TAP TO PLAY

OFFICIAL RULES

NO PURCHASE NECESSARY TO ENTER OR WIN.

PARTICIPATING IN THE SOFI TAP TO PLAY GAME (THE “GAME”) CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES. BY PARTICIPATING IN THE GAME, YOU REPRESENT AND WARRANT THAT YOU MEET THE ELIGIBILITY REQUIREMENTS STATED HEREIN AND ACKNOWLEDGE THAT FAILURE TO MEET ALL ELIGIBILITY REQUIREMENTS WILL RESULT IN DISQUALIFICATION.

THIS GAME IS NOT SPONSORED, ENDORSED OR ADMINISTERED BY APPLE® OR GOOGLE®.

ELIGIBILITY: The Game is open only to legal residents of the 50 United States (and the District of Columbia) and U.S. territories who are age 18 or older (or of legal age in their state of residence) who apply for and are approved for a new SoFi credit card (each such person, a “Participant”) and satisfy all other eligibility criteria set forth herein. The SoFi credit card (the “SoFi Credit Card”) is issued by The Bank of Missouri pursuant to license by Mastercard® International Incorporated. Employees of Social Finance, Inc. (“SoFi” or “Sponsor”) and its subsidiaries, affiliates, advertising, public relations and promotional agencies or any company or individual involved with the development or execution of the Game (collectively, the “Game Entities”), and their immediate family members and individuals living in the same household with any Game Entities, whether related or not, are not eligible to participate. Current SoFi Credit Card accountholders are ineligible. The Game is governed by U.S. law and subject to all applicable federal, state and local laws and regulations. Void where prohibited by law. SoFi Credit Card approval subject to criteria established by Sponsor and The Bank of Missouri.

HOW TO PARTICIPATE:  Eligible Participants may participate in the Game by applying for a SoFi Credit Card on the SoFi website at https://www.sofi.com/credit-card/ or through the SoFi app between May 19, 2022 at 11:59PM EST and June 30, 2022 at 11:59PM PST (the “Promotion Period”). If approved for the SoFi Credit Card, the Participant will be presented with a virtual animated credit card that will tap against a virtual payment terminal which will then reveal the Prize won by that Participant, the values of which are described below.

A Participant’s receipt of a Prize is subject to that Participant’s eligibility and verification by Sponsor and/or its agents. A screenshot is not proof or evidence of winning a Prize. Limit one (1) game play per Participant. Participants are solely responsible for costs associated with accessing the internet to connect to and participate in the Game, including, without limitation, cellular and WiFi costs.

PRIZES:  The value of each Prize is listed below and will be issued in the form of SoFi reward points that may be redeemed as described in the Prize Redemption section below.* Other than the aforementioned uses, SoFi reward points have no cash value and may not be redeemed for cash.

SoFi Reward Points $ Value Odds
1,000,000 10,000 0.005%
100,000 1,000 0.3%
10,000 100 1.745%
1,000 10 98%

Each Participant shall have the opportunity to play only once, and only the revealed Prize shall be made available to that Participant’s SoFi Credit Card account.

No substitution or transfer of any Prize to a third party is permitted, and Prizes cannot be redeemed for cash value, except by Sponsor, who reserves the right in its sole discretion to substitute a Prize of equal or greater value. If applicable, all investment gains and losses, taxes, fees, federal, state, local or other expenses relating to the use, acceptance and possession of any prize are the sole responsibility of each Participant.

*PRIZE REDEMPTION OPTIONS: Reward points redeemed for cash deposited into a SoFi Checking and Savings account, fractional shares in a SoFi Invest account, cryptocurrency in a SoFi Invest crypto account, or as a payment to a SoFi Personal or Student Loan Refinance, will redeem at a rate of 1 cent per each reward point. Reward points redeemed as a statement credit to a SoFi Credit Card account, will redeem at a rate of 0.5 cents per each reward point. For more details on redemption options, please visit the SoFi Credit Card Rewards page at https://www.sofi.com/card/rewards/. SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. Brokerage and Active investing products offered through SoFi Securities LLC. Member FINRA/SIPC. Other than reward points earned through the Game, cardholders earn 2 rewards points for every dollar spent on eligible purchases.

CONDITIONS ON CLAIMING A PRIZE:  If a Participant fails to claim a Prize, or if any information provided by a Participant cannot be verified by Sponsor, the Prize will not be awarded and Sponsor shall have no further obligations to such Participant. Participants are responsible for notifying Sponsor of changes in their email addresses or mobile number(s). Participants are responsible for all taxes that may be due to winning a Prize. An IRS Form 1099-MISC will be filed with the IRS in the name of any Participant who selects and receives a prize valued at $600.00 or more.

CONSENT AND RELEASE: To the fullest extent possible by law, Participants themselves, and on behalf of their respective heirs, executors, administrators, legal representatives, successors and assigns (“Releasing Parties”), agree to release, defend and hold harmless the Game Entities from any and all actions, causes of action, suits, dues, agreements, promises, 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 the Game Entities 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 Participant’s participation in the Game, and acceptance and use or misuse of a Prize. Sponsor is not responsible for any mechanical or human error or failure or for any typographical or other error in the printing, or operation of the Game and the administration of the Game or in the display of any Prize.

FORCE MAJEURE: In the event Sponsor is prevented from continuing with the Game 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 or terminate the Game. Furthermore, the Sponsor reserves the right to terminate the Game if it becomes technically corrupted (including if a computer virus or system malfunction inalterably impairs its ability to conduct the Game) or for any other reason in its sole discretion.

ARBITRATION: This Game 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. All Participants hereby agree that any and all disputes, claims, causes of action, or controversies (“Claims”) arising out of or in connection with the operation or participation in this Game shall be resolved exclusively by mandatory binding 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 Participant. 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 PARTICIPANT 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. OTHER RIGHTS THAT PARTICIPANTS WOULD HAVE IF PARTICIPANT WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. ANY CLAIMS, JUDGMENTS AND/OR AWARDS SHALL BE LIMITED TO ACTUAL OUT-OF-POCKET AND PROVABLE COSTS ASSOCIATED WITH PARTICIPATING IN THIS GAME, BUT IN NO EVENT SHALL SUCH JUDGMENT OR AWARD EXCEED THE ACTUAL COST OF A PARTICIPANT TO PARTICIPATE IN THE GAME. 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 Participant alone, and the arbitrator’s authority to make awards is limited to awards to Sponsor and Participant 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. The Sponsor is not responsible for error, omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction or unauthorized access to or alterations of the Game, or for technical, network, telephone equipment, electronic, computer, hardware or software malfunctions of any kind, or inaccurate transmission of or failure to access Game by any Participant on account of technical problems or traffic congestion on the Internet or at any website or any combination thereof. Sponsor reserves the right at its sole discretion to disqualify any individual that tampers or attempts to tamper with the operation of the Game or violates these Official Rules. LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT A PARTICIPANT, TO INTERFERE WITH THE OPERATION OF THE GAME, 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.

PRIVACY: The information a Participant provides when applying for a SoFi Credit Card to participate in the Game is subject to Sponsor’s privacy policy located at www.sofi.com/privacy-policy.

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

THE SPONSOR’S DECISIONS ARE FINAL AND BINDING IN ALL MATTERS RELATED TO THE GAME.

THIS GAME IS NOT SPONSORED, ENDORSED, ADMINISTERED BY OR ASSOCIATED WITH APPLE®, FACEBOOK, INSTAGRAM, LINKEDIN OR TWITTER. BY PARTICIPATING IN THIS GAME, ENTRANTS AGREE TO RELEASE APPLE®, FACEBOOK, LINKEDIN AND TWITTER, FROM ALL CLAIMS AND LIABILITY RELATED TO THIS GAME.

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