The Pet Month Giveaway (“Giveaway”) is being sponsored by The Home Loan Expert, LLC located at 1600 South Brentwood Blvd., Suite 700, St. Louis, MO 63144 (“Sponsor”). 

ELIGIBILITY: To be eligible to win the Giveaway, Entrants must be individuals who (a) are legal residents of the contiguous United States; (b) agree to be bound by the terms and conditions of these Official Rules; and (c) be 18 years of age or older as of date of entry. Employees of Sponsor and any other organizations affiliated with the Giveaway and each of their respective parents, agents, affiliates, subsidiaries and advertising and promotion agencies, and members of their immediate family (regardless of where they reside) or household members, whether or not related, are not eligible to enter or win the Giveaway. 

ENTRY PROCESS: Entrants are permitted a maximum of one (1) Entry in the Giveaway. Eligible Entrants may visit the Giveaway site, found here: and complete and submit the online entry form available there in accordance with all instructions, including providing a photograph and description of a pet (an “Entry”). Provided the Entrant is in compliance with these Official Rules, completing the form and Sponsor’s receipt of the completed online entry form will result in one (1) Entry in the Giveaway, subject to the other terms of these Official Rules. By submitting an Entry or accepting a prize, Entrant agrees to be bound by these Official Rules and the decisions of the Sponsor. Sponsor reserves the right to terminate, cancel, suspend and/or modify the Giveaway or these Official Rules without liability and without prior notice at any time, subject to state and federal law. Sponsor is not responsible for lost, misdirected, late, unsent, incomplete, illegible or unintelligible Entries or for inaccurate information, whether caused by Entrant or by the Giveaway website, equipment or programming associated with or utilized in the Entry, or by any technical or human error that may occur in the transmittal of any Entry. Sponsor reserves the right, in its sole discretion, to disqualify any individual found to be tampering with the Entry process or the operation of the Entry process; to be acting in violation of these rules; or to be acting with intent to annoy, abuse, threaten or harass any other person. Any use of robotic, automatic, programmed or similar entry methods will void all such entries submitted by such methods. 

ENTRY PERIOD: The Entry Period starts on April 1, 2022 and ends on April 11, 2022 (“Entry Period”). All Entries must be received during the Entry Period. Sponsor’s computer is the official timekeeper for the Giveaway. Odds of winning depend on the number of eligible Entries received.   

Determination and Announcement of Winners:  One potential Winner will be selected from all Entries received based on the photograph with the most “likes” at the end of the Giveaway. The potential Winner will be notified (by electronic mail, overnight courier, telephone, U.S. mail or otherwise) promptly after the drawing. The potential Winner must respond fully and accurately to Sponsor’s notification and request for contact information within a reasonable time, from time of notification, providing any proof of eligibility required by the Sponsor. Sponsor shall not be responsible for any delay or failure to receive notification for any reason, including but not limited to any issues with websites used for the entry process, an inactive email account, phone number, technical difficulties, or the failure to actively monitor any email account by Entrant. In order to claim the Prize and be declared an official Winner, the potential Winner must meet all eligibility requirements. The potential Winner may be required to provide proof of eligibility and return an executed affidavit of eligibility, release of liability, publicity release by a date certain and information for completion of a 1099 US tax form. In the event that a potential Winner is disqualified for any reason, or refuses to accept the Prize, the Prize will be awarded to an alternate Entrant, based on the next randomly selected Entry, and the same process and requirements as set forth in these Official Rules (as to a potential Winner) may be applied to any such alternate Entrant who Sponsor identifies as a potential alternate winner of the Prize. The persons designated by the Sponsor as the final winner of the Prize in this Giveaway and complying with these Rules (the "Winner") and not deemed disqualified or otherwise ineligible by Sponsor consistent with these Official Rules will be entitled to a Prize. 

The Prizes: One prize will be available to be won and awarded in this Giveaway. The Prize will consist of a $300.00 gift card (total retail value not to exceed $300.00) (the “Prize”). All taxes and any other applicable fees of any type related to receipt or use of the Prize shall be born solely by Winner. No transfer of a Prize is permitted. A Prize cannot be awarded in cash. Sponsor will not replace any lost or stolen Prize. Prize is awarded “as is” with no warranty or guarantee, either express or implied, other than any retail warranty that covers the Prize. The depiction of any Prize in any advertising or promotional materials may not reflect the actual Prize delivered to the Winner. Sponsor will determine all features of the Prize. Sponsor shall not have any responsibility or liability whatsoever for any property loss, damage, personal injury, or death, in connection with the Prize or use of the Prize provided pursuant to the Giveaway and/or any person’s participation in the Giveaway. The Winner must take delivery of the Prize by Sponsor’s designated method. Sponsor shall not be responsible for delays in delivery of the Prize, and delivery is subject to availability. Prize is subject to availability. Sponsor reserves the right to substitute any Prize for one of comparable or greater value, at its sole discretion.  

GENERAL RULES: The decisions of Sponsor are final with respect to all matters relating to this Giveaway and participants agree to be bound by these Official Rules. In no event will Sponsor be liable for more than the stated retail value of the Prize. Participation in the Giveaway constitutes permission to use Entrant’s name, likeness, voice, address (city and state), statements and/or testimonials and any submitted photographs in all media, now or hereafter known, throughout the world in perpetuity, in any manner Sponsor deems appropriate without any further compensation or notification to or permission of the respective Entrant, unless prohibited by applicable law. By entering the Giveaway you authorize the Sponsor to make use of the name, email address and cellular telephone numbers and any other information you submit to send you electronically, or in any other format, privacy policies, marketing communications, updates, information and tips relating to real estate, mortgage, financing and credit until such time (or a reasonable time thereafter) as you withdraw such authorization (e.g., by unsubscribing from such messages via an un-subscribe link in an email message you might receive). Sponsor and its respective designees remain free to contact you by email, text, phone call or otherwise, however, for any purpose relating to operation or administration of the Sweepstakes. 

LIMITATIONS OF LIABILITY: The Sponsor reserve the right to terminate, cancel, suspend and/or modify the Giveaway without liability and without prior notice. By participating in the Giveaway, Entrants agree: (a) to comply with these Official Rules and the decisions of Sponsor, which shall be binding and final in all respects; (b) to release the Sponsor and Sponsor’s employees, officers and directors, affiliated companies, parents and subsidiaries and any advertising agency or other company involved with the design, production, execution or distribution of this Giveaway from all liability, loss or damage arising out of participation in the Giveaway or in connection with the awarding, receipt, possession, use and/or misuse of any prize; (c) to be contacted by Sponsor; (d) that this Giveaway is in no way sponsored, endorsed or administered by or associated with Facebook®, Instagram® or any other social media platform and that no social media platform shall have any responsibility or liability whatsoever with respect to this Giveaway;  (e) that Sponsor does not make any warranty, representation or guarantee, express or implied, in fact or in law, relative to any Prize and disclaims all liability for the provision, quality or nature of any third-party products or services provided to the Winner. Except where prohibited, each Entrant and Winner accepting a prize agree that: (a) all issues and questions concerning these rules shall be governed by Missouri law without giving effect to any principles of conflicts of law of any jurisdiction; (b) any and all disputes, claims and causes of action at law or in equity arising out of or relating to this program or any prize awarded shall be (i) resolved individually, without resort to any form of class action; and (ii) filed only in the state courts situated in Missouri, and Entrant and Winner hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such disputes, claims or causes of action; (c) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, but in no event attorneys' fees; and (d) under no circumstances will any Entrant or Winner be permitted to obtain awards for and hereby waives all rights to claim punitive, incidental, special, consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. 

Any marks used in these Official Rules or in advertising the Giveaway are the property of their respective owners. 

Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. 

PRIVACY: The Home Loan Expert, LLC will be collecting personal data about Entrants in accordance with its privacy policy. Please review the privacy policy at By participating in the Giveaway, you hereby agree to the collection and usage of your personal information and acknowledge that you have read and accepted the privacy policy. 

WINNERS LIST: For the name of the Winner (if claimed), please send a self-addressed stamped envelope to The Home Loan Expert, LLC.