SoFi Valentine’s Day Official Rules

NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN.  

A PURCHASE WILL NOT IMPROVE YOUR CHANCE OF WINNING.

ENTRY INTO THIS SWEEPSTAKES CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES (“RULES”).  SWEEPSTAKES IS GOVERNED BY U.S. LAW AND IS SUBJECT TO ALL FEDERAL, STATE AND LOCAL LAWS, REGULATIONS, AND ORDINANCES.  

Social Financial Inc. (referred to hereafter also as “Sponsor” or “SoFi”) is solely responsible for all aspects of the SoFi Valentine’s Day Sweepstakes (the “Sweepstakes”).

ENTRY PERIOD:

Sweepstakes begins at 10 AM PT on 2/14/22 and ends at 11:59 PM PT on 2/15/22 (“Entry Period”).  All entries must be received by 11:59 PM PT on 2/15/22.

ELIGIBILITY: 

 To be eligible for this Sweepstakes, at the time of entry you must be: [1] a legal resident and physically located within, the 50 United States or the District of Columbia (collectively, “Territory”);  [2] 18 years of age or older; [3] a registered user of Twitter and 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, step-parents, children, stepchildren, siblings, step-siblings, or spouses.

HOW TO ENTER:

To enter visit https://www.twitter.com/SoFi (Sponsor’s Twitter page) and follow all onscreen instructions to enter the Sweepstakes including “retweet” or “quote retweet” or “comment” or “reply” on the Sweepstakes post or “follow” the sponsor’s Twitter page. 

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. Your Twitter Account will be referred to hereafter as “Account.”

If your Account is set to “protected or private mode,” your updates/responses will not be visible to the Sponsor and, therefore, will not be received by the Sponsor, resulting in your failure to enter the Sweepstakes. 

All Entries must be received during the Entry Period. Limit of one (1) Entry per person per Account (regardless of whether one person has more than one Account or more than one person use the same Account).

Entry or Entries must be posted by the Account holder and not a retweet or repost of other entrant’s work. Entrants retain ownership of the Entries they submit, however, by submitting an Entry, each Entrant, on behalf of him/herself grants Sweepstakes Entities and/or their agents, a perpetual, fully-paid, irrevocable, non-exclusive license to publish, reproduce, prepare derivative works of, distribute, display, exhibit, transmit, broadcast, televise, digitize, otherwise use, and permit others to use and perform throughout the world the Entry, in whole or in part, in any manner, form, or format now or hereinafter created, including on the Internet, and for any purpose, including, but not limited to, on Sweepstakes Entities’ websites and/or any other advertising or promotion of Sweepstakes Entities all without further consent from or compensation to any Entrant. By submitting an Entry, you agree that Sponsor has no obligation to post or publish your Entry, that all such postings or publication, if any, will be in Sponsor’s sole discretion and that the posting or publication of an Entry does not have any bearing on whether the Entry will be selected as a winner. Without limiting the generality of the foregoing, Entrant agrees that the Entry may be posted and shared by other others in various social media outlets and the Sweepstakes Entities are not responsible for any unauthorized use of Entries by third parties.

During the Sweepstakes Entry Period you will disclose your relationship with the Sponsor in any online posts you make which reference the #MoveOnWithSoFi hashtag by including the statement “I entered a Sweepstakes sponsored by SoFi” in any such online posts. If your Entry is determined as a winner, you will continue to disclose your relationship with the #MoveOnWithSoFi hashtag in all online posts you make that reference SoFi and/or any of its products or service(s) by including the statement “I received a prize from SoFi” in any such online posts.  Entries will not be held “in confidence” and a submission does not create a confidential relationship or obligation of secrecy between you and SoFi or any of its affiliates.

If you do not have a Twitter account https://www.twitter.com and register for free. You must have an electronic device or mobile phone or other wireless that supports the Twitter 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 infringe upon or otherwise violate any right of any person, firm or entity; [3] comply with the Rules; [4] do not contain any trademarks, logos, insignia, location signage, photographs, artwork or sculptures or other material (e.g., on props, costumes, background) that would infringe any third party’s copyrights or trademarks; [5] have not previously been submitted in a Sweepstakes or game of chance of any kind or exhibited or displayed publicly through any commercial means; [6] 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. 

You further represent and warrant to Sponsor that: [1] you have all rights, licenses, permissions and consents necessary to submit the Entry in accordance with the Rules; [2] no person or entity other than you has any right, title or interest in and to any part of the Entry ; (3) you are not subject to any agreement or arrangement that would interfere with your entering this Sweepstakes and granting all the rights granted hereunder or that would conflict with any other documentation required hereunder.. 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; or Entries that are altered, 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. 

Winners 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. Void where prohibited or restricted by law. 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.

PRIZES, THEIR CORRESPONDING APPROXIMATE RETAIL VALUES (“ARV”) & ODDS:

Ten (10) Grand Prize winners will receive: $500 worth of SoFi reward points redeemable in the SoFi app (“ARV”): $500  Maximum ARV of all prizes: $5,000 in reward points. 

$500 worth of SoFi Rewards Points to winner’s SoFi Member’s Rewards account. SoFi Reward Points may be redeemed for $.01 each into SoFi Money, SoFi Invest, or eligible SoFi loans or for $0.005 for SoFi credit card statement credit and are subject to the terms governing the SoFi Reward Points program, including any pending and/or verification period stipulated by Sponsor. Winner can redeem SoFi Rewards Points through the SoFi mobile phone app. Rewards Points may be redeemed: (I) for any promotional offer listed on the "Redeem Points" page, or (ii) for cash deposited into winner’s SoFi Money Account, shares (fractional or whole shares) credited to your SoFi Invest Account, or cash applied to the outstanding balance of your SoFi Student Loan Refinance or SoFi Personal Loan. Winner cannot redeem SoFi Rewards Points if his or her SoFi Credit Card Account is cancelled or past due. Prizes are not transferable except to a surviving spouse residing in the same household. No substitution allowed except at Sponsor’s sole discretion. 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:

Winners will be selected in a random drawing from all Eligible Entries received during the Entry Period. Random drawing will be conducted on or about 2/15/22 by a representative from the Sponsor whose decisions are final. 

WINNER NOTIFICATION/VERIFICATION: 

Potential winners will be notified by a Twitter comment or a Twitter direct message from the Sponsor’s Twitter 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 one (1) day 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 two  (2) 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, 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] 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; [4] 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 winners by such method as Sponsor in its sole discretion shall consider equitable; [5] 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 winners and distribution of the prizes; [6] any portion of any prize not accepted or used by any winner will be forfeited; [7] the Releasees are not responsible for any inability of any winner to accept or use any prize (or any portion thereof) for any reason; [8] 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 (9) 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.

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 www.sofi.com/privacy-policy. 

SPONSOR:

Social Finance, LLC, 234 1st. Street, San Francisco CA 94103

WINNERS LIST: 

For names of winners (available after 2/28/22), send a self-addressed, stamped #10 envelope by 2/28/22 to: SoFi Valentine’s Day Sweepstakes Winner List.  234 1st. Street, San Francisco CA 94103.

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

SoFi Pre-Game Announcement Sweepstakes Official Rules

NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN.  

A PURCHASE WILL NOT IMPROVE YOUR CHANCE OF WINNING.

ENTRY INTO THIS SWEEPSTAKES CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES (“RULES”).  SWEEPSTAKES IS GOVERNED BY U.S. LAW AND IS SUBJECT TO ALL FEDERAL, STATE AND LOCAL LAWS, REGULATIONS, AND ORDINANCES.  

Social Financial Inc. (referred to hereafter also as “Sponsor” or “SoFi”) is solely responsible for all aspects of the Pre-Game Announcement Sweepstakes (the “Sweepstakes”).

ENTRY PERIOD:

Sweepstakes begins at 10 AM PT on 2/13/22 and ends at 11:59 PM PT on 2/13/22 (“Entry Period”).  All entries must be received by 11:59 PM PT on 2/13/22.

ELIGIBILITY:   

To be eligible for this Sweepstakes, at the time of entry you must be: [1] a legal resident and physically located within, the 50 United States or the District of Columbia (collectively, “Territory”);  [2] 18 years of age or older; [3] a registered user of Twitter and 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, step-parents, children, stepchildren, siblings, step-siblings, or spouses.

HOW TO ENTER:

To enter visit https://www.twitter.com/SoFi (Sponsor’s Twitter page) and follow all onscreen instructions to enter the Sweepstakes including “retweet” or “quote retweet” or “comment” or “reply” on the Sweepstakes post or “follow” the sponsor’s Twitter page. 

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. Your Twitter Account will be referred to hereafter as “Account.”

If your Account is set to “protected or private mode,” your updates/responses will not be visible to the Sponsor and, therefore, will not be received by the Sponsor, resulting in your failure to enter the Sweepstakes. 

All Entries must be received during the Entry Period. Limit of one (1) Entry per person per Account (regardless of whether one person has more than one Account or more than one person use the same Account).

Entry or Entries must be posted by the Account holder and not a retweet or repost of other entrant’s work. Entrants retain ownership of the Entries they submit, however, by submitting an Entry, each Entrant, on behalf of him/herself grants Sweepstakes Entities and/or their agents, a perpetual, fully-paid, irrevocable, non-exclusive license to publish, reproduce, prepare derivative works of, distribute, display, exhibit, transmit, broadcast, televise, digitize, otherwise use, and permit others to use and perform throughout the world the Entry, in whole or in part, in any manner, form, or format now or hereinafter created, including on the Internet, and for any purpose, including, but not limited to, on Sweepstakes Entities’ websites and/or any other advertising or promotion of Sweepstakes Entities all without further consent from or compensation to any Entrant. By submitting an Entry, you agree that Sponsor has no obligation to post or publish your Entry, that all such postings or publication, if any, will be in Sponsor’s sole discretion and that the posting or publication of an Entry does not have any bearing on whether the Entry will be selected as a winner. Without limiting the generality of the foregoing, Entrant agrees that the Entry may be posted and shared by other others in various social media outlets and the Sweepstakes Entities are not responsible for any unauthorized use of Entries by third parties.

During the Sweepstakes Entry Period you will disclose your relationship with the Sponsor in any online posts you make which reference the #MoveOnWithSoFi hashtag by including the statement “I entered a Sweepstakes sponsored by SoFi” in any such online posts. If your Entry is determined as a winner, you will continue to disclose your relationship with the #MoveOnWithSoFi hashtag in all online posts you make that reference SoFi and/or any of its products or service(s) by including the statement “I received a prize from SoFi” in any such online posts.  Entries will not be held “in confidence” and a submission does not create a confidential relationship or obligation of secrecy between you and SoFi or any of its affiliates.

If you do not have a Twitter account https://www.twitter.com and register for free. You must have an electronic device or mobile phone or other wireless that supports the Twitter 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 infringe upon or otherwise violate any right of any person, firm or entity; [3] comply with the Rules; [4] do not contain any trademarks, logos, insignia, location signage, photographs, artwork or sculptures or other material (e.g., on props, costumes, background) that would infringe any third party’s copyrights or trademarks; [5] have not previously been submitted in a Sweepstakes or game of chance of any kind or exhibited or displayed publicly through any commercial means; [6] 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. 

You further represent and warrant to Sponsor that: [1] you have all rights, licenses, permissions and consents necessary to submit the Entry in accordance with the Rules; [2] no person or entity other than you has any right, title or interest in and to any part of the Entry ; (3) you are not subject to any agreement or arrangement that would interfere with your entering this Sweepstakes and granting all the rights granted hereunder or that would conflict with any other documentation required hereunder.. 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; or Entries that are altered, 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. 

Winners 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. Void where prohibited or restricted by law. 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.

PRIZES, THEIR CORRESPONDING APPROXIMATE RETAIL VALUES (“ARV”) & ODDS:

Fifty (50) Grand Prize winners will receive: $100 worth of SoFi reward points redeemable in the SoFi app (“ARV”): $100  Maximum ARV of all prizes: $5,000 in reward points. 

$100 worth of SoFi Rewards Points to winner’s SoFi Member’s Rewards account. SoFi Reward Points may be redeemed for $.01 each into SoFi Money, SoFi Invest, or eligible SoFi loans or for $0.005 for SoFi credit card statement credit and are subject to the terms governing the SoFi Reward Points program, including any pending and/or verification period stipulated by Sponsor. Winner can redeem SoFi Rewards Points through the SoFi mobile phone app. Rewards Points may be redeemed: (I) for any promotional offer listed on the Redeem Points page, or (ii) for cash deposited into winner’s SoFi Money Account, shares (fractional or whole shares) credited to your SoFi Invest Account, or cash applied to the outstanding balance of your SoFi Student Loan Refinance or SoFi Personal Loan. Winner cannot redeem SoFi Rewards Points if his or her SoFi Credit Card Account is cancelled or past due. Prizes are not transferable except to a surviving spouse residing in the same household. No substitution allowed except at Sponsor’s sole discretion. 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:

Winners will be selected in a random drawing from all Eligible Entries received during the Entry Period. Random drawing will be conducted on or about 2/14/22 by a representative from the Sponsor whose decisions are final. 

WINNER NOTIFICATION/VERIFICATION: 

Potential winners will be notified by a Twitter comment or a Twitter direct message from the Sponsor’s Twitter 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 one (1) day 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 two  (2) 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, 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] 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; [4] 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 winners by such method as Sponsor in its sole discretion shall consider equitable; [5] 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 winners and distribution of the prizes; [6] any portion of any prize not accepted or used by any winner will be forfeited; [7] the Releasees are not responsible for any inability of any winner to accept or use any prize (or any portion thereof) for any reason; [8] 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 (9) 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.

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 www.sofi.com/privacy-policy. 

SPONSOR:

Social Finance, LLC, 234 1st. Street, San Francisco CA 94103

WINNERS LIST: 

For names of winners (available after 2/28/22), send a self-addressed, stamped #10 envelope by 2/28/22 to: SoFi Pre-Game Announcement Sweepstakes Winner List.  234 1st. Street, San Francisco CA 94103.

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

SoFi App Challenge Sweepstakes Official Rules

NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN.  

A PURCHASE WILL NOT IMPROVE YOUR CHANCE OF WINNING.

ENTRY INTO THIS SWEEPSTAKES CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES (“RULES”).  SWEEPSTAKES IS GOVERNED BY U.S. LAW AND IS SUBJECT TO ALL FEDERAL, STATE AND LOCAL LAWS, REGULATIONS, AND ORDINANCES.  

Social Financial Inc. (referred to hereafter also as “Sponsor” or “SoFi”) is solely responsible for all aspects of the SoFi App Challenge Sweepstakes (the “Sweepstakes”).

ENTRY PERIOD:

Sweepstakes begins at 10 AM PT on 2/13/22 and ends at 11:59 PM PT on 2/13/22 (“Entry Period”).  All entries must be received by 11:59 PM PT on 2/13/22.

ELIGIBILITY: 

 To be eligible for this Sweepstakes, at the time of entry you must be: [1] a legal resident and physically located within, the 50 United States or the District of Columbia (collectively, “Territory”);  [2] 18 years of age or older; [3] a registered user of Twitter and 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, step-parents, children, stepchildren, siblings, step-siblings, or spouses.

HOW TO ENTER:

To enter visit https://www.twitter.com/SoFi (Sponsor’s Twitter page) and follow all onscreen instructions to enter the Sweepstakes including “retweet” or “quote retweet” or “comment” or “reply” on the Sweepstakes post or “follow” the sponsor’s Twitter page. 

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. Your Twitter Account will be referred to hereafter as “Account.”

If your Account is set to “protected or private mode,” your updates/responses will not be visible to the Sponsor and, therefore, will not be received by the Sponsor, resulting in your failure to enter the Sweepstakes. 

All Entries must be received during the Entry Period. Limit of one (1) Entry per person per Account (regardless of whether one person has more than one Account or more than one person use the same Account).

Entry or Entries must be posted by the Account holder and not a retweet or repost of other entrant’s work. Entrants retain ownership of the Entries they submit, however, by submitting an Entry, each Entrant, on behalf of him/herself grants Sweepstakes Entities and/or their agents, a perpetual, fully-paid, irrevocable, non-exclusive license to publish, reproduce, prepare derivative works of, distribute, display, exhibit, transmit, broadcast, televise, digitize, otherwise use, and permit others to use and perform throughout the world the Entry, in whole or in part, in any manner, form, or format now or hereinafter created, including on the Internet, and for any purpose, including, but not limited to, on Sweepstakes Entities’ websites and/or any other advertising or promotion of Sweepstakes Entities all without further consent from or compensation to any Entrant. By submitting an Entry, you agree that Sponsor has no obligation to post or publish your Entry, that all such postings or publication, if any, will be in Sponsor’s sole discretion and that the posting or publication of an Entry does not have any bearing on whether the Entry will be selected as a winner. Without limiting the generality of the foregoing, Entrant agrees that the Entry may be posted and shared by other others in various social media outlets and the Sweepstakes Entities are not responsible for any unauthorized use of Entries by third parties.

During the Sweepstakes Entry Period you will disclose your relationship with the Sponsor in any online posts you make which reference the #MoveOnWithSoFi hashtag by including the statement “I entered a Sweepstakes sponsored by SoFi” in any such online posts. If your Entry is determined as a winner, you will continue to disclose your relationship with the #MoveOnWithSoFi hashtag in all online posts you make that reference SoFi and/or any of its products or service(s) by including the statement “I received a prize from SoFi” in any such online posts.  Entries will not be held “in confidence” and a submission does not create a confidential relationship or obligation of secrecy between you and SoFi or any of its affiliates.

If you do not have a Twitter account https://www.twitter.com and register for free. You must have an electronic device or mobile phone or other wireless that supports the Twitter 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 infringe upon or otherwise violate any right of any person, firm or entity; [3] comply with the Rules; [4] do not contain any trademarks, logos, insignia, location signage, photographs, artwork or sculptures or other material (e.g., on props, costumes, background) that would infringe any third party’s copyrights or trademarks; [5] have not previously been submitted in a Sweepstakes or game of chance of any kind or exhibited or displayed publicly through any commercial means; [6] 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. 

You further represent and warrant to Sponsor that: [1] you have all rights, licenses, permissions and consents necessary to submit the Entry in accordance with the Rules; [2] no person or entity other than you has any right, title or interest in and to any part of the Entry ; (3) you are not subject to any agreement or arrangement that would interfere with your entering this Sweepstakes and granting all the rights granted hereunder or that would conflict with any other documentation required hereunder.. 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; or Entries that are altered, 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. 

Winners 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. Void where prohibited or restricted by law. 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.

PRIZES, THEIR CORRESPONDING APPROXIMATE RETAIL VALUES (“ARV”) & ODDS:

Ten (10) Grand Prize winners will receive: $500 worth of SoFi reward points redeemable in the SoFi app (“ARV”): $500  Maximum ARV of all prizes: $5,000 in reward points. 

$500 worth of SoFi Rewards Points to winner’s SoFi Member’s Rewards account. SoFi Reward Points may be redeemed for $.01 each into SoFi Money, SoFi Invest, or eligible SoFi loans or for $0.005 for SoFi credit card statement credit and are subject to the terms governing the SoFi Reward Points program, including any pending and/or verification period stipulated by Sponsor. Winner can redeem SoFi Rewards Points through the SoFi mobile phone app. Rewards Points may be redeemed: (I) for any promotional offer listed on the "Redeem Points" page, or (ii) for cash deposited into winner’s SoFi Money Account, shares (fractional or whole shares) credited to your SoFi Invest Account, or cash applied to the outstanding balance of your SoFi Student Loan Refinance or SoFi Personal Loan. Winner cannot redeem SoFi Rewards Points if his or her SoFi Credit Card Account is cancelled or past due. Prizes are not transferable except to a surviving spouse residing in the same household. No substitution allowed except at Sponsor’s sole discretion. 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:

Winners will be selected in a random drawing from all Eligible Entries received during the Entry Period. Random drawing will be conducted on or about 2/14/22 by a representative from the Sponsor whose decisions are final. 

WINNER NOTIFICATION/VERIFICATION: 

Potential winners will be notified by a Twitter comment or a Twitter direct message from the Sponsor’s Twitter 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 one (1) day 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 two  (2) 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, 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] 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; [4] 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 winners by such method as Sponsor in its sole discretion shall consider equitable; [5] 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 winners and distribution of the prizes; [6] any portion of any prize not accepted or used by any winner will be forfeited; [7] the Releasees are not responsible for any inability of any winner to accept or use any prize (or any portion thereof) for any reason; [8] 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 (9) 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.

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 www.sofi.com/privacy-policy. 

SPONSOR:

Social Finance, LLC, 234 1st. Street, San Francisco CA 94103

WINNERS LIST: 

For names of winners (available after 2/28/22), send a self-addressed, stamped #10 envelope by 2/28/22 to: SoFi App Challenge Sweepstakes Winner List.  234 1st. Street, San Francisco CA 94103.

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

SoFi Tell Us Sweepstakes Official Rules

NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN.  

A PURCHASE WILL NOT IMPROVE YOUR CHANCE OF WINNING.

ENTRY INTO THIS SWEEPSTAKES CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES (“RULES”).  SWEEPSTAKES IS GOVERNED BY U.S. LAW AND IS SUBJECT TO ALL FEDERAL, STATE AND LOCAL LAWS, REGULATIONS, AND ORDINANCES.  

Social Financial Inc. (referred to hereafter also as “Sponsor” or “SoFi”) is solely responsible for all aspects of the SoFi Tell Us Sweepstakes (the “Sweepstakes”).

ENTRY PERIOD:

Sweepstakes begins at 10 AM PT on 2/13/22 and ends at 11:59 PM PT on 2/13/22 (“Entry Period”).  All entries must be received by 11:59 PM PT on 2/13/22.

ELIGIBILITY:   

To be eligible for this Sweepstakes, at the time of entry you must be: [1] a legal resident and physically located within, the 50 United States or the District of Columbia (collectively, “Territory”);  [2] 18 years of age or older; [3] a registered user of Twitter and 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, step-parents, children, stepchildren, siblings, step-siblings, or spouses.

HOW TO ENTER:

To enter visit https://www.twitter.com/SoFi (Sponsor’s Twitter page) and follow all onscreen instructions to enter the Sweepstakes including “retweet” or “quote retweet” or “comment” or “reply” on the Sweepstakes post or “follow” the sponsor’s Twitter page. 

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. Your Twitter Account will be referred to hereafter as “Account.”

If your Account is set to “protected or private mode,” your updates/responses will not be visible to the Sponsor and, therefore, will not be received by the Sponsor, resulting in your failure to enter the Sweepstakes. 

All Entries must be received during the Entry Period. Limit of one (1) Entry per person per Account (regardless of whether one person has more than one Account or more than one person use the same Account).

Entry or Entries must be posted by the Account holder and not a retweet or repost of other entrant’s work. Entrants retain ownership of the Entries they submit, however, by submitting an Entry, each Entrant, on behalf of him/herself grants Sweepstakes Entities and/or their agents, a perpetual, fully-paid, irrevocable, non-exclusive license to publish, reproduce, prepare derivative works of, distribute, display, exhibit, transmit, broadcast, televise, digitize, otherwise use, and permit others to use and perform throughout the world the Entry, in whole or in part, in any manner, form, or format now or hereinafter created, including on the Internet, and for any purpose, including, but not limited to, on Sweepstakes Entities’ websites and/or any other advertising or promotion of Sweepstakes Entities all without further consent from or compensation to any Entrant. By submitting an Entry, you agree that Sponsor has no obligation to post or publish your Entry, that all such postings or publication, if any, will be in Sponsor’s sole discretion and that the posting or publication of an Entry does not have any bearing on whether the Entry will be selected as a winner. Without limiting the generality of the foregoing, Entrant agrees that the Entry may be posted and shared by other others in various social media outlets and the Sweepstakes Entities are not responsible for any unauthorized use of Entries by third parties.

During the Sweepstakes Entry Period you will disclose your relationship with the Sponsor in any online posts you make which reference the #MoveOnWithSoFi hashtag by including the statement “I entered a Sweepstakes sponsored by SoFi” in any such online posts. If your Entry is determined as a winner, you will continue to disclose your relationship with the #MoveOnWithSoFi hashtag in all online posts you make that reference SoFi and/or any of its products or service(s) by including the statement “I received a prize from SoFi” in any such online posts.  Entries will not be held “in confidence” and a submission does not create a confidential relationship or obligation of secrecy between you and SoFi or any of its affiliates.

If you do not have a Twitter account https://www.twitter.com and register for free. You must have an electronic device or mobile phone or other wireless that supports the Twitter 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 infringe upon or otherwise violate any right of any person, firm or entity; [3] comply with the Rules; [4] do not contain any trademarks, logos, insignia, location signage, photographs, artwork or sculptures or other material (e.g., on props, costumes, background) that would infringe any third party’s copyrights or trademarks; [5] have not previously been submitted in a Sweepstakes or game of chance of any kind or exhibited or displayed publicly through any commercial means; [6] 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. 

You further represent and warrant to Sponsor that: [1] you have all rights, licenses, permissions and consents necessary to submit the Entry in accordance with the Rules; [2] no person or entity other than you has any right, title or interest in and to any part of the Entry ; (3) you are not subject to any agreement or arrangement that would interfere with your entering this Sweepstakes and granting all the rights granted hereunder or that would conflict with any other documentation required hereunder.. 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; or Entries that are altered, 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. 

Winners 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. Void where prohibited or restricted by law. 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.

PRIZES, THEIR CORRESPONDING APPROXIMATE RETAIL VALUES (“ARV”) & ODDS:

Ten (10) Grand Prize winners will receive: $200 worth of SoFi reward points redeemable in the SoFi app (“ARV”): $200  Maximum ARV of all prizes: $2,000 in reward points. 

$200 worth of SoFi Rewards Points to winner’s SoFi Member’s Rewards account. SoFi Reward Points may be redeemed for $.01 each into SoFi Money, SoFi Invest, or eligible SoFi loans or for $0.005 for SoFi credit card statement credit and are subject to the terms governing the SoFi Reward Points program, including any pending and/or verification period stipulated by Sponsor. Winner can redeem SoFi Rewards Points through the SoFi mobile phone app. Rewards Points may be redeemed: (I) for any promotional offer listed on the "Redeem Points" page, or (ii) for cash deposited into winner’s SoFi Money Account, shares (fractional or whole shares) credited to your SoFi Invest Account, or cash applied to the outstanding balance of your SoFi Student Loan Refinance or SoFi Personal Loan. Winner cannot redeem SoFi Rewards Points if his or her SoFi Credit Card Account is cancelled or past due. Prizes are not transferable except to a surviving spouse residing in the same household. No substitution allowed except at Sponsor’s sole discretion. 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:

Winners will be selected in a random drawing from all Eligible Entries received during the Entry Period. Random drawing will be conducted on or about 2/14/22 by a representative from the Sponsor whose decisions are final. 

WINNER NOTIFICATION/VERIFICATION: 

Potential winners will be notified by a Twitter comment or a Twitter direct message from the Sponsor’s Twitter 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 one (1) day 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 two  (2) 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, 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] 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; [4] 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 winners by such method as Sponsor in its sole discretion shall consider equitable; [5] 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 winners and distribution of the prizes; [6] any portion of any prize not accepted or used by any winner will be forfeited; [7] the Releasees are not responsible for any inability of any winner to accept or use any prize (or any portion thereof) for any reason; [8] 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 (9) 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.

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 www.sofi.com/privacy-policy. 

SPONSOR:

Social Finance, LLC, 234 1st. Street, San Francisco CA 94103

WINNERS LIST: 

For names of winners (available after 2/28/22), send a self-addressed, stamped #10 envelope by 2/28/22 to: SoFi Tell Us Sweepstakes Winner List.  234 1st. Street, San Francisco CA 94103.

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

SoFi Halftime Sweepstakes Official Rules

NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN.  

A PURCHASE WILL NOT IMPROVE YOUR CHANCE OF WINNING.

ENTRY INTO THIS SWEEPSTAKES CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES (“RULES”).  SWEEPSTAKES IS GOVERNED BY U.S. LAW AND IS SUBJECT TO ALL FEDERAL, STATE AND LOCAL LAWS, REGULATIONS, AND ORDINANCES.  

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

ENTRY PERIOD:

Sweepstakes begins at 10 AM PT on 2/13/22 and ends at 11:59 PM PT on 2/13/22 (“Entry Period”).  All entries must be received by 11:59 PM PT on 2/13/22.

ELIGIBILITY: 

 To be eligible for this Sweepstakes, at the time of entry you must be: [1] a legal resident and physically located within, the 50 United States or the District of Columbia (collectively, “Territory”);  [2] 18 years of age or older; [3] a registered user of Twitter and 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, step-parents, children, stepchildren, siblings, step-siblings, or spouses.

HOW TO ENTER:

To enter visit https://www.twitter.com/SoFi (Sponsor’s Twitter page) and follow all onscreen instructions to enter the Sweepstakes including “retweet” or “quote retweet” or “comment” or “reply” on the Sweepstakes post or “follow” the sponsor’s Twitter page. 

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. Your Twitter Account will be referred to hereafter as “Account.”

If your Account is set to “protected or private mode,” your updates/responses will not be visible to the Sponsor and, therefore, will not be received by the Sponsor, resulting in your failure to enter the Sweepstakes. 

All Entries must be received during the Entry Period. Limit of one (1) Entry per person per Account (regardless of whether one person has more than one Account or more than one person use the same Account).

Entry or Entries must be posted by the Account holder and not a retweet or repost of other entrant’s work. Entrants retain ownership of the Entries they submit, however, by submitting an Entry, each Entrant, on behalf of him/herself grants Sweepstakes Entities and/or their agents, a perpetual, fully-paid, irrevocable, non-exclusive license to publish, reproduce, prepare derivative works of, distribute, display, exhibit, transmit, broadcast, televise, digitize, otherwise use, and permit others to use and perform throughout the world the Entry, in whole or in part, in any manner, form, or format now or hereinafter created, including on the Internet, and for any purpose, including, but not limited to, on Sweepstakes Entities’ websites and/or any other advertising or promotion of Sweepstakes Entities all without further consent from or compensation to any Entrant. By submitting an Entry, you agree that Sponsor has no obligation to post or publish your Entry, that all such postings or publication, if any, will be in Sponsor’s sole discretion and that the posting or publication of an Entry does not have any bearing on whether the Entry will be selected as a winner. Without limiting the generality of the foregoing, Entrant agrees that the Entry may be posted and shared by other others in various social media outlets and the Sweepstakes Entities are not responsible for any unauthorized use of Entries by third parties.

During the Sweepstakes Entry Period you will disclose your relationship with the Sponsor in any online posts you make which reference the #MoveOnWithSoFi hashtag by including the statement “I entered a Sweepstakes sponsored by SoFi” in any such online posts. If your Entry is determined as a winner, you will continue to disclose your relationship with the #MoveOnWithSoFi hashtag in all online posts you make that reference SoFi and/or any of its products or service(s) by including the statement “I received a prize from SoFi” in any such online posts.  Entries will not be held “in confidence” and a submission does not create a confidential relationship or obligation of secrecy between you and SoFi or any of its affiliates.

If you do not have a Twitter account https://www.twitter.com and register for free. You must have an electronic device or mobile phone or other wireless that supports the Twitter 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 infringe upon or otherwise violate any right of any person, firm or entity; [3] comply with the Rules; [4] do not contain any trademarks, logos, insignia, location signage, photographs, artwork or sculptures or other material (e.g., on props, costumes, background) that would infringe any third party’s copyrights or trademarks; [5] have not previously been submitted in a Sweepstakes or game of chance of any kind or exhibited or displayed publicly through any commercial means; [6] 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. 

You further represent and warrant to Sponsor that: [1] you have all rights, licenses, permissions and consents necessary to submit the Entry in accordance with the Rules; [2] no person or entity other than you has any right, title or interest in and to any part of the Entry ; (3) you are not subject to any agreement or arrangement that would interfere with your entering this Sweepstakes and granting all the rights granted hereunder or that would conflict with any other documentation required hereunder.. 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; or Entries that are altered, 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. 

Winners 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. Void where prohibited or restricted by law. 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.

PRIZES, THEIR CORRESPONDING APPROXIMATE RETAIL VALUES (“ARV”) & ODDS:

Ten (10) Grand Prize winners will receive: $300 worth of SoFi reward points redeemable in the SoFi app (“ARV”): $300  Maximum ARV of all prizes: $3,000 in reward points. 

$300 worth of SoFi Rewards Points to winner’s SoFi Member’s Rewards account. SoFi Reward Points may be redeemed for $.01 each into SoFi Money, SoFi Invest, or eligible SoFi loans or for $0.005 for SoFi credit card statement credit and are subject to the terms governing the SoFi Reward Points program, including any pending and/or verification period stipulated by Sponsor. Winner can redeem SoFi Rewards Points through the SoFi mobile phone app. Rewards Points may be redeemed: (I) for any promotional offer listed on the "Redeem Points" page, or (ii) for cash deposited into winner’s SoFi Money Account, shares (fractional or whole shares) credited to your SoFi Invest Account, or cash applied to the outstanding balance of your SoFi Student Loan Refinance or SoFi Personal Loan. Winner cannot redeem SoFi Rewards Points if his or her SoFi Credit Card Account is cancelled or past due. Prizes are not transferable except to a surviving spouse residing in the same household. No substitution allowed except at Sponsor’s sole discretion. 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:

Winners will be selected in a random drawing from all Eligible Entries received during the Entry Period. Random drawing will be conducted on or about 2/14/22 by a representative from the Sponsor whose decisions are final. 

WINNER NOTIFICATION/VERIFICATION: 

Potential winners will be notified by a Twitter comment or a Twitter direct message from the Sponsor’s Twitter 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 one (1) day 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 two  (2) 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, 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] 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; [4] 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 winners by such method as Sponsor in its sole discretion shall consider equitable; [5] 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 winners and distribution of the prizes; [6] any portion of any prize not accepted or used by any winner will be forfeited; [7] the Releasees are not responsible for any inability of any winner to accept or use any prize (or any portion thereof) for any reason; [8] 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 (9) 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.

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 www.sofi.com/privacy-policy. 

SPONSOR:

Social Finance, LLC, 234 1st. Street, San Francisco CA 94103

WINNERS LIST: 

For names of winners (available after 2/28/22), send a self-addressed, stamped #10 envelope by 2/28/22 to: SoFi Halftime Sweepstakes Winner List.  234 1st. Street, San Francisco CA 94103.

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

This week, see what SoFi’s Head of Investment Strategy has to say about oil prices.

Home lenders face a potential slowdown in refinancing as the number of eligible candidates has shrunk considerably so far in 2022.

Valentine’s Day may break your heart this year from a cost perspective, as inflation and even a candy shortage take their toll.

SoFi Says No More to Staying in an Unfulfilling Relationship

SAN FRANCISCO, CALIF–February 9, 2022– SoFi (NASDAQ: SOFI), announced today its new brand campaign, “Break Up With Bad Banking”, inspiring people to move out of unfulfilling relationships with their banking institutions and move on with SoFi, an all-in-one banking app disrupting the personal finance category that allows consumers to save, spend, borrow, earn, invest and protect their money all in one place just in time for the season of love.

Research shows that the average adult in the United States has used the same primary checking account for fourteen years.[1] This statistic coupled with the fact that financial institutions only have a 33% approval rating shows it’s time to stop settling for mediocre.[2] SoFi’s last brand campaign of 2021 explored the celebratory feeling that comes with members getting their money right with SoFi. This latest campaign drives a call to action to break up with bad banking ahead of Valentine’s Day by moving on with SoFi so consumers can relish in that same celebratory feeling.

 “Sometimes we stay in relationships that don’t fulfill us even though we know it’s time to break up. Our new ‘Break Up with Bad Banking’ campaign is a call to action for consumers to wake up from financial complacency and join a bank that truly understands their wants and needs,” said Lauren Stafford Webb, Chief Marketing Officer of SoFi. “We are committed to creating meaningful and lasting relationships with our members. When you move on with SoFi, you’re entering a relationship that prioritizes you. Our robust product offering puts you and your financial needs first to help you get your money right—and ultimately help you achieve financial independence.”

 The campaign is kicking off with a digital and influencer campaign and sweepstakes across TikTok, Instagram, and Twitter this week with accompanying television advertisements to air across all major national cable/streaming platforms beginning in early March.

 As part of the campaign, SoFi is calling on members to Break Up With Their Bank with the opportunity to win several prizes. One opportunity is through a national three-day TikTok challenge where participants are encouraged to share their break up story using an original song made in partnership with Jax of @JaxWritesSongs and the hashtag #SoFiBreakUpChallenge. Throughout the campaign, SoFi will be rewarding people with $75,000 in SoFi Reward Points and the grand prize winner will be awarded $25,000 in rewards points at the end of the contest period. Another opportunity will be during Super Bowl LVI where SoFi will be hosting a conversation on Twitter, calling on members to #MoveOnWithSoFi. Throughout pivotal moments of the big game, SoFi will provide prompts via its Twitter account giving away up to $25,000 in prizes.

 This announcement comes on the heels of SoFi announcing the completion of its acquisition of Golden Pacific Bancorp, Inc. (OTCPK: GPBI) and its wholly owned subsidiary Golden Pacific Bank, N.A. (together, “GPB”). SoFi will offer an industry-leading Annual Percentage Yield (APY) up to 1.00% for members with direct deposit*, providing 33 times the national average interest on balances. Research confirms that over half of consumers consider savings account interest rates the most important type of interest rate.

 To learn more about the campaign visit www.sofi.com/breakup.

 About SoFi

SoFi helps people achieve financial independence to realize their ambitions. Our products for borrowing, saving, spending, investing and protecting give our nearly three million members fast access to tools to get their money right. SoFi membership comes with the key essentials for getting ahead, including career advisors and connection to a thriving community of like-minded, ambitious people. SoFi is also the naming rights partner of SoFi Stadium, home of the Los Angeles Chargers and the Los Angeles Rams. For more information, visit SoFi.com or download our iOS and Android apps.

Contact

[email protected]

Disclosures

 SOFI BREAKUP CHALLENGE

TERMS AND CONDITIONS

ELIGIBILITY: The SoFi Breakup Challenge (“Challenge”) is open solely to SoFi members who at the time of participation are: [1] legal residents of the 50 United States (including the District of Columbia) who are 19 years of age or older in Alabama and Nebraska; 21 years of age or older in Mississippi; or 18 years of age or older in all other states including the District of Columbia, and (collectively referred to hereafter as ‘you”, “Entrant” or “Entrants”). If you are not a SoFi member, download the free SoFi app. Employees of Social Finance, LLC (the “Sponsor” or “SoFi”), Ventura Associates International LLC (the “Administrator”) and their respective parent companies, subsidiaries, affiliates, advertising, public relations and promotion agencies or any company or individual involved with the development or execution of the Challenge (collectively, the “Challenge Entities”), and their immediate family members and/or those living in the same household of each, whether related or not, are not eligible to enter or win. Challenge is governed by U.S. law and subject to all applicable federal, state, and local laws and regulations. Void where prohibited by law.

Challenge begins at 12:00:00 AM Eastern Time (“ET”) February 7, 2022 and ends at 11:59:59 PM ET on February 27, 2022 (the “Challenge Entry Period”). The Challenge Entry Period consists of three (3) Weekly Period competitions as outlined within the chart (below) and one (1) Grand Prize competition.

Weekly Period Details

Each entry into the Challenge will be considered for a weekly competition prize or the grand prize competition, depending on the date and time the Entry is received, evaluated, and scored by the judging panel. After the end of each Weekly Period, the Sponsor will announce up-to-five (5) top scoring entries (subject to verification) as weekly winners for that given Weekly Period. Any announced and verified weekly winners will not qualify for subsequent Weekly Periods competitions, but will be rejudged for the Grand Prize competition. Any nonwinning entry will qualify to compete in subsequent competitions (if any).

HOW TO SUBMIT ENTRY:

(a): Record sixty seconds (60) or less video sharing how you feel about breaking up with bad banking (“Challenge theme”) while incorporating the SoFi Break Up Song by Jax (“Music Asset”) into your video.

(b): Post your video on Instagram or TikTok during the Challenge Entry Period including all the following and required hashtags: #SofiBreakupChallenge and #Contest and tag @SoFi. Your entry must include all hashtags to enter the Challenge.

Your video posted according to steps a and b (above) are referred hereafter as an “Entry.” If it is found an Entrant has submitted more than one (1) Entry for a given Weekly competition, the Sponsor will consider the first submission pulled from Instagram or TikTok as the eligible Entry from that Entrant and all other submission(s) by such Entrant will be disqualified. Only the approved Music Asset can be included in the submitted video. If any video exceeds the sixty (60) seconds, only the first sixty (60) seconds will be reviewed and judged.

Entrants must have a smartphone or other wireless or electronic device that supports Instagram and TikTok and have Internet access. Normal Internet access and usage charges imposed by each entrant’s online and cell phone service provider will apply. Use of automated processes or repetitive submission of the same Entry is not permitted. Released Parties are not responsible for any changes or effects caused to Entrant’s smartphone or electronic system because of submitting an Entry. Entries are subject to all notices posted online including Sponsor’s privacy policy found at www.SoFi.com.

Only Entries submitted via Instagram or TikTok will be accepted. An entry can only be determined once as a weekly prize winner. Entries will not be returned or acknowledged, nor will the Entries be received or held “in confidence” and a submission does not create a confidential relationship or obligation of secrecy between you and the Sponsor or any of its affiliates.

By submitting an Entry, each Entrant acknowledges and agrees that Sponsor may receive many Entries in this Challenge and that such other Entries may be similar or identical in theme, idea, format or other respects to Entrant’s Entry and Entrant waives any and all claims Entrant may have had, may have, and/or may have in the future that any Entries accepted, reviewed and/or used by the Sponsor may be similar to or the same as his/her Entry. Furthermore, by submitting an Entry, you, the Entrant, agrees that Sponsor has no obligation to post or publish your Entry, that all such postings or publication, if any, will be in Sponsor’s sole discretion and that the posting or publication of an Entry does not have any bearing on whether the Entry will be determined as a winner. Without limiting the generality of the foregoing, Entrant agrees that the Entry may be posted and shared by others and that the Challenge Entities are not responsible for any unauthorized use of Entries by third parties.

Sponsor reserves the right to disqualify any Entry for any reason, in its sole and absolute discretion. Sponsor is under no obligation to disclose why an Entry has been disqualified other than the Entry was ineligible under these Terms and Conditions. Entries subject to all notices posted at SoFi.com, including these Terms and Conditions.

MUSIC ASSET DETAILS: Entrants may not use Music Asset to create any Entry that duplicates or is similar to any copyrighted material, or in any manner that could otherwise infringe the copyright or any other intellectual property of any third party. Music Asset is available to Entrants solely and strictly for the purpose of use in Entrant’s Entry submission in the Challenge in accordance with these Terms and Conditions. Music Asset can be downloaded from the designated website and must NOT be used for any purpose other than incorporation in Entrant’s Entry. All rights to Music Asset are reserved to Sponsor. Any individual who exploits or otherwise makes use of any of the Music Asset for any purpose other than in an Entry to be submitted in the Challenge is in violation of criminal and civil laws and the Sponsor reserves the right to prosecute, and to seek damages from such individual(s) to the fullest extent allowed by law. Each Entrant acknowledges and agrees the Music Asset made available as part of the Challenge is owned by Sponsor, and/or their respective affiliates and/or licensors, as applicable, and are protected by intellectual property laws. Sponsor hereby grants, and Entrant hereby accepts, a limited, non-exclusive, non-transferable, revocable right and license to use the Music Asset as part of the Challenge Entry. Entrant further acknowledges and agrees he or she may not reproduce, duplicate, modify, perform, transfer, post, distribute, sell, or create derivative works of or otherwise use or make available any portion of the Music Asset other than as specifically permitted herein.

ENTRY RESTRICTIONS: Each Entry must be original, in English and not copied from any other work and must not infringe upon the rights of any third party. Content that may NOT be contained in an Entry includes, but is not limited to, the following:

•  except for when an email address is requested for purposes of contacting a potential winner, any content providing personally identifiable information about yourself or any third parties, such as address, phone number or any contact information.
• content in violation of third-party rights including, but not limited to copyrights, trademark, right of publicity or any other proprietary rights unless allowed by Sponsor such as the Music Asset noted herein;
•  content that is libelous, defamatory, disparaging or tortious;
•  content that is pornographic, adult-oriented, or sexually explicit;
• content portraying or referring to lotteries or gambling;
• content portraying or including explicit or offensive language;
• content portraying or advocating violence, illegal activities, tobacco, alcohol, or drugs, dangerous stunts;
• content portraying or referring to weapons of any kind including, but not limited to, guns or bombs;
• content that promotes bigotry, racism, hatred, or harm against any group or individual or promotes discrimination based on race, sex, religion, nationality, disability, sexual orientation, age or any basis protected by federal, state, or local law, ordinance, or regulation;
• content that denigrates, disparages, or reflects negatively on the Sponsor, its services and products or its employees, or on any other person, company, services or product, or that disparages Sponsor’s competitors;
• prior to entering Challenge, content must not have been published, submitted, or otherwise used for any commercial purpose;
• content that communicates messages or images inconsistent with the positive images and/or goodwill to which Sponsor wishes to associate;
• depict or otherwise identify a minor unless a parent or legal guardian is the Entrant;
•  depict or otherwise identify a pet unless its legal owner is the Entrant;
• must not contain any computer viruses, Easter eggs, worms, Trojan Horses or other harmful component or programming routines intended to damage, detrimentally interfere with, surreptitiously intercept, or expropriate any system, data or personal information. Entries containing any such aspects and/or that are in violation of law or otherwise deemed by Sponsor, in its sole discretion, to be prejudicial to Sponsor or inappropriate in any way, will be disqualified. Entries determined, in Sponsor’s sole discretion, to infringe on any intellectual property rights or other rights will be disqualified.

If an Entry includes any of the prohibited elements listed above, the Entry will be disqualified. The above list is not intended to be exhaustive; the Sponsor may disqualify any Entry if it contains any content the Sponsor and/or the Administrator deems, in their sole discretion, to be offensive or obscene in any way or to comply with these Terms and Conditions. If the Entry contains any material or elements that are not owned by the Entrant and/or which are subject to the rights of third parties, the Entrant is responsible for obtaining, prior to submission of the Entry, any and all releases and consents necessary to permit the use and exhibition of the Entry by Sponsor in the manner set forth in these Terms and Conditions. Sponsor reserves the right to request proof of these permissions in a form acceptable to Sponsor from any Entrant at any time.

By entering, Entrants, including all winners, grant the Sponsor permission (except where prohibited by law) to use his or her name, Entry, any testimonial obtained by Sponsor, hometown, statement(s), likeness, image, voice, appearance, prize won (if Entrant is determined a winner), for promotional purposes, advertising, publicity in any and all media, including online posting, now or hereafter devised throughout the world in perpetuity without further compensation.

JUDGING: A panel of judges consisting of personnel from the Sponsor (“judging panel”) will determine the top scoring Weekly Period Entries and the overall top scoring Grand Prize entry based on the following weighted judging criteria:

1. a) Best technical composition of the video (25%)
2. b) Best artistic composition of the video (25%)
3. c) Creativity of Submission (15%)
4. d) Suitability for advertising and publicity purposes (10%) and
5. e) Adherence to the Challenge theme (25%)

TIES: In the event of a tie, the Entry from among the tied Entries with the highest score for technical and artistic composition of the video will be declared the winner. In the event of a further tie, the Entry from among the tied Entries with the highest score received for Adherence to the Challenge theme will be declared the winner. The decisions of the judging panel are final and binding on all matters relating to determination of any winning Entry.

Sponsor reserves the right to not award any prize if, in its sole and absolute discretion, it does not receive enough eligible Entries to be considered for a Weekly Period prize or the Grand Prize.

PRIZES: Up-to-five (5) prizes awarded per Weekly Period (up-to fifteen (15) in total): $5,000.00 each. One (1) Grand Prize: $25,000.00. Prize funds will be awarded approximately sixty (60) days of each winner announcement and will be deposited into the member’s SoFi Money account. If a winner does not have a SoFi Money account at time of winning, he or she will need to create a free SoFi Money account prior to the awarding of prize. All federal, state, local taxes or other expenses relating to the prize won, acceptance and possession of prize is the sole responsibility of each winner. An IRS form 1099 will be filed in the name of each winner for the value of prize won.

WINNER NOTIFICATIONS: Weekly Period winners will be notified within 3-4 days from date of winner determination and the Grand Prize winner will be determined on or about March 7, 2022. All winners will be notified via a comment or direct message on social media and will be required to email the Administrator within forty-eight (48) hours and provide the contact information which will be used to facilitate eligibility verification and prize claim. Administrator will email an Affidavit of Eligibility, Release of Liability, and a Publicity Release (“Affidavit/Release”) and IRS W9 Tax Form to each winner and he/she will be required to execute and return Affidavit/Release within three (3) days of date printed on notification or winner’s Entry may be disqualified. At the sole discretion of the Sponsor, disqualification, forfeiture, and the determination of an alternate winner may result from any of the following: [1] a winner’s failure to respond to the notification within forty-eight (48) hours after its transmission. [2] failure of undeliverable notification due to deactivation of winner’s Instagram or TikTok account. [3] winner’s Instagram or TikTok account is set to “private mode.” [4] winner’s failure to complete and return Affidavit/Release by the notification deadline. [5] if a winner cannot accept the prize for any reason and [6] any other non-compliance with the Terms and Conditions. If this is case, the Entry with the next highest score received during the judging round the disqualified Entry originated may be determined the alternate winner (subject to verification). The Sponsor reserves the right to modify the notification procedures in connection with the selection of an alternate winner, if any.

ASSIGNMENT OF RIGHTS: Each Entrant hereby acknowledges that his or her Entry in the Challenge and all other materials of every kind whatsoever created by Entrant relating to the Challenge (collectively, the “Work”) are a “work made for hire” (as that term is used in the United States Copyright Act) for Sponsor and the Sponsor is the sole and exclusive owner, in perpetuity and throughout the universe, of all right, title and interest in and to the Work, including without limitation all copyrights in and to the Work (and all renewals and extensions thereof now or hereafter provided by law) and all the rights therein and thereto, and may exploit the Work in any manner throughout the world without restriction on a gratis basis. Without limiting the binding effect of any of the foregoing provisions, in the event that any part of the Work is not deemed to be a “work made for hire” for the Sponsor, the Entrant hereby irrevocably and exclusively grants and assigns to Sponsor (or, if any applicable law prohibits or restricts such assignment, Entrant hereby grants to Sponsor an irrevocable, perpetual, royalty-free, transferable license of) on a gratis basis all right, title and interest in and to such Work, including, without limitation, all rights of every kind and nature (whether now known or hereafter devised, including all copyrights therein and thereto and all renewals and extensions thereof), throughout the universe, in perpetuity, for all purposes, in any and all media, whether now known or hereafter devised. Entrant hereby waives all so-called “moral rights of authors” and “droit moral” rights (and any similar or analogous rights under the applicable laws of any country of the world). Each Entrant agrees and acknowledges that no public performance, synchronization, mechanical, songwriting, publishing and/or master use royalties, monies or consideration of any kind will be payable in connection with Sponsor’s use of the Work, whether commercial use or otherwise, in all media, whether now known or hereafter devised.

CONSENT AND RELEASE: To the fullest extent possible in law, Entrants, and on behalf of themselves and on behalf of their respective heirs, executors, administrators, legal representatives, successors and assigns (“Releasing Parties”), release, defend and hold harmless the Challenge Entities, Instagram or TikTok (collectively, the “Released Parties”) from any and all actions, causes of action, suits, debts, dues, sums of money, accounts, reckonings, bonds, bills, specialties, covenants, contracts, controversies, agreements, promises, variances, trespasses, lost profits, indirect or direct damages, consequential damages, incidental damages, punitive or exemplary damages, judgments, extent, executions, claims and demands whatsoever, in law, admiralty or equity, whether known or unknown, foreseen or unforeseen, against Released Parties which any one or more of the Releasing Parties ever had, now have or hereafter can, shall or may have which in any way arise out of or result from Entrant’s participation, acceptance and use or misuse of prize (if determined to be a winner. The Sponsor is not responsible for any typographical or other error in the printing of the offer, changes to any Instagram or TikTok function that may interfere with the Challenge or your ability to timely enter, any notification failure due to Instagram or TikTok function or personal account setting, administration of the Challenge or in the announcement of any prize. In the event Sponsor is prevented from continuing with the Challenge as contemplated herein by any event beyond its control, or otherwise, including but not limited to fire, flood, earthquake, explosion, labor dispute or strike, act of God or public enemy, satellite or equipment failure, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared) or any federal, state, or local government law, order, or regulation, or order of any court, or other cause, Sponsor shall have the right to modify, suspend or terminate the Challenge. Furthermore, the Sponsor reserves the right to terminate the Challenge if it becomes technically corrupted (including if a computer virus or system malfunction inalterably impairs its ability to conduct the Challenge), and to determine winners from among all eligible Entries received prior to termination. Entrants assume all liability for any injury, including death or damage caused or claimed to be caused, by participation in this Challenge or use or redemption of the prize (if Entrant is determined to be a winner).

ARBITRATION: This Challenge 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. Entrants hereby agrees that any and all disputes, claims, causes of action, or controversies (“Claims”) arising out of or in connection with this Challenge 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 CHALLENGE. 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.

GENERAL: In the event of a dispute as to the ownership of any Entry, the authorized account holder of the email address used to register the social media account will be deemed to be the Entrant. The “authorized account holder” is the natural person assigned an email address by an Internet access provider, online service provider or other organization responsible for assigning email addresses for the domain associated with the submitted address. Winners may be required to show proof of being the authorized account holder.

Any Entry that has been tampered with or altered, or mass Entries or Entries generated by a script, macro or use of automated devices are void. The Sponsor is not responsible for: (i) human or technical error, omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction or unauthorized access to or alterations of Entry materials, or for technical, network, telephone equipment, electronic, computer, app, hardware or software malfunctions of any kind, or inaccurate transmission of or failure to receive Entry information by Sponsor on account of technical problems or traffic congestion on the Internet or at any website or any combination thereof; (ii) any injury or damage to Entrant’s or any other person’s computer related to or resulting from participating in the Challenge, or (iii) the failure of any third party to comply with the instructions and proper administration of this Challenge. By participating in the Challenge, Entrants (i) agree to be bound by these Terms and Conditions, including all eligibility requirements, and (ii) agree to be bound by the decisions of Sponsor and the Administrator, which are final and binding in all matters relating to the Challenge. Sponsor reserves the right at its sole discretion to disqualify any individual that tampers or attempts to tamper with the entry process or the operation of the Challenge or website or violates these Terms and Conditions. LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT AN ENTRANT, TO DELIBERATELY INTERFERE WITH THE OPERATION OF THE CHALLENGE, IS A VIOLATION OF CRIMINAL & CIVIL LAWS AND SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND DILIGENTLY PURSUE ALL REMEDIES AGAINST ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.

WINNERS LIST: For a list of winners (available after March 30, 2022), send a stamped, self-addressed envelope (postage not required for Vermont residents) by March 30, 2022 to: SoFi Breakup Challenge Winners List, c/o Ventura Associates International LLC, 494 Eighth Avenue, Suite 1700 (DE/SOFI), New York, NY 10001.

PRIVACY: By entering the Challenge, 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 Challenge is subject to Sponsor’s privacy policy located at https://www.sofi.com/privacy-policy/.

SPONSOR: Social Finance, LLC, 234 1st Street, San Francisco, CA 94105.

ADMINISTRATOR: Ventura Associates International LLC, 494 Eighth Avenue, Suite 1700, New York, NY 10001.

This Challenge is in no way promoted, endorsed, or administered by, or associated with any social media entity, including but not limited to Instagram® and TikTok. Any questions, comments or complaints regarding the Challenge must be directed to the Sponsor or Administrator, and not to any social media entity.

Rewards Points: Your ability to earn or redeem points may be suspended or terminated if your account is not in good standing. Additional terms and conditions may apply. Please review your “How to earn points” page in your app for additional details. Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA/SIPC. For additional disclosures related to the SoFi Invest platforms described above, including state licensure of Sofi Digital Assets, LLC, please visit SoFi.com/legal.

*Members must first sign up for a SoFi Money® account and will be eligible for upgrade upon the future release of SoFi® Checking and Savings offered through SoFi Bank, N.A.

 SoFi Money® is a cash management account, which is a brokerage product, offered by SoFi Securities LLC. Member FINRA/SIPC.

 SoFi Banking members with direct deposit can earn up to 1.00% annual percentage yield (APY) interest on the first $50,000 of their balances for their checking and savings accounts, plus the cumulative total of all Vault balances, for up to $150,000 total deposits. Balances over $50,000 in each category will earn 0.05% APY. Members without direct deposit will earn 0.25% APY on account balances. Interest rates are variable and subject to change at any time. Rate of 1.00% APY is current as of 12/15/2021. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet

©2022 Social Finance, LLC All rights reserved.

[1] Source: Bankrate

[2] Source: JD Power 2019 U.S. Retail Banking Satisfaction Study