Game Rules

Overall Rules

THIS PROMOTION IS INTENDED FOR PARTICIPATION ONLY IN THE UNITED STATES AND SHALL BE CONSTRUED ACCORDING TO, AND GOVERNED EXCLUSIVELY BY, UNITED STATES LAW. DO NOT PARTICIPATE IN THE PROMOTION IF YOU ARE NOT A LEGAL RESIDENT OF AND PHYSICALLY LOCATED IN ONE OF THE FIFTY UNITED STATES OR DISTRICT OF COLUMBIA AT THE TIME OF ENTRY OR YOU OTHERWISE DO NOT FALL WITHIN THE ELIGIBILITY REQUIREMENTS SET FORTH IN THE OFFICIAL RULES BELOW.

NO PURCHASE NECESSARY. PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. INTERNET ACCESS AND A VALID EMAIL ACCOUNT ARE REQUIRED TO PARTICIPATE IN THIS PROMOTION.

1) Eligibility

The SaveUp Promotion ("Promotion") is open only to individuals who are members of SaveUp.com and legal residents of and physically located in the fifty United States and District of Columbia age 18 years old or older at time of participation. Any person who is an employee, officer or director of SaveUp, Inc. ("Sponsor") or is directly connected with the management of the Promotion, the Promotion computer systems, or the Promotion security systems and members of their immediate families (spouses, parents, siblings and children) is not eligible. This Promotion is void where prohibited.

2) Promotion Period

Promotion begins on or about 12:00:01 a.m. Pacific Time (PT) on November 1, 2013 and ends at 11:59:59 p.m. PT on October 31, 2014 ("Promotion Period"). During the Promotion Period, Sponsor may offer multiple individual sweepstakes and instant win games, each with a distinct start and end date (the "Individual Sweepstakes Period" or "Individual Game Period," as applicable). The starting, ending and drawing dates, the prize descriptions, odds of winning and other information for each individual game or sweepstakes will be set forth in the Official rules of that sweepstakes or game. The details and official rules for each individual sweepstakes or game can be accessed clicking the Rules link on saveup.com ("Website") and then clicking on the Official Rules applicable to each sweepstakes or game. By participating in this Promotion you are agreeing to participate in other games and sweepstakes if and when and how offered and to the Official Rules of that game or sweepstakes.

3) How to Register

You must register and set up an online account at the Website before you can start accumulating credits through various means. Internet access via computer or web-enabled wireless device and a valid email address are required to set up an account and otherwise participate in this Promotion. Limit one account per person/email address. You may register under one name and one email address only. Accounts cannot be shared. The web-enabled wireless device method of accessing the Website is designed to work with most of the U.S. major wireless carriers that offer data plans and SMS service in the United States and with most wireless devices, but Sponsor makes no guarantee that any particular wireless service provider will participate. The mobile device that is used must be web-enabled. Entrants should check their wireless device’s features to see if they have that capability. Wireless service providers may charge entrants for data plan and/or for each SMS message, including any error message that is sent and received in connection with the Promotion, based on the applicable wireless service pricing plan. Participants should consult their wireless service provider’s pricing plan for details. Message and data rates may apply. Check your carrier for details. By participating using the web-enabled wireless device entry page access, the participant grants permission to the Sponsor to notify them via a return mobile application message or text message and must agree to accept all applicable charges associated therewith. You may opt-out of receiving future promotional text messages from Sponsor at any time by sending a reply message with the word "STOP" or go to the settings in the mobile application and change your settings. You are responsible for all applicable fees and taxes associated with placing an entry via web-enabled wireless device online entry page access. Sponsor in its sole discretion may add or delete a cellular carrier at any time, without notice.

4) How to Obtain Credits

Once an account has been set up, you will automatically receive ten (10) credits. You will then have the opportunity to obtain additional credits by completing your user profile and participating in various activities, and to redeem credits for instant win and sweepstakes prize opportunities. The various means of obtaining credits and the number of credits assigned to each activity will be announced on the Website from time to time during the Promotion Period, and Sponsor reserves the right to add or delete credit opportunities at any time at its discretion, by posting an announcement on the Website. The SaveUp Promotion rewards participants for saving money, paying down their debt, or other financial and non-financial activities, with the opportunity to win life-changing prizes. In the process, SaveUp facilitates financial education and decision-making by suggesting financial decisions in the Promotion experience. Therefore, some of the methods available to obtain credits may ask participants to link various deposit, savings, loans or other accounts to the Promotion by following the instructions provided on the Website, and award credits based on certain activities taken by the participant in connection with those accounts, all as more fully described on the Website. SaveUp/Sponsor is not a bank or lender, and receives no direct benefit as a result of a participant’s depositing or borrowing actions. Once you have completed a qualifying action to earn credits, credits will be deposited into your online "Credit Bank" within approximately 24 hours. Credits will be maintained in your Credit Bank until they are submitted for an instant win ticket or sweepstakes entry ticket or until the end of the Promotion Period, whichever occurs first. At Sponsor’s discretion, credits may be carried forward to a new Promotion. Credits have no cash or other value and may not be sold, bartered, traded or otherwise transferred. All decisions regarding credits, credit balances, redemptions and forfeitures are at the sole discretion of Sponsor. Each available instant win ticket or sweepstakes entry ticket requires the redemption of ten (10) credits. Each person will be allowed a minimum of 3 ticket redemptions (30 credits) per person per day across all games and sweepstakes offered by Sponsor on the Website by any method or combination of methods of entry/redemption. From time to time, Sponsor may offer additional ticket redemptions per person per day for limited periods of time and subject to terms and conditions announced on the Website. For purposes of this Promotion, a "day" is the 24 hour period between 12:00:00 a.m. PT and 11:59:59 p.m. PT. Sponsor’s computer is the official time keeping device for this Promotion.

5) How to Redeem Credits for Virtual Scratch Tickets or Sweepstakes Entry Tickets

You may redeem the credits in your Credit Bank at any time during the Promotion Period for an instant win ticket or sweepstakes entry ticket for any of the prizes currently listed on the Website as being available to be won. To redeem credits, follow the directions on the Website. When credits are redeemed they cannot be refunded or returned to your Credit Bank. Once a prize is no longer available to be won, you may no longer redeem your credits for that instant win ticket or sweepstakes entry ticket. The first time you redeem credits for an instant win ticket or sweepstakes entry ticket, if you have not already provided a telephone number as part of your account information, you may be required to provide either the 10-digit mobile phone number for your SMS-enabled mobile device or your 10-digit landline home telephone number, which will become part of your SaveUp.com account information. If you do not have a mobile phone number or landline home telephone number, you may generate a 10-digit number of your choice. A mobile phone number, landline home telephone number or 10-digit number you self-generate are all referred to as "Telephone Number" for purposes of this promotion. You may submit only one Telephone Number. The Telephone Number in your SaveUp.com account may be used to determine whether or not you are a winner of an instant win prize, pursuant to the official rules of the instant win game you are participating in, or to notify you of potential prize winning status.

6) How to Win

Once you have obtained an instant win ticket, follow the directions to determine if you are a potential winner. Once you have obtained a sweepstakes entry ticket, you may be required to select and submit certain numbers of your choice within the provided ranges, all as more fully described in the official rules applicable to that sweepstakes prize and in accordance with the directions provided at the time of ticket redemption. ALL POTENTIAL WINNING PLAYS ARE SUBJECT TO VERIFICATION BY SPONSOR OR JUDGES, WHOSE DECISIONS ARE FINAL. AN ENTRANT IS NOT A WINNER OF ANY PRIZE, EVEN IF THE INSTANT WIN GAME DISPLAYS A WINNING MESSAGE, UNLESS AND UNTIL ENTRANT'S ELIGIBILITY AND THE POTENTIAL WINNING PLAY HAVE BEEN VERIFIED AND ENTRANT HAS BEEN NOTIFIED THAT VERIFICATION IS COMPLETE. SPONSOR WILL NOT ACCEPT SCREEN SHOTS OR OTHER EVIDENCE OF WINNING IN LIEU OF ITS VALIDATION PROCESS. ANY PLAY THAT OCCURS AFTER THE SYSTEM HAS FAILED FOR ANY REASON IS DEEMED A DEFECTIVE PLAY, IS VOID AND WILL NOT BE HONORED. Potential winners (and their parent/legal guardian if winner is a minor) may be required to sign and return an Affidavit of Eligibility, Liability and Publicity Release ("Affidavit") in order to claim his/her prize and fulfill any other requirements as determined by Sponsor and within the time limits specified by Sponsor. If any potential winner cannot be contacted, fails to sign and return the Affidavit within the required time period, or if a prize or prize notification is returned as undeliverable, he/she forfeits the prize. Unclaimed or unawarded prizes will not be awarded.

7) Languages

In the event that these Rules, or any advertising, promotion or other written, printed or graphic material, including but not limited to such materials appearing on the World Wide Web are presented in a language other than English and there is a discrepancy, inconsistency or interpretation issue between the English language version and the other language version of these Official Rules or of any materials, the English version shall prevail, govern and control.

8) Prize Restrictions

Prizes are not transferable and include only the items specifically listed as part of each prize in the applicable official game or sweepstakes rules and the applicable instant win ticket or sweepstakes entry ticket. No substitution or cash equivalent of prize is permitted except at the sole discretion of the Sponsor. If a prize, or any portion thereof, cannot be awarded for any reason, Sponsor reserves the right to substitute prizes with another prize of equal or greater value. Any prize or portion of a prize not accepted by winner will be forfeited. Federal, state and local taxes on prize and any expenses relating to the acceptance of and use of prize not specified herein are the sole responsibility of each winner. Sponsor will issue an IRS Form 1099-MISC for each winner of prizes valued at $600 or more in the aggregate. Approximate retail values are as of the time the rules were printed and the value of a prize may fluctuate. A winner is not entitled to any difference between the ARV and the actual value of the prize at the time the prize is awarded.

9) General Conditions

Sponsor is not responsible for late, lost, misdirected, mutilated, incomplete, illegible, or postage-due entries or mail. Sponsor is not responsible for incorrect or inaccurate entry information whether caused by entrant or by any of the equipment or programming associated with or used in the Promotion, or by any technical or human error which may occur in the processing of the entries. Sponsor is also not responsible for any technical problems, malfunctions of any telephone service, computer systems, servers, providers, hardware/software, lost or unavailable network connections or failed, incomplete, garbled or delayed computer transmission that may affect the ability of consumers to participate, or for any damage to any participant’s computer system/software related to or resulting from participation in this Promotion. All entries must include a valid email address. Sponsor is not responsible for any change of email address, mailing address and/or telephone number of entrants. Participants may not register with multiple email addresses nor may entrants use any other device or artifice to register multiple times. Any Participant who attempts to enter with multiple email addresses under multiple identities or uses any device or artifice to register multiple times will be disqualified at Sponsor’s sole discretion. In the event of a dispute regarding the identity of a Participant, the Participant will be deemed to be the authorized account holder of the email address submitted at the time of entry (i.e. the natural person who is assigned to 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 email address). Potential winners may be required to provide Sponsor with proof that he/she is the authorized account holder of the email address associated with the winning entry. If a dispute cannot be resolved to Sponsor’s satisfaction, the affected Participant(s) will be deemed ineligible. Sponsor may prohibit a Participant from participating in the Promotion or winning a Prize if, in Sponsor’s sole discretion, it determines that the Participant is attempting to undermine the legitimate operation of the Promotion by acting in an unsportsmanlike manner, by cheating, hacking, deception or using other unfair practices (including without limitation the use of robotic, automatic, macro, programmed, third party or like entry programs, or commercial sweepstakes or contest subscription services) or by intending to annoy, abuse, threaten or harass any other participants. CAUTION: ANY ATTEMPT BY ANY ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEBSITE, TAMPER WITH THE ENTRY PROCESS, OR OTHERWISE UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSORS RESERVE THE RIGHT TO COOPERATE IN THE PROSECUTION OF ANY SUCH INDIVIDUAL AND TO PERSUE ALL REMEDIES TO THE FULLEST EXTENT PERMITTED BY LAW. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. Proof of submission of an action or activity to accumulate or redeem credits will not be deemed to be proof of receipt by Sponsor. Sponsor is not responsible for any typographical, technical or other error in the administration of the Promotion or in the announcement of prize winners. In no event will more than the number or prizes stated in these Official Rules be awarded. If through printing, production, program or human error, or for any other reason whatsoever, more prize notifications are sent (or more claims are received) in any prize category than the number of prizes set forth in these Official Rules for that prize category, Sponsor reserves the right to award only the intended number of prizes for the prize category in question through a random drawing from among all eligible, non-suspect prize claims received. If, for any reason, an entrant’s instant win ticket or sweepstakes entry ticket is confirmed to have been erroneously deleted, lost or otherwise destroyed or corrupted, entrant’s sole remedy is another instant win ticket or sweepstakes entry ticket, as applicable, if that is possible, or a credit to the entrant’s Credit Bank of 10 credits. In the event Sponsor is prevented from continuing with the Promotion or the integrity and/or feasibility of the Promotion is severely undermined by any event beyond the control of Sponsor, including but not limited to fire, flood, epidemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, satellite or equipment failure, riot or civil disturbance, war (declared or undeclared), terrorist threat or activity, or any federal, state or local government law, order or regulation, order of any court of jurisdiction, infection by computer virus, unauthorized intervention, technical failures or other cause not reasonably within the control of Sponsor (each a "Force Majeure" event or occurrence), Sponsor shall have the right, in its sole discretion, to abbreviate, modify, suspend, cancel or terminate the Promotion without any further obligation. If Sponsor, in its discretion, elects to alter this Promotion as a result of a Force Majeure event, a notice will be posted on the Website. By participating in this Promotion, each entrant (and each entrant’s parent/legal guardian if entrant is a minor) agrees: (i) to be bound by these Official Rules and the decisions of Sponsor and the judges, which are final and binding in all respects; (ii) to release and hold Sponsor, its insurers, underwriters, security agents, advertising and promotion agencies, prize suppliers, and their respective representatives, directors, officers, employees, agents, divisions, affiliates, subsidiaries and assigns (collectively, the "Released Parties"), harmless against any and all claims, injuries, damages, losses and liability of any kind (whether due to negligence or otherwise) to person(s) including death, or property, that may occur, directly or indirectly, in whole or in part, from participation in the Promotion or the receipt or use of any prize or any travel or activity related to the receipt or use of any prize; (iii) that Released Parties 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 any particular purpose; and (iv) that Released Parties have neither provided financial or other advice nor are in any manner responsible or liable for participants’ financial or other decisions made in the course of participation in this Promotion. Each winner (and their parent/legal guardian if winner is a minor), by acceptance of a prize, grants to Sponsor and its designees the right to use winner’s name, address (city and state), photograph, voice, statements and/or other likeness and prize information in perpetuity for purposes of advertising and trade in any and all media now known or hereafter devised, throughout the world, without further compensation, consideration, notification or permission, except where prohibited by law. In the event there is a discrepancy or inconsistency between disclosures or other statements contained in these rules or any Promotion materials, the terms of the full Official rules shall prevail, govern and control. Any prizes pictured on promotional materials are for illustrative purposes only and may vary from the actual prize awarded. Please see the privacy policy located at saveup.com/privacy for details of Sponsor’s policy regarding the use of personal information collected in connection with this Promotion.

10) Disputes

As a condition of participating in this Promotion, each entrant (and entrant’s parent/legal guardian if entrant is a minor) agrees that any and all disputes, claims and causes of action arising out of or connected with this Promotion or the prizes awarded shall be governed by the laws of the State of California, without giving effect to any choice of law or conflict of law rules, and that any and all disputes that cannot be resolved between the parties and causes of action arising out of or connected with this Promotion shall be resolved individually, without resort to any form of class action, exclusively before a court located in San Francisco County, California. Further, in such dispute, under no circumstances will entrant be permitted to obtain awards for and hereby waives all rights to claim punitive, incidental or consequential damages, including attorneys’ fees, other than participant’s actual out of pocket expenses (i.e. costs associated with entering this Promotion), and participant further waives all rights to have damages multiplied or increased.

11) Winners List

For a list of confirmed winners to date of prizes over $25, visit saveup.com/winners-list.

Sponsor: SaveUp, Inc., San Francisco, CA 94107.