete, incorrect, or late entries. Due to online streaming delays, online viewers of station programming may have difficulty participating in on-air contests. Further, the Released Parties are not responsible if any part of a Promotion prize that cannot be awarded due to acts of god, acts of war, natural disasters, weather, acts of terrorism or other factors beyond the Station s control. h. To the fullest extent permitted by law, by participating in the Promotion, you understand and agree that: i. the Federal Arbitration Act applies to this agreement, and if the parties are unable to resolve their dispute amicably, it shall be resolved by means of binding arbitration (not in a court of law); ii. any and all disputes, claims, and causes of action arising out of or in connection with this Promotion, or any prizes awarded, shall be resolved individually, 5

6 without resort to any form of class action (even if the rules and procedures of the arbitration tribunal allow class arbitrations); iii. any and all claims, judgments, and awards shall be limited to actual out-ofpocket costs incurred, including costs associated with entering this Promotion, but in no event and under no circumstances will entrants or winners be permitted to obtain awards for attorneys fees, and you hereby waive all rights to claim punitive, incidental, or consequential damages, or any other form of damages, other than actual out-ofpocket expenses, and any and all rights to have damages multiplied or otherwise increased; iv. any claim or dispute regarding the Promotion or these Official Rules will be resolved pursuant to the laws of the State or Commonwealth in which the Station is located, without regard to the conflicts of laws and rules of that State or Commonwealth; v. any claim or dispute regarding the Promotion or these Official Rules will be resolved in a tribunal within the State or Commonwealth in which the Station is located, and you submit to the jurisdiction of, and waive all objections to the jurisdiction or venue of, such tribunal; and vi. if for any reason a claim or dispute regarding the Promotion or these Official Rules proceeds in court rather than through arbitration, there will not be a jury trial. i. The invalidity or unenforceability of any provision of these Official Rules, including but not limited to the agreement to arbitrate, shall not affect the validity or enforceability of any other provision. If any such provision is determined to be invalid or otherwise unenforceable, these rules shall be construed in accordance with their terms as if the invalid or unenforceable provision was not contained herein. j. To obtain a copy of the Official Rules or a list of winner(s) following completion of the Promotion (please specify which), send a self-addressed, stamped envelope (VT residents may omit return postage) specifying Official Rules or Winner List to ROOFING AROUND CONTEST Winner List or Official Rules Request, KKTV, 520 E. Colorado Ave, CO A copy of the Official Rules and a list of winner(s) (when complete) are also available during regular business hours at the main studio of KKTV, 520 E. Colorado Ave, CO All such requests must be received within thirty (30) days following completion of the Promotion. 7. OFFICIAL RULES, TERMS OF USE AGREEMENT & PRIVACY POLICY By entering this Promotion, you agree to be bound by these Official Rules and the Station s Terms of Use Agreement and to the use of your personal information as described in the Privacy Policy located at: [ e_agreement_ html] (Terms of Use) and 6

7 [ (Privacy Policy) or at the main studio of KKTV, 520 E. Colorado Ave, Colorado Springs, CO Sponsor(s): Avalanche Roofing, 7195 Templeton Gap Rd., Colorado Springs, CO 80923; KKTV 520 E. Colorado Ave, Colorado Springs, CO 7

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