I believe you're incorrect Hey2. The consideration in this case is the purchase of the item in the first place. It works like this: You buy whatever within the alotted time before Halloween (offers such as these usually require the purchase to take place as much as 10 days prior to the day in question). Then if the triggering event occurs, you are refunded for the purchase. Hence the purchase itself is the consideration for this contract. A local jewelry store around here does it something similar for Christmas and 6 inches of snow. You might also be interested to know that in most of these deals, the company in question does not pay the money themselves. These things are funded by insurance policies, much like those used for Hole-In-One for a car or cash contests.