Finance is changing. Digital assets are moving into the mainstream, reshaping how we think about money, and bringing their features – speed, lower costs, and greater independence – to anyone with an internet connection.

Digital assets can operate outside traditional systems, giving users more direct control over their money – and by extension, their overall financial portfolio.

What Sets Crypto Apart

To think about how digital assets may fit with your broader financial goals, let’s consider what sets them apart.

•  Cryptocurrency exists entirely online and generally operates independently of a central bank or government. This can theoretically insulate it from monetary policy, interest rate changes, and inflation that affect the value of traditional currencies like the U.S. dollar.

•  The crypto market is highly speculative, largely unregulated and extremely volatile. Crypto prices are driven mainly by supply, demand, and investor sentiment, while stock prices tend to reflect company earnings, the economy, and business fundamentals. Digital assets also trade 24/7, while the New York Stock Exchange is open only six and a half hours on weekdays.

•  Crypto prices have historically shown relatively low correlation with traditional financial markets such as stocks (meaning they don’t tend to move in lockstep with the stock market), though the link has strengthened as crypto has moved further into the mainstream.

How to Think About Your Finances, Crypto and Stablecoin

Diversification is already a key investing principle: In short, it means avoiding putting all your eggs in one basket. The same idea applies when deciding whether crypto or stablecoins belong in your financial life. Rather than thinking of crypto as “all or nothing,” the real question is how much, if any, exposure makes sense for your goals and risk tolerance.

Your financial portfolio includes everything you own: Your checking and savings accounts, cash, credit cards, retirement savings, and investment accounts as well as physical assets like your car and home. If you add crypto, it becomes one more bucket.

But crypto comes with specific risks and considerations: Regulations are still evolving, much of the market remains unregulated, and price swings can be extreme. In October 2025, for example, Bitcoin, the most prominent digital currency, fell about 7% in a single day as markets reacted to news about tariffs and a government shutdown. (The S&P 500 declined far less – 2.7%.) The sharp drop triggered forced liquidations of leveraged trades, wiping out $20 billion in value.

For newcomers, this level of volatility means one thing: Start by deciding how much risk you’re willing to take, and limit your initial allocation to an amount that won’t derail your broader financial plan. Crypto may be more suitable for those who can afford to lose the allocated money in its entirety.

The high degree of volatility has also given rise to stablecoins – digital currencies pegged to traditional currencies like the U.S. dollar. Their potential for stability makes them useful for digital payments, cross-border transfers, and potential protection against local currency inflation or banking limits. For international payments and remittances, stablecoins may reduce costs and accelerate transfers. And for people in high-inflation economies, a stablecoin linked to a stronger currency may offer an alternative to local banking systems.

For U.S.-based consumers, the actionable takeaway is simpler: Stablecoins can provide a less volatile way to explore digital assets or to move money more efficiently. But they’re still part of the broader crypto ecosystem and should fit into your strategy – not replace it.

Getting Started

Getting started with digital assets can feel overwhelming, but a few rules of thumb can help:

•  Start small – you can always add to your allocation over time or set up regular purchases.

•  Research each asset carefully, considering reputation, real-world use cases, market performance, and supply.

•  Know your risk tolerance – market volatility can be a challenge for even the most seasoned investor.

•  Use a regulated, reputable platform to buy and sell.

•  And always remember, the value of digital assets is not guaranteed, and they are not insured by the Federal Deposit Insurance Corporation, meaning your crypto is not protected from losses.

SoFi is the first nationally chartered consumer bank where members can bank, borrow, invest — as well as buy, sell, and hold crypto – all in one place and on a platform they trust.

Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.

The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.

SoFi isn’t recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.

SoFi Instagram Follower Sweepstakes
Official Rules

● NO PURCHASE OR PAYMENT IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES. A PURCHASE OR PAYMENT OF ANY KIND DOES NOT INCREASE YOUR CHANCES OF WINNING.
● VOID WHERE PROHIBITED BY LAW.
● ALL DISPUTES WILL BE RESOLVED SOLELY BY BINDING ARBITRATION AND ENTRANTS WAIVE THE ABILITY TO BRING CLAIMS IN A CLASS ACTION FORMAT.
● THIS SWEEPSTAKES IS IN NO WAY SPONSORED, ENDORSED, ADMINISTERED BY, OR ASSOCIATED WITH INSTAGRAM.

BY ENTERING (OR OTHERWISE PARTICIPATING IN) THE SWEEPSTAKES, YOU AGREE TO THESE OFFICIAL RULES, WHICH ARE A BINDING CONTRACT, SO READ THEM CAREFULLY BEFORE ENTERING. WITHOUT LIMITATION, THIS CONTRACT INCLUDES INDEMNITIES TO THE SWEEPSTAKES PARTIES FROM YOU AND A LIMITATION OF YOUR RIGHTS AND REMEDIES.

1. ELIGIBILITY: The SoFi Instagram Follower Sweepstakes (“Sweepstakes”) is open only to legal residents of the fifty (50) United States and the District of Columbia who are at least eighteen (18) years of age or older as of time/date of entry. Employees, officers and directors of Social Finance LLC (“Sponsor” or “SoFi”) and its affiliates, Stadco, Realtime Media LLC (“Administrator”) and their respective parent companies, affiliates, subsidiaries, advertising, contest, fulfillment and marketing agencies (collectively, the “Sweepstakes Parties”), their immediate family members and those living in the same household as such individuals (whether legally related or not) are not eligible to participate in the Sweepstakes or win a prize. For purposes of this Sweepstakes, immediate family members are defined as spouse, partner, parents, legal guardians, in-laws, grandparents, siblings, children and grandchildren and their respective spouses, and those living in the same household shall mean people who share the same residence at least three (3) months a year, whether legally related or not. Void where prohibited by law, rule, or regulation. All federal, state, and local laws and regulations apply. By participating in the Sweepstakes, you unconditionally accept and agree to comply with and abide by these “Official Rules” and the decisions of Sponsor, including the interpretation of these Official Rules administration of the Sweepstakes, selection of the winners, and Sponsor’s exercise of discretion, which will be final, non-appealable, and binding in all respects.

2. TIMING: The Sweepstakes begins once a Sweepstakes Post is made, as further defined below, and is anticipated to be at or around 12:00 p.m. Eastern Time (“ET”) on December 1, 2025 and ends at 11:59 p.m. ET on December 15, 2025 (the “Sweepstakes Period”). The designated computer clock of the Sponsor is the official time-keeping device in the Sweepstakes.

3. HOW TO ENTER: To enter the Sweepstakes take the following steps:

i. Become a follower of the @SoFi Instagram account (“Sponsor’s Account”).

ii. During the Sweepstakes Period, find the advertised Sweepstakes post from at least one (1) of the following three (3) Instagram accounts (each, an “Instagram Account”): @your.richbff, @roger_steele, and @itserinconfortini that promotes this Sweepstakes (each, a “Sweepstakes Post”) and post a comment in response to the prompt in the Sweepstakes Post (the “Comment”). Be sure your Instagram account is set to public. While each Instagram Account will direct their audiences to follow the Sponsor’s Account in the Sweepstakes, an eligible Sweepstakes Post is only posted by the Instagram Account and the Comment must be posted to that Instagram Account’s Sweepstakes Post.

iii. Your Comment must be suitable for public viewing and must communicate messages consistent with the positive images and goodwill to which Sponsor wishes to associate. Your Comment must not include the consumption of alcohol, illegal drugs, tobacco, firearms/weapons (or the use of any of the foregoing); promote any activities that may appear unsafe or dangerous; or promote any particular political agenda or message. Do not use content, image, or video that is not your own. Any Comment that includes trademarks, logos, copyrighted materials owned by others, or any personally identifiable information may be disqualified.

By completing all the steps above, you will receive one (1) entry into the Sweepstakes for the applicable Instagram Account, subject to the limit below. All Comments must be posted by 11:59 p.m. ET on December 15, 2025 to be included in this Sweepstakes.

You must remain a follower of the @SoFi Instagram account for at least sixty (60) days after the Sweepstakes Period for winner notification purposes. NOTE: Sponsor may not receive Comments from Instagram users with “private” account settings (i.e., user has set their Instagram account so that only people the user has approved can view their posts) due to the way Instagram operates its service. Entries not received by Sponsor will not be entered into the Sweepstakes. By posting a Comment to a Sweepstakes Post as set forth above, you are confirming your acceptance of and agreement to these Official Rules.

Note: To participate and enter this Sweepstakes you will need to either visit Instagram.com or download the Instagram application from your mobile device’s app store and sign up for an Instagram account if you do not already have one. Creating an Instagram account is free. By submitting your information and creating an Instagram account, you will be required to agree to the Instagram terms of service and privacy policy. If you do not agree to Instagram’s terms of service and privacy notice, you cannot create an Instagram account or participate in this Sweepstakes. NOTE: If participating in the Sweepstakes via a mobile device, message and data rates may apply. Not all mobile telephone providers carry the service necessary to participate in this Sweepstakes. Entrants should consult their wireless provider’s pricing plans.

By entering this Sweepstakes, you acknowledge and agree that SoFi may collect and process your personal information. Your data will be directly accessible to Realtime Media for the purposes of facilitating the Sweepstakes.

The Sweepstakes Parties are not responsible for technical, electronic, telephone, hardware, software or network, computer or data transmission errors, malfunctions, or difficulties of any kind, or for false, incorrect, changed, incomplete or illegible contact information.

LIMIT: One (1) entry per person/Instagram account per Sweepstakes Post. Attempts made by the same individual to earn more than one (1) entry by using multiple or false contact information, Instagram accounts or otherwise may result in disqualification. Entries generated by script, computer programs, macro, programmed, robotic or other automated means are void and may be disqualified. Entries that are in excess of the stated limit, incomplete, illegible, corrupted, damaged, destroyed, forged, false, lost, late or misdirected, deceptive or otherwise not in compliance with the Official Rules may be disqualified from the Sweepstakes at Sponsor’s sole and absolute discretion. Those who do not follow all instructions, provide the required information as described in these Official Rules or otherwise requested by Sponsor, or abide by these Official Rules or other instructions of Sponsor may be disqualified. Entries submitted by those who do not meet the eligibility requirements (including all requirements with respect to age and residence) are void. In the event of a dispute over the identity of an entrant, entry will be deemed submitted by the registered account holder of the email address associated with the Instagram account used to post the Comment, provided that person is eligible. Each winner may be required to show proof of being the registered account holder. Registered account holder is defined as the person assigned to an email address by an Internet access provider, online service provider, or other organization responsible for assigning email addresses. In the event that a dispute regarding the identity of the individual who submitted an entry cannot be resolved to Sponsor’s satisfaction, the affected entry will be deemed ineligible.

4. SWEEPSTAKES DRAWINGS: Random drawings will ONLY occur if the @SoFi Instagram account receives 50,000 additional followers by 11:59 p.m. ET on December 15, 2025. If the @SoFi Instagram account increases by 50,000 followers by that time, then on or about December 16, 2025 the Administrator will conduct a random drawing to select one (1) potential winner per Sweepstakes Post from among all eligible entries received from among all eligible entries received for the applicable Sweepstakes Post in accordance with these Official Rules. See prize details below. Sponsor will note the number of Instagram followers as of 11:59 a.m. ET on December 1, 2025 for comparison to identify if 50,000 new follows are received.

5. ODDS: Odds of winning a prize depend on the total number of eligible entries received for the applicable Sweepstakes Post.

6. WINNER NOTIFICATION/PRIZE CLAIMING: Each potential winner will be notified through a direct message from either the Sponsor’s Account or the applicable Instagram Account on Instagram within twenty-four (24) hours of the random drawing. The Sweepstakes Parties are not responsible for and shall not be liable for false, incorrect, changed, incomplete or illegible contact information or for electronic communications that are undeliverable as a result of any form of active or passive filtering of any kind, or insufficient space in entrant’s email or other account to receive messages or late, lost, damaged, intercepted, misdirected, or unsuccessful efforts to notify a potential winner. Notification is deemed to have occurred immediately upon the sending of the direct message. A potential winner must respond to Sponsor’s notification by following the links included in the notification direct message to complete and submit a prize redemption form (“Redemption Form”) within twenty-four (24) hours. As part of the winner notification process, upon completion of the Redemption Form, the potential winner will be required to complete and sign a declaration of eligibility/release of liability/prize acceptance agreement (“Declaration”) sent via email, within twenty-four (24) hours of Sponsor’s time stamp of notification, as a condition of receiving the prize. If a potential winner cannot be contacted within a reasonable time period, if a potential winner fails to complete the Redemption Form within twenty-four (24) hours from Sponsor’s time stamp of sending, if a potential winner fails or refuses to sign and return the Declaration within the required time period, if the potential winner is ineligible, if any notification is returned as rejected, faulty, unclaimed or returned as undeliverable to potential winner, and/or if the potential winner fails to fully comply with these Official Rules or is otherwise noncompliant, the potential winner will be disqualified and an alternate will be selected, up to three (3) alternates, after which the applicable prize will remain un-awarded. The potential winner becomes the “winner” only after verification of eligibility by Sponsor.

If a winner is a resident of Alabama or Nebraska and under the age of nineteen (19) years old, a parent or legal guardian may be required to also sign the Declaration in order for the winner to be qualified to receive the prize.

No more than the stated number of prizes will be awarded. If, for any reason, more bona fide winners come forward seeking to claim prizes in excess of the number of prizes set forth in these Official Rules, the winner(s) of the advertised number of prizes available may be selected in a random drawing from among all persons making purportedly valid claims for such prize(s). Inclusion in such drawing shall be each entrant’s sole and exclusive remedy under such circumstances.

7. PRIZES/PRIZE RESTRICTIONS: The prizes to be awarded in this Sweepstakes is:

Three (3) Prizes (One [1] Per Sweepstakes Post): Each prize is ten thousand and 00/100 dollars ($10,000 USD) made payable to the winner.

The total value of all prizes available in the Sweepstakes is $30,000.

SoFi will deliver the prize winnings to the winner only by transfer to the winner’s SoFi Bank Checking & Savings account within 30 days from the day the Administrator verifies the winner. If the winner does not have a SoFi Bank Checking & Savings account, they can open an account for free on the SoFi app or at www.sofi.com for SoFi to deposit funds into the winner’s account. The winner must still have or must create a SoFi Checking & Savings account within 60 days of when the Administrator verifies the winner, in order to receive the prize or it will be forfeited. In the event the winner attempts to open a SoFi Checking & Savings account and is deemed ineligible for the account, SoFi will distribute the prize amount via check or another reasonable alternate manner at SoFi’s discretion.

Prizes are non-transferable, with no substitutions except at Sponsor’s sole and absolute discretion. All prize details not specified in these Official Rules will be determined in Sponsor’s sole and absolute discretion. Prize fulfillment details and availability are subject to change and prize provider’s rules and restrictions. Prizes 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). Each winner will be solely responsible for all federal, state and/or local taxes, and for any other fees or costs associated with the prize received. The value of each prize will be reported for tax purposes as required by law. Each winner will be required to provide Sponsor with a valid social security number before the prize will be awarded for tax reporting purposes. An IRS Form 1099 (preceded by an IRS Form W-9) will be issued in the name of the winner for the actual value of the prize received. Any unclaimed prize will be forfeited. Prizes, if legitimately claimed, will be awarded. The Sweepstakes Parties are not responsible for and will not replace any lost, mutilated, or stolen prize or any prize that is undeliverable or does not reach the winner because of an incorrect or changed address or other inaccurate information. Prizes will be fulfilled as set forth above.

8. GENERAL: Subject to applicable law, each winner hereby expressly grants to the Sweepstakes Parties and their respective successors, assigns, sublicensees and designees, the irrevocable right to use and publish his/her name, social handles, likeness (photographic or simulated), voice, biography and place of residence for all purposes, including, without limitation, advertising, marketing, promotional and publicity purposes in connection with this Sweepstakes (“Advertising”), in any and all media now or hereafter devised, worldwide, in perpetuity, without any form of notice, permission or any amount or kind of compensation, except for the awarding of the prize to such winner. All copyright, trademark or other intellectual property rights in such Advertising shall be owned by Sponsor and/or its licensors, and winner hereby disclaims and waives any claim of right to such Advertising. Such Advertising shall be solely under the control of Sponsor and/or its licensors, and each winner hereby waives any claim of control over the Advertising content as well as any possible claims of misuse of such winning recipient’s name, likeness or voice under contract, tort, or any other theory of law. The Sweepstakes Parties do not assume any responsibility for any disruption in the Sweepstakes, including, but not limited to, the failure or interruption of any social media platform or any internet service provider. In the event there is a discrepancy or inconsistency between disclosures and other statements contained in any Sweepstakes materials and the terms and conditions of these Official Rules, these Official Rules shall prevail, govern, and control. In the event Sponsor is prevented from continuing with the Sweepstakes by any event beyond its control, including, but not limited to, fire, flood, epidemic, pandemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, communications or equipment failure, utility or service interruptions, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared), interference with the Sweepstakes by any party, or any federal, state, or local government law, order, or regulation, order of any court or jurisdiction, or other cause not reasonably within Sponsor’s control (each, a “Force Majeure” event or occurrence), Sponsor shall have the right to modify, suspend or terminate the Sweepstakes or prize. Sponsor additionally reserves the right, in its sole and absolute discretion: (a) to modify, suspend or terminate the Sweepstakes should causes beyond Sponsor’s control corrupt or interfere with the administration, integrity, operation, security or proper play of the Sweepstakes; or (b) to disqualify any entrant found to be, or suspected of: (i) tampering with the entry process or the operation of the Sweepstakes; (ii) acting in violation of these Official Rules; or (iii) acting in an un-sportsmanlike manner.

9. CONDUCT: The Sweepstakes Parties are not responsible for the actions of entrants in connection with the Sweepstakes, including entrants’ attempts to circumvent the Official Rules or otherwise interfere with the administration, security, fairness, integrity, or proper conduct of the Sweepstakes. The Sweepstakes Parties reserve the right, at their sole discretion, to disqualify any individual found to be tampering with the participation process or the operation of the Sweepstakes, or to be acting in any manner deemed by the Sweepstakes Parties to be in violation of the Official Rules, or to be acting in any manner deemed by the Sweepstakes Parties to be unsportsmanlike or disruptive, or with intent to annoy, abuse, threaten or harass any other person and void all associated Entries and/or registrations. CAUTION: ANY ATTEMPT BY A USER, YOU OR ANY OTHER INDIVIDUAL TO DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES IS A VIOLATION OF CRIMINAL AND CIVIL LAWS, AND SHOULD SUCH AN ATTEMPT BE MADE, THE SWEEPSTAKES PARTIES RESERVE THE RIGHT TO SEEK DAMAGES AND OTHER REMEDIES (INCLUDING ATTORNEYS’ FEES) FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW. Sponsor reserves the right, at its sole and absolute discretion, to disqualify (or terminate the prize of) any individual who is found to be, or suspected of, acting in violation of these Official Rules, or to be acting in an unsportsmanlike, obscene, immoral or disruptive manner, or with the intent to annoy, abuse, threaten or harass any other person.

10. WAIVERS AND DISCLAIMERS: The Sweepstakes Parties assume no responsibility or liability for: (a) lost, late, stolen, undelivered, inaccurate, incomplete, delayed, misdirected, damaged or garbled registrations, entries, URLs, or emails; (b) any incorrect or inaccurate entry information, or for any faulty or failed electronic data transmissions; (c) any unauthorized access to, or theft, destruction or alteration of entries or registrations at any point in the operation of this Sweepstakes; (d) any technical malfunction, failure, error, omission, interruption, deletion, defect, delay in operation or communications line failure, regardless of cause, with regard to any equipment, systems, networks, lines, cable, satellites, servers, computers or providers utilized in any aspect of the operation of the Sweepstakes; (e) inaccessibility or unavailability of the Internet or the website or any combination thereof or for computer hardware or software malfunctions, failures or difficulties, or other errors or difficulties of any kind whether human, mechanical, electronic, computer, network, typographical, printing or otherwise relating to or in connection with the Sweepstakes, including, without limitation, errors or difficulties which may occur in connection with the administration of the Sweepstakes, the processing of entries, social networking posts, or registrations, the announcement of the prizes, or in any other Sweepstakes-related materials; or (f) any injury or damage to entrants or to any other person’s computer which may be related to or resulting from any attempt to participate in the Sweepstakes. If, for any reason, the Sweepstakes (or any part thereof) is not capable of running as planned for reasons which may include, without limitation, infection by computer virus, tampering, unauthorized intervention, fraud, technical failures, or any other causes which may corrupt or affect the administration, security, fairness, integrity or proper conduct of this Sweepstakes, then the Sweepstakes Parties reserve the right at their sole discretion to cancel, terminate, modify or suspend the Sweepstakes in whole or in part. If terminated, the Sweepstakes Parties will award the prize from among all non-suspect, eligible entries received for the Sweepstakes up to the time of such action.

11. RELEASES: All entrants, as a condition of participation in this Sweepstakes, agree to release, discharge, indemnify and hold harmless the Sweepstakes Parties, and each of their respective directors, officers, employees, agents, successors and assigns (collectively, “Released Parties”) from and against any and all liability, claims, costs (including attorneys’ fees), losses, damages, fines, or actions of any kind whatsoever for injuries, damages, or losses to persons or property which may be sustained, in whole or in part, directly or indirectly, in connection with: (i) participation in any aspect of the Sweepstakes (including travel to/from any Sweepstakes activity), (ii) the receipt, ownership, use or misuse of the prize awarded, including any travel associated with any prize, (iii) the Released Parties’ violation of rights of publicity or privacy, claims of defamation or portrayal in a false light or based on any claim of infringement of intellectual property; (iv) entrant’s registration material on any related website, or (v) any typographical, human or other error in the printing, offering, selection, operation or announcement of any Sweepstakes activity and/or prizes.

12. GOVERNING LAW AND LIMITATION OF LIABILITY: All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules or the rights and obligations of entrants, Sponsor or the Released Parties in connection with the Sweepstakes will be governed by and construed in accordance with the internal laws of the State of California, without giving effect to any choice of law or conflict of law rules or provisions that would cause the application of any other laws.

BY ENTERING THE SWEEPSTAKES, ENTRANT AGREES THAT TO THE EXTENT PERMITTED BY APPLICABLE LAW: (A) ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THE SWEEPSTAKES, OR ANY PRIZE AWARDED, WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION; (B) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS WILL BE LIMITED TO ACTUAL THIRD-PARTY, OUT-OF-POCKET COSTS INCURRED (IF ANY) NOT TO EXCEED TEN DOLLARS ($10.00), BUT IN NO EVENT WILL ATTORNEYS’ FEES BE AWARDED OR RECOVERABLE; (C) UNDER NO CIRCUMSTANCES WILL ANY ENTRANT BE PERMITTED TO OBTAIN ANY AWARD FOR, AND ENTRANT HEREBY KNOWINGLY AND EXPRESSLY WAIVES ALL RIGHTS TO SEEK, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES, LOST PROFITS AND/OR ANY OTHER DAMAGES, OTHER THAN ACTUAL OUT OF POCKET EXPENSES NOT TO EXCEED TEN DOLLARS ($10.00), AND/OR ANY RIGHTS TO HAVE DAMAGES MULTIPLIED OR OTHERWISE INCREASED; AND (D) ENTRANTS’ REMEDIES ARE LIMITED TO A CLAIM FOR MONEY DAMAGES (IF ANY) AND ENTRANT IRREVOCABLY WAIVES ANY RIGHT TO SEEK INJUNCTIVE OR EQUITABLE RELIEF. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY, SO THE ABOVE MAY NOT APPLY TO YOU.

13. ARBITRATION AND DISPUTE RESOLUTION: The parties each agree to finally settle all disputes only through arbitration; provided, however, the Sponsor shall be entitled to seek injunctive or equitable relief in the state and federal courts in the State of California, and any other court with jurisdiction over the parties. In arbitration, there is no judge or jury, and review is limited. The arbitrator’s decision and award is final and binding, with limited exceptions, and judgment on the award may be entered in any court with jurisdiction. The parties agree that, except as set forth above, any claim, suit, action or proceeding arising out of or relating to this Sweepstakes shall be resolved solely by binding arbitration before a sole arbitrator under the streamlined Arbitration Rules Procedures of JAMS Inc. (“JAMS”) or any successor to JAMS. In the event JAMS is unwilling or unable to set a hearing date within fourteen (14) days of the filing of a “Demand for Arbitration”, then either party can elect to have the arbitration administered by the American Arbitration Association (“AAA”) or any other mutually agreeable arbitration administration service. If an in-person hearing is required, then it will take place in the State of California. The federal or state law that applies to these Official Rules will also apply during the arbitration. Disputes will be arbitrated only on an individual basis and will not be consolidated with any other proceedings that involve any claims or controversy of another party, including any class actions; provided, however, if for any reason any court or arbitrator holds that this restriction is unconscionable or unenforceable, then the agreement to arbitrate doesn’t apply and the dispute must be brought in a court of competent jurisdiction in the State of California. Sponsor agrees to pay the administrative and arbitrator’s fees in order to conduct the arbitration (but specifically excluding any travel or other costs of entrant to attend the arbitration hearing). Either party may, notwithstanding this provision, bring qualifying claims in small claims court.

14. ENTRY INFORMATION AND SWEEPSTAKES COMMUNICATIONS: As a condition of entering the Sweepstakes, each entrant gives consent for Sponsor to obtain and deliver his or her name, address, and other information to third parties for the purpose of administering this Sweepstakes and to comply with applicable laws, regulations, and rules. Any information entrant provides to Sponsor may be used to communicate with entrant in relation to this Sweepstakes or on a Sweepstakes winner’s list. By participating in the Sweepstakes, entrant agrees to all of the terms and conditions of the Sponsor’s Privacy Policy, which is available at www.sofi.com/privacy-policy. In the event of any discrepancy between the Sponsor’s Privacy Policy and these Official Rules, these Official Rules shall control and govern.

15. MISCELLANEOUS: The invalidity or unenforceability of any provision of these Official Rules will not affect the validity or enforceability of any other provision. In the event that any provision of the Official Rules is determined to be invalid or otherwise unenforceable or illegal, the other provisions will remain in effect and will be construed in accordance with their terms as if the invalid or illegal provision were not contained herein. Sponsor’s failure to enforce any term of these Official Rules will not constitute a waiver of that provision. Entrants agree to waive any rights to claim ambiguity of these Official Rules. Headings are solely for convenience of reference and will not be deemed to affect in any manner the meaning or intent of the documents or any provision hereof. In the event there is a discrepancy or inconsistency between disclosures or other statements contained in any Sweepstakes-related materials, privacy policy or terms of use on any website, social media platform or application and/or the terms and conditions of the Official Rules, the Official Rules shall prevail, govern and control and the discrepancy will be resolved in Sponsor’s sole and absolute discretion.

16. WINNERS LIST: To receive a list of the winners, send a #10 self-addressed, stamped envelope for receipt by February 13, 2026 to: SoFi Instagram Follower Sweepstakes (12117) – Winners List Request, c/o Realtime Media, 2460 General Armistead Ave, STE 209, West Norriton, PA 19403.

17. SPONSOR: Social Finance, LLC (“SoFi”) 234 First Street, San Francisco, CA 94105. Reference to third parties in connection with the prize and/or third-party websites or services are for reference and identification purposes only and not intended to suggest endorsement, sponsorship or affiliation with Sponsor or the Sweepstakes.

18. ADMINISTRATOR: Realtime Media LLC, 2460 General Armistead Ave, STE 209, West Norriton, PA 19403.