NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED BY LAW.

Sponsor and Administrator:

The sponsor and administrator of the promotions is Boston DPA Consulting, LLC, located at [Business Address, Boston, MA]. (“Sponsor”). Any questions or correspondence regarding the promotions should be directed to Sponsor at the provided address or via email.

Promotions Covered:

These Official Rules govern all sweepstakes, contests, and prize drawings (collectively, “promotions”) offered by Sponsor to its clients or the public, including:

Monthly Down Payment Assistance Drawings (individual random drawings typically held each month among eligible entrants).

Conditional Event Promotions (promotions that award prizes if a specific “trigger” event occurs, such as the “Red Sox Championship Refund Giveaway” or the “White Christmas Bonus,” described below).

Any other prize promotions announced by Sponsor during the effective period of these rules. Specific details for each promotion (such as entry period and prize specifics) are provided at announcement and governed by these Rules.

Eligibility:

General Eligibility: Open to legal residents of the 50 United States (and D.C.) who are at least 18 years of age (and the age of majority in their state of residence) at the time of entry. Void where prohibited by law.

Clients and Non-Clients: Both Sponsor’s clients and non-clients are eligible to enter. Purchasing Sponsor’s services does not improve chances of winning.

Employees Excluded: Employees, officers, and directors of Sponsor, its parent, affiliates, subsidiaries, advertising and promotion agencies, and immediate family members (spouse, parents, siblings, and children) or household members of each such employee are not eligible to enter or win.

Specific Promotions: Some promotions may have additional eligibility criteria (e.g., limited to clients in Massachusetts, or first-time homebuyers). Any such criteria will be stated in the promotion announcement and are incorporated herein by reference.

Disqualification: Sponsor reserves the right to disqualify any entrant who tampers with the entry process, cheats, or violates these Rules or the spirit of the promotion. False or deceptive entries or acts will render the entrant ineligible.

Entry Periods:

Monthly Drawings: The entry period for each Monthly Drawing begins at 12:00 a.m. on the first day of the month and ends at 11:59 p.m. Eastern Time on the last day of that month (each, a “Monthly Entry Period”). Entries do not carry over to subsequent months; a new entry must be obtained or submitted for each Monthly Entry Period.

Red Sox Championship Refund Promotion: The entry period begins [for example] on April 1, 2025 and ends on September 30, 2025 at 11:59 p.m. ET (or another date just before playoffs).

White Christmas Bonus Promotion: The entry period begins November 1, 2025 and ends December 24, 2025 at 11:59 p.m. ET. The trigger event is defined as at least [6 inches] of snowfall in the city of Boston on December 25, 2025 (a “White Christmas” as measured by official National Weather Service data at Boston Logan Airport).

Other Promotions: Will have entry periods specified at their time of announcement. Sponsor will make entry period information publicly available for each promotion it conducts.

Sponsor’s computer (or server) is the official time-keeping device for these promotions.

How to Enter:

There are two methods of entry for all promotions:

Automatic Entry for Clients: Individuals who are paying clients of Boston DPA Consulting during a promotion’s entry period may be automatically entered by Sponsor as a courtesy. For example:

All active clients as of the last day of each month may be automatically entered into that month’s Monthly Drawing (with entries allocated according to their tier: Tier 1 gets 1 entry, Tier 2 gets 2 entries, Tier 3 gets 5 entries, etc., up to the maximum allowed per person below).

For conditional promotions, clients meeting any criteria (e.g., all Tier 3 clients enrolled by the promotion cut-off date) may be automatically entered.

Important: Automatic entry is provided for convenience. No purchase is required – clients or non-clients can also enter via the alternate method below. Automatic entries confer no advantage in odds versus alternate entries; they are simply entries in the drawing pool.

Alternate Method of Entry (Mail-In, No Purchase Necessary):

To enter any promotion without being a client or to obtain additional entries up to the limit:

Hand-print your full name, mailing address, phone number, and email address (if available) on a 3" x 5" card, along with the name of the promotion you wish to enter (e.g., “Monthly Drawing – [Month/Year]” or “Red Sox Refund 2025”).

Mail the card in a #10 envelope with proper postage to: Boston DPA Consulting Promotions, [Address].

Entry Limit:

Limit one (1) mail-in entry per envelope. Each envelope must be postmarked within the promotion’s entry period and received within 5 days after the entry deadline.

For Monthly Drawings, you may submit up to five (5) mail-in entries per Monthly Entry Period per person/household (this matches the maximum entries a Tier 3 client receives).

For special promotions, you may submit the number of entries equal to the maximum entries given to any client category (if applicable) or as stated in the promotion announcement.

If not stated, default is one entry per person.

No mechanically reproduced or mass-mailed entries.

Illegible or incomplete mail entries may be void at Sponsor’s discretion.

Sponsor is not responsible for lost, late, stolen, misdirected, damaged, or postage-due mail.

Online Entry (if offered):

If Sponsor provides an online entry form on its website or social media for a promotion, that will be an alternate free entry method as well. Instructions for any online entry (such as filling out a form or commenting on a post) will be provided. Online entries, if applicable, will be treated equivalently to other entries.

Entry Restrictions:

Regardless of method, there is a limit of five (5) total entries per person per Monthly Drawing, and the stated limit per person for any other promotion.

Entries beyond the allowed number will be disqualified.

Entries must be submitted by the entrant themselves.

Use of automated entries or third-party entry services is prohibited.

Entry Ownership:

All entries become the property of Sponsor and will not be returned.

Information collected via entry is subject to Sponsor’s Privacy Policy (available on our website).

Prizes and Odds:

Monthly Down Payment Assistance Drawings:

For each Monthly Drawing, the prize is one (1) $500 Visa Gift Card (or a gift card of equivalent value, or cash at Sponsor’s discretion).

Approximate Retail Value (ARV) of each monthly prize: $500.

One winner will be selected per month.

Odds of winning depend on the number of eligible entries each month.

Example: If 100 total entries are in the pool, each single entry has a 1/100 chance of winning. (If a person has 5 entries, their chance is 5/100 or 5%).

Red Sox Championship Refund Giveaway (Conditional Event Promotion):

If the Boston Red Sox win the 2025 World Series, Sponsor will award one (1) Grand Prize: a refund of the winner’s Boston DPA Consulting program fee, up to a maximum of $25,000 (ARV: up to $25,000).

If the Grand Prize winner is a paying client, that fee will be reimbursed.

If the winner is not a client or paid less than $25,000, the difference will be awarded as cash.

In essence, non-clients win $25,000 cash; clients receive a fee refund + cash to reach $25,000 total.

Prize is only awarded if the Red Sox win by the end of the 2025 MLB season.

Odds depend on number of entries and whether the Red Sox win.

If they don’t win, no prize is awarded.

White Christmas Bonus (Conditional Event Promotion):

If on Dec 25, 2025, snowfall ≥ 6 inches is recorded at Boston Logan Airport, Sponsor will award three (3) Prizes of $1,000 cash each.

Prizes awarded as check or gift card (ARV: $1,000 each).

If snowfall trigger does not occur, no prizes awarded.

Odds depend on the number of eligible entries.

Example: If 300 entries and 3 winners, each entry has 3/300 = 1% chance.

Limit one prize per person for this promotion.

Other Promotions:

Prizes and values for additional promotions will be disclosed at time of announcement.

Prizes may include cash, gift cards, or homebuying-related services (e.g., paid closing costs).

Prize Restrictions:

Prizes are not transferable and not exchangeable for alternate prizes except at Sponsor’s sole discretion.

Sponsor reserves the right to substitute a prize of equal or greater value if the advertised prize becomes unavailable.

Any prize involving refund of fees will only cover fees actually paid by the winner (if less than the maximum value) and will be paid in the form of a check or reversal of charge.

Non-clients receiving a “refund” prize will receive it as a cash/check payment.

Winners are responsible for any and all taxes (federal, state, local) associated with prize receipt.

Sponsor will collect necessary tax information and issue IRS Form 1099-MISC (or 1099-NEC) for any prize valued at $600 or more.

If a winner declines a prize or is disqualified, Sponsor may select an alternate winner from remaining eligible entries, time permitting.

Limit one prize per person per promotion (you can’t win two prizes in the same draw; however, you could win a monthly drawing and still be eligible for a different promotion’s prize).

Winner Selection and Notification:

Random Drawings:

Winners for each promotion will be selected in a random drawing from all eligible entries received for that promotion.

Sponsor (or an independent judging organization appointed by Sponsor) will conduct the drawing.

Drawing Dates:

Monthly Drawings: On or about the 5th day of the following month.

Red Sox Promotion: Within 10 days of the Red Sox winning the World Series (if applicable).

White Christmas: On or about December 30, 2025, if snowfall trigger occurred.

All entries (including client entries and mail-ins) will be pooled and mixed thoroughly.

Sponsor ensures that each entry has an equal chance of selection.

(Sponsor may use a third-party observer or recorded process, though not required.)

Notification:

Sponsor will notify potential winners using the contact information on file:

Clients: via phone or email.

Mail-in entrants: via phone/email if provided; or by mail if not.

Potential winners must respond within 7 days.

If a winner does not respond, cannot be reached, or is ineligible, Sponsor may select an alternate.

Winner Verification:

Potential winners must complete and return:

Affidavit of Eligibility,

Liability Release,

Publicity Release (where not prohibited),

Tax forms (e.g., W-9 for prizes ≥ $600).

Failure to complete paperwork or failure to meet eligibility may result in disqualification.

Prizes will be fulfilled within approximately 30 days after verification.

Sponsor is not responsible for delivery issues resulting from incorrect contact information.

General Conditions:

By participating, entrants agree to abide by these Official Rules and the decisions of Sponsor, which are final and binding in all respects.

Sponsor reserves the right to correct any typographical, printing, or clerical errors in any promotional materials or these rules.

Release of Liability:

By entering, participants agree to release and hold harmless Sponsor, its affiliates, subsidiaries, advertising and promotion agencies, and their respective officers, directors, employees, and agents (the “Released Parties”) from any claim or cause of action arising out of participation in the promotion or receipt or use of any prize.

This includes, but is not limited to:

Any technical errors that may prevent an entry;

Unauthorized human intervention;

Errors in administration or processing;

Injury, death, or property damage caused directly or indirectly from entry or prize use.

Publicity:

Except where prohibited, acceptance of a prize constitutes the winner’s consent for Sponsor to use the winner’s name (first name and last initial), likeness, voice, city/state of residence, and prize details for promotional purposes in any media, worldwide, without further permission or compensation.

Sponsor will not release full names or photographs without explicit permission.

(More detailed testimonials from clients may be requested separately but are not required to claim a prize.)

Privacy:

Information collected from entrants is subject to Sponsor’s Privacy Policy.

Entrants may be contacted by Sponsor for promotion administration.

Clients’ participation is also governed by their service agreements.

Sponsor will not sell or share entrant information with unrelated third parties except as necessary for promotion administration or legal compliance.

Tampering and Fair Play:

Sponsor reserves the right to disqualify any individual it finds to be tampering with the entry process or acting in violation of these Rules.

Any attempt to undermine the legitimate operation of any promotion may be a violation of criminal and civil law.

Sponsor reserves the right to seek damages and other remedies from such persons to the fullest extent permitted by law.

Modification or Cancellation:

Sponsor reserves the right to cancel, suspend, or modify a promotion (or any part of it) if fraud, technical failures, or any other factor impairs its integrity.

This includes cancelling a promotion if a trigger event cannot occur (e.g., season canceled) or if the promotion becomes illegal or impractical.

If terminated early, Sponsor may, at its discretion, award prizes from eligible entries received up to that point or cancel the promotion.

Force Majeure:

Sponsor is not responsible for events beyond its control that may affect the promotions, such as:

Weather events (aside from trigger events),

Natural disasters,

Acts of government,

Network outages, etc.

In such cases, Sponsor will make a good-faith decision on how to proceed.

Void Where Prohibited:

These promotions are void in any jurisdiction where they would be restricted or subject the Sponsor to additional legal requirements (such as registration or bonding) that Sponsor has not fulfilled.

Entrants are responsible for complying with local laws.

Sponsor disclaims responsibility for entrants participating from prohibited jurisdictions.

No Endorsement by Third Parties:

Any trademarks, team names (e.g., Boston Red Sox), or companies mentioned are the property of their respective owners and do not sponsor or endorse these promotions.

For example, the Red Sox promotion is not affiliated with the Boston Red Sox or MLB.

Visa is not a sponsor of the gift card prizes.

Disputes:

Governing Law: Promotions are governed by the laws of the Commonwealth of Massachusetts and the United States, without regard to conflict of law principles.

Jurisdiction: Entrants agree that any legal disputes or claims arising out of or related to the promotions (except for small claims) shall be brought in the federal or state courts in Suffolk County, Massachusetts. Entrants consent to the jurisdiction of such courts.

Remedies: All claims are limited to actual out-of-pocket costs incurred (if any) in entering the promotion.

No participant is entitled to attorneys’ fees or punitive, incidental, or consequential damages.

No Class Action: Entrants agree disputes will be resolved individually, not as part of a class action. Jury trial rights are waived to the extent permitted by law.

Compliance with Law:

Promotions are conducted in compliance with all applicable laws and regulations, including Massachusetts consumer protection and sweepstakes laws.

These Official Rules are intended to disclose all material terms clearly.

Winners List:

For a list of winners, send a self-addressed, stamped envelope specifying the promotion and month/year (if applicable) to:

Boston DPA Consulting Promotions – Winners List, [Address].

Requests must be received within 60 days after the relevant drawing or promotion ends.

Alternatively, Sponsor may post winners (first name, last initial, and state) on its website or social media once confirmed.

Sponsor:

Boston DPA Consulting, LLC, [Address], Boston, MA.

End of Official Rules