Unlocking America’s Pay (“Sweepstake”)

OFFICIAL RULES

ENTRY INTO OR WINNING ASSOCIATED WITH THE SWEEPSTAKE DOES NOT GUARANTEE ANY ENTRANT ELIGIBILITY FOR OR ACCESS TO MYPAY^TM NOR DOES IT GUARANTEE ANY ENTRANT A MAXIMUM AVAILABLE AMOUNT OR LINE OF CREDIT AMOUNT IN THE EVENT THAT THE ENTRANT GAINS ELIGIBILITY TO AND UTILIZES MYPAY.

NO PURCHASE NECESSARY.  A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. OPEN TO LEGAL RESIDENTS OF THE FIFTY (50) UNITED STATES AND THE DISTRICT OF COLUMBIA WHO ARE EIGHTEEN (18) YEARS OF AGE (OR AGE OF MAJORITY IN THEIR STATE OF RESIDENCE) OR OLDER, WHO ARE PHYSICALLY LOCATED AND RESIDE IN THE UNITED STATES OR DISTRICT OF COLUMBIA. VOID IN PUERTO RICO AND WHERE PROHIBITED OR RESTRICTED BY LAW.

1.  SPONSOR: Unlocking America’s Pay (“Sweepstake”) is sponsored by Chime Financial, Inc., PO Box 417, San Francisco, CA 94104 (“Chime” or “Sponsor”).

2. GENERAL: The Sweepstake is subject to these official rules (“Rules” or “Official Rules”) and all applicable federal, state and local laws. Entry into this Sweepstake constitutes your acceptance of these Official Rules. The following describes how an eligible entrant (“Entrant”) may submit an eligible Sweepstake entry (“Entry”). Limit one (1)  Entry per Entrant using the QR Code Entry Method or one (1) Alternative Method of Entry (“AMOE”) per Entrant during the sweepstakes A total of one thousand (1,000) winners will be selected.

3. TIMING: All times appearing in these Official Rules are Eastern Standard Time (“EST”). The entry period for the Sweepstake begins September 1, 2024 at 12:00 AM EST and ends September 13, 2024 at 11:59 PM EST (“Entry Period”). As described in more detail in Section 6 below, Sponsor will conduct a single drawing to randomly select a total of one thousand (1,000) potential winners from among all eligible Entries originating from entry methods described in Section 5 below, no later than September 16, 2024 at 11:59 PM EST. Emails notifying potential winners and instructions on how to claim Prizes will be sent no later than September 16, 2024 at 11:59 PM EST. 

4. ELIGIBILITY:  Open to all legal U.S. and District of Columbia residents, age 18 (or age of majority in their state of residence) or older. Void in Puerto Rico and where prohibited. By entering, each Entrant confirms they are at least 18 years of age. Individuals employed by Chime, The Bancorp Bank, N.A., Stride Bank, N.A., their affiliated companies, subsidiaries, Chime’s business partners including the Dallas Mavericks, and Tremendous, LLC , (collectively the “Sweepstake Parties”), at any time during the Entry Period or, if a winner, as of the date of prize fulfillment, and members of their immediate family (parent, child, sibling or spouse of any of the foregoing) or persons living in the same household (those living in the same household for at least 3 of 12 months preceding the Entry Period), are not eligible.

5. HOW TO ENTER: Eligible Entrants may enter (1) time during the Entry Period through one of two methods.  There are two (2) methods of entry (“Entries”) for eligible Entrants. There is no requirement that a prospective Entrant has an open Chime Checking Account in order to enter. See below for details and entry methods.

1. QR Code Entry Method 

1. Visit the Chime branded #MyPayWhenISay vault truck  during the Entry Period – the vault truck will have a QR code to scan via personal mobile phone; and 
2. To enter via the QR Code, Entrant must scan the relevant QR Code and navigate to a webpage with a consumer flow to enter the Sweepstake. The Entrant must answer several questions and input their information into the designated field(s) as specified in the consumer flow. 

Limit of one (1) QR Code Entry per Entrant during the entire Entry Period.

2. Alternative Method of Entry (“AMOE”)

Fill out the online AMOE Form, which can be found on the following website at bit.ly/3B3Ocbk (“Website”).

Limit of one (1) QR Code method of entry per Entrant or one (1) AMOE per Entrant during the entire Entry Period. 

6. HOW TO WIN

1. 1. SELECTION OF WINNERS: During the Entry Period and immediately thereafter, Sponsor will conduct a single drawing to randomly select a total of one thousand (1,000) potential winners from among all eligible Entries originating from the QR Code entry method and AMOE during the Entry Period. The Drawing Period is the period when winners are selected from the pool of Entrants, which will occur after the end of the Entry period, but no later than September 16, 2024. The date and time of the drawing will be determined by Sponsor in its discretion. Potential winners will be selected from among all eligible Entries received during the Entry Period.

1. 1. NOTIFICATION OF WINNING:  Tremendous, LLC (“Prize Fulfiller”) will send email notification to potential winners and award the Prizes. By no later than September 16, 2024, Prize Fulfiller will send an email message from [email protected] to each potential winner. Each potential winner then has five (5) years  from the time the message is sent to claim their Prize. Potential winners will be asked to click “Redeem” in the aforementioned email and complete the required redemption fields to claim their Prize. The five (5) year deadline to claim a Prize begins the moment Prize Fulfiller sends the potential winner a winner notification message. Failure to respond within five (5) years of potential winner notification message being sent by Prize Fulfiller will result in disqualification and forfeiture of prize.  Once the winner claims the prize, the winner then has six (6) months to use the prize, otherwise the funds are forfeited.
      

1. PRIZES: One Thousand (1,000) total winners will receive the following prize (each a “Prize”, or collectively among all winners, “Prizes”):

1. One (1) $500 Tremendous Rewards Visa® Incentive Card.The total ARV (Approximate Retail Value) of all available prizes combined is $500,000.00. Only prizes specified in the amount indicated will be awarded. The Cardholder Agreement for the Prize can be found at https://tremendous.notion.site/Tremendous-Rewards-Cardholder-Agreement-3d22642f9f1247ddb475366d572a1fae.  Sponsor is not a party to the Cardholder Agreement. Please refer to the Cardholder Agreement for information on the Tremendous Rewards Visa® Incentive Card, including activation requirements and use restrictions. Prizes are non-transferable, with no cash redemption or equivalent. The Prize cannot be cashed out or reloaded. Sponsor reserves the right to substitute a prize or prize component of equal or greater value should a prize or any component of a prize become unavailable. Except as specifically provided herein, all applicable taxes and usage charges on prizes are the sole responsibility of the winner. If required by law, Sponsor or its agents shall require payment from the winner of taxes to be remitted to the appropriate taxing authorities. Sponsor expressly disclaims any responsibility or liability for injury or loss to any person or property relating to the delivery and/or subsequent use of prizes awarded. Sponsor makes no representation or warranties concerning the appearance, safety or performance of any prize awarded. Once the prize is redeemed within the five (5) year period as described above, the winner has six (6) months to use the prize, otherwise the funds are forfeited.

4. WINNER ELIGIBILITY REQUIREMENTS: Potential winners must meet the eligibility requirements set forth in these Official Rules in order to qualify for a Prize. If a potential winner is found to be ineligible; is not in compliance with these Official Rules; declines to accept the Prize within the time period specified by Sponsor or Prize Fulfiller in the notification email; does not comply with Sponsor’s or Prize Fulfiller’s instructions or requirements; or the Prize email is returned as undeliverable, the Prize will be forfeited in Sponsor’s sole discretion, and an alternate winner will not be selected. Sponsor shall not be held responsible for any delays in awarding the Prize for any reason. Potential winners are verified by clicking “Redeem” in the aforementioned Prize email. By clicking “Redeem”, the potential winner attests that they are the individual who entered the Sweepstake, verifies that they were eligible to enter and win the Sweepstake, and confirms agreement with the Official Rules. Any unclaimed prizes will be forfeited, if not claimed within the specified period of time as communicated by Prize Fulfiller.. Prize will be claimed by the potential winner once the potential winner selects the “Redeem” button in the Prize Fulfiller’s Prize notification email. Potential winners should follow instructions on how to claim their Prize as communicated by Prize Fulfiller.

Upon Prize Fulfiller emailing the Prize notification to the winner’s provided email address, Sponsor will be deemed to have awarded the Prize to the winner with the winner assuming full responsibility for the Prize. 

7. LIMITATIONS ON WINNING: In addition to the one (1) prize per winner limit with respect to this Sweepstakes, there is a one (1) prize per winner limit across all Chime sweepstake promotions conducted during the January 1, 2024 to December 31, 2024 calendar year. Note: You are not a winner of any prize until you have been verified as a winner by the Sponsor, verification method is at the Sponsor’s discretion. For this Sweepstake, Sponsor verifies winner by the winner selecting “Redeem” as included in the Prize Fulfiller’s email.

8. ODDS OF WINNING:  The odds of winning with respect to the prize drawing depends upon the number of eligible Entries received during the Entry Period as of the time of such drawing.

9. RIGHT OF PUBLICITY RELEASE: Except where prohibited by law, participation in the Sweepstake constitutes each Entrant’s consent to Sponsor’s and its agents’ use of Entrant’s name, likeness, photograph, voice, opinions and/or hometown, and statements made by or attributed to them, in perpetuity, in any and all media now known or hereafter developed (including, without limitation, print, broadcast and Internet), for all legitimate business purposes including advertising and promotional activities without additional compensation, further payment, and/or consideration.

10.  MISCELLANEOUS CONDITIONS:  All Entries become the property of Sponsor and will not be returned.  By participating, Entrants agree to abide by and be bound by these Official Rules, which shall be final and binding with respect to all issues relating to this Sweepstake.  It is the Entrant’s responsibility to ensure compliance with all of the conditions contained in these Official Rules.  Sponsor is not responsible for any lost, late, misdirected, stolen, illegible, incomplete entries, or for any computer, online, telephone or technical malfunctions that may occur. Sweepstake Parties are not responsible for any incorrect or inaccurate information, whether caused by Website users, any of the equipment or programming associated with or utilized in the Sweepstake, or any technical or human error, which may occur in the processing of submissions in the Sweepstake. Sweepstake Parties assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, entries.  Sweepstake Parties are not responsible for any problems, failures or technical malfunction of any telephone network or lines, computer online systems, servers, providers, computer equipment, software, email, players or browsers, on account of technical problems or traffic congestion on the Internet, at any website, or on account of any combination of the foregoing.  Sweepstake Parties are not responsible for any injury or damage to participants or to any computer related to or resulting from participating or downloading materials in this Sweepstake. Persons found tampering with or abusing any aspect of this Sweepstake, or whom Sponsor believes to be causing malfunction, error, disruption or damage will be disqualified.  CAUTION: ANY ATTEMPT BY AN ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKE MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS. 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 reserves the right to correct any typographical, printing, computer programming or operator errors. If for any reason, the Sweepstake is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of the Sweepstake Parties which corrupt or affect the administration, security, fairness, integrity or proper conduct of this Sweepstake, Sponsor reserves the right to cancel, modify, or suspend the Sweepstake or any element thereof (including, without limitation, these Official Rules) without notice in any manner and for any reason (including, without limitation, in the event of any unanticipated occurrence that is not fully addressed in these Official Rules). In the event of cancellation, modification, or suspension, Sponsor reserves the right to select winners in a random drawing from among all eligible, non-suspect entries received prior to the time of the event warranting such cancellation, modification, or suspension. Notice of such cancellation, modification, or suspension will be posted on the Website and/or Sponsor’s website at Sponsor’s discretion. Sponsor may prohibit any Entrant or potential entrant from participating in the Sweepstake, if such Entrant or potential entrant shows a disregard for these Official Rules; acts with an intent to annoy, abuse, threaten, or harass any other Entrant, Sponsor, or Sponsor’s agents or representatives; or behaves in any other disruptive manner (as determined by Sponsor in its sole discretion). Sponsor reserves the right to modify these Rules for clarification purposes without materially affecting the terms and conditions of the Sweepstake. By participating in this Sweepstake, each Entrant agrees to release and hold harmless Sweepstake Parties and each of their respective parent companies, affiliates, subsidiaries, officers, directors, representatives, agents and employees, from any and all liability whatsoever for any injuries, losses or damages of any kind arising from or in connection with, either directly or indirectly from: 1) the awarding, acceptance, receipt, possession, use and/or misuse of any prize awarded herein; or 2) participation in the Sweepstake or any prize related activities.

11.  Privacy Policy: Sponsor’s privacy policy is available at https://www.chime.com/policies/chime/privacy-policy/.  Prize Fulfillers’s privacy policy is available at https://www.tremendous.com/privacy/.

12. Arbitration and Choice of Law: Except where prohibited by law, as a condition of participating in this Sweepstake, Entrant agrees that (1) any and all disputes and causes of action arising out of or connected with this Sweepstake, or any prizes awarded, shall be resolved individually, without resort to any form of class action, and exclusively by final and binding arbitration under the rules of the American Arbitration Association (AAA) and held at the AAA regional office nearest the Entrant’s residence; (2) the Federal Arbitration Act shall govern the interpretation, enforcement and all proceedings at such arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction. Under no circumstances will Entrant be permitted to obtain awards for, and Entrant hereby waives all rights to claim, punitive, incidental or consequential damages, or any other damages, including attorneys’ fees, other than Entrant’s actual out-of-pocket expenses (i.e., costs associated with entering this Sweepstake), and Entrant further waives all rights to have damages multiplied or increased.  All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of Entrants and Sponsor in connection with this Sweepstake, shall be governed by, and construed in accordance with, the substantive laws of the State of California, USA without regard to California’s choice of law rules.

13.   WINNERS LIST: To obtain an official list of the names of the winners, send a self-addressed stamped business-size envelope to: Unlocking America’s Pay Winners List, Chime, PO Box 417, San Francisco, CA 94104. Requests must be received by October 13, 2024 at 11:59 PM EST.

14. Official Rules: If you would like a copy of these Official Rules, please send a self-addressed stamped envelope to:  Unlocking America’s Pay Sweepstake Official Rules, Chime, PO Box 417, San Francisco, CA 94104. Vermont residents may omit the return postage.  Requests received after the close of the Entry Period will not be honored. The use of any third-party trademarks, logos, or trade names are for informational purposes only.This sweepstake is not sponsored, endorsed or administered by The Bancorp Bank, N.A., Stride Bank, N.A., or the Dallas Mavericks^©. 2024 Chime Financial, Inc. All Rights Reserved.SHORTENED:
    NO PURCHASE NECESSARY TO ENTER OR WIN. PURCHASING DOES NOT INCREASE THE CHANCE OF WINNING. Sweepstakes starts 09/01/2024 12:00 AM EST and ends 09/13/2024 at 11:59 PM EST. Limit of one (1) entry per QR Code entry method or Alternate Method of Entry per person for entire Sweepstakes. Open to legal residents of the 50 U.S & DC. 18+. Void where prohibited. One thousand (1,000) total winners randomly selected for entire Sweepstakes. Odds of winning depend on the number of eligible entries received. Entry into or winning the Sweepstakes does not guarantee any entrant’s eligibility for or access to MyPay. Unlocking America’s Pay Sweepstakes sponsored by Chime. Credits of $600 or more must be reported on tax form 1099-MISC.