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Terms of Use

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Terms of Service

General Terms of Service

Terms of Service

Changed App Terms Agreement

Last modified: June 1, 2022

 

This Changed App Terms Agreement (“Agreement”) is a binding agreement between you (“End User” or “you”) and Changed Inc., a Delaware Corporation (“Changed” or the “Company” or “we” or “us”). This Agreement governs your use of the Changed App, (including all related documentation, the “Application”). The Application is licensed, not sold, to you.

 

The Services provided through this Application help you pay off your student loans and other debt faster by rounding up your purchases to the next dollar. When the difference between your purchases and the rounded-up amount reaches or exceeds $5.00, Changed will transfer the funds to your FDIC-insured Changed account. When your Changed account balance reaches or exceeds your selected balance threshold, Changed will send a payment to your student loan account servicer or your other loan account servicer. Changed can transfer a maximum of $500 per week to your loan servicer. If a refund of your Changed balance is requested the maximum amount that can be sent back to your account is $600 per day until your Changed account is fully refunded. To use this service, you will be required to submit bank account and loan servicer information as provided below.

 

The Services provided through this Application also includes Changed’s “Stash my Cash” program. The Stash my Cash program is a separate sub-account under your banking account with Changed. The account carries no interest. You will be able to split your savings from your external and connected bank accounts to this account and your other accounts with Changed. You can then “Cash Out” your Stash my Cash balance at any point, once per day.

 

THE SERVICES PROVIDED THROUGH THE CHANGED APP ARE PROVIDED THROUGH A PAID MONTHLY SUBSCRIPTION THAT WILL AUTOMATICALLY RENEW EACH MONTH.

 

BY CHECKING THE CHECKBOX CONFIRMING THAT YOU HAVE READ THESE TERMS AND AGREE TO THEM, YOU (A) ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS AGREEMENT; (B) REPRESENT THAT YOU ARE EIGHTEEN (18) YEARS OF AGE OR OLDER; AND (C) ACCEPT THIS AGREEMENT AND AGREE THAT YOU ARE LEGALLY BOUND BY ITS TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT DOWNLOAD, INSTALL OR CONTINUE TO USE THE APPLICATION AND DELETE IT FROM YOUR MOBILE DEVICE.

 

  1. License Grant. Subject to the terms of this Agreement, Changed grants you a limited, non-exclusive and nontransferable license to:

(a) download, install and use the Application for your personal, non-commercial use on a single mobile device owned or otherwise controlled by you (your “Mobile Device”) strictly in accordance with the Application’s documentation and as permitted by the Apple Inc. (“Apple”) App Store Terms of Use and Sales & Refund Terms and Conditions; and

(b) access, stream, download and use on such Mobile Device the Content and Services (as defined in Section 5) made available in or otherwise accessible through the Application, strictly in accordance with this Agreement applicable to such Content and Services.

(c) You acknowledge that this Agreement is concluded between Changed and you only, and not with Apple, and that Changed, not Apple, is solely responsible for the Application and the content thereof.

 

  1. License Restrictions. Licensee shall not:

(a) copy the Application, except as expressly permitted by this license;

(b) modify, translate, adapt or otherwise create derivative works or improvements, whether or not patentable, of the Application;

(c) reverse engineer, disassemble, decompile, decode or otherwise attempt to derive or gain access to the source code of the Application or any part thereof;

(d) remove, delete, alter or obscure any trademarks or any copyright, trademark, patent or other intellectual property or proprietary rights notices from the Application, including any copy thereof;

(e) rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer or otherwise make available the Application or any features or functionality of the Application, to any third party for any reason, including by making the Application available on a network where it is capable of being accessed by more than one device at any time; or

(f) remove, disable, circumvent or otherwise create or implement any workaround to any copy protection, rights management or security features in or protecting the Application.

 

  1. Reservation of Rights. You acknowledge and agree that the Application is provided under a license, and not sold, to you. You do not acquire any ownership interest in the Application under this Agreement, or any other rights thereto other than to use the Application in accordance with the license granted, and subject to all terms, conditions and restrictions, under this Agreement. Changed and its service providers reserve and shall retain their entire right, title and interest in and to the Application, including all copyrights, trademarks and other intellectual property rights therein or relating thereto, except as expressly granted to you in this Agreement.

 

  1. Collection and Use of Your Information. You acknowledge that when you download, install or use the Application, Changed may use automatic means (including, for example, cookies and web beacons) to collect information about your Mobile Device and about your use of the Application. You also will be required to provide certain information about yourself as a condition to downloading, installing or using the Application or certain of its features or functionality, and the Application will provide you with opportunities to share information about yourself with others. All information we collect through or in connection with this Application is subject to our Privacy Policy, available at https://goChanged.com/legal/ and in the Changed App under “Disclaimers” in the menu. By downloading, installing, using and providing information to or through this Application, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.

 

  1. Content and Services. The App may provide you with access to the Company’s website located at http://goChanged.com/ (the “Website”) and products and services accessible thereon, and certain features, functionality and content accessible on or through the App may be hosted on the Website (collectively, “Content and Services”). Your access to and use of such Content and Services are governed by this Agreement and the Company’s Privacy Policy, located at https://goChanged.com/legal/, which are hereby incorporated by reference. Your access to and use of such Content and Services may require you to acknowledge your acceptance of this Agreement and the Company’s Privacy Policy and/or register with the Website, and your failure to do so may restrict you from accessing or using certain of the App’s features and functionality.

 

  1. Geographic Restrictions. The Content and Services are based in the state of Illinois in the United States and provided for access and use only by persons located in the United States. You acknowledge that you may not be able to access all or some of the Content and Services outside of the United States and that access thereto may not be legal by certain persons or in certain countries. If you access the Content and Services from outside the United States, you are responsible for compliance with local laws.

 

  1. Maintenance and Updates.

(a) Apple has no obligation to support. Changed is solely responsible for providing any maintenance and support services with respect to the Application, as specified in this Agreement, or as required under applicable law. Changed and End User acknowledges that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Application.

(b) Support. Changed may from time to time in its sole discretion develop and provide Application updates, which may include upgrades, bug fixes, patches and other error corrections and/or new features (collectively, including related documentation, “Updates”). Updates may also modify or delete in their entirety certain features and functionality. You agree that Changed has no obligation to provide any Updates or to continue to provide or enable any particular features or functionality. Based on your Mobile Device settings, when your Mobile Device is connected to the internet either:

(i) the Application will automatically download and install all available Updates; or

(ii) you may receive notice of or be prompted to download and install available Updates.

 

You shall promptly download and install all Updates and acknowledge and agree that the Application or portions thereof may not properly operate should you fail to do so. You further agree that all Updates will be deemed part of the Application and be subject to all terms and conditions of this Agreement.

 

  1. Third-Party Beneficiary. Changed and End User acknowledge and agree that Apple and Apple’s subsidiaries, are third-party beneficiaries of this Agreement, and that, upon End User’s acceptance of the terms and conditions of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce the Agreement against End User as a third party beneficiary thereof.

 

  1. Third-Party Materials. The Application may display, include or make available third-party content (including data, information, applications and other products services and/or materials) or provide links to third-party websites or services, including through third-party advertising (“Third Party Materials”). You acknowledge and agree that Changed is not responsible for Third Party Materials, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect thereof. Changed does not assume and will not have any liability or responsibility to you or any other person or entity for any Third Party Materials. Third-Party Materials and links thereto are provided solely as a convenience to you and you access and use them at entirely at your own risk and subject to such third parties’ terms and conditions.

 

  1. Term and Termination.

(a) The term of this Agreement commences when you download or install the App or acknowledge your acceptance and will continue in effect until terminated by you or Changed as set forth in this Section 10.

(b) You may terminate this Agreement by either (i) choosing “Cancel Service” from the “Settings” menu in the Changed App and following the instructions, or (ii) contacting Changed at support@Changedapps.com and working with our staff to cancel your account.

(c) Changed may terminate this Agreement at any time without notice if it ceases to support the Application, which Changed may do in its sole discretion. In addition, this Agreement will terminate immediately and automatically without any notice if you violate any of the terms and conditions of this Agreement.

(d) Upon termination:

(i) all rights granted to you under this Agreement will also terminate;

(ii) Changed will cancel your account; and

(iii) you must cease all use of the Application and delete all copies of the Application from your Mobile Device and account.

(e) Termination will not limit any of Changed’s rights or remedies at law or in equity.

 

  1. Monthly Subscription. The services provided through this Application are purchased as a paid Monthly Subscription. Subscription fees will be deducted from your SynapseFI User Account and transferred to Changed. Through your acceptance of this Agreement, you authorize this deduction and transfer of funds. Your subscription will automatically renew each month if you do not cancel it in accordance with this Agreement at least three (3) Business Days in advance of the Renewal Date.

(a) Renewal Date for Formerly Free Accounts. For End Users who enter into this Agreement with an existing free Changed SynapseFI User account, the Renewal Date for your Monthly Subscription shall the same day of the month as the date that you accept this Agreement.

(b) Renewal Date for New Accounts. For End Users who enter into this Agreement without an existing Changed SynapseFI User account, the Renewal Date for your Monthly Subscription shall the same day of the month as the first transfer of funds from your bank account to your SynapseFI User Account.

(c) Renewal Date in Short Months. In any month, if such month does not include the date on which the subscription would ordinarily be renewed (for example, if the month is February and the Renewal Date is the 31st), the Renewal Date shall be the last Business Day of that month.

(d) Renewal Date to Fall on Business Day. In any month, if the Renewal Date does not fall on a Business Day, the Renewal Date for that month shall be the following Business Day.

 

  1. Cancellation Due to Failure to Provide Loan Account Information. If you fail to provide us with your loan account information within sixty (60) days of registration for Changed, we reserve the right to cancel your Changed subscription and refund or return any funds in your Changed Account in accordance with the refund and disposition of unclaimed funds provisions set forth in Sections 13 and 14 of this Agreement.

 

  1. Refund after Cancellation. After cancellation in accordance with the terms of this Agreement, your Monthly Subscription will end on the renewal date. Any funds remaining in your SynapseFI User Account will be refunded within 10 Business Days to the bank account that you have registered with SynapseFI. You will not receive a refund of the fees paid for the period of service in which you canceled your subscription.

 

  1. Disposition of Unclaimed Funds. If, after cancellation, the funds in your SynapseFI User Account cannot be refunded due to outdated, incorrect, or invalid bank account information, we will contact you at your email and postal addresses on file to alert you so that you may update your bank account information and receive a refund. If you fail to update your information, the Monthly Subscription fee will continue to be deducted from your SynapseFI User Account for up to sixty (60) months or until the account is balance is zero dollars ($0.00), whichever occurs first. If any funds remain in your SynapseFI User Account sixty (60) months after cancellation, we will again attempt to locate you. If we cannot, such funds will be presumed to have been abandoned. Abandoned funds will be handled in accordance with that state and federal laws governing unclaimed property.

 

  1. Disclaimer of Warranties. THE APPLICATION IS PROVIDED TO LICENSEE “AS IS” AND WITH ALL FAULTS AND DEFECTS WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, Changed INC., ON ITS OWN BEHALF AND ON BEHALF OF ITS AFFILIATES AND ITS AND THEIR RESPECTIVE LICENSORS AND SERVICE PROVIDERS, EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, WITH RESPECT TO THE APPLICATION, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, AND WARRANTIES THAT MAY ARISE OUT OF COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OR TRADE PRACTICE. WITHOUT LIMITATION TO THE FOREGOING, Changed INC. PROVIDES NO WARRANTY OR UNDERTAKING, AND MAKES NO REPRESENTATION OF ANY KIND THAT THE APPLICATION WILL MEET YOUR REQUIREMENTS, ACHIEVE ANY INTENDED RESULTS, BE COMPATIBLE OR WORK WITH ANY OTHER SOFTWARE, APPLICATIONS, SYSTEMS OR SERVICES, OPERATE WITHOUT INTERRUPTION, MEET ANY PERFORMANCE OR RELIABILITY STANDARDS OR BE ERROR FREE OR THAT ANY ERRORS OR DEFECTS CAN OR WILL BE CORRECTED.

 

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF OR LIMITATIONS ON IMPLIED WARRANTIES OR THE LIMITATIONS ON THE APPLICABLE STATUTORY RIGHTS OF A CONSUMER, SO SOME OR ALL OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU.

 

  1. Limitation of Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL Changed INC. OR ITS AFFILIATES, OR ANY OF ITS OR THEIR RESPECTIVE LICENSORS OR SERVICE PROVIDERS, HAVE ANY LIABILITY ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE APPLICATION OR THE CONTENT AND SERVICES FOR:

(a) PERSONAL INJURY, PROPERTY DAMAGE, LOST PROFITS, COST OF SUBSTITUTE GOODS OR SERVICES, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, COMPUTER FAILURE OR MALFUNCTION OR ANY OTHER CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL OR PUNITIVE DAMAGES

(b) DIRECT DAMAGES IN AMOUNTS THAT IN THE AGGREGATE EXCEED THE AMOUNT ACTUALLY PAID BY YOU FOR THE APPLICATION.

IN PARTICULAR, Changed INC. AND ITS AFFILIATES RELY ON YOUR INPUT OF CORRECT BANKING, LOAN SERVICE PROVIDER, AND OTHER FINANCIAL INFORMATION IN ORDER TO PROVIDE YOU WITH THE SERVICES AVAILABLE THROUGH THE APPLICATION. IN NO EVENT WILL Changed INC. OR ITS AFFILIATES BE LIABLE FOR ERRONEOUS TRANSFERS OF, OR A FAILURE TO CORRECTLY TRANSFER, FUNDS WHERE SUCH ERROR OR FAILURE IS ATTRIBUTABLE TO INCORRECT BANKING, LOAN SERVICER PROVIDER OR OTHER FINANCIAL INFORMATION.

 

THE FOREGOING LIMITATIONS WILL APPLY WHETHER SUCH DAMAGES ARISE OUT OF BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE AND REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR Changed INC. WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY SO SOME OR ALL OF THE ABOVE LIMITATIONS OF LIABILITY MAY NOT APPLY TO YOU.

 

  1. Limitations on Apple’s Obligations.

(a) Changed is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the Application to conform to any applicable warranty, End User may notify Apple, and Apple will refund the purchase price for the Application to that End User. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be Changed’s sole responsibility.

(b) Changed and End User acknowledge that Changed, not Apple, is responsible for addressing any claims of End User or any third party relating to the App or End User’s possession and/or use of that Application, including, but not limited to: (i) product liability claims; (ii) any claim that Application fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.

(c) Changed and End User acknowledges that, in the event of any third party claim that the Application or End User’s possession and use of that Application infringes on that third party’s intellectual property rights, Apple, will not be responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.

 

  1. Electronic Fund Transfers ("EFTs") and Account Balances. By creating an account with the Changed App and initiating bank deposits or withdraws (i.e. ETFs), you agree to the terms of service and privacy policy of our financial software provider, SynapseFI, and SynapseFI financial institution partner’s Terms of Service & Privacy Policy (https://SynapseFI.com/legal) (“SynapseFI TOS”) which are incorporated herein by reference. Terms not defined in this section shall be defined in SynapseFI TOS.

 

By using our services, you authorize Changed to hold your deposits for your benefit at Evolve Bank & Trust, Member FDIC, in an account (“FBO Account”). You also agree to Evolve Bank & Trust's Privacy Policy (https://synapsefi.com/evolve-privacy). For purposes of applicable FDIC deposit insurance limitations, please note that deposits in Evolve Bank & Trust FBO Account may not be separately insured from any other deposit accounts you may have with Evolve Bank & Trust.

 

The following disclosures are made in accordance with the federal law regarding electronic payments, deposits, transfers of funds and other electronic transfers to and from your account(s). There may be limitations on account activity that restrict your ability to make electronic fund transfers. Any such limits are disclosed in the appropriate agreements governing your account.

 

  1. Definitions: Electronic Fund Transfer: Any transfer of funds, other than a transaction originated by check, draft or similar paper instrument, that is initiated through an electronic device or computer to instruct us to debit or credit an account. Electronic Fund Transfers include such electronic transactions as direct deposits or withdrawals of funds, transfers initiated via telephone, website or mobile application. Preauthorized Electronic Fund Transfer: An Electronic Fund Transfer that you have authorized in advance to recur at substantially regular intervals; for example, direct deposits into or withdrawal of funds out of your account.

 II. Your Liability: Authorized Transfers: You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly. Unauthorized Transfers: Tell us at once if you believe your account or PIN or Access Information (as defined below) is lost or stolen or has been or may be subject to unauthorized Electronic Fund Transfers. Support message us immediately to keep your possible losses to a minimum. You could lose all the money in your account(s). If you tell us within two (2) Business Days after learning of the loss or theft of your account access device, or after learning of any other unauthorized transfers from your account involving your account access device, you can lose no more than $50 if Electronic Fund Transfers are made without your permission. For these transactions, if you DO NOT tell us within two (2) Business Days after learning of the loss, theft or unauthorized use, and we can establish that we could have prevented the unauthorized transfer(s) if you had told us in time, you could lose as much as $500. Also, if your periodic account statement shows unauthorized transfers and you DO NOT tell us within sixty (60) days after the statement was delivered to you, you may not get back any money you lose after the sixty (60) day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected lost or stolen access device or of any other suspected unauthorized transfer(s), the time periods specified in this Section B may be extended for a reasonable period.

 

  1. Errors or Questions about Transactions. Please contact us by emailing us at support@Changedapps.com (1) if you believe a transaction receipt or a statement is wrong, or (2) if you need more information about a transaction on the receipt or statement. For consumer accounts, we must hear from you no later than sixty (60) days after we sent you the first statement on which the error or problem appeared. For business accounts, we must hear from you within one (1) Business Day of us sending you a receipt. Your inquiry must include: (x) your name, email associated with your account, and your account number (if available); (y) a description of the error or the transaction you are unsure about, and a clear explanation of why you believe there is an error or why you need more information; and (z) the dollar amount of the suspected error. If you tell us orally, we may require that you send us your inquiry via email within ten (10) Business Days.

 

  1. Time Periods
  2. Ten-Day Time Period - Changed will investigate promptly and, except as otherwise provided in this paragraph, shall determine whether an error occurred within ten (10) Business Days of receiving a notice of error. Changed shall report the results to the consumer in writing within three (3) Business Days after completing its investigation. Changed shall correct the error within one (1) Business Day after determining that an error occurred.
  3. Forty Five-Day Time Period - If Changed is unable to complete its investigation within ten (10) Business Days, Changed may take up to forty-five (45) days from receipt of a notice of error to investigate and determine whether an error occurred, provided Changed does the following:
  4. a) Provisionally credits the consumer's account in the amount of the alleged error (including interest where applicable) within ten (10) Business Days of receiving the error notice. Changed need not provisionally credit the consumer's account if:

(1) Changed does not receive written confirmation within ten (10) Business Days of an oral notice of error; or

(2) The alleged error involves an account that is subject to Regulation T (Securities Credit by Brokers and Dealers, 12 CFR part 220);

  1. b) Informs the consumer, within two (2) Business Days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation;
  2. c) Corrects the error, if any, within one (1) Business Day after determining that an error occurred; and
  3. d) Reports the results to the consumer within three (3) Business Days after completing its investigation (including, if applicable, notice that a provisional credit has been made final).

 

  1. Extension of time periods. The time periods described above may be extended as follows:
  2. a) Extension of Ten-Day Time Period - The time limit for resolution is extended to twenty (20) Business Days in place of ten (10) Business Days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made; or
  3. b) Extension of Forty-Five-Day Time Period - The time limit for resolution is extended to ninety (90) days in place of forty-five (45) days for completing an investigation, if a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made.

 

We have partnered with SynapseFI, a financial services software company, to offer you Changed App’s services to help you make payments toward your loan debt. When you sign up for an account with the Changed App, you will also be prompted to sign up for a SynapseFI User Account (as defined in SynapseFI TOS). You authorize us to share your identity and banking information with SynapseFI to open and support your User Account as further details in our Privacy Policy, available within the Changed App or at https://goChanged.com/legal/ and SynapseFI’s Privacy Policy. It is your responsibility to make sure the data you provide us is accurate and complete. Additionally, you are responsible for complying with SynapseFI TOS when using your User Account. It is your responsibility to read and understand SynapseFI TOS as it contains terms and conditions relating to your SynapseFI user account including but not limited to Your Rights, Limitations, reversal and other Liabilities, Limitation Of Liability and binding Arbitrations Provisions.

 

When you open a SynapseFI User Account, you will link a checking or savings account to perform ETF and, if applicable, deposit funds into your SynapseFI User Account. Deposits into your User Account are held by SynapseFI's financial institution partners as detailed in SynapseFI TOS. DEPOSITS HELD IN A USER ACCOUNT MAY BE ELIGIBLE INSURANCE BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (“FDIC”) ON A PER USER BASIS DEPENDING ON THE RULES AND LIMITATIONS SET FORTH BY THE FDIC. FOR PURPOSES OF APPLICABLE FDIC DEPOSIT INSURANCE LIMITATIONS, DEPOSITS IN ACCOUNTS AT THE FINANCIAL INSTITUTIONAL PARTNER(S) OPENED THROUGH THE FINANCIAL INSTITUTIONAL PARTNER(S) WITH SynapseFI MAY NOT BE SEPARATELY INSURED FROM ANY OTHER ACCOUNTS YOU MAY HAVE OPENED WITH THE FINANCIAL INSTITUTIONAL PARTNER(S), DEPENDING ON THE NAMED ACCOUNT OWNERS.

 

I authorize Changed to debit the account indicated for the recurring transactions according to the online form and my agreement with Changed. I will not dispute Changed so long as the transactions correspond to such terms. This payment authorization is valid and will remain effective unless I cancel this authorization by emailing Changed at support@Changedapps.com at least three (3) Business Days in advance.

 

All EFT transactions are performed by and deposits are held by SynapseFI financial institution partner. Changed and SynapseFI only transmit transaction instructions to SynapseFI’s financial institution partner and do not hold deposits in your SynapseFI User Account. Changed will provide you with all transactions notifications and User Account balances in addition to providing customer support relating to your SynapseFI User Account ad detailed below.

 

  1. Transactions History and Disputes. All questions regarding ETF transactions or your SynapseFI User Account must be directed to support@Changedapps.com or (800) 557-9419 within sixty (60) days and not to SynapseFI or its financial institution partners. Changed is responsible for resolving issuers and errors relating to transactions and account balances. If you wish to make a financial service complaints against Changed, you may email help@SynapseFI.com.

 

  1. Terms of Plaid Services. The Changed App uses Plaid Technologies, Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant Changed and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy.

 

  1. Identifying Information. We may at any time require you to provide additional information in order to verify your identity. This information may include your full name, address, telephone number, date of birth, or such other information or documentation as we may deem necessary. Such information may be required, for instance, in order to meet our legal obligations or the requirements of our financial service partners and their financial institution partners.

 

  1. Indemnification. You agree to indemnify, defend and hold harmless Changed and its officers, directors, employees, agents, affiliates, successors and assigns from and against any and all losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of whatever kind, including attorneys’ fees, arising from or relating to your use or misuse of the Application or your breach of this Agreement. Furthermore, you agree that Changed assumes no responsibility for the content you submit or make available through this Application.

 

  1. Export Regulation. The Application may be subject to US export control laws, including the US Export Administration Act and its associated regulations. You shall not, directly or indirectly, export, re-export or release the Application to, or make the Application accessible from, any jurisdiction or country to which export, re-export or release is prohibited by law, rule or regulation. You shall comply with all applicable federal laws, regulations and rules, and complete all required undertakings (including obtaining any necessary export license or other governmental approval), prior to exporting, re-exporting, releasing or otherwise making the Application available outside the US.

 

  1. Notice. Changed may provide you with notices, including those regarding changes to this Agreement, using any reasonable means, which may include email, SMS, MMS, text message or postings in the App. Such notices may not be received if you violate this Agreement by accessing the Service in an unauthorized manner. You agree that you are deemed to have received any and all notices that would have been delivered had you accessed the Service in an authorized manner.

 

  1. Developer Contact Information. End User may direct questions, complaints or claims with respect to the Application to Changed at:

 

Changed Inc.

433 W. Van Buren St. Suite 1100-J

Chicago, IL 60607

(800) 557-9419

support@Changedapps.com

 

  1. Severability. If any provision of this Agreement is illegal or unenforceable under applicable law, the remainder of the provision will be amended to achieve as closely as possible the effect of the original term and all other provisions of this Agreement will continue in full force and effect.

 

  1. Governing Law. This Agreement, and any dispute between you and Changed, shall be governed by and construed in accordance with the internal laws of the state of Illinois without regard to principles of conflicts of law. Any legal suit, action or proceeding arising out of or related to this Agreement or the App shall be instituted exclusively in the federal or state courts of Cook County, Illinois, USA, and you and Changed consent to personal jurisdiction in those courts.

 

  1. Limitation of Time to File Claims. ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE APPLICATION MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

 

  1. Entire Agreement. This Agreement and our Privacy Policy constitute the entire agreement between you and Changed with respect to the Application and supersede all prior or contemporaneous understandings and agreements, whether written or oral, with respect to the Application.

 

  1. Changes to the Agreement and Services. Changed reserves the right to make changes to this Agreement and the Services provided through the Application from time to time. If we make material changes to the Agreement, we will notify you either by sending you a notification by email, or by a notice displayed within the Application. Continued use of the Application following such notice will constitute your acceptance of the changes. If you do not wish to continue using the Application following such changes to the Agreement or the Services, you may cancel your subscription.

 

  1. User Suggestions. From time to time, to provide the best service and user experience, Changed may modify the Services provided through the Application based on your suggestions. By providing us with any such suggestions, you waive any moral rights you might have with respect to any such suggestions you provide to us. You also grant us the right to use any material, information, ideas, concepts, know-how or techniques contained in any communication you provide or otherwise submit to us for any purpose whatsoever, including but not limited to, commercial purposes, and developing, manufacturing and marketing commercial products using such information. All rights in this paragraph are granted without the need for additional compensation of any sort to you.

 

  1. Survival. Any provision of this Agreement which contemplates performance or observance subsequent to any termination or expiration of this Agreement shall survive any termination or expiration of this Agreement and continue in full force and effect. Such provisions include but are not limited to sections governing refunds and unclaimed property.

 

  1. Waiver. No failure to exercise, and no delay in exercising, on the part of either party, any right or any power hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or power hereunder preclude further exercise of that or any other right hereunder. In the event of a conflict between this Agreement and any applicable purchase or other terms, the terms of this Agreement shall govern.

 

  1. Business Day. "Business Day" means a day other than a Saturday, Sunday or other day on which commercial banks in Chicago, Illinois are authorized or required by Law to be closed for business.

 

35f. Non-transferable account. You agree that your Application account is non-transferable and all of your rights to your profile or contents within your Application account terminate upon your death. No agency, partnership, joint venture or employment is created as a result of this Agreement and you may not make any representations or bind Changed in any manner.

Changed Perks Student Loan Payment Giveaway

Official Rules

NO PURCHASE NECESSARY. A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING.

 

THE FOLLOWING PROMOTION IS INTENDED FOR VIEWING IN THE UNITED STATES ONLY AND SHALL ONLY BE CONSTRUED AND EVALUATED ACCORDING TO UNITED STATES LAW. DO NOT PROCEED ON THIS SITE IF YOU ARE NOT LOCATED IN THE UNITED STATES.

 

1. Eligibility: The Changed Perks Student Loan Payment Giveaway (the “Giveaway”) is open only to Members of The Changed App, defined as those persons who have downloaded the Changed App (Download link available at www.gochanged.com), signed up with an email address and completed their Changed profile, who are legal residents of the fifty (50) United States and the District of Columbia and who are at least eighteen (18) years old at the time of entry. Employees of­­­­­­ Changed Inc. and its parent and affiliate companies as well as the immediate family (spouse, parents, siblings and children) and household members of each such employee are not eligible. Subject to all applicable federal, state, and local laws and regulations. Void where prohibited. Participation constitutes each entrant’s full and unconditional agreement to these Official Rules and Sponsor’s decisions, which are final and binding in all matters related to the Giveaway. Winning a prize is contingent upon fulfilling all requirements set forth herein.

 

2. Sponsor: ­­­­Changed Inc., 433 W. Van Buren St. Suite 1100-J, Chicago, IL 60607.

 

3. Timing: The Giveaway begins at 12:01 a.m. CT on 03/02/2019 and ends on 11:59 p.m. CT on 12/31/2023 (the "Giveaway Period").

 

4. How to Enter: Members (as defined above) gain one Entry for each point earned by completing milestones via the Changed App Perks landing page within the mobile app during the Giveaway Period. Each Point will be credited to a Member's account as an entry in a weekly random drawing to be held during the Giveaway Period. Changed will handle the tracking of qualifying points. Additional milestone events to qualify for an entry may be added from time to time during the Giveaway Period. Additions will be posted at https://www.gochanged.com/perks. Qualifying events include referring a non-member who joins Changed and makes their first transfer (defined as any transfer of funds from their linked checking account to their Changed account), following our social pages, completing your Changed Profile, and other events that may be added from time to time. See https://www.gochanged.com/perks for a complete list of entry “Points.” Alternate Means of Entry: Changed App Members can also enter during the Giveaway Period by sending a postcard with their name, email address and phone number to: ATTN: Changed Perks Student Loan Payment Giveaway, Changed Inc., 433 W. Van Buren St. Suite 1100-J, Chicago, IL 60607. Limit one postcard entry per Member per week.

 

 

Use of any automated system to participate is prohibited and will result in disqualification. In the event of a dispute as to any registration, the authorized account holder of the email address used to register will be deemed to be the registrant. 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. The potential winner may be required to show proof of being the authorized account holder. Only one email address is permitted per natural person entering the Giveaway.

 

5. Grand Prize Drawings: Sponsor’s decisions as to the administration and operation of the Giveaway and the selection of the potential winners are final and binding in all matters related to the Giveaway. Weekly on Friday beginning 03/08/2019, Sponsor will conduct a random drawing to select the potential Sweepstakes winner from all eligible entries received during the Entry Period. The potential winner will be notified by mail, email or phone. Each potential winner (parent/legal guardian if winner is a minor in his/her state of residence) will be required to sign and return to Sponsor, within ten (10) days of the date notice or attempted notice is sent, an Affidavit of Eligibility and Liability & Publicity Release in order to claim his/her prize. If a potential winner cannot be contacted, fails to sign and return the Affidavit of Eligibility, Liability & Publicity Release within the required time period, or prize is returned as undeliverable, potential winner forfeits prize. Potential winner must continue to comply with all terms and conditions of these Official Rules, and winning is contingent upon fulfilling all requirements. In the event that a potential winner is disqualified for any reason, Sponsor will award the applicable prize to an alternate winner by random drawing from among all remaining eligible entries. Only three (3) alternate drawings will be held after which the prize for that week will remain un-awarded.

 

6. Prizes: Each qualifying winner will receive $100 or other amount to be added to their Changed account balance that will then be sent to their student loan on file. If a winner is not a Changed member, Changed will contact the winner to determine what student loan account payment should be submitted to. If the winner does not have a student loan account to pay against, their prize will be forfeited. The Approximate Retail Value of each weekly prize is $100. Prize is non-transferable and no substitution will be made except as provided herein at the Sponsor’s sole discretion. Sponsor reserves the right to substitute a prize for one of equal or greater value if the designated prize should become unavailable for any reason. Winner is responsible for all taxes and fees associated with prize receipt and/or use. Odds of winning a prize depend on the number of eligible entries received during the Giveaway Period. Limit: One (1) prize per person during the Giveaway Period.

 

7. Third-Party Sponsored Prizes: From time to time Changed may partner with a third party to sponsor the Changed Perks Program. A sponsored perk is in place as the perks program giveaway during a sponsorship period. Sponsored winnings vary based on sponsorship and require you to achieve a specific milestone to qualify for the sponsored Changed Perks offer.

 

8. Release: By receipt of any prize, winner agrees to release and hold harmless Sponsor, Changed Inc., and their respective agents, subsidiaries, affiliates, suppliers, distributors, advertising/promotion agencies, and prize suppliers, and each of their respective parent companies and each such company’s officers, directors, employees and agents (collectively, the “Released Parties”) from and against any claim or cause of action, including, but not limited to, personal injury, death, or damage to or loss of property, arising out of participation in the Giveaway or receipt or use or misuse of any prize.

 

9. Publicity: Except where prohibited, participation in the Giveaway constitutes winner’s consent to Sponsor’s and its agents’ use of winner’s name, likeness, photograph, voice, opinions and/or hometown and state for promotional purposes in any media, worldwide, without further payment or consideration.

 

10. General Conditions: Sponsor reserves the right to cancel, suspend and/or modify the Giveaway, or any part of it, if any fraud, technical failures or any other factor beyond Sponsor’s reasonable control impairs the integrity or proper functioning of the Giveaway, as determined by Sponsor in its sole discretion. Sponsor reserves the right, in its sole discretion, to disqualify any individual it finds to be tampering with the entry process or the operation of the Giveaway or to be acting in violation of these Official Rules or any other Promotion or in an unsportsmanlike or disruptive manner. Any attempt by any person to deliberately undermine the legitimate operation of the Giveaway may be a violation of criminal and civil law, 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. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision.

 

 11. Limitations of Liability: The Released Parties are not responsible for: (1) any incorrect or inaccurate information, whether caused by entrants, printing errors or by any of the equipment or programming associated with or utilized in the Giveaway; (2) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (3) unauthorized human intervention in any part of the entry process or the Giveaway; (4) technical or human error which may occur in the administration of the Giveaway or the processing of entries; (5) late, lost, undeliverable, damaged or stolen mail; or (6) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from entrant’s participation in the Giveaway or receipt or use or misuse of any prize. If for any reason an entrant's entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, entrant’s sole remedy is another entry in the Giveaway, provided that the Entry Period has not ended. If the Giveaway is canceled, suspended or modified, Sponsor, in its sole discretion, may elect to hold a random drawing from among all eligible entries received up to the date of discontinuance for any or all of the prizes offered herein. No more than the stated number of prizes will be awarded. In the event that production, technical, seeding, programming or any other reasons cause more than stated number of prizes as set forth in these Official Rules to be available and/or claimed, Sponsor reserves the right to award only the stated number of prizes by a random drawing among all legitimate, un-awarded, eligible prize claims.

 

12. Disputes: Except where prohibited, each entrant agrees that any and all disputes, claims and causes of action arising out of, or connected with, the Giveaway or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by United States District Court for the Northern District of Illinois and the Illinois State District Court in Cook County, Illinois. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, entrant’s rights and obligations, or the rights and obligations of the Sponsor in connection with the Giveaway, shall be governed by, and construed in accordance with, the laws of the State of Illinois, without giving effect to any choice of law or conflict of law rules (whether of the State of Illinois or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Illinois.

 

13. Entrant's Personal Information: Information collected from entrants is subject to https://www.gochanged.com/legal.

 

14. Winner List/Official Rules: For a Winners’ List and/or a copy of these Official Rules, send a hand-printed, self-addressed, stamped envelope by December 31, 2020 to “Changed Perks Student Loan Payment Giveaway” c/o Changed Inc., 433 W. Van Buren St. Suite 1100-J, Chicago, IL 60607. VT residents may exclude return postage for Official Rules.

 

15. Mailing List Name Removal Notification System: If you would like your name removed from Sponsor’s mailing list, call 800-557-9419 or email support@changedapps.com.

Changed $1500 Instagram Giveaway 2022

CHANGED SWEEPSTAKES RULES

 

“No Dumb Purchases $1500 Giveaway

ARTICLE 1 – ORGANIZING COMPANY AND PERIOD

These terms and conditions (which we will refer to as our "General Sweepstakes Terms") are the overarching general terms and conditions that apply to all the Sweepstakes promoted by Changed Inc. (which we will refer to as Changed, "we" or "us"). We refer to all these Sweepstakes as the "Sweepstakes" in these General Terms.

In addition to these General Terms, Sweepstakes will also have their own specific terms and conditions (such as the details of how to enter, the opening/closing dates and the sort of prize you may win). Any such Sweepstakes-specific terms and conditions will be made available as part of the promotion of the particular Sweepstakes in publications and/or online. In these General Terms, we will refer to these Sweepstakes-specific terms and conditions as the "Specific Terms".

Changed Inc. is a company registered in the USA with its registered office at 433 W. Van Buren St. #1100-J Chicago, IL 60607. You can write to us at this address if you have any concerns in relation to any of our Sweepstakes, setting out clearly (i) the name of the Sweepstakes, (ii) the name of our publication or website running the Sweepstakes and (iii) your issue.

Organizes from 09/15/2022 to 09/30/2022, these dates included, a giveaway free of charge and no purchase necessary, tentatively or definitively entitled “No Dumb Purchases $1500 Giveaway”, (hereinafter the “Game”).

 

ARTICLE 2 - ELIGIBILITY

This giveaway is only open to anyone over the age of 18, legally residing within the USA with an internet connection and a valid e-mail address of Instagram Profile (hereinafter the “Entrants”).

Employees of Organizing Company and any person who has directly or indirectly participated in the conception, the realization or the management of the Game, including their spouses (marriage, civil union, common-law marriage), families’ members: ascendants and direct descendants or other relatives: household and non-household members are not eligible.

The Organizing Company may at any time request from any Entrant to demonstrate compliance with the Rules and eligibility requirements set forth herein. Any Entrant who does not comply with the Rules and requirements set forth herein or who refuses to demonstrate compliance with such will be excluded from the Game and will not be able, in case of prize award, to obtain it.

By participating to the Game, the Entrant agrees to be fully unconditionally bound by these rules (the “Rules”), the rules of professional conduct in force on the internet, as well as all applicable laws and regulations for free games in force in the French territory.

This Game is available on social media (Instagram), but is not sponsored, endorsed or administered by those social media, nor is it associated with them. Those social media may not be held responsible for any element of this Game.

This Game is available on smartphones, but Apple, Microsoft, Google or any other mobile application platform will not be held responsible in the event of any dispute related to this Game.

ARTICLE 3 – ENTRY AND ENTRY METHODS

Entry

To participate in the Game, Entrants must:

  1. Follow the Changed Apps Instagram Page 
  2. Tag two friends in the comments on a specified post
  3. For 2x points, tag @changedap with a picture of your #DumbPurchases and use the hashtags #NoDumbPurchases #Changed and #DoDebtDifferently

Sweepstakes Mechanics

This Game takes place exclusively on our Instagram page here https://www.instagram.com/changedapp/ where a post identified on the page is the qualifying post to submit an entry.

Requirements for Participating in the Game

Entries that are incomplete, fraudulent, automated or erroneous will be disqualified. Any Entry made contrary to the provisions of the Rules will render the entry invalid.

 

ARTICLE 5 – WINNING ENTRANT(S) SELECTION AND SHIPPING/PRESENTATION OF PRIZES

A totally random algorithm implemented by a sub-contractor of the Organizing Company will instantly designate the Winning Entrants.

 Only the Winning Entrants will receive a direct message on Instagram within 14 days of the end of the sweepstakes. The Organizing Company shall in no case be held liable responsible for any incorrect contact information provided by the Winning Entrant.

Any additional cost for taking possession of the prizes shall be borne by the Winning Entrants. The Winning Entrant(s) hereby irrevocably waive(s) to claim any compensation from the Organizing Company and/or the contractors and/or partners.

Any prize that would be returned by the post office or the contractor in charge of the shipping, for whatever reason (for example: “no longer at this address”), shall be considered as permanently refused by the Winning Entrant who in such case shall have no grounds for claim.

If a Winning Entrant does not or cannot, for any reason whatsoever, take possession of the prize or benefit from all or part of the awarded prize as provided for under these Rules, such prize shall be considered as having been permanently refused by the Winning Entrant who in such case shall have no grounds for claim.

Entrants who have not won will not receive any message.

All prizes must be claimed within twenty-one (21) days of our notification of winning unless otherwise stated. We reserve the right to award prizes unclaimed after this period to alternative prizewinners or not to award them at all and we shall have no liability in respect of the entry initially selected. Any prize which is returned as undelivered will be used for another Sweepstakes or sent to charity.

Prize Limits. No person or persons at the same residential address may win more than one (1) prize valued at five hundred USD ($500) or more via any of our Sweepstakes in any six (6) month period.

  

ARTICLE 6 – LIMITATION OF LIABILITY

The Organizing Company shall not be held liable if, due to force majeure or any event beyond its control, the Game covered by the Rules should be cancelled, extended, shortened, postponed, or modified.

The liability of the Organizing Company shall not be incurred in the event of force majeure or fortuitous events beyond its control.

The Organizing Company shall not be held responsible for delays, losses, thefts, damage to mail, lack of legibility of stamps due to postal services. It shall also not be held liable and no recourse may be taken against it in the event of the occurrence of events of force majeure (strikes, bad weather, etc.) partially or totally depriving Participants of the possibility of participating in the Game and/or the Winning Entrant(s) of the benefit of their winning(s).

The Organizing Company shall not be held liable for any delay in the dispatch of the prizes and lots when this delay is not attributable to it, but is the fault of the service provider that it uses to carry out this dispatch. It shall not incur any contractual or legal liability in respect of operations relating to the transport of the prizes and lots awarded. The Organizing Company shall not be held liable for any damage, theft or loss during transport and delivery of the package.

The Organizing Company declines all responsibility in the event of any incident and/or accident that may occur during the use or enjoyment of the prize won and/or due to its improper use by the Winning Entrant(s), it being incumbent on the Winning Entrant(s) to take out their corresponding insurance.

The Organizing Company, as well as its service providers and partners, may not be held liable for the loss or theft of the prizes by the beneficiaries once the Winning Entrant(s) have taken possession of them.

The Organizing Company shall not be held liable for direct or indirect damages, whatever the causes, origins, nature, or consequences, even though the Organizing Company may have been advised of the likelihood of such damages, caused by reasons of:

 

  • the malfunctioning of the internet network and/or any computer, and/or hardware and/or software and/or database of an Entrant or of any person or company in relation with the organizing of the Game, and more generally, any problem deriving from (tele)communication networks, processes, and services, from computers (on and offline), servers, internet service providers (the “ISP”) and/or web hosts, computer hardware, databases, and personal data;

 

  • Anyone’s access to the website whose URL is https://www.instagram.com/changedapp/ (the “Website”) or inaccessibility to it;

 

  • Accessibility or inaccessibility to the Website, including any tampering, virus, bug infecting the computer hardware of the Entrant, and/or the Organizing Company’s and/or any other property.

 

ARTICLE 7 – FREE PARTICIPATION

For information, the Entrants using access providers globally integrating the telephone and internet connections into the current offers and services, the participation in Giveaway is free of charge, the Entrants declaring that they have already it available for their use.

 

ARTICLE 8 – INTELLECTUAL PROPERTY

Ownership of the Organizing Company

Reproduction, display, or exploitation of all or in part of the elements forming the Game, Rules included are strictly prohibited.

All trademarks, logos, texts, images, videos and other distinctive signs reproduced on any communication medium relating to the Game, including the Site, and on sites to which it allows access via hypertext links, are the exclusive property of their owners and are protected as such by the provisions of the Code of Intellectual Property for the whole world. Their unauthorized reproduction constitutes an infringement and can be deemed a criminal offense.

Any unauthorized reproduction of these trademarks, logos, and signs, in full or in part, constitutes an infringement and can be deemed a criminal offense.

ARTICLE 9 – OBTAINING THE RULES

Rules can be sent upon request, at no cost to requestor (postage reimbursed if asked for) sent to the Organizing Company at the following address:

433 W. Van Buren St. #1100-J Chicago, IL 60607

Rules can be accessed on our Instagram Profile.

ARTICLE 10 – DECISIONS OF THE ORGANIZING COMPANY

 The Organizing Company reserves the right to amend, at any time the Rules and take any decisions it deems fit relating to the enforcement and interpretation of the Rules. In particular, the duration of the Game can be prolonged, shortened, or otherwise modified. The Organizing Company will notify Entrants of such by the means it deems fit. The Organizing Company further reserves the right, without prior notice or obligation, to modify, prolong, shorten, suspend, postpone, or cancel the Game, or to modify access and/or operating procedures.

 The liability of the Organizing Company may not be engaged in respect of the foregoing and the Participants may therefore not claim any compensation or indemnity of any nature whatsoever.

ARTICLE 11 – FRAUD

If it turns out that a Participant wins a prize in contravention of the Rules or by fraudulent or unfair means, such prize shall not be awarded to him/her and shall remain the property of the Organizing Company or of possible partner companies of the Giveaway, without prejudice to any legal proceedings that may be brought against the Entrant by the Organizing Company or by any third party.

Any fraud, attempt or suspected attempt to use robotic, automatic, programmed, or otherwise, illicit means to enter the Sweepstakes, or any other methods not authorized by these Sweepstakes Rules, for example, but not limited to, entering multiple times, shall be deemed as tampering and may disqualify you from entering, participating, winning prizes (defined herein), and preclude you from participating in future contests and promotions, at the sole discretion of Sponsor. Entries that are late, lost, stolen, illegible, contain false information, are damaged, misdirected, mutilated, garbled or incomplete, altered or otherwise irregular or that do not conform with or satisfy any or all of the conditions these Rules will be judged void.

ARTICLE 12 – DISPUTE

These General Terms (and any Specific Terms) shall be construed in accordance with and governed by the laws of Illinois, USA.

Except in the case of manifest errors, it is agreed and understood that the information resulting from the Giveaway systems of the Organizing Company shall have probative force in any dispute arising out of the connection elements and the computer processing of such information relating to the Game.

Any claim shall be sent in writing only to the headquarters of the Organizing Company, at the address set forth above in Article 1 within thirty (30) days from the closing of the Game. Past this thirty (30) day period, no claim will be accepted.

In case of any dispute arising out of or connected with this Game between the Entrant and the Organizing Company which cannot be resolved between the parties, shall be resolved before a court having jurisdiction in accordance with the provisions of the Civil Procedures Code.

 No response will be provided to requests, whether oral or written, with regards to the interpretation or the enforcement of the Rules, the mechanisms or terms of the Game nor the list of Winning Entrants.

 

Works Cited

Add-on interest Definition. (n.d.). Retrieved from https://www.bankrate.com/glossary/a/add-on-interest/

Bernardo, R. (2015, March 17).

 

Credit Union vs. Bank: What's the Difference? Retrieved from https://wallethub.com/edu/sa/credit-union-vs-bank/115

Dealing With a Loan Default. (n.d.). Retrieved from https://loans.usnews.com/articles/what-happens-if-you-default-on-a-loan

 

DePersio, G. (2021, April 05). Simple Interest vs. Compound Interest: What's the Difference? Retrieved from https://www.investopedia.com/ask/answers/032515/how-can-i-tell-if-loan-uses-simple-or-compound-interest.asp

 

Eneriz, A. (2021, March 27). Debt Avalanche vs. Debt Snowball: What's the Difference? Retrieved from https://www.investopedia.com/articles/personal-finance/080716/debt-avalanche-vs-debt-snowball-which-best-you.asp

 

Helhoski, A. (2021, April 05). Student Loan Interest Rates: Federal, Private, Refinancing. Retrieved from https://www.nerdwallet.com/article/loans/student-loans/student-loan-interest-rates

 

Helhoski, A. (2021, January 22). How to Get a Student Loan. Retrieved from https://www.nerdwallet.com/article/loans/student-loans/how-to-get-student-loan

 

Irby, L. (2021, January 12). What Is Debt Consolidation? Retrieved from https://www.thebalance.com/what-you-must-know-about-debt-consolidation-960652#alternatives-to-debt-consolidation

 

Jayakumar, A. (2021, March 16). What Is Debt Consolidation, and Should I Consolidate? Retrieved from https://www.nerdwallet.com/article/finance/consolidate-debt

 

Kirkham, E. (n.d.). Where to Find Out Who Your Student Loan Servicer Is. Retrieved from https://www.thebalance.com/finding-your-student-loan-servicer-4768691

Lake, R. (2021, March 26).

 

6 Types Of Savings Accounts. Retrieved from https://www.forbes.com/advisor/banking/types-of-savings-accounts/

 

McGurran, B. (2020, October 21). Student Loan Servicers: Who They Are and What They Do. Retrieved from https://www.nerdwallet.com/article/loans/student-loans/who-is-my-loan-servicer

 

O'Shea, B. (2021, March 03). Budgeting 101: How to Budget Money. Retrieved from https://www.nerdwallet.com/article/finance/how-to-budget

 

Pant, P. (2020, May 04). Understanding the Difference Between Fixed and Variable Expenses. Retrieved from https://www.thebalance.com/what-s-the-difference-between-fixed-and-variable-expenses-453774

 

Pritchard, J. (2020, December 01). What Is a Prepayment Penalty & How Can You Avoid Paying One? Retrieved from https://www.thebalance.com/prepayment-penalty-the-basics-315632

 

Pritchard, J. (2020, October 06). What Is Refinancing? Retrieved from https://www.thebalance.com/what-is-refinancing-315633#pros-and-cons-of-refinancing

 

Pritchard, J. (2020, October 15). What Is a Co-signer? Retrieved from https://www.thebalance.com/co-signing-how-to-find-a-co-signer-315537

 

Pritchard, J. (n.d.). Compound Interest Makes Your Investments Grow. Retrieved from https://www.thebalance.com/compound-interest-4061154

 

Pritchard, J. (n.d.). What Happens When You Default on a Loan? Retrieved from https://www.thebalance.com/what-happens-when-you-default-on-a-loan-315393

 

Short-term vs long-term loans. (n.d.). Retrieved from https://www.nerdwallet.com/uk/loans/short-term-vs-long-term/

 

White, A. (2021, February 01). A good credit score can save you thousands of dollars-here's how to understand and check yours for free. Retrieved from https://www.cnbc.com/select/what-is-a-credit-score-and-how-to-check-yours-for-free/

 

Christy Rakoczy Bieber. (2020, December 03). What's the Difference Between a Credit Union and a Bank? Retrieved from https://www.creditkarma.com/advice/i/difference-between-credit-union-and-bank

Partner Terms and Conditions

General Partner Terms and Conditions

Terms and Conditions

 
 
Earnest
 

1. Loan Cost Examples: These examples provide estimates based on payments beginning immediately upon loan disbursement. Variable APR: A $10,000 loan with a 20-year term (240 monthly payments of $75) and a 6.48% APR would result in a total estimated payment amount of $17,865.51. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 20-year term (240 monthly payments of $75) and a 6.48% APR would result in a total estimated payment amount of $17,865.51. Your actual repayment terms may vary.

 

2. You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment from a checking or savings account. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in AutoPay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in AutoPay.

 

Actual rate and available repayment terms will vary based on your income. Fixed rates range from 4.64% APR to 9.24% APR (excludes 0.25% Auto Pay discount). Variable rates range from 4.24% APR to 8.54% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. The maximum rate for your loan is 8.95% if your loan term is 10 years or less. For loan terms of more than 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95%. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account.

 

Loan Eligibility criteria: Your debt is from paying for education at a Title IV accredited school. The debt is from your education or your child’s. The debt you’re refinancing is for a completed degree or one that will be completed at the end of this semester. You are currently the primary borrower on the student loans you would like to refinance, and you will remain the primary borrower after refinancing. You must reside in the District of Columbia or one of the 47 states Earnest Operations LLC is authorized to lend in (all but Delaware, Kentucky, and Nevada). This is strictly a student loan refinance product. There is no opportunity to borrow more than your outstanding qualifying student loan amount. You must be the age of majority in your state or older at the time you apply, as well as be a United States citizen or Permanent Resident Alien without conditions. Refinancing is subject to credit qualifications. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX.

 

You may lose benefits associated with your underlying federal and/or private loans if you refinance such as federal Income-drive Repayment Plans, Economic Hardship Deferment, Public Service Loan Forgiveness, or other determent and forbearance options. If you file for bankruptcy, you may still be required to pay back this loan.

 

Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. Earnest Operations LLC, NMLS #1204917. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Financing Law License 6054788. Visit Lending Licenses - Earnest for a full list of licensed states. For California residents (Student Loan Refinance Only): Loans will be arranged or made pursuant to a California Financing Law License.

 

One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries are not sponsored by or agencies of the United States of America.

 

© 2022 Earnest LLC. All rights reserved.

 

Changed receives compensation from Earnest on a per-funded loan basis.

 

 

Cash bonus and/or Roundup Match offers are provided directly by Changed. To qualify for this bonus you must go through the Changed and Earnest partnership link and fund your loan with Earnest. Bonus matches will be paid within 60 days of finalizing your new loan.

 

 

SoFi

*Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. Your existing student loan(s) must total a minimum of $5,000 to be eligible for refinancing. Minimum loan amount may be higher in specific states due to legal requirements. To qualify, a borrower must be a U.S. citizen or other eligible status, have graduated with an associate degree or higher from an eligible Title-IV-accredited college or graduate program, and meet SoFi’s underwriting requirements; see SoFi.com/eligibility. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Information current as of 10/14/19 and subject to change. Loans originated by SoFi Lending Corp (dba SoFi). Licensed by the DBO under the California Financing Law, license #6054612. NMLS #1121636 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details.

 


Changed receives compensation from SoFi on a per-funded loan basis.


1. Offer eligible for new student loan refinance customers only, who do not reside in the state of Ohio at the time their loan is funded, and may not be combined with any other offers or discounts-- apart from the autopay discount. Offer is subject to lender approval. To receive this offer, you must: (1) have a current Changed account; (2) complete a loan application with SoFi for a student loan refinance product; (3) register and/or apply through the landing page provided; (4) and meet SoFi’s underwriting criteria. Once conditions are met and your new loan has been disbursed, SoFi will begin to match the Changed roundups you accrue for three months, and up to $150 total. You will receive your Changed roundups value within 30 days of the end of the three-month period. SoFi reserves the right to change or terminate the offer at any time with or without notice. Additional restrictions or conditions may apply.

 

Advisory services are offered through SoFi Wealth, LLC a registered Investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.

 
 
 
  

LendKey

In the event that you would like to move forward with any of the conditional offers, you will be required to complete an application with the lender on the LendKey website, at which point we will conduct a credit report inquiry (which may affect your credit score).

Bonus offer is subject to lender approval. To receive this offer, you must: (1) have a current Changed account; (2) complete a loan application with LendKey for a student loan refinance product; (3) register and/or apply through the landing page in this email. Once conditions are met and your new loan has been disbursed, LendKey will begin to match the Changed roundups you accrue for three months, and up to $100 total. You will receive your Changed roundups value within 30 days of the end of the three-month period. LendKey reserves the right to change or terminate the offer at any time with or without notice. Additional restrictions or conditions may apply.

Changed receives compensation from LendKey for funded loans.

All loans offered via LendKey’s website are made by credit unions and banks participating on the LendKey platform. LendKey Technologies, Inc. (“LendKey”) is not a lender, nor does LendKey have any ownership interest in the loans originated on the platform.

Sofi Sponsorship Rules

SoFi Disclaimer

*Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. Your existing student loan(s) must total a minimum of $5,000 to be eligible for refinancing. Minimum loan amount may be higher in specific states due to legal requirements. To qualify, a borrower must be a U.S. citizen or other eligible status, have graduated with an associate degree or higher from an eligible Title-IV-accredited college or graduate program, and meet SoFi’s underwriting requirements; see SoFi.com/eligibility. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Information current as of 07/13/2020 and subject to change. Loans originated by SoFi Lending Corp (dba SoFi). Licensed by the DBO under the California Financing Law, license #6054612. NMLS #1121636 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details.

Changed receives compensation from SoFi on a per-funded loan basis.

1. Offer eligible for new student loan refinance customers only, who do not reside in the state of Ohio at the time their loan is funded, and may not be combined with any other offers or discounts-- apart from the autopay discount. Offer is subject to lender approval. To receive this offer, you must: (1) have a current Changed account; (2) complete a loan application with SoFi for a student loan refinance product; (3) register and/or apply through the landing page provided; (4) and meet SoFi’s underwriting criteria. Once conditions are met and your new loan has been disbursed, SoFi will begin to match the Changed roundups you accrue for three months, and up to $150 total. You will receive your Changed roundups value within 30 days of the end of the three-month period. SoFi reserves the right to change or terminate the offer at any time with or without notice. Additional restrictions or conditions may apply.

 

Advisory services are offered through SoFi Wealth, LLC a registered Investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov.

 

SoFi Sponsorship PERK RULES

 

NO PURCHASE NECESSARY. A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING.

 

THE FOLLOWING PROMOTION IS INTENDED FOR VIEWING IN THE UNITED STATES ONLY AND SHALL ONLY BE CONSTRUED AND EVALUATED ACCORDING TO UNITED STATES LAW. DO NOT PROCEED ON THIS SITE IF YOU ARE NOT LOCATED IN THE UNITED STATES.

 

1. Eligibility: The Changed<>SoFi Perks Student Loan Payment Giveaway (the “Giveaway”) is open only to Members of The Changed App, defined as those persons who have downloaded the Changed App (Download link available at www.goChanged.com), signed up with an email address and completed their Changed profile, who are legal residents of the fifty (50) United States and the District of Columbia and who are at least eighteen (18) years old at the time of entry. Employees of­­­­­­ Changed Inc. and its parent and affiliate companies as well as the immediate family (spouse, parents, siblings and children) and household members of each such employee are not eligible. Subject to all applicable federal, state, and local laws and regulations. Void where prohibited. Participation constitutes each entrant’s full and unconditional agreement to these Official Rules and Sponsor’s decisions, which are final and binding in all matters related to the Giveaway. Winning a prize is contingent upon fulfilling all requirements set forth herein.

 

2. Sponsor: ­­­­Changed Inc., 433 W. Van Buren St. Suite 1100-J, Chicago, IL 60607.

 

3. Timing: The Giveaway begins at 12:01 a.m. CT on 07/13/2020 and ends on 11:59 p.m. CT on 07/20/2020 (the "Giveaway Period").

 

4. How to Enter: Members (as defined above) gain one Entry for each point earned by completing milestones via the Changed App Perks landing page within the mobile app during the Giveaway Period. Each Point will be credited to a Member's account as an entry in a weekly random drawing to be held during the Giveaway Period. Changed will handle the tracking of qualifying points. A Qualifying event during The Changed<>SoFi Perks Student Loan Payment Giveaway includes viewing an in-app offer promoted by Changed and SoFi. Alternate Means of Entry: Changed App Members can also enter during the Giveaway Period by sending a postcard with their name, email address and phone number to: ATTN: Changed Perks Student Loan Payment Giveaway, 433 W. Van Buren St. Suite 1100-J, Chicago, IL 60607. Limit one postcard entry per Member per week.

Use of any automated system to participate is prohibited and will result in disqualification. In the event of a dispute as to any registration, the authorized account holder of the email address used to register will be deemed to be the registrant. 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. The potential winner may be required to show proof of being the authorized account holder. Only one email address is permitted per natural person entering the Giveaway.

 

5. Grand Prize Drawing: Sponsor’s decisions as to the administration and operation of the Giveaway and the selection of the potential winners are final and binding in all matters related to the Giveaway. On 07/21/2020, Sponsor will conduct a random drawing to select the potential Sweepstakes winner from all eligible entries received during the Entry Period. The potential winner will be notified by mail, email or phone. Each potential winner (parent/legal guardian if winner is a minor in his/her state of residence) will be required to sign and return to Sponsor, within ten (10) days of the date notice or attempted notice is sent, an Affidavit of Eligibility and Liability & Publicity Release in order to claim his/her prize. If a potential winner cannot be contacted, fails to sign and return the Affidavit of Eligibility, Liability & Publicity Release within the required time period, or prize is returned as undeliverable, potential winner forfeits prize. Potential winner must continue to comply with all terms and conditions of these Official Rules, and winning is contingent upon fulfilling all requirements. In the event that a potential winner is disqualified for any reason, Sponsor will award the applicable prize to an alternate winner by random drawing from among all remaining eligible entries. Only three (3) alternate drawings will be held after which the prize for that week will remain un-awarded.

 

6. Prizes: Each qualifying winner will receive $500 to be added to their Changed account balance which will then be sent to their student loan on file. If a winner is not a Changed member, Changed will contact the winner to determine what student loan account payment should be submitted to. If the winner does not have a student loan account to pay against, their prize will be forfeited. The Approximate Retail Value of the prize is $500. Prize is non-transferable and no substitution will be made except as provided herein at the Sponsor’s sole discretion. Sponsor reserves the right to substitute a prize for one of equal or greater value if the designated prize should become unavailable for any reason. Winner is responsible for all taxes and fees associated with prize receipt and/or use. Odds of winning a prize depend on the number of eligible entries received during the Giveaway Period. Limit: One (1) prize per person during the Giveaway Period.

 

7. Third-Party Sponsored Prizes: From time to time Changed may partner with a third party to sponsor the Changed Perks Program. A sponsored perk is in place as the perks program giveaway during a sponsorship period. Sponsored winnings vary based on sponsorship and require you to achieve a specific milestone to qualify for the sponsored Changed Perks offer.

 

8. Release: By receipt of any prize, winner agrees to release and hold harmless Sponsor, Changed Inc., and their respective agents, subsidiaries, affiliates, suppliers, distributors, advertising/promotion agencies, and prize suppliers, and each of their respective parent companies and each such company’s officers, directors, employees and agents (collectively, the “Released Parties”) from and against any claim or cause of action, including, but not limited to, personal injury, death, or damage to or loss of property, arising out of participation in the Giveaway or receipt or use or misuse of any prize.

 

9. Publicity: Except where prohibited, participation in the Giveaway constitutes winner’s consent to Sponsor’s and its agents’ use of winner’s name, likeness, photograph, voice, opinions and/or hometown and state for promotional purposes in any media, worldwide, without further payment or consideration.

 

10. General Conditions: Sponsor reserves the right to cancel, suspend and/or modify the Giveaway, or any part of it, if any fraud, technical failures or any other factor beyond Sponsor’s reasonable control impairs the integrity or proper functioning of the Giveaway, as determined by Sponsor in its sole discretion. Sponsor reserves the right, in its sole discretion, to disqualify any individual it finds to be tampering with the entry process or the operation of the Giveaway or to be acting in violation of these Official Rules or any other Promotion or in an unsportsmanlike or disruptive manner. Any attempt by any person to deliberately undermine the legitimate operation of the Giveaway may be a violation of criminal and civil law, 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. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision.

 

 11. Limitations of Liability: The Released Parties are not responsible for: (1) any incorrect or inaccurate information, whether caused by entrants, printing errors or by any of the equipment or programming associated with or utilized in the Giveaway; (2) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (3) unauthorized human intervention in any part of the entry process or the Giveaway; (4) technical or human error which may occur in the administration of the Giveaway or the processing of entries; (5) late, lost, undeliverable, damaged or stolen mail; or (6) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from entrant’s participation in the Giveaway or receipt or use or misuse of any prize. If for any reason an entrant's entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, entrant’s sole remedy is another entry in the Giveaway, provided that the Entry Period has not ended. If the Giveaway is canceled, suspended or modified, Sponsor, in its sole discretion, may elect to hold a random drawing from among all eligible entries received up to the date of discontinuance for any or all of the prizes offered herein. No more than the stated number of prizes will be awarded. In the event that production, technical, seeding, programming or any other reasons cause more than stated number of prizes as set forth in these Official Rules to be available and/or claimed, Sponsor reserves the right to award only the stated number of prizes by a random drawing among all legitimate, un-awarded, eligible prize claims.

 

12. Disputes: Except where prohibited, each entrant agrees that any and all disputes, claims and causes of action arising out of, or connected with, the Giveaway or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by United States District Court for the Northern District of Illinois and the Illinois State District Court in Cook County, Illinois. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, entrant’s rights and obligations, or the rights and obligations of the Sponsor in connection with the Giveaway, shall be governed by, and construed in accordance with, the laws of the State of Illinois, without giving effect to any choice of law or conflict of law rules (whether of the State of Illinois or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Illinois.

 

13. Entrant's Personal Information: Information collected from entrants is subject to https://www.goChanged.com/legal.

 

14. Winner List/Official Rules: For a Winners’ List and/or a copy of these Official Rules, send a hand-printed, self-addressed, stamped envelope by July 20, 2020 to “Changed Perks Student Loan Payment Giveaway” c/o ­­­­Changed Inc., 433 W. Van Buren St. Suite 1100-J, Chicago, IL 60607. VT residents may exclude return postage for Official Rules.

 

15. Mailing List Name Removal Notification System: If you would like your name removed from Sponsor’s mailing list, call 800-557-9419 or email support@Changedapps.com.

Earnest Sponsorship Rules

Sponsorship PERK Rules

 

NO PURCHASE NECESSARY. A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING.

 

THE FOLLOWING PROMOTION IS INTENDED FOR VIEWING IN THE UNITED STATES ONLY AND SHALL ONLY BE CONSTRUED AND EVALUATED ACCORDING TO UNITED STATES LAW. DO NOT PROCEED ON THIS SITE IF YOU ARE NOT LOCATED IN THE UNITED STATES.

 

1. Eligibility: The Changed<>Earnest Perks Student Loan Payment Giveaway (the “Giveaway”) is open only to Members of The Changed App, defined as those persons who have downloaded the Changed App (Download link available at www.goChanged.com), signed up with an email address and completed their Changed profile, who are legal residents of the fifty (50) United States and the District of Columbia and who are at least eighteen (18) years old at the time of entry. Employees of­­­­­­ Changed Inc. and its parent and affiliate companies as well as the immediate family (spouse, parents, siblings and children) and household members of each such employee are not eligible. Subject to all applicable federal, state, and local laws and regulations. Void where prohibited. Participation constitutes each entrant’s full and unconditional agreement to these Official Rules and Sponsor’s decisions, which are final and binding in all matters related to the Giveaway. Winning a prize is contingent upon fulfilling all requirements set forth herein.

 

2. Sponsor: ­­­­Changed Inc., 433 W. Van Buren St Suite 1100-J, Chicago, IL 60607.

 

3. Timing: The Giveaway begins at 12:01 a.m. CT on 05/16/2022 and ends on 11:59 p.m. CT on 05/22/2022 (the "Giveaway Period").

 

4. How to Enter: Members (as defined above) gain one Entry for each point earned by completing milestones via the Changed App Perks landing page within the mobile app during the Giveaway Period. Each Point will be credited to a Member's account as an entry in a weekly random drawing to be held during the Giveaway Period. Changed will handle the tracking of qualifying points. A Qualifying event during The Changed<>Earnest Perks Student Loan Payment Giveaway include viewing an in-app offer promoted by Changed and Earnest. Alternate Means of Entry: Changed App Members can also enter during the Giveaway Period by sending a postcard with their name, email address and phone number to: ATTN: Changed Perks Student Loan Payment Giveaway, 433 W. Van Buren St Suite 1100-J, Chicago, IL 60607. Limit one postcard entry per Member per week.

 

 

Use of any automated system to participate is prohibited and will result in disqualification. In the event of a dispute as to any registration, the authorized account holder of the email address used to register will be deemed to be the registrant. 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. The potential winner may be required to show proof of being the authorized account holder. Only one email address is permitted per natural person entering the Giveaway.

 

5. Grand Prize Drawing: Sponsor’s decisions as to the administration and operation of the Giveaway and the selection of the potential winners are final and binding in all matters related to the Giveaway. On 05/24/2022, Sponsor will conduct a random drawing to select the potential Sweepstakes winner from all eligible entries received during the Entry Period. The potential winner will be notified by mail, email or phone. Each potential winner (parent/legal guardian if winner is a minor in his/her state of residence) will be required to sign and return to Sponsor, within ten (10) days of the date notice or attempted notice is sent, an Affidavit of Eligibility and Liability & Publicity Release in order to claim his/her prize. If a potential winner cannot be contacted, fails to sign and return the Affidavit of Eligibility, Liability & Publicity Release within the required time period, or prize is returned as undeliverable, potential winner forfeits prize. Potential winner must continue to comply with all terms and conditions of these Official Rules, and winning is contingent upon fulfilling all requirements. In the event that a potential winner is disqualified for any reason, Sponsor will award the applicable prize to an alternate winner by random drawing from among all remaining eligible entries. Only three (3) alternate drawings will be held after which the prize for that week will remain un-awarded.

 

6. Prizes: Each qualifying winner will receive $500 to be added to their Changed account balance that will then be sent to their student loan on file. If a winner is not a Changed member, Changed will contact the winner to determine what student loan account payment should be submitted to. If the winner does not have a student loan account to pay against, their prize will be forfeited. The Approximate Retail Value of the prize is $500. Prize is non-transferable and no substitution will be made except as provided herein at the Sponsor’s sole discretion. Sponsor reserves the right to substitute a prize for one of equal or greater value if the designated prize should become unavailable for any reason. Winner is responsible for all taxes and fees associated with prize receipt and/or use. Odds of winning a prize depend on the number of eligible entries received during the Giveaway Period. Limit: One (1) prize per person during the Giveaway Period.

 

7. Third-Party Sponsored Prizes: From time to time Changed may partner with a third party to sponsor the Changed Perks Program. A sponsored perk is in place as the perks program giveaway during a sponsorship period. Sponsored winnings vary based on sponsorship and require you to achieve a specific milestone to qualify for the sponsored Changed Perks offer.

 

8. Release: By receipt of any prize, winner agrees to release and hold harmless Sponsor, Changed Inc., and their respective agents, subsidiaries, affiliates, suppliers, distributors, advertising/promotion agencies, and prize suppliers, and each of their respective parent companies and each such company’s officers, directors, employees and agents (collectively, the “Released Parties”) from and against any claim or cause of action, including, but not limited to, personal injury, death, or damage to or loss of property, arising out of participation in the Giveaway or receipt or use or misuse of any prize.

 

9. Publicity: Except where prohibited, participation in the Giveaway constitutes winner’s consent to Sponsor’s and its agents’ use of winner’s name, likeness, photograph, voice, opinions and/or hometown and state for promotional purposes in any media, worldwide, without further payment or consideration.

 

10. General Conditions: Sponsor reserves the right to cancel, suspend and/or modify the Giveaway, or any part of it, if any fraud, technical failures or any other factor beyond Sponsor’s reasonable control impairs the integrity or proper functioning of the Giveaway, as determined by Sponsor in its sole discretion. Sponsor reserves the right, in its sole discretion, to disqualify any individual it finds to be tampering with the entry process or the operation of the Giveaway or to be acting in violation of these Official Rules or any other Promotion or in an unsportsmanlike or disruptive manner. Any attempt by any person to deliberately undermine the legitimate operation of the Giveaway may be a violation of criminal and civil law, 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. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision.

 

 11. Limitations of Liability: The Released Parties are not responsible for: (1) any incorrect or inaccurate information, whether caused by entrants, printing errors or by any of the equipment or programming associated with or utilized in the Giveaway; (2) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (3) unauthorized human intervention in any part of the entry process or the Giveaway; (4) technical or human error which may occur in the administration of the Giveaway or the processing of entries; (5) late, lost, undeliverable, damaged or stolen mail; or (6) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from entrant’s participation in the Giveaway or receipt or use or misuse of any prize. If for any reason an entrant's entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, entrant’s sole remedy is another entry in the Giveaway, provided that the Entry Period has not ended. If the Giveaway is canceled, suspended or modified, Sponsor, in its sole discretion, may elect to hold a random drawing from among all eligible entries received up to the date of discontinuance for any or all of the prizes offered herein. No more than the stated number of prizes will be awarded. In the event that production, technical, seeding, programming or any other reasons cause more than stated number of prizes as set forth in these Official Rules to be available and/or claimed, Sponsor reserves the right to award only the stated number of prizes by a random drawing among all legitimate, un-awarded, eligible prize claims.

 

12. Disputes: Except where prohibited, each entrant agrees that any and all disputes, claims and causes of action arising out of, or connected with, the Giveaway or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by United States District Court for the Northern District of Illinois and the Illinois State District Court in Cook County, Illinois. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, entrant’s rights and obligations, or the rights and obligations of the Sponsor in connection with the Giveaway, shall be governed by, and construed in accordance with, the laws of the State of Illinois, without giving effect to any choice of law or conflict of law rules (whether of the State of Illinois or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Illinois.

 

13. Entrant's Personal Information: Information collected from entrants is subject to https://www.goChanged.com/legal.

 

14. Winner List/Official Rules: For a Winners’ List and/or a copy of these Official Rules, send a hand-printed, self-addressed, stamped envelope by May 22, 2022 to “Changed Perks Student Loan Payment Giveaway” c/o ­­­­Changed Inc., 433 W. Van Buren St Suite 1100-J, Chicago, IL 60607. VT residents may exclude return postage for Official Rules.

 

15. Mailing List Name Removal Notification System: If you would like your name removed from Sponsor’s mailing list, call 800-557-9419 or email support@Changedapps.com