DBA For James B. Nutter & Company NMLS 2067

General Contest Rules

Except to the extent set forth in the specific rules for a particular contest, these general contest rules will apply to all contests conducted by or in partnership with James B. Nutter & Company DBA Nutter Home Loans NMLS 2067 (“Nutter”). To the extent that the specific rules for a particular contest differ from these general contest rules, the specific rules for that particular contest will govern and control the conduct of such contest. A copy of these general contest rules, along with any specific contest rules if/when applicable, are available (i), Monday through Friday (excluding holidays) 8:30am to 4:30pm CST, at Nutter Home Loans, 4153 Broadway, KCMO, 64111., and (ii) on the website at www.nutterhomeloans.com/rules.

Who Can Enter

  1. Individuals who are both 18 years of age of older and legal Missouri or Kansas residents on the entry date may enter Nutter contests (“Entrant(s)”). Only if Nutter allows individuals fourteen (14) years of age or older to enter contests, in the event a prize is won by any Entrant who is under 18 years of age, such Entrant’s parent or legal guardian will be deemed the winner for all purposes hereunder.

  2. Notwithstanding the foregoing, the following individuals are NOT eligible to enter Nutter contests, even if such individuals meet the age and residency requirements set forth in Section 1 above: a. Any employees (i.e., full-time, part-time and/or temporary employees) of the Nutter, of participating sponsor(s) (“Sponsor(s)”), of any advertising and promotion agencies, and/or of the respective parent entities, subsidiaries, affiliated companies of each; b. Any immediate family members of such employees, including without limitation current and/or ex-spouses, parents, grandparents, children, grandchildren, siblings, in-laws, and/or steps in any of the foregoing categories; and c. Any other individual legally residing in the same household (i.e., at the same address) of such employees, including without limitation roommates, housemates, significant others, and partners.

How to Enter/How to Win


  2. For particular Contests governed by these general contest rules (“Contest(s)”), Nutter will provide the following Contest-specific information as applicable: (i) when to enter the Contest and/or the deadline for entering the Contest (the “Entry Period”); (ii) how to enter the Contest, which may include but will not be limited to one or more of the entry methods described in Sections 5 – 10 below; (iii) the time(s), date(s), location(s) (if applicable), and method(s) for selecting or otherwise determining any qualifier(s), semi-finalist(s), finalist(s) (collectively hereinafter “Qualifier(s)”), winner(s) and/or grand prize winner(s), as applicable; and (iv) a description and approximate value of the prize(s) to be awarded (“Contest Terms”).a. Nutter will provide such Contest Terms by means of website/blog post(s), social media network post(s), and on-site/point-of-purchase poster(s), display(s), material(s) and/or handout(s). b. Nutter is not responsible for the failure of any third party sponsor/location to make Contest Terms available.

  3. For All On-Site/Entry Box Contests: Utilize Nutter contest forms at events. Entries must be deposited in the official entry box by the announced or posted deadline. Only official entry blanks that are handwritten are eligible (no mechanical reproductions will be accepted). Official contest entry blanks are only available at the location of the official entry box, while supplies last. The entry form may require for the Entrant to provide certain required contact information, along with any one or more of the following additional requirements: (i) answer survey (ii) submitting Entrant-generated Content (for essay requirements, see Section 11(h)(i) below; for photo requirements, see Section 11(h)(ii) below; and for video requirements, see Section 11(h)(iii) below). On-Site/Entry Box Enter to Win Contests: To enter, visit the designated event and/or location as specified by Nutter, during the designated Entry Period, obtain an official entry form (available while supplies last), and legibly complete the entry form by hand writing all required information, which may include without limitation, your first name and last name, complete address, city, state, zip code, phone number (including area code), and email address, and verify age is 18 or older. Failure to provide all required information may result in disqualification. For any Contest requiring that Entrants and/or Qualifiers be present at a Nutter event in order to continue participation in a Contest, Entrants hereby agree to strictly follow all instructions and directions given by the Nutter staff at the event and understand that any intentional failure to comply with the Nutter’s instruction, process, procedures or Contest rules at the event may result in immediate disqualification in Nutter’s sole discretion. If check-in or registration at the event is required by Nutter, you must check in, or in some cases be in line to check in, by a certain announced time. Eligibility to participate in the Contest event may require that at check-in each timely arrived participant complete, sign one or more liability release agreement(s, provide his/her social security number, provide evidence of a valid government issued photo identification (i.e., driver’s license, passport, or military ID), and/or other specific requirements announced. Failure to do any of the foregoing at check-in if required will result in automatic disqualification. In the event that any Contest associated event or any Grand Prize Event needs to be rescheduled for any reason, such postponement will be announced on the Nutter’s website. It is the sole responsibility of each Entrant/Qualifier to check the website and/or listen on-air for cancellation and/or rescheduling information. Notwithstanding the foregoing, Nutter may (but is not obligated to) send a written, email or telephonic notice to Entrants/Qualifiers regarding any necessary rescheduling of any Grand Prize Event with the rescheduled date/time but in no event will Nutter or Sponsors have any liability or responsibility for any Entrant’s/Qualifier’s failure to receive the message for any reason. In no event will Nutter or Sponsors have any liability or responsibility for any potential Entrant’s, Entrant’s or Qualifier’s inability to attend any event on the rescheduled date (and no alternative opportunities will be offered).


  1. Prize(s) will be released to winners only. Prizes will not be mailed, unless otherwise determined by the Nutter, at its sole discretion. All prizes awarded must be picked up at the Nutter’s 4153 Broadway, Kansas City, MO offices during normal business hours (as described above), unless otherwise specifically directed by Nutter. Prizes not claimed within thirty (30) business days of being advised by Nutter that the prize is available for pick-up, or in the case of a time sensitive prize within its period of usability if shorter than 30 business days, will be considered forfeited without notice to the winner, and will become property of Nutter. Such prize may be disposed of at the discretion of Nutter Management. Notwithstanding anything to the contrary herein, stated on air, or published online, no potential winner of any Contest will be entitled to receive any prize until the Nutter has verified such potential winner’s Contest eligibility and compliance with the Contest rules and until such potential winner has completed and submitted all documents required by Nutter. In order to receive any prize, a Winners may be required to present a valid government issued photo ID, to provide a valid social security number, and/or to provide or complete and sign any other documents required by the Nutter, including without limitation, one or more liability release agreements relieving the Nutter, its parent and affiliates and their respective officers, directors, members, managers, employees, agents, Contest sponsors and others from any and all liability with respect to the Entrant’s participation in the Contest and the receipt and/or use of the prize. Any person who refuses to present a valid government issued photo ID, to provide a valid social security number, and/or to provide or complete and sign any other documents required by the Nutter by the deadline required by Nutter will forfeit any and all prizes. Nutter reserves the right to examine identification and may reasonably choose to accept or deny awarding the prize based on the identification presented. In the event that any Entrant(s), Qualifier(s), winner(s) and/or grand prize winner(s), as applicable, is disqualified from a Contest for any reason permitted by the applicable Contest rules at any point in time (before or after a winner is determined): (i) Nutter and/or Sponsor(s) will in no way be obligated to notify any such individual(s) of such disqualification or forfeiture, (ii) Nutter will NOT be obligated to select an alternative Qualifier, winner, and/or grand prize winner, as applicable, and may instead elect to retain any associated prize(s) as its own property and/or dispose of any such prize(s) in any way it sees fit outside of, or within, the scope of the Contest.

  2. Unless otherwise specified, the following terms and restrictions may apply generally to prizes awarded in Contests: Any prize that is awarded in the form of a gift certificate or gift card, the use and/or redemption of such certificate or card may be subject to additional terms and restrictions, including without limitation expiration date, specific locations at which such certificate or card may be redeemed, may be based on availability and may include black-out periods, restrictions or excluded items (i.e., tax, tips, alcoholic beverage, or goods from a particular manufacturer). Gift certificates are only redeemable at the locations for which they are specified. Any prize involving the award of cash will be fulfilled in the form of a company check payable to the verified winner only and made available six (6) to eight (8) weeks from the date upon which the winner completes and submits all documents required by Nutter. Nutter and Sponsors are not responsible for replacing or reimbursing winners with any form of compensation for flights or events that are canceled, rescheduled or delayed. All cancellations are deemed beyond the control of Nutter and its sponsors. This includes, but is not limited to, event cancellations, trip schedule changes, flight cancellations, changes in travel arrangements, travel delays of any form and duration, as well as all delays or cancellations due to acts of nature, terrorism (including threats), illness or war. Additionally, Nutter is not responsible for any work stoppage, bankruptcy or other condition beyond Nutter’s control that may affect Nutter’s ability to provide any of the prizes. Nutter is not responsible for any expenses incurred by Contest winners as a result of such cancellations, delays or other circumstances beyond Nutter’s control.

  3. Except by Nutter, which reserves the right to substitute a prize or prize portion with another prize or prize portion of greater or equal value, prize(s) may not be redeemed for cash, substituted, transferred or assigned, except as may be determined by Nutter at its sole and absolute discretion on a case-by-case basis. Winners are prohibited from selling any prize awarded or transferring any prize without Nutter’s authorization, which authorization must be in writing by a Nutter representative and will be granted or withheld in Nutter’s sole discretion on a case by case basis. In the event that Nutter discovers or suspects (correctly or incorrectly) that a winner is attempting to sell his/her prize from Nutter (i.e., eBay, Craigslist, StubHub, or otherwise), Nutter reserves the right, at its sole discretion, on a case by case basis to take any one or more of the following actions: (a) immediately disqualify the winner and deem any prize they were otherwise entitled to as forfeited; (b) refuse to award the prize to such winner, even if he/she represents that they will not resell or transfer the prize; and/or © prohibit the violating winner from participating and/or winning any future Contests, whether for a fixed period of time or in perpetuity, in Nutter’s sole discretion, and if such winner ever wins a future Contest during the period that he/she is banned, he/she will be disqualified from the Contest and forfeit any prize once it has come to Nutter’s attention. Further, Nutter reserves the right to track and/or cancel and invalidate any prize awarded that Nutter suspects was sold or transferred without authorization. Winners are responsible for paying all applicable local, county, state and federal taxes on prizes based on the estimated retail value of the prize, as set forth in the Contest rules, and may be issued an IRS Form-1099 for all prizes won from Nutter in any calendar year where the aggregate value of all such prizes is $600 or more.

  4. Other Rules that May Apply to Nutter Contests are subject to all applicable laws and regulations, and are void where prohibited. Odds of winning depend upon the how the Contest is conducted. For random drawings, the odds of winning will depend upon the number of entries received. For contests in which winners are qualified for a random drawing to determine the grand prize winner, odds will depend on the total number of Qualifiers. For contests of skill that do not involve any element of chance, odds of winning are not applicable. All tie breaking procedures will be published on the Nutter’s website and/or communicated by email to tied contest Entrants. Nutter may or may not respond to inquiries by Entrants or potential Entrants regarding the status of their entry and/or to questions about a Contest, regardless of the means by which such inquiry is made, and Nutter is not obligated to respond to, or to treat, all such inquiries identically (even if the question is identical). Time considerations and/or volume, among other things, may impact a Nutters’ desire or ability to respond to such inquiries from time to time. Notwithstanding anything that may be communicated by any Nutter employee in connection with any such inquiry, the sole determining source for information related to a particular Contest will be the rules for such particular Contest, and any information communicated by Nutter employee(s) will neither be binding on the Nutter nor be deemed to be providing any type of improper assistance or advantage to any particular Entrant over another. Any attempt by Nutter to respond to an inquiry will be in the context of providing good customer service only and, in some instances, to address technical issues/problems.

  5. Participation in a Contest and/or acceptance of prize(s) constitutes consent by Entrant and/or winner’s (and by winner’s guest(s) if applicable) for the Nutter or its agents (i) to interview the Entrant and/or winner(s) (and winner’s guest(s), if applicable), (ii) to photograph, film, and record (audio and/or video) Entrant and/or winner(s) (and winner’s guest(s), if applicable), and (iii) to use in commerce and in any medium now or hereafter known throughout the world in perpetuity and without payment of any compensation or additional consideration: his/her name, hometown (city and state), biographic information, likeness, photograph, audio or video recording, Entry Materials, prize information (if any), and/or any statements made by him/her regarding the Nutter, the Promotion, and/or its sponsor(s) for purposes of trade, publicity, or promotion without notice or additional compensation, notification, or permission, except where prohibited by law.

  6. Participation in a Contest and/or acceptance of prize(s) constitutes agreement by Entrant and/or winner (and by winner’s guest(s) if applicable) release, forever discharge, indemnify, and hold harmless Nutter, its affiliates, parents, assigns, successors, employees, participating Sponsors, agents and all others connected with them and the promotion, Contest, and/or event (the “Released Parties”) from any and all liability, claims, actions, and damages sustained or incurred by participation in the said promotion, Contest, and/or event and the receipt and use of any prize(s) awarded (if any) through such promotion, Contest, and/or event arising in any manner whatsoever, including but not limited to an act or omission, whether negligent, intentional or otherwise caused by Nutter, its affiliates, parents, assigns, successors, employees, sponsors, agents and all others connected with them and the promotion, Contest, and/or event. In the event that the associated Contest is administered by Nutter (in whole or in part) via a Facebook page, Entrants understand and agree that the foregoing liability release and indemnification in this section will also include the release and indemnification of Facebook by Entrant in the same manner in which Nutter is released and indemnified.

  7. The Released Parties are not responsible for (i) typographical or other errors in the printing, the offering, or the administration of a Contest or in the announcement of a prize; (ii) incorrect or inaccurate information, human error, failure, or omission; (iii) unauthorized human intervention; (iv) lost, stolen, mangled, misdirected, illegible, incomplete, or late entries; (v) entries not received due to difficulty accessing the internet, service outage or delays, computer difficulties and other technological problems or for telephone service outages, delays, busy signals, poor signals or signal interference, accidental disconnection, equipment malfunctions, and any other technological failures of any kind; or (vi) any cancellations, delays, diversions, or substitutions or omissions whatsoever by any transportation providers or any other persons or entities providing any services to Entrant(s) and/or winner(s) (and winner’s guest(s) if applicable) including any results thereof such as changes in services or location necessitated by same. Further, the Released Parties are not responsible if any part of a Contest cannot be conducted and/or if a prize, either in whole or in part, cannot be awarded due to acts of God, acts of war, natural disasters, weather, acts of terrorism, or other factors beyond the Released Parties’ control.

  8. If for any reason a Contest cannot be executed as planned, including but not limited to, as a result of infection by computer virus, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of the Released Parties that may corrupt or affect the security, administration, fairness, integrity or proper conduct of the Contest, or if the Contest is compromised or becomes technically corrupted in any way, electronically or otherwise, the Nutter reserves the right to cancel, terminate, suspend, and/or modify the Contest without prior notice. If the Contest is terminated before the original end date, the Nutter reserves the right, in its sole discretion to, to modify the procedure for selecting winners, unless the nature of the event giving rise to such termination renders it impossible to select winner(s).

  9. Except if inconsistent with these general contest rules or the specific rules for any one particular contest, any reference to the Nutter’s privacy policy in Contest Materials or advertisements will be deemed to refer to the Nutter’s privacy policy (if any) available from a link at the bottom of the Nutter’s Website (“Nutter Privacy Policy”), unless a different privacy policy is specifically identified, in which case, any such third party privacy policy will NOT be applicable to or part of these Contest rules. Nutter may use cookies and/or collect IP addresses for the purpose of implementing or exercising its rights or obligations under the Contest rules, for information purposes, identifying your location, including without limitation for the purpose of redirecting you to the appropriate geographic website, if applicable, or for any other lawful purpose in accordance with the Nutter Privacy Policy. Information collected by Nutter in connection with entering, voting or otherwise participating in any Contest may be shared with sponsors of particular Contests, and otherwise used in accordance with the Nutter Privacy Policy.

  10. Winner List(s): For a list of winners for a particular Contest, mail a self-addressed stamped envelope to the Nutter’s studio address (see page one of these rules) identifying the name of the particular Contest for which you would like to receive a winner’s list. All requests for winner lists must be mailed and received by the Nutter after the Contest is over but prior to three (3) months after the Contest has been concluded.