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1. Eligibility: Sweepstakes (the “Sweepstakes”) is open only to those who sign up at the online Sweepstakes page and who are 18 years old as of the date of entry. The Sweepstakes is only open to legal residents of the United States and is void where prohibited by law. Employees of TFA Benefits (the “Sponsor”) their respective affiliates, subsidiaries, advertising and promotion agencies, suppliers and their immediate family members and/or those living in the same household of each are not eligible to participate in the Sweepstakes. The Sweepstakes is subject to all applicable federal, state and local laws and regulations. Void where prohibited.

2. Agreement to Rules: By participating, you agree to be fully unconditionally bound by these Rules, and you represent and warrant that you meet the eligibility requirements set forth herein. In addition, you agree to accept the decisions of TFA Benefits (HealthyWinnings), as final and binding as it relates to the content. The Sweepstakes is subject to all applicable federal, state and local laws.

3. Sweepstakes Period: Entries will be accepted online starting on or about November 1, 2015 and ending January 31, 2016. All online entries must be received by January 31, 2016 at 11:59PM EST.

4. How to Enter: The Sweepstakes must be entered by submitting an entry using the online form provided on this Sweepstakes site ( The entry must fulfill all Sweepstakes requirements, as specified, to be eligible to win the prize. Entries that are not complete or do not adhere to the rules or specifications may be disqualified at the sole discretion of TFA Benefits. Participants may enter only once and must fill in the information requested. Participant may not enter more times than indicated by using multiple email addresses, identities or devices in an attempt to circumvent the rules. If a participant uses fraudulent methods or otherwise attempts to circumvent the rules they may be disqualified and their submission may be removed from eligibility at the sole discretion of TFA Benefits.

5. Prize: Consumer Disclosure. One (1) winner will receive a single $500 cash prize. The odds of winning will vary depending on the number of eligible entries received (1 in the total number of eligible entries). The prize is nontransferable. Any and all prize related expenses, including without limitation any and all federal, state, and/or local taxes shall be the sole responsibility of the winner. No substitution of prize or transfer/assignment of prize to others. Acceptance of prize constitutes winner’s consent and permission for TFA Benefits (HealthyWinnings) to use winner's name, likeness, and entry for purposes of advertising and trade without further compensation, unless prohibited by law.

6. Winner selection and notification: The winner of the Sweepstakes will be selected in a random drawing on February 10, 2016 under the supervision of the Sponsor. The winner will be notified via email sent to the email address they entered the Sweepstakes with within five (5) business days following the winner selection. TFA Benefits (HealthyWinnings) shall have no liability for a winner's failure to receive notices due to winners' spam, junk e-mail or other security settings or for winners' provision of incorrect or otherwise non-functioning contact information. If the selected winner cannot be contacted, is ineligible, fails to claim the prize within 15 days from the time award notification was sent, or fails to timely return a completed and executed declaration and releases if and as required, the prize may be forfeited and an alternate winner selected.

The receipt by winner of the prize offered in this Sweepstakes is conditioned upon compliance with any and all federal and state laws and regulations. ANY VIOLATION OF THESE OFFICIAL RULES BY ANY WINNER (AT SPONSOR'S SOLE DISCRETION) WILL RESULT IN SUCH WINNER'S DISQUALIFICATION AS WINNER OF THE SWEEPSTAKES AND ALL PRIVILEGES AS WINNER WILL BE IMMEDIATELY TERMINATED.

7. Rights Granted by Participant: By entering this Sweepstakes and submission of an online entry form participant understands and acknowledges that participant is giving participant’s written consent to TFA Benefits (HealthyWinnings), anyone acting on behalf of TFA Benefits (HealthyWinnings), or its respective licensees, successors and assigns will have the right, where permitted by law, without any further notice, review or consent, to print, publish, broadcast, distribute, and use, worldwide and in any media form now known or hereafter in perpetuity and throughout the World, your entry, including, without limitation, the entry and winner's name, portrait, picture, voice, likeness, image or statements about the Sweepstakes, and biographical information as news, publicity or information and for trade, advertising, public relations and promotional purposes without any further compensation.

8. Terms: TFA Benefits (HealthyWinnings) reserves the right, in its sole discretion to cancel, terminate, modify or suspend the Sweepstakes should (in its sole discretion) a virus, bugs, non-authorized human intervention, fraud or other causes beyond its control corrupt or affect the administration, security, fairness or proper conduct of the Sweepstakes. In such case, TFA Benefits (HealthyWinnings) may select the recipients from all eligible entries received prior to and/or after (if appropriate) the action taken by TFA Benefits (HealthyWinnings). TFA Benefits (HealthyWinnings) reserves the right at its sole discretion to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the Sweepstakes or website or violates these Terms & Conditions.

TFA Benefits (HealthyWinnings) has the right, in its sole discretion, to maintain the integrity of the Sweepstakes, to void votes for any reason, including, but not limited to; multiple entries from the same user from different IP addresses; multiple entries from the same computer in excess of that allowed by these Sweepstakes rules; or the use of bots, macros or scripts or other technical means for entering.

Any attempt by an entrant to deliberately damage any web site or undermine the legitimate operation of the Sweepstakes may be a violation of criminal and civil laws and should such an attempt be made, TFA Benefits (HealthyWinnings) reserves the right to seek damages from any such person to the fullest extent permitted by law.

By entering the Sweepstakes you agree to receive email newsletters periodically from TFA Benefits (HealthyWinnings). You can opt-out of receiving this communication at any time by clicking the unsubscribe link in the newsletter.

9. Limitation of Liability: To the fullest extent allowed by law, by entering the Sweepstakes you agree to release and hold harmless TFA Benefits (HealthyWinnings) and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers and directors from any liability, illness, injury, death, loss, litigation, claim or damage that may occur, directly or indirectly, whether caused by negligence or not, from (i) such entrant's participation in the Sweepstakes and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof, (ii) technical failures of any kind, including but not limited to the malfunctioning of any computer, cable, network, hardware or software; (iii) the unavailability or inaccessibility of any transmissions or telephone or Internet service; (iv) unauthorized human intervention in any part of the entry process or the Sweepstakes; (v) electronic or human error which may occur in the administration of the Sweepstakes or the processing of entries.

10. Disputes: THIS SWEEPSTAKES IS GOVERNED BY THE LAWS OF THE COMMONWEALTH OF VIRGINIA, AND TO THE EXTENT APPLICABLE, THE UNITED STATES OF AMERICA, WITHOUT RESPECT TO, OR APPLICATION OF, ANY CONFLICT OF LAW DOCTRINES. As a condition of participating in this Sweepstakes, participant agrees that any and all disputes which cannot be resolved between the parties, and causes of action arising out of or connected with this Sweepstakes, shall be resolved individually, without resort to any form of class action, exclusively before a state or federal court located in Virginia having jurisdiction. Further, to the fullest extent allowed by law, in the event of any such dispute, under no circumstances will participant be permitted to obtain awards for, and hereby waives all rights to claim or recover any punitive, incidental, consequential damages, or attorneys' fees, and shall only be entitled to participant's proven actual monetary damages, and participant further waives all rights to have any such damages multiplied or increased.

11. Privacy Policy: Information submitted with an entry is subject to the Privacy Policy stated on the Web Site. To read the Privacy Policy, click here.

12. Winners List: To obtain a copy of the winner's name or a copy of these Official Rules, mail your request along with a stamped, self-addressed envelope to: TFA Benefits/HealthyWinnings, 397 Little Neck Road, Building 3300, Suite 108, Virginia Beach, VA 23452. Requests must be received no later than February 29, 2016.

13. Sponsor: The Sponsor of the Sweepstakes is TFA Benefits/HealthyWinnings, 397 Little Neck Road, Building 3300, Suite 108, Virginia Beach, VA 23452.