2020 Photo Calendar Contest Official Rules


The "2020 Photo Calendar CONTEST" (Contest) begins at 12:00 AM Central Daylight Time (CDT) on September 23, 2019 and ends at 11:59:59 PM CDT (Entry Deadline) on October 13, 2019 (Contest Period). By entering this Contest, entrants accept and agree to be bound by these Official Rules. Contest void where prohibited by law.

WHO MAY ENTER: Entrants must be at least 18 years of age, have valid U.S. government issued identification and valid tax identification number. Ascend’s employees, officials, and members of their immediate families and household members of each (whether related or not) are not eligible to participate in the Contest. Immediate family is defined as spouse, child, sibling, parent, grandparent, grandchild, stepparents, step-children, step-siblings, and adoptive relationships. Business entities are not eligible to participate. Contest void in Puerto Rico, U.S. territories and possessions outside of the United States, and where restricted or prohibited by law. All federal, state and local laws and regulations apply.


Landscape/cityscape photos of Tennessee. Animals, plants and landscapes; geological or climatological features. Photos including recognizable people will not be accepted.

To be eligible, a photograph must have been shot by the entrant. The contestant certifies that he/she is the sole creator and copyright owner of the submitted photograph.

Cropped photos are eligible. We do not accept digitally or otherwise significantly enhanced or altered photos. Minor adjustments, including the removal of sensor dust or scratches on scans of negatives, dodging and burning, sharpening, contrast, toning, slight color adjustment and conversion to grayscale are acceptable. If the judges determine that a photographer has altered his or her photo, they reserve the right to disqualify it.

Similarly, entrants whose photos depict other people’s work (such as sculptures, statues, paintings, and other copyrightable works) must be prepared to provide a release from the rights holder to Ascend upon request. When photographing the work of others, it must be as an object in its environment and not a full-frame close-up of another person's creation. If the entrant is unable to provide all required releases, Ascend in its sole discretion reserves the right to disqualify the submission, seek to secure the required releases, or permit the submission to remain in the Contest.

Photos that violate or infringe upon another person's rights, including but not limited to copyright, are not eligible. Photos that contain sexually explicit, nude, obscene, violent or other objectionable or inappropriate content, as determined by Ascend in its sole discretion, are ineligible.

Ethics: Entrants must disclose the circumstances under which an image was captured as well as any instructions given to a subject. The welfare of a subject and its environment must be placed ahead of the desire to capture a photograph. Upon entering the contest, entrants certify that subjects were treated with respect and dignity, and that no people, wildlife or the environment were harmed in creating a photograph. If baiting was used to attract wildlife, or special equipment such as camera traps and drones used to capture the photograph, this must be disclosed. Live baiting of wildlife is not permitted.

HOW TO ENTER: Please submit photographs and requested information online through our website at

ascend.org/2020-photo-calendar-contest. You may submit up to 5 photographs, but only one entered photo will be selected for calendar inclusion. Photographs must be landscape orientation, and submitted in .jpeg, .jpg or .tiff format, 2250x1750 at 200 PPI or larger.

We do not accept photographs submitted through the mail and do not accept more than one contestant per e-mail address. High-quality scans of non-digital photographs are acceptable. Digital photographs should be taken at the highest resolution possible. Ascend may collect a photograph’s metadata upon entry.

Photographer will retain all rights to photograph submissions. By submitting your image(s), you grant Ascend Federal Credit Union limited rights to your photograph if you are one of the 13 winners. Ascend Federal Credit union will be allowed to use the image to print the 2020 photo calendar, to use the photo to promote the current and future photo calendar competitions, and to use the photo in our quarterly newsletter. Any photograph reproduced will include a photographer credit as feasible. Ascend will not be required to pay any additional consideration or seek any additional approval in connection with such uses.

Judging Photo entries will be judged based on creativity, quality, originality, responsiveness to the prompt and overall impact. Ascend will select 13 winners. Ascend will notify winners via the contact information provided at the time of entry; Ascend may disqualify anyone who fails to respond to the notification within three (3) days. Photos will be selected by a committee of Ascend Federal Credit Union Employees to be printed in the 2020 Ascend Photo Calendar. The photos will be judged on good lighting, color, and composition. Photographer’s names will be hidden from the committee to prevent any potential conflicts of interest or bias.

PRIZE: 13Winners will have their images featured in the 2020 Ascend Photo Contest Calendar. If a Winner does not meet eligibility qualifications, a second random drawing will be held. No transfer, substitution or cash equivalent permitted by winner. Sponsor reserves the right, in its sole discretion, to substitute the Prize with one of comparable or greater value. Winner is responsible for all costs and expenses not specifically stated as being included herein including, but not limited to, taxes and all personal costs and expenses. Sponsor makes no warranties with regard to the prize package. No refund or value will be provided if a Prize is not or cannot be used or is otherwise declined.

Notification of Winners. The Winners may be announced on social media or in a press release. Winners will be notified via phone call, email or mail) within five days of the committee’s selections. If Sponsor is unable to receive personal confirmation from a Winner of being selected as a Winner within three (3) days, or if a Winner (i) is found to be ineligible, or (ii) fails to comply with the Official Rules, the Prize will be forfeited and an alternate potential winner may be selected from among all remaining eligible entries.

Publicity. Entrants also acknowledge that his/her name and likeness may be available for public viewing through Ascend’s website and all other media. By submitting an entry, Winner grants to Sponsor, its agents and others working on their behalf the right to publish the Winner’s image, name and likeness in Ascend’s advertising in any media, without additional compensation, unless otherwise prohibited by law. Ascend may use images for marketing, promotional, and display purposes on our website, social media accounts and any other promotional platforms.

Conditions of Participation and Limitations of Liability. Entrants agree to be bound by these rules and all decisions of the Sponsor, whose decisions will be final. If, for any reason, the fairness or integrity of the Contest becomes compromised, Sponsor reserves the right to terminate or modify the Contest, and to disqualify any individual who tampers with the entry process or the administration of the Contest. Each entrant agrees to release, discharge, indemnify, and hold harmless the Sponsor and its parent companies, affiliates, directors, officers, employees, and agents, from any claims due to any injuries, damages, or losses to any person (including death) or property, resulting in whole or in part from acceptance or use of the Prize, or participation in the Contest. Sponsor and its parents, subsidiaries and affiliated companies, advertising, promotion or production agencies and all of their respective officers, directors, representatives, agents and employees are not responsible for lost, late, delayed, inaccurate, incomplete, or misdirected entries, or for electronic, network or computer failures or malfunctions, lost or unavailable network connections, or failed, incomplete, garbled or delayed computer transmissions that may limit an entrant’s ability to participate in this Contest, or for other hardware, software or technical errors of any kind, including, without limitation, errors or difficulties which may occur in connection with the administration of the Contest, the processing of entries, or with respect to any Contest-related materials. Sponsor is not responsible for lost, stolen or misdirected shipments. Entrants waive any right to claim ambiguity with regard to the mechanics of the Contest or the interpretation of the Official Rules. Sponsor is not responsible for incorrect information caused by printing, technical, or human errors which may occur during the Contest. Sponsor assumes no responsibility for errors, omissions, interruptions, deletions, defects, delays, or the theft, loss, or destruction of entries. If, for any reason, the Contest is not capable of being conducted as planned because of tampering, intervention, fraud, technical failures, or any other reason (each an “Intervening Cause”), which affects the security, fairness, or proper execution of the Contest, Sponsor reserves the right to modify or cancel the Contest if prior to the end of the Contest Period, or otherwise award the Prize through a drawing from all eligible entries received which, in Sponsor’s opinion, were not affected by the Intervening Cause. All claims, judgments and awards shall be limited to actual out-of-pocket costs incurred but in no event attorney fees. Entrants waive any claim for punitive, incidental or consequential damages. With regard to the Prize awarded, Sponsor makes no express or implied warranty of merchantability or fitness for a particular purpose. Personal information provided to participate in the Contest is subject to Sponsor’s Privacy Policy found at Ascend.org and these Official Rules. Void where prohibited.

Disputes. All disputes arising under these Official Rules, or the rights and obligations related to the Contest, shall be governed by, and construed in accordance with, the laws of Tennessee, without giving effect to any choice of law or conflict of law rules, and the federal courts or state courts located within Coffee County, Tennessee, shall have exclusive jurisdiction over the matters herein.

Rules Request. A copy of these Official Rules may be obtained at Ascend Federal Credit Union’s Administration Building, Marketing Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388 or any Ascend branch, or by sending a request via email to marketing@ascendfcu.org prior to the Entry Deadline.

Winner’s List. For the name and address (city and state only) of the Winners, send a self-addressed stamped envelope postmarked by April 1, 2020 to Ascend Federal Credit Union, Marketing Dept., 520 Airpark Drive, Tullahoma, Tennessee 37388.

Sponsor. The sole sponsor of this promotion is Ascend Federal Credit Union, 520 Airpark Drive, Tullahoma, Tennessee 37388.