Social Financial Inc. (referred to hereafter also as “Sponsor” or “SoFi”) is solely responsible for all aspects of the SoFi x Kelsey Kreppel Spring Sweep Sweepstakes (the “Sweepstakes”).  

ENTRY PERIOD: Sweepstakes begins at 8 AM on 4/20/23 and ends at 11:59 PM ET (“Entry Period”). All entries must be received by 11:59 AM ET on 4/28/23.  

ELIGIBILITY:   To be eligible for this Sweepstakes, at the time of entry you must be: [1] a legal resident and physically located within, the  United States or the District of Columbia (except of residents of Florida);  [2] 18 years of age or older; [3] a registered user of YouTubeand its terms of use agreement; [4] not an employee of Sponsor or of its parent, subsidiary, affiliated or successor companies; the advertising, promotional or fulfillment agencies involved in this Sweepstakes (individually and collectively, “Sweepstakes Entities”); nor members of their households or immediate families and [5] willing to have your entry featured and/or published on social media or otherwise distributed, in connection with, or to promote, the Sweepstakes. “Household members” shall mean people who share the same residence at least three months a year.  “Immediate family members” shall mean parents, stepparents, children, stepchildren, siblings, step-siblings, or spouses. Void in Florida and where prohibited or restricted by law.   ENTERING THE SWEEPSTAKES:              

By entering the Sweepstakes, you are agreeing to the Rules.  All entries submitted in accordance with these Rules shall be hereinafter referred to as “Eligible Entries” and all such entries become the property of Sponsor and will not be acknowledged or returned.

  All Entries must be received during the Entry Period. Limit of one (1) Entry per person.       If you do not have a YouTube account (“Account”), visit and register for free. You must have an electronic device or mobile phone or other wireless that supports the YouTube applications. Normal Internet access and data usage charges imposed by your online and cell phone service provider will apply. Please contact your participating mobile service provider for pricing plans, participation status and details.

LIMITATIONS: By submitting an Entry  in the Sweepstakes, you represent and warrant to Sponsor that the Entry  and everything depicted therein: [1] do not originate from a website unrelated to the Sponsor, magazine, newspaper or other commercial or proprietary source; [2]  do not contain material which is (or promotes activities which are) sexually explicit, obscene, pornographic, violent (e.g., relating to murder, the sales of weapons, cruelty, abuse, etc.), discriminatory (based on race, sex, religion, national origin, physical disability, sexual orientation or age), illegal (e.g. underage drinking, substance abuse, computer hacking, etc.), offensive, threatening, profane, harassing, defamatory, libelous, infringing or otherwise objectionable or unlawful as determined by Sponsor in its sole discretion.  

Sponsor may, in its sole discretion, disqualify any Entry that Sponsor deems to be in violation of these Limitations at any time. In event of a dispute regarding the identity of the person submitting an Entry, the Entry will be deemed to be submitted by the person whose name appears on Account. Entries by any method other than set forth in the “how to enter” section are void. Any use of automated or programmed methods of spamming Entry is prohibited. Neither the Sponsor, nor any of its officers, directors, shareholders, employees, agents, artists or representatives (individually and collectively, “Releasees”) are responsible for Entries from persons residing, or physically located, outside the Territory, delayed, deleted, destroyed, forged, fraudulent, improperly accessed, inaccurate, incomplete, interrupted, irregular in any way, late, lost, misrouted, multiple, non-delivered, stolen, tampered with, unauthorized, unintelligible or otherwise not in compliance with these Rules; or for any printing, production, technical, electronic or other errors; or for lost, interrupted or  unavailable network, server or other connections; miscommunications; failed phone or computer hardware or software or telephone transmissions; technical failures; unauthorized human intervention; traffic congestion; garbled or jumbled transmissions; undeliverable emails resulting from any form of active or passive email filtering; insufficient space in entrant’s email account to receive email; or other errors of any kind, whether due to electronic, mechanical or human error or other causes; even if caused by the negligence of any of the Releasees.  

Winner may be required to show proof of being the authorized account holder of the Account associated with the Entry. Any Entrant who attempts to enter with multiple Accounts or under multiple identities will be disqualified. Sponsor is not obligated to communicate with any Entrant during the duration of the Sweepstakes. Sweepstakes is subject to all applicable federal, state, local laws and regulations. In the event of a conflict between these Rules and the terms of any social media channel, these Rules will govern.  

PRIZE, & ODDS:   One Grand Prize winner will receive: $5,000 into a SoFi Checking & Savings Account (“ARV”): $5,000.

Any depiction of prize is for illustrative purposes only. Prize is not transferable except to a surviving spouse residing in the same household. No substitution allowed except at Sponsor’s sole discretion, a prize of equal or greater value may be substituted. Sponsor will not replace any lost or stolen prize. The prize cannot be used in conjunction with any other promotion or offer. Odds of winning depend on number of eligible entries received during the Entry Period.  

WINNER SELECTION:  One winner will be selected in a random drawing from all Eligible Entries received during the Entry Period. Random drawing will be conducted on or about 4/29/23 by a representative from the Sponsor whose decisions are final.  

WINNER NOTIFICATION/VERIFICATION:  Potential winner will be notified by email or by a direct message from the Sponsor’s YouTube account to the recipient’s corresponding Account. At the sole discretion of the Sponsor, disqualification, forfeiture and the selection of an alternate winner may result from any of the following: [1] potential winner’s failure to respond to notification within two (2) days after its mailing/transmission; [2] the return of an email notification or message as undeliverable; (3) the receipt  of any other notice or an undeliverable prize; [4] potential winner’s failure to provide  Sponsor with satisfactory proof that he/she is the authorized person of the Account associated with the winning Entry; [5] potential winner’s failure to provide Sponsor with satisfactory proof of age, identity and residency; [6] if applicable, potential winner’s failure to execute and return an Affidavit of Eligibility/Liability/Publicity Release within five  (5) days after its deployment or mailing; [7] potential winner’s failure to claim prize within three  (3) days after s/he is confirmed a winner; and [8] any other non-compliance with Rules. In the event of prize forfeiture, the Sponsor may, in its sole discretion, award or not award the forfeited prize to an alternate winner.  

CONDITIONS:  By entering this Sweepstakes as an entrant, you agree, represent and warrant that: [1] you will be bound by the Rules and  SoFi’s decisions, which shall be final in all respects; [2] you release and hold harmless the Releasees, Facebook, Instagram and Twitter, from any and all liability for claims, injuries, losses or damages of any kind, including without limitation, death and bodily injury resulting in whole or in part, directly or indirectly, from the Entry, selection or use of a Entry or from the awarding, delivery, acceptance, use, misuse, possession, loss or misdirection of any prize; participation in this Sweepstakes or from any interaction with or downloading of computer Sweepstakes information; [3] the prize are awarded “AS IS” and WITHOUT WARRANTY OF ANY KIND express or implied (including, without limitation, any implied warranty of merchantability or fitness for a particular purpose); [4] a winner’s acceptance of a prize constitutes the grant to Sponsor and assigns of an unconditional right to use winner’s name, address (city and state only), voice, likeness, photograph, biographical and prize information and/or statements about the promotion for any programming. publicity, advertising and promotional purposes without additional compensation, except where prohibited by law; [5] in the event viruses, bugs, unauthorized human intervention, Acts of God, acts or regulations of any governmental or supra-national authority, war, national emergency, accident, fire, riot, strikes, lock-outs, industrial disputes, acts of terrorism or other matters beyond the Sponsor’s reasonable control, corrupt, prevent or impair the administration, security, fairness or proper play of the Sweepstakes, so that it cannot be conducted as originally planned, except where prohibited by law, Sponsor has the right, in its sole discretion, to modify the Rules or to cancel, modify, terminate or suspend the Sweepstakes; and in such event,  to select winner by such method as Sponsor in its sole discretion shall consider equitable; [6] the Releasees are not responsible for typographical or other errors in the offer or administration of the Sweepstakes, including but not limited to: errors in the advertising,  Rules, selection and announcement of the winner and distribution of the prize; [7] any portion of any prize not accepted or used by any winner will be forfeited; [8] the Releasees are not responsible for any inability of any winner to accept or use any prize (or any portion thereof) for any reason; [9) the Sponsor has the right, in its sole discretion, to disqualify any individual it suspects: to be doing any of the following: (a) tampering or attempting to tamper with the entry process or the operation of the Sweepstakes; (b) violating the Rules and/or the Sponsor’s Privacy Policy; (c) violating any other terms, conditions of use and/or general rules or guidelines of any Sweepstakes property or service or (d) acting in an unsportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person; or for any other good cause as determined solely by the Sponsor; and (10) any attempt by any individual to deliberately undermine the legitimate operation of the Sweepstakes is a violation of these Rules as well as criminal and civil laws; and should Sponsor believe or become aware that such an attempt has been, is being, or will be made, it has the right to seek remedies and damages from any responsible individuals to the fullest extent permitted by law, including without limitation criminal prosecution.  

By participating in this Sweepstakes, each Entrant expressively waives and relinquishes all rights and benefits afforded by California Civil Code 1542 and does so understanding and acknowledging the significance of this waiver. Section 1542 states as follows: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DID NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN, BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR THE RELEASED PARTIES.”  

ARBITRATION: This Sweepstakes shall be governed by and interpreted under the laws of the State of California, U.S.A., without regard to its conflicts of laws provisions. Entrant hereby agrees that any and all disputes, claims, causes of action, or controversies (“Claims”) arising out of or in connection with this Sweepstakes shall be resolved, upon the election by Entrant or Sponsor, by arbitration pursuant to this provision and the code of procedures of either the National Arbitration Forum (“NAF”) or the American Arbitration Association (“AAA”), as selected by the Entrant. IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM. FURTHER, NEITHER SPONSOR NOR ENTRANT WILL HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC OR OTHER PERSONS SIMILARLY SITUATED, OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT ENTRANT WOULD HAVE IF ENTRANT WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. ANY CLAIMS, JUDGMENTS AND/OR AWARDS SHALL BE LIMITED TO ACTUAL OUT-OF-POCKET COSTS ASSOCIATED WITH ENTERING THIS SWEEPSTAKES. ENTRANT HEREBY WAIVES ANY RIGHTS OR CLAIMS TO ATTORNEY’S FEES, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ENTRANT, WHETHER FORESEEABLE OR NOT AND WHETHER BASED ON NEGLIGENCE OR OTHERWISE. The arbitrator’s authority to resolve Claims is limited to Claims between Sponsor and Entrant alone, and the arbitrator’s authority to make awards is limited to awards to Sponsor and Entrant alone. Furthermore, claims brought by either party against the other may not be joined or consolidated in arbitration with Claims brought by or against any third party, unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration. Notwithstanding any other provision in this Agreement and without waiving either party’s right to appeal such decision, should any portion of this provision be deemed invalid or unenforceable, then the entire provision (other than this sentence) shall not apply.  

PRIVACY: By entering the Sweepstakes, the information Entrants provide may be sent to promotional partners. Entrants may be contacted by the Sponsor and/or any promotional partners with future promotional offers. Information provided by Entrants to participate in this Sweepstakes is subject to Sponsor’s privacy policy located at

SPONSOR: Social Finance, LLC, One Letterman Drive, Building A, Suite 4700, San Francisco, CA 94129.

WINNER’S LIST:  For name of winner (available after 4/29/23), send a self-addressed, stamped #10 envelope to: Winner’s List Request, 234 1st Street San Francisco CA 94105 by 5/1/23.  

This Sweepstakes is in no way sponsored, endorsed or administered by, or associated with Facebook, Instagram, or Twitter.  Any questions, comments or complaints regarding these Sweepstakes must be directed to the Sponsor.            

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