Your Million-Dollar Stash: $1M Instant Win Game
(The “Promotion”)
OFFICIAL RULES

This Promotion is intended for viewing and participation in the 50 United States and Washington D.C. only and shall be construed and evaluated according to the laws of the 50 United States and Washington D.C. Please do not enter if you are not a legal resident of, and not located in, the 50 United States or Washington D.C. at time of entry. VOID IN PUERTO RICO, THE U.S. VIRGIN ISLANDS AND OTHER U.S. TERRITORIES AND POSSESSIONS, AND WHERE PROHIBITED BY LAW.

NO PURCHASE, TEXT MESSAGE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN. A PURCHASE OR TEXT MESSAGE WILL NOT INCREASE YOUR CHANCE OF WINNING.

MESSAGE AND DATA RATES MAY APPLY TO ENTRY VIA TEXT MESSAGE.

BY SUBMITTING A GAME PLAY REQUEST, ENTRANTS CONSENT TO RECEIVE UP TO ONE (1) TEXT MESSAGE (PER REQUEST) VIA AUTOMATED TECHNOLOGY FROM THE SPONSOR REGARDING THIS PROMOTION.

  1. PROMOTION PERIOD: Starts April 29, 2019 at 9:00:00 AM Eastern Time (“ET”) and ends October 28, 2019 at 11:59:59 PM ET or while supply of Game Plays (as defined below) last, whichever occurs first (the “Promotion Period”). A total of 750,000 Game Plays will be available for play.

  2. ELIGIBILITY: To enter and be eligible to win, you must be a legal resident of the 50 United States, or Washington, D.C. (excluding residents of Puerto Rico, the U.S. Virgin Islands and other U.S. territories and possessions, and where prohibited by law), be 18 years of age or older at the time of entry, and have a valid email address. Persons in any of the following categories are NOT eligible to participate or win a prize: (a) any person who, at any time on or after April 29, 2019, was or is a director, officer, agent, representative, or employee of Stash Financial, Inc. (“Sponsor”), or its parent, affiliates, subsidiaries, franchisees, or service agencies; (b) individuals engaged in the development, production or distribution of materials for the Promotion or engaged in the administration or execution of this Promotion (collectively, with the entities listed in 2(a), the “Promotion Entities”); and (c) persons who are or purport to be immediate family members (defined as biological or step-mother/ father, sister, brother, daughter, son, dependent or spouse of any of the foregoing) of any person in any of the preceding categories, regardless of where they live, or who reside in the same household (i.e., live in the same household for at least 3 of the 12 months preceding the start of the Promotion Period, whether related or not) as any person in any of the preceding categories. Promotion is subject to all applicable federal, state and local laws and regulations.

  3. HOW TO ENTER: NO PURCHASE NECESSARY. (SEE RULE #4 FOR DETAILS). During the Promotion Period go to https://www.stashinvest.com/retire-calculator/million-dollar-stash (“Website”) and follow the on-screen instructions to complete the Retirement Calculator on the Website. Once you have completed the Retirement Calculator, follow the instructions to complete the registration form and provide your complete and accurate contact information (first name, last name, email address, and SMS and data enabled smart phone number), confirm your eligibility, and accept these Official Rules. Message and data rates may apply; please consult your wireless service provider regarding its pricing plans, or see Rule #4 for details on how to play without a SMS and data enabled smart phone. You will then receive a text message with a link to a webpage which will allow you one (1) game play in the Promotion (“Game Play”). The link to the Game Play will expire 72 hours from the time it is sent (subject to availability of Game Plays and the end of the Promotion Period). Click on the link to start your Game Play, where you will be presented with a randomly determined online game with nine (9) icons from which to make your selections. Select only three (3) of the nine (9) icons by clicking on them and then confirm your selections to proceed. The text messaging method of entry is designed to work with most of the major wireless carriers in the United States, but Sponsor makes no guarantee that any particular wireless service provider will participate. The wireless phone that is used must be capable of sending and receiving text messages. Entrants should check their phone’s features to see if they have that capability. Wireless service providers may charge entrants for each text message sent or received, including any error message that is sent or received in connection with the Promotion. Entrants should consult their wireless service provider’s pricing plan for details. Proof of sending a text message is not considered proof of delivery to or receipt by Sponsor of entry. By participating in the Promotion via this method of entry, Entrants consent to receive up to one (1) text message (per request/registration) via automated technology from the Sponsor regarding this Promotion. Message and data rates may apply to entry via text message If all three (3) icons you selected are then revealed to be the same, you are eligible to receive the item shown (prize or bonus Game Play), subject to verification. See Rule #5 for prize details and odds of winning.

    The results of your Game Play will be shown onscreen. Potential Prize Winners will also be sent an email, including a unique Security Identification Code (SIC), to the email address provided in the registration process. The email and SIC will confirm the results of the applicable Game Play, however, Potential Prize Winners are subject to verification of eligibility and compliance with these Official Rules.

    To request another Game Play, you will need to return to the Website, complete the Retirement Calculator, and register again.

    In the event of a dispute regarding the identity of an entrant, the entry will be deemed to have been made by the authorized account holder of the mobile phone number submitted with the Promotion registration. Authorized account holder is defined as the natural person who is assigned to a mobile phone number by a wireless service provider. Each entrant may be required to show proof of being an authorized account holder.

    If you do not have Internet access via a personal computer, your local library or Internet café may be able to provide access to the Internet and a number of Internet service providers and other companies offer free email accounts.

  4. NO PURCHASE/TEXT MESSAGE NECESSARY:To play without an SMS and data enabled smart phone, hand-print your full name, complete address, phone number (with area code), age, and email address, on a 3" x 5" card or piece of paper, and mail it to: “Your Million-Dollar Stash: $1M Instant Win Game, Free To Enter”, P.O. Box 8543, Big Sandy, TX 75755-8543. Limit one (1) request per outer mailing envelope.

    Requests must be postmarked by October 28, 2019 and received by November 4, 2019. Only one (1) request per outer postmarked envelope allowed. Game Play requests mechanically reproduced or made in any fashion other than as specified herein are void. Upon receipt of your request, you will be sent a link by email, which will allow you one (1) Game Play for this Promotion (while supply of Game Plays last). The link to the Game Play will expire 72 hours from the time it is sent. For entrants who are participating via mail-in request, the Promotion will remain open until November 7, 2019 at 11:59:59 PM ET after which time the Promotion will no longer be available.

    Game Play requests submitted by script, macro or other automated or mechanical means, Game Plays or requests by any means which subvert the entry process and requests made in any fashion other than as specified herein are void. All requests become property of the Sponsor and will not be returned.

  5. Limit of two (2) Game Plays per person/email address/mobile phone number during the Promotion Period (not including awards of a bonus Game Play) regardless of method of entry. If you register, or attempt to register, more than two (2) times using multiple email addresses, mobile phone numbers or identities, or any other device or artifice to register multiple times or as multiple registrants, all of your Game Plays may be declared null and void, and any prize you might have been entitled to will not be awarded. Robotic, programmed or any other automated means of online entry are prohibited and may result in disqualification of all such Game Plays from the Promotion.
  6. PRIZES (36,101):

    UNCLAIMED/UNREDEEMED PRIZES WILL NOT BE AWARDED

    Prize Description Number available* Odds of winning upon receiving specific Game Play Odds of both receiving specific Game Play and winning Approximate Retail Value ("ARV") Total ARV of all available

    $1,000,000.00 Annuity**

    1

    1 in 84

    1 in 63,000,000

    $650,000.00**

    $650,000.00**

    Digital Gift Card

    100

    1 in 84

    1 in 630,000

    $500.00

    $50,000.00

    Digital Gift Card

    1,000

    1 in 84

    1 in 63,000

    $100.00

    $100,000.00

    Digital Gift Card

    10,000

    1 in 84

    1 in 6,300

    $10.00

    $100,000.00

    Digital Gift Card

    25,000

    1 in 84

    1 in 2,520

    $5.00

    $125,000.00

    Bonus Game Play

    713,899

    1 in 84

    1 in 88

    $0.00

    $0.00

    TOTAL

    750,000 $1,025,000.00

    Total ARV of all prizes available to be won: USD $1,025,000.00.

    *The number of prizes/bonus Game Plays available to be awarded decrease as prizes/bonus Game Plays are played for and/or won throughout the Promotion Period.

    ** Annuity Prize: $1,000,000.00 USD payable as a 40-year annuity at $25,000.00 USD per year without interest; present value is approximately $650,000.00 (actual value depends on cost of annuity when prize is awarded). Any tax obligations resulting from the acceptance of the prize will be the sole responsibility of the winner. Winner may elect to receive a lump sum payment of $650,000.00 instead of the annuity.

    Prizes are not transferable, or redeemable for cash (if applicable), and must be accepted as awarded, with no substitutions of any kind, except by the Sponsor, who reserves the right to substitute a prize (or portion thereof) with one of comparable or greater value, at its sole discretion. Gift cards are subject to the terms and conditions as set by the issuer.

    All federal, state and local taxes (including income and withholding taxes), if any, as well as any other costs and expenses associated with prize acceptance and use not specified herein as being provided are the Winner’s responsibility, regardless of whether a prize is used in whole or in part. All prize details are at the Sponsor's sole discretion.

  7. HOW TO CLAIM YOUR PRIZE: Reward codes for digital gift card prizes will be electronically delivered to the verified Winner's email address as provided in the registration form within approximately three (3) to five (5) business days of notification of being a Potential Winner. A Potential Winner of the Annuity Prize will be notified via telephone, email or mail with instructions on how to be confirmed as a winner and claim their prize. Potential Winners may be required to execute and return an Affidavit of Eligibility, a Liability Release, W9 form, and, where lawful, a publicity release, within five (5) business days from the time it is postmarked as having been sent by the Sponsor or its representative, or the prize may be forfeited. If any Winner is at least 18, but considered a minor in his/her state of residence, the prize will be awarded to his/her parent or legal guardian who must sign and return all required documentation outlined herein and otherwise comply with all requirements imposed on Winners set forth herein. If a Potential Winner is found to be ineligible or not in compliance with these Official Rules, declines to accept a prize, or if Sponsor is unable to contact a Potential Winner within five (5) business days, or in the event that a prize notification or prize is returned undeliverable, the prize may be forfeited at the Sponsor’s sole discretion. Each Potential Winner (or parent/legal guardian where applicable) may be required to furnish proof of identification.

    Promotion Entities shall not be held responsible for any delays in awarding a prize for any reason outside of their control. Prizes will only be delivered to verified Winners. Any unclaimed prize will not be awarded. Sponsor is not responsible for any change of mailing address, email address, and/or telephone number of entrants. Annuity Prize: allow 6-8 weeks for verification and shipment of your prize.

    By accepting a prize, each Winner agrees and consents to the use of his/her name, address (city and state of residence), voice, and statements relating to the Promotion or Sponsor, and photographs or other likenesses, without further compensation, notification or permission in any publicity or advertising carried out by Sponsor or any related entities in any and all media now known or hereinafter developed, including the internet, without territorial or time limitation, except where prohibited by law.

CONDITIONS OF ENTRY:

  1. By entering, entrants (i) acknowledge and represent that they are in full compliance with these Official Rules including all eligibility requirements and, (ii) agree to be bound by these Official Rules and the decisions of the Sponsor and/or Promotion Judges, made in their sole discretion, which shall be final and binding in all respects. Entrants who have not complied with these Official Rules are subject to disqualification and all associated Game Plays will be void.

  2. Sponsor is not responsible for late, lost, damaged, stolen, misdirected, mutilated, garbled, illegible, or incomplete submissions of requests/Game Plays. Proof of transmission (screenshots or captures, etc.) does not constitute proof of delivery. All entries/Game Plays become the property of Sponsor and in no case shall be returned to sender.

  3. Sponsor reserves the right to disqualify any entrant's registration in the Promotion (and void all associated entries/Game Plays) or entitlement to a prize if, in the sole discretion of the Sponsor, it determines or suspects that the entrant has attempted to undermine the legitimate operation of the Promotion by tampering, cheating, hacking, deception, or other fraudulent, deceptive or unfair playing practices (including any entries/Game Plays generated by script, macro, robotic, programmed, or any other automated means or any other means which subvert the entry process).

  4. Sponsor reserves the right to disqualify any entrant's registration in the Promotion (and void all associated entries/Game Plays) or entitlement to a prize if, in the sole discretion of the Sponsor, it determines or suspects that the entrant has attempted to undermine the legitimate operation of the Promotion by tampering, cheating, hacking, deception, or other fraudulent, deceptive or unfair playing practices (including any entries/Game Plays generated by script, macro, robotic, programmed, or any other automated means or any other means which subvert the entry process).

  5. All issues and questions concerning the construction, validity, interpretation and enforceability of the Promotion Official Rules, or the rights and obligations of entrant and Sponsor in connection with the Promotion, shall be governed by, and construed in accordance with, the laws of the State of New York, without regard to New York or any other conflicts of law principles. All entrants consent to the jurisdiction and venue of the federal, state and local courts for New York, New York.

  6. Sponsor reserves the right in its sole discretion to cancel, modify and/or suspend this Promotion at any time if fraud, technical failures, including any network server or hardware failure, viruses, bugs, errors in programming, or any other errors or other causes (such as force majeure events) impairs the administration, security, integrity or proper play of the Promotion.

  7. Promotion Entities do not warrant that access to the Promotion will be uninterrupted. Promotion Entities are not responsible for any problems that may arise, including but not limited to: (a) lost, interrupted, inaccessible or unavailable networks, servers, satellites, Internet Service Providers, websites, or other connection, availability or accessibility problems arising in connection with or over the course of the Promotion; or (b) communications failed, jumbled, scrambled, delayed, or misdirected computer, telephone or cable transmissions or hardware or software malfunctions, failures or difficulties; or (c) failure of personal computers and/or software and hardware configurations, any technical malfunctions, failures, or difficulties, printing errors, clerical, typographical or other error in connection with the administration of the Promotion, the processing of entries/Game Plays, the offering or announcement of any prize or in any prize notification documents; or (d) for any other errors of any kind relating to or in connection with the Promotion, whether human, mechanical, clerical, electronic, or technical in nature; or (e) the incorrect or inaccurate capture of information, or the failure to capture any information in connection with the Promotion; or (f) damage to a user's system occasioned by participation in this Promotion or downloading any information necessary to participate in this Promotion. Promotion Entities are also not responsible for lost, late, delayed, garbled, stolen, incomplete, misdirected, illegible, damaged or undelivered email or entries/Game Plays. Proof of transmission (screenshots, etc.) does not constitute proof of delivery.

DISCLOSURES:

  1. Any attempt by an entrant or other individual, to deliberately damage any website or undermine the legitimate operation of this Promotion, including but not limited to any fraudulent claims, may be a violation of criminal and civil laws. Should such an attempt be made, Sponsor reserves the right to seek remedies and damages (including attorneys' fees) from any such individual, to the fullest extent permitted by law, including criminal prosecution. Entrants engaging in any of the foregoing activities may be disqualified (and all associated entries/Game Plays will be void) and will forfeit any prize(s) won. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision.

  2. If a dispute arises relating to a prize won in the 3 of 9 Game, a combination of factors will be assessed in determining if you are in fact eligible to win a prize; i. the Game Play receipt including the unique SIC, and its corresponding play data in the Promotion database will be reviewed to determine the legitimacy of the claim; ii. The Promotion Judges will be consulted to compare the pre-generated game data with the game play data you are presenting or have generated. Ultimately it will be the results of the Promotion Judges' analysis, which will determine your entitlement to any prize. The review of any such dispute will not commence prior to two weeks following the Promotion end date noted herein. In the event the Promotion Judges' analysis reveals valid prize claims are greater than the number of prizes available as set forth in these Official Rules, then Sponsor reserves the right to conduct a random drawing amongst all eligible prize claimants whose claims have not yet been redeemed, to award the remaining number of advertised prizes in the prize category in question. Prizes will stop being awarded in the event Sponsor becomes aware of an error respecting the number of prizes. In no event will the Sponsor be liable for more than the stated number of prizes available in the prize category in question.

  3. In the event of any conflict with any Promotion details contained in these Official Rules and Promotion details contained in Promotion Materials (including but not limited to point of sale, television, and print advertising, promotional packaging, and other promotion media), the details of the Promotion as set forth in these Official Rules shall prevail.

  4. The invalidity or unenforceability of any provision of these Official Rules shall not affect the validity or enforceability of any other provision. In the event that any provision is determined to be invalid or otherwise unenforceable or illegal, these Official Rules shall otherwise remain in effect and shall be construed in accordance with their terms as if the invalid or illegal provision were not contained herein. In particular, Sponsor's employees are not authorized to waive, modify or amend any provision or provisions of these Official Rules in any manner whatsoever.

  5. This Promotion is subject to all applicable federal, state, and municipal laws.

  6. This Promotion is solely sponsored by Stash Financial, Inc., 500 7th Avenue 18th Floor, New York, New York 10018.

  7. For a winners list, send a self-addressed postage stamped envelope to: “Your Million-Dollar Stash: $1M Instant Win Game – Winners List request”, P.O. Box 8543, Big Sandy, TX 75755-8543. All requests must be received by December 9, 2019. Winners list will be sent after prizes have been awarded.

  8. Information collected from entrants is subject to Sponsor’s Privacy Policy. To review Sponsor’s privacy policy, please visit https://www.stashinvest.com/theprivacypolicy to see how we use personal information obtained in connection with this Promotion. Winners names may be included in a publicly available winners list.