STASH INVEST SPENDING CUSHION SWEEPSTAKES

OFFICIAL RULES

NO DEPOSIT, PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN

 

Updated as of January 1, 2020

 

The following promotion is intended for participants in the United States and the District of Columbia only and shall be construed and evaluated according to the laws of the United States. Do not proceed in this promotion if you are not a legal resident of the United States. Further eligibility restrictions are contained in the official rules below.

ELIGIBILITY: The “Spending Cushion Sweepstakes” (the “Sweepstakes”) is offered by Stash Cash Management, LLC (“Stash”), an affiliate of Stash Financial, Inc. Stash is not a bank or depository institution licensed in any jurisdictions. Sweepstakes is open to legal residents of the 50 United States, the District of Columbia and Puerto Rico who are at least eighteen (18) years of age and are a Stash Invest Account Holder (as defined below) at the time of entry. Void in all U.S. territories and possessions and where prohibited by law. This Sweepstakes is governed by U.S. law and is subject to all applicable federal, state and local laws and regulations. Entrants may be required to meet certain provisions of the Investment Advisers Act of 1940, 15 U.S.C. ¬ß 80b-1, and the rules thereunder. Entrant must have Internet access in order to enter the Sweepstakes. Each Entrant must be the rightful owner (or have authorized use) of the e-mail address identified in the Entrant’s entry and/or the Entrant’s Stash Invest Account (as defined below). Stash will use commercially reasonable efforts to exclude employees of Stash, and its respective affiliates, subsidiaries, parents, advertising, promotion and fulfillment agencies and members of the immediate family or household of each, from being eligible to win prizes under this Sweepstakes. Immediate family member is defined as a parent, sibling or any person residing in same household as employee. Stash will be referred to herein as “Sponsor.” For purposes of this Sweepstakes, a “Stash Invest Account” is an individual taxable brokerage account advised by Stash Investments LLC that is in good standing. Each person who has completed the process of opening a Stash Invest Account will be deemed a “Stash Invest Account Holder” hereunder. Stash Investments LLC, an affiliate of Sponsor, reserves the right to determine in its sole discretion whether a Stash Invest Account is closed and/or in good standing. An account in good standing for purposes of this Sweepstakes is an account for which all required account opening documentation has been completed and verified, and is not locked, or restricted, or otherwise flagged in any way. If an entrant’s Stash Invest Account is closed or not in good standing for any reason at any time, any prizes you win in accordance with these rules may be forfeited.

TIMING: Sweepstakes begins on December 1, 2019 at 12:00:01 AM Eastern Standard Time (“EST”) and ends on January 31, 2020 at 11:59:59 PM EST (“Promotion Period”). During the Promotion Period, there will be two (2) monthly entry periods (each defined as a “Monthly Entry Period”). The two (2) Monthly Entry Periods are as follows: 

Monthly Entry Period #1: Begins on December 1, 2019 at 12:00:01 AM EST and ends on December 31, 2019 at 11:59:59 PM EST; and 

Monthly Entry Period #2: Begins on January 1, 2020 at 12:00:01 AM EST and ends on January 31, 2020 at 11:59:59 PM EST;

TWO (2) WAYS TO ENTER: (A) Open a Stash Cushion Entry Method: To enter, eligible participants must complete the following two steps during a Monthly Entry Period to earn five (5) Entries into the Sweepstakes (each, a “Stash Cushion Holder”): (i) complete (or already have completed) the process of opening a Stash Debit Account (as defined below), and (ii) complete the process of opening a Stash cushion within your Stash Debit Account through an iOS or Android mobile device via the Stash mobile application (a “Stash Cushion”). If you are already a Stash Cushion Holder on or before December 1, 2019, you will automatically receive five (5) Entries into the Sweepstakes for Monthly Entry Period #1. Further, if you are already a Stash Cushion Holder on or before January 1, 2020, you will automatically receive five (5) Entries into the Sweepstakes for Monthly Entry Period #2; or (B) FREE Entry Method: To enter without being a Stash Cushion Holder, or earning additional Entries by making a deposit into a Stash Cushion, or having a minimum monthly balance in your Stash Cushion, Stash Invest Account Holders will be required to complete and submit a designated online Survey during a Monthly Entry Period to earn ten (10) Entries into the Sweepstakes by visiting the following link: https://forms.gle/zvPSCBa9e9o7bJ266. Each Stash Invest Account Holder may submit up to five (5) designated online Surveys during a Monthly Entry Period to earn up to a total of fifty (50) Entries into the Sweepstakes for that given Monthly Entry Period.

A “Stash Debit Account” is a debit account powered by Green Dot Bank, Member FDIC, that is and remains in good standing. You must pass Green Dot Bank’s customer identification procedures and otherwise be approved by Green Dot Bank for a Stash Debit Account, and you must agree to electronic delivery of disclosures, Green Dot Bank’s deposit account agreement, and any other account documentation required for opening in order to open a Stash Debit Account. There is no guarantee that you will be approved to open a Stash Debit Account.

EARN ADDITIONAL ENTRIES: During each Monthly Entry Period, Stash Cushion Holders can earn additional entries (“Additional Entries”) as follows: (i) When you make your first deposit into your Stash Cushion during a Monthly Entry Period, you will receive ten (10) Additional Entries; and (ii) if the balance of your Stash Cushion equals (or is greater than) one of the amounts specified below at least once per day for fifteen (15) days or more during a Monthly Entry Period (“Minimum Monthly Balance”), you can earn the following corresponding amount of Additional Entries:

Minimum Monthly Balance of $25: You can earn five (5) Additional Entries;

Minimum Monthly Balance of $50: You can earn fifteen (15) Additional Entries;

Minimum Monthly Balance of $100: You can earn twenty-five (25) Additional Entries;

Minimum Monthly Balance of $250: You can earn thirty (30) Additional Entries; OR

Minimum Monthly Balance of $500: You can earn thirty-five (35) Additional Entries

 

In the event your Minimum Monthly Balance satisfies more than one of the amounts specified above for at least fifteen (15) days during a Monthly Entry Period, you will receive the corresponding amount of Additional Entries attributable to your highest Minimum Monthly Balance for that given Monthly Entry Period.

 

Limit up to fifty (50) Entries Entry per Stash Invest Account Holder during a Monthly Entry Period, regardless of Entry Method. Entries and Additional Entries received in Monthly Entry Period#1 will not be eligible for Monthly Entry Period #2. No responsibility is assumed by Sponsor for lost, late, misdirected, incomplete or stolen entries or for any computer, online, telephone or technical malfunctions that may occur. Sponsor may reject any Entry or Additional Entry it believes is the result of fraud or was submitted in violation of these official rules. Stash Invest, Stash Retire (Traditional IRA and Roth IRA), and Stash Custodial Accounts are not eligible under this Sweepstakes. 

RANDOM DRAWINGS/SELECTION OF WINNERS: One (1) monthly random drawing (each a “Monthly Random Drawing”) will be conducted on or about five (5) business days after each Monthly Entry Period for a total of two (2) Monthly Random Drawings. One (1) potential Grand Prize Winner, one (1) potential First Prize Winner and one hundred forty-eight (148) potential Second Prize Winners will be selected in each Monthly Random Drawing from among all eligible Entries and Additional Entries received in the corresponding Monthly Entry Period. A total of three hundred (300) Prize Winners will be selected among the two (2) Monthly Random Drawings. Entries and Additional Entries not selected in the Monthly Random Drawing for Monthly Entry Period #1 will not be eligible for the Monthly Random Drawing for Monthly Entry Period #2.  Odds of winning depend upon the number of eligible Entries and Additional Entries received in a given Monthly Entry Period. All Monthly Random Drawings will be conducted by Sponsor whose decisions are final and binding in connection with this Sweepstakes.

ONE HUNDRED FIFTY (150) PRIZES AND THEIR APPROXIMATE RETAIL VALUES (“ARV”) WILL BE AWARDED IN EACH OF THE TWO (2) MONTHLY ENTRY PERIODS: ONE (1) GRAND PRIZE: One (1) Winner will receive one (1) one thousand dollar ($1,000) deposit directly into the cash balance of the Winner’s Stash Invest Account. ARV of Grand Prize: $1,000; ONE (1) FIRST PRIZE: One (1) Winner will receive one (1) reimbursement for one (1) personal monthly bill up to one thousand dollars ($1,000) that will be deposited directly into the cash balance of the Winner’s Stash Invest Account. Each First Prize Winner will be required to provide a copy of the personal monthly bill to Centra360 prior to receiving the deposit into his/her Stash Invest Account. In the event a First Prize Winner’s personal monthly bill is less than one thousand dollars ($1,000), the First Prize Winner will not receive the difference between the actual value of the personal monthly bill and the maximum amount of the First Prize stated herein. ARV of First Prize: $up to $1,000; and ONE HUNDRED FORTY-EIGHT (148) SECOND PRIZES: One hundred and forty-eight (148) Winners will each receive a one-time deposit of twenty dollars ($20) directly into the cash balance of such Winner’s Stash Invest Account. ARV of each Second Prize: $20. TOTAL ARV OF ALL PRIZES AWARDED IN EACH MONTHLY ENTRY PERIOD: up to $4,960. Limit one (1) Prize per Stash Invest Account Holder per Monthly Entry Period.  ALL EXPENSES, TAXES AND COSTS ASSOCIATED WITH ACCEPTANCE AND USE OF PRIZE NOT SET FORTH IN THESE RULES ARE THE OBLIGATION OF THE WINNERS. Prize substitutions are not allowed. Prizes cannot be assigned or transferred, except at discretion of Sponsor. Prizes are awarded WITHOUT WARRANTY OF ANY KIND from Sponsor, express or implied, without limitation.

GENERAL: The potential Grand Prize Winners and the potential First Prize Winners will be notified by Centra360, the Sweepstakes Administrator designated by Stash, by email and telephone within approximately five (5) days of each Monthly Random Drawing. Potential Grand Prize Winners and potential First Prize Winners will be required to complete, sign, execute and return an Affidavit of Eligibility and Liability, and where legal, a Publicity Release and an IRS W2 Form including the potential Winner’s social security number within five (5) days of first attempted notification.  If Centra360 is unable to contact a potential Grand Prize Winner or a potential First Prize Winner after reasonable effort, or if a potential Grand Prize Winner or potential First Prize Winner fails to respond within five (5) days of first attempted notification, that prize may be forfeited and awarded to an alternate winner in a random drawing from among all remaining eligible Entries and Additional Entries received in that corresponding Monthly Entry Period. If a potential Grand Prize Winner or a potential First Prize Winner fails to provide Centra360 with his/her social security number, that potential prize winner will be disqualified and that prize will be awarded to an alternate winner in a random drawing from among all remaining eligible Entries and Additional Entries received in that corresponding Monthly Entry Period. By entering, Entrants  (a) agree to be bound by the official rules and the decisions of Stash (including but not limited to eligibility determinations) which are final and legally binding in all respects; (b) agree to release Sponsor and each of its employees and agents from any and all liability, loss, damage or injury resulting from participation in this Sweepstakes or awarding, receipt, possession, use and/or misuse of any prize awarded herein and acknowledge that Sponsor and their employees and agents have neither made nor are in any manner responsible or liable for any warranty, representation, or guarantee, express or implied, in fact or in law, relative to any prize including, but not limited to, its quality, mechanical condition or fitness for a particular purpose; (c) consent to use of his/her name, photograph and/or likeness for advertising and promotional purposes in connection with this Sweepstakes without additional compensation, unless prohibited by law;  and (d) agree to Stash’s use of entrant’s personal information as described in its privacy policy at https://www.stashinvest.com/theprivacypolicy.

 

INTERNET/WIRELESS: If, for any reason, the Internet portion of this Sweepstakes is not capable of running as planned, whether due to infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of Sponsor which corrupts or affects the administration, security, fairness, integrity, or proper conduct of this Sweepstakes, Sponsor reserves the right at their sole discretion, to disqualify any individual who tampers with the entry process, and to cancel, terminate, modify or suspend the Sweepstakes. In the event of termination, a random drawing to award the monthly Prizes will be conducted from entries received up until the time of termination. Sponsor assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, entries. Sponsor is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers, or providers, computer equipment, software, failure of any e-mail or entry to be received by Sponsor on account of technical problems, human error or traffic congestion on the Internet or at any web site, or any combination thereof, including any injury or damage to entrant’s or any other person’s computer related to or resulting from participation or downloading any materials in this Sweepstakes. CAUTION: ANY ATTEMPT BY A PERSON TO DELIBERATELY DAMAGE ANY WEB SITE OR UNDERMINE THE LEGITIMATE OPERATION OF THIS SWEEPSTAKES IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW. In the event of a dispute, entries will be declared made by the authorized account holder of the e-mail address submitted at time of entry or attributable to such entrant’s Stash Invest Account. “Authorized account holder” is defined as the natural person who is assigned to an e-mail address by an Internet access provider, online service provider or other organization (e.g., business, educational, institution, etc.) that is responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address.

DISPUTES: This Sweepstakes is governed by the laws of the United States and the State of New York, without respect to conflict of law doctrines. As a condition of participating in this Sweepstakes, participants agree that any and all disputes which cannot be resolved between the parties, and causes of action arising out of or in connection with this Sweepstakes, shall be resolved individually, without resort to any form of class action, exclusively before a court located in New York having jurisdiction. Further, in any such dispute, under no circumstances will participants be permitted to obtain awards for, and hereby waive all rights to claim punitive, incidental or consequential damages, including attorneys’ fees, other than participant’s actual out-of-pocket expenses (e.g. costs associated with entering), and participant further waives all rights to have damages multiplied or increased.

PUBLICITY: By accepting a prize, each Prize Winner grants Sponsor the right, except where prohibited by law, to use his/her name, likeness, picture, address (city and state), e-mail address, voice, biographical information and written or oral statements, for advertising and promotional purposes in promoting or publicizing Sponsor and their respective products or services, without compensation unless required by law. You shall have no right of approval, no claim to compensation, and no claim (including, without limitation, claims based on invasion of privacy, defamation, or right of publicity) arising out of any use, blurring, alteration, or use in composite form of your name, picture, likeness, address (city and state), email address, biographical information, or entry. The rights granted under this paragraph shall extend to submissions and all other submitted materials related to the Sweepstakes, including those submitted by non-winners and winners.

WINNERS LIST: For a list of Grand Prize Winners and First Prize Winners, send a self-addressed stamped envelope by February 28, 2020 to: “Spending Cushions Sweepstakes Winners List Requests”, c/o Centra360, 1400 Old Country Road, Suite 306, Westbury, NY 11590.

OFFICIAL RULES: To obtain a copy of these Official Rules, send a self-addressed stamped envelope by February 28, 2020 to: “Spending Cushions Sweepstakes Official Rules Requests”, c/o Centra360, 1400 Old Country Road, Suite 306, Westbury, NY 11590. VT residents may omit return postage.

SPONSOR: This Sweepstakes is sponsored by: Stash Cash Management, LLC, 500 Seventh Avenue, 18^th Floor, New York, NY 10018. This Sweepstakes is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A, or any of their respective affiliates, and none of the foregoing has any liability or responsibility to fulfill any prizes earned under this Sweepstakes.