Flex Balance Transfers Raffle

Official Rules

No purchase necessary to enter or win.
Only cardholders with an active Flex balance transfer account with at least $500 in completed balance transfers are eligible for automatic entry.
Members need to meet credit qualification criteria to be issued a credit union credit card.
Purchasing will not increase your odds of winning.

All entries, whether submitted by completing at least $500 in Flex balance transfers or by mail, have an equal chance of winning.


The Raffle is only open to California Bear Credit Union (“Sponsor”) members who are legal permanent US residents (including Washington, D.C.) and 18 years of age or older before 08/01/2019. Void in Guam, Puerto Rico and where prohibited. Employees of Sponsor and its affiliates, distributors, subsidiaries, prize providers, advertising/promotion agencies and the immediate family (spouses, parents, children, and siblings and their respective spouses) and/or those living in the same household of any of the foregoing are not eligible to enter or win. Such ineligible persons and the Sponsor, SimplyCredit, Inc., and each of their respective parent companies, affiliates, distributors, subsidiaries, are collectively referred to herein as (“Released Parties”).

How to Enter

Raffle begins at 12:00:01AM Pacific Time (“PT”) on 08/01/2019 and ends at 11:59:59PM PT on 08/31/2019 (“Promo Period”). There are two methods of entry: 1) To enter the Raffle by using Flex balance transfers: complete at least $500 in balance transfers to your Credit Union credit card using Flex during the Promo Period to automatically receive one (1) entry into the Raffle. You must have at least $500 in completed Flex balance transfers for the automated entry to be valid, otherwise it will be voided; or 2) To enter the Raffle by mail without using your account — you will receive one (1) entry into the Raffle by printing by hand your name, complete mailing address, telephone number, date of birth, your credit union membership number, and the words Flex Balance Transfer Raffle August 2019” on a plain 3” x 5” piece of paper and mailing it in a sealed, stamped and hand printed #10 envelope to: August 2019 Raffle, 300 S. Spring St. Suite 1215, Los Angeles, CA. Mail must be received by 5:00:00 PM PT on 08/31/2019. Regardless of the method of entry, you get a maximum of one entry.

Completion of Flex balance transfers and/or your submission of a 3”x5” mail-in entry constitutes your consent to participate in this Raffle and for Sponsor to obtain, use, and transfer your name, address and other information for the purpose of administering this Raffle. All entries become property of Sponsor and will not be returned. Released Parties are not responsible for lost, incomplete, illegible, late, misdirected, stolen, postage-due, or mutilated entries or mail; any error, omission, interruption, defect or delay in transmission, third-party transaction classification, transaction processing, or communication; technical or mechanical malfunctions; failures or malfunctions of phones, phone lines, or telephone systems; errors in these Official Rules, in any Raffle-related advertisements or other materials; human-processing error; failures of electronic equipment, computer hardware or software; or inaccurate entry information, whether caused by equipment, programming used in this Raffle, human error, or otherwise. Sponsor reserves the right, in its sole discretion, to void any and all entries of an entrant who Sponsor believes has attempted to tamper with or impair the administration, security, fairness, or proper play of this Raffle.

1st Place Prize: $500

The first place prize is $500. The winner may elect to receive the winnings as a deposit to a Credit Union account or as a check by postal mail.

2nd Place Prize: 39-Inch HD LED TV

The second place prize is the Insignia NS-39DF510NA19 39-inch 1080p Full HD Smart LED TV- Fire TV Edition (Link to TV). The winner shall pick up the TV directly from the credit union.

Prize Terms and Conditions

All costs and expenses associated with the acceptance and use of the prize not specified herein as being awarded, including, but not limited to, all federal, state and local taxes, additional ground transportation, food, beverages, and other miscellaneous expenses are winner’s sole responsibility.
Total Approximate Retail Value of 1st Place Prize: $500.
Total Approximate Retail Value of 1st Place Prize: $230.

Winner Selection

Potential winners will be selected in a random drawing by Sponsor whose decisions will be final and binding in all matters relating to this Raffle, on or about 09/10/2019 from among all eligible entries received. The potential winner will be notified by Sponsor by telephone, email, and/or mail, subject to verification of eligibility and compliance with these Official Rules. Any winner of a prize will be removed from consideration for subsequent prizes. Odds of winning will depend on the number of eligible entries received.


Completion of Flex balance transfers during the Promo Period and/or your submission of a 3”x5” mail-in entry constitutes your consent to participate in this Raffle and your consent for Sponsor to obtain, use, and transfer your name, account number, email and mail, phone number and other information for the purpose of administering this Raffle, awarding the prizes and to comply with legal requirements. For automatic entries, Sponsor may obtain the account holder’s personal contact information (name, email address, phone number) from SimplyCredit in order to award prizes. Except where prohibited by law, acceptance of a prize constitutes winner’s consent to Released Parties, each of their respective agents’ or other designee’s, use of winner’s name, likeness, photograph, voice, statement, opinions, biographical information, prize and/or state/city of residence for advertising and promotional purposes in any media, worldwide, in perpetuity, without notification, payment or consideration. You may be required to sign a document confirming your consent to this effect.

For information regarding Sponsor’s privacy practices, please click here or visit https://www.calbearcu.org/s/Federal_and_State_PrivacyPolicy_08-2017.pdf.


If any prize or prize notification letter is returned as undeliverable or the prize is declined for any reason, potential winner will be disqualified and, at Sponsor’s sole discretion and time permitting, an alternate potential winner may be selected by random drawing from among all remaining eligible entries received.

Should the potential winner decide to decline his/her prize for any reason whatsoever or not respond to the prize notification by the applicable response deadline, Sponsor shall have no further obligation to that potential winner and an alternate winner may be randomly selected from among all remaining eligible Raffle entries.

By participating, entrants agree to be bound by these Official Rules and agree that Released Parties and their designees and assigns and all of their respective officers, directors, employees, shareholders, representatives, agents, and the franchisees of any of them shall have no liability and entrant will defend, indemnify and hold harmless Sponsor and the other Released Parties from and against any liability, loss, injury, or damage of any kind (including attorney’s fees) to any person to entity including, without limitation, personal injury, death or damage to personal or real property, due in whole or in part, directly or indirectly, by reason of entrant’s entry into the Raffle, any materials he or she may submit in connection herewith or the acceptance, possession, use or misuse of a prize or participation in any activities associated with the Raffle or any prize awarded in connection herewith.

Sponsor reserves the right, in its sole discretion, to void any and all entries of an entrant who Sponsor believes has attempted to tamper with or impair the administration, security, fairness, or proper play of this Raffle and to modify, suspend, and/or terminate this Raffle (or portion thereof) should virus, bugs, non-authorized human intervention or other causes corrupt or impair the administration, security, fairness or proper play of the Raffle and, in the case of termination, at its discretion, select winner via a random drawing from all eligible, non-suspect entries received prior to the event that required such termination.

Released Parties make no warranty, guaranty or representation of any kind concerning any prize (or any portion thereof), and disclaim any implied warranty. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. Except where prohibited, entrant agrees that any and all disputes, claims and causes of action arising out of, or connected with, the Raffle or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in the state of California. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, entrant’s rights and obligations, or the rights and obligations of the Sponsor in connection with the Raffle, shall be governed by, and construed in accordance with, the laws of the state of California without giving effect to any choice of law or conflict of law rules. The remedy for any claim shall be limited to actual damages, and in no event shall any party be entitled to recover punitive, exemplary, consequential, or incidental damages, including attorney’s fees or other such related costs of bringing a claim, or to rescind this agreement or seek injunctive or any other equitable relief.

Winner Name

For the winner’s name, send a self-addressed, stamped envelope to be received by 09/10/2019, to: Flex August 2019 Raffle Winners, 300 S. Spring St. Suite 1215, Los Angeles, CA.


California Bear Credit Union, 300 S. Spring St. Suite 1215, Los Angeles, CA.