SaverLife's Super Saver of the Year

Official Rules

NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE DOES NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED. SaverLife's Super Saver of the Year ("Promotion") begins at 9:00:00 a.m. Pacific Time (“PT”) on October 25, 2023 and ends at 11:59:59 p.m. PT on November 30, 2023 (“Promotion Period”). The promotion contains a contest of skill (“Contest”). The computer clock of Sponsor is the official time-keeping device in the Promotion.

1.     ELIGIBILITY: The Promotion is open only to legal residents of the fifty (50) United States (excluding Puerto Rico) and the District of Columbia, who are eighteen (18) years of age or older at the time of Promotion registration. Employees, officers and directors of EARN Inc. dba SaverLife (the “Sponsor”), Realtime Media LLC (“Administrator”), and any of their respective parent companies, affiliates, subsidiaries, advertising, fulfillment, and marketing agencies, (collectively, “Promotion Parties”) their immediate families (parent, child, sibling & spouse and their respective spouses, regardless of where they reside) and persons living in the same households as such individuals (whether related or not) are not eligible to participate in the Promotion. By participating in the Promotion, you release, discharge and hold harmless Promotion Parties, their respective parents, affiliates, subsidiaries, retailers, advertising and promotion agencies and the respective officers, directors, employees and agents of each of the foregoing, from any and all damages whether direct or indirect, which may be due to or arise out of participation in the Promotion or any portion thereof, or the acceptance, use/misuse or possession of any prize. By participating, you agree to these Official Rules and to the decisions of the judges and Sponsor, which are final and binding in all respects. Void where prohibited by law, rule, or regulation. All federal, state and local laws and regulations apply.

2.     TIMING: The Promotion will consist of three (3) phases, as detailed below:

●      Contest Entry Period: Begins at or about 9:00:00 a.m. PT October 25, 2023 and ends at 11:59:59 p.m. PT on November 30, 2023 (the “Contest Entry Period” or “Promotion Period” herein).

Note: Some elements of the Contest will take into consideration entrants’ activities beginning before the Contest Entry Period began, back to January 1, 2023 or the date on which entrant signed up at saverlife.org if it was after 1/1/23 and before 10/25/23 (the “Lookback Period”), as well as the activities that take place during the Promotion Period.

●      Judging Period: Begins at or about 9:00:00 a.m. PT on December 1, 2023, and ends at 4:59:59 p.m. PT on December 8, 2023.

●      Winner Announcement: The winners will be announced on or about December 11, 2023.

3.     HOW TO PARTICIPATE: Entrants may enter the Contest by signing up at www.saverlife.org and linking an account before or during the Promotion Period, saving and engaging with the SaverLife platform and communications throughout the Lookback Period and the Contest Entry Period as outlined above in Section 2, redeeming at least two (2) (for Grand, First, and Second Prizes) or all three (3) mystery offers (for Third Prizes) in the October 25, November 8, and November 29, 2023, newsletters, and opting into the Promotion via this link: saverlife.typeform.com/to/WWFhM1gi during the Promotion Period. All entrants will be required to complete all required information when signing up for SaverLife, including their complete name, phone number, email address, and zip code. All entries must be complete and legible in order to qualify, and will be void if they are, in whole or in part, incomplete, illegible, damaged, irregular, counterfeit, altered, or obtained through theft or fraud. During the Judging Period, on or about December 4, 2023, Sponsor will select approximately twenty-nine (29) potential finalists and send each of them a link via email and/or SMS inviting them to take the further step of submitting a video of thirty (30) seconds or less that will be used in the final judging for prizes. Each finalist will also be required to use the VideoAsk link shared with them through email and/or SMS to record a short video of their personal story as it relates to their savings goals, their story, and why they should be a winner in this Promotion. Video must be in English only. Each finalist will have forty-eight (48) hours to upload the video to continue in the Contest. Entrant should be the only person who appears in the video. Collectively, your registration information, your two (2) or three (3) mystery offer redemptions, your savings and participation/engagement record with the SaverLife platform, your linked account and, if selected as a possible finalist, your video, are your “Contest Entry.” Limit of one (1) Contest Entry per person, per email address throughout the Promotion Period. New and existing members are welcome to participate in this Promotion. 

4.     JUDGING: Begins at or about 9:00:00 a.m. PT on December 1, 2023, and ends at 4:59:59 p.m. PT on December 8, 2023. As a reminder, to be eligible for any prize below, you must have completed redemption of at least two (2) newsletter mystery boxes and for the Third Prizes only, you must have completed redemption of all three (3) of them. This is mandatory but not part of the judging criteria below. A panel of qualified judges determined by Sponsor, in its sole discretion (“Judges”), will evaluate all of the complete and eligible Contest Entries and will score them up to the total number of possible points taking into account the following judging criteria. The Grand and First Prizes will be judged based on all of the judging criteria below and the Second and Third Prizes will be based only on the Engagement and Personal Story and the Mystery Offer Redemption and the Personal Story, respectively. See details below:

For Grand and First Prizes:

●      Increase in financial resilience, as measured by increase in monthly savings rate in linked savings account (45%). This is not the dollar amount saved, but a showing of progress in increasing savings rate over time during the Lookback and Promotion Periods.

●      Engagement with SaverLife.org savings activities, challenges, and communications (40%). This is the percentage of engagement with the platform’s content during the Lookback and Promotion Periods, taking into account the length of time you have been a member during the Lookback and Promotion Periods.

●      Personal savings story for finalists (15%)

For Second Prizes:

●      Engagement with SaverLife.org savings activities, challenges, and communications (75%). This is the percentage of engagement with the platform’s content during the Lookback and Promotion Periods, taking into account the length of time you have been a member during the Lookback and Promotion Periods.

●      Personal savings story for finalists (25%)

For Third Prizes (must have completed redemption of all three (3) newsletter mystery boxes):

●      Personal savings story for finalists (100%)

The one (1) Contest Entry with the highest combined score from the Judges using the Grand and First Prize criteria above will be deemed the potential Grand Prize winner. The three (3) Contest Entries with the next highest scores from the Judges using the Grand and First Prize criteria will be deemed the potential First Prize winners. In the event of a tie between or among two or more Contest Entries, the Contest Entry with the higher/highest score for Increase in financial resilience will be the winner of the tie. If there is still a tie, the Contest Entry with the higher/highest score for Engagement with SaverLife.org will be the winner of the tie. In the unlikely event a tie remains, an additional “tie-breaking” a judge will be brought in to evaluate the tied entries, based on all of the applicable Judging Criteria above.

The Contest Entries that were not selected as potential Grand or First Prize winners will be judged using only the applicable judging criteria for that level of prize, as specified above. The five (5) Contest Entries (after the Grand and First Prize winners have been selected and notified and, as applicable, confirmed) with the highest scores from the Judges using the Second Prize criteria will be deemed the potential Second Prize winners. The five (5) Contest Entries (not previously selected for another prize) with the highest scores from the Judges using the Third Prize criteria will be deemed the potential Third Prize Winners. Ties will be broken as described above.

The Sponsor reserves the right not to award all prizes or to choose fewer than fourteen (14) potential winners if, in its sole discretion, it does not receive a sufficient number of eligible and qualified Contest Entries. Prize awards are subject to verification of eligibility and compliance with these Official Rules.

5.     WINNER NOTIFICATION/PRIZE CLAIMING: Prizes will be awarded only upon winner redemption, confirmation, verification, and final approval by Sponsor. No substitution, transfer of any prize or cash alternative permitted, except by Sponsor who reserves the right, in its sole discretion, to substitute a prize of equal or greater value, if prize, or portion of prize, becomes unavailable. Each potential winner will be notified via the email address associated with entrant’s membership within the SaverLife.org platform and will be responsible for redeeming any prize awarded within thirty (30) days of notification or forfeit the prize. It is also each potential winner’s responsibility to ensure that the applicable prize payment mechanism is connected to their account in order to claim the prize. This must also take place within thirty (30) days or the prize will be forfeited. The potential Grand Prize winner will be sent a Declaration of Eligibility/Liability Release (“Declaration”) via email and will be required to complete and submit the Declaration within five (5) days of date of issuance. A potential winner becomes a “winner” only after verification of eligibility by Sponsor and completion of all redemption and connection steps specified above. No more than the stated number of prizes will be awarded. If, for any reason, more bona fide winners come forward seeking to claim prizes in excess of the number of prizes set forth in these Official Rules, the winners of the advertised number of prizes available may be selected by judging the Contest Entries of all persons making purportedly valid claims for such prizes. Inclusion in such process shall be each entrant’s sole and exclusive remedy under such circumstances. The Promotion Parties are not responsible for and shall not be liable for late, lost, damaged, intercepted, misdirected, or unsuccessful efforts to notify the potential winners. Prizes are non-transferable, with no cash redemptions, equivalents, or substitutions except at Sponsor’s sole and absolute discretion. All prize details not specified in these Official Rules will be determined in Sponsor’s sole and absolute discretion. Prize details and availability are subject to change and prize provider’s rules and restrictions, and in the event that Sponsor is unable to provide a winner with a prize, the Sponsor may elect to provide winner with the approximate value of such item in cash or award an alternate prize of comparable or greater value. All prizes are awarded “AS IS” and without warranty of any kind, express or implied (including, without limitation, any implied warranty of merchantability or fitness for a particular purpose). Winners will be solely responsible for all federal, state and/or local taxes, and for any other fees or costs associated with the prizes they receive, regardless of whether they, in whole or in part, are used. The ARV of the prizes is based on available information provided to Sponsor and the value of any prize awarded to a winner may be reported for tax purposes as required by law. The Grand Prize winner will be required to provide Sponsor with a valid social security number before the prize will be awarded, for tax reporting purposes. An IRS Form 1099 will be issued in the name of the Grand Prize winner, for the actual value of the prize(s) received. Parents or legal guardians of a potential Grand Prize winner under the age of majority in their state/jurisdiction of residence (which is eighteen (18) in most states but is nineteen (19) in Alabama and Nebraska and twenty-one (21) in Mississippi) may be required to also sign the Declaration in order for the Grand Prize winner to be qualified to receive his or her prize. Unclaimed prizes will be forfeited. Prizes, if legitimately claimed, will be awarded. The Promotion Parties are not responsible for and will not replace any lost, mutilated or stolen prizes or any prize that is undeliverable or does not reach a winner because of an incorrect or changed address or a disconnected account. If a winner does not accept or use the entire prize, the unaccepted or unused part of the prize will be forfeited, and the Promotion Parties will have no further obligation with respect to that prize or portion of the prize. The total ARV of all of the prize(s) awarded in this Promotion is $5,000. The Promotion Parties are not responsible for, and a winner will not receive the difference, if any, between the actual value of the prize at the time of award and the stated ARV in these Official Rules or in any Promotion-related correspondence or material. 

6.     PRIZES/PRIZE RESTRICTIONS: A total of fourteen (14) prizes will be awarded in the Promotion.

ONE (1) GRAND PRIZE: One (1) $1,500 check or ACH transfer. The Approximate Retail Value (“ARV”) of the Grand Prize is $1,500

THREE (3) FIRST PRIZES: One (1) $500 check or ACH transfer (if the member had PayPal set as their payout method prior to 03/29/22 or Venmo prior to 06/28/22, they can also elect to receive payment by one of those methods instead). ARV of each First Prize is $500.

FIVE (5) SECOND PRIZES: One (1) $250 ACH payment (if the member had PayPal set as their payout method prior to 03/29/22 or Venmo prior to 06/28/22, they can also elect to receive payment by one of those methods instead). ARV of each Second Prize is $250.

FIVE (5) THIRD PRIZES: One (1) $150 ACH payment (if the member had PayPal set as their payout method prior to 03/29/22 or Venmo prior to 06/28/22, they can also elect to receive payment by one of those methods instead). ARV of each Third Prize is $150.

The ARV of all prizes awarded in this Promotion is $5,000

All prizes will be fulfilled in approximately six (6) to eight (8) weeks after the Promotion has ended. Sponsor cannot predict the number of Contest Entries. Winners will be announced on or about December 11, 2023.

7.     PRIZE LIMITATIONS: Limit of one (1) prize per household. If it is discovered during prize verification that you have entered, attempted to enter, or used multiple accounts to enter more than the stated limit, you will be disqualified at the discretion of the Sponsor and the Administrator, and/or your Contest Entry will be void. Entries generated by script, macro or other automated means, which subvert the entry process, are void. All Contest Entries become the property of Sponsor and will not be acknowledged or returned. Promotion Parties are not responsible for late, lost, stolen, damaged, delayed, or undelivered prizes.

8.     OWNERSHIP OF ENTRIES: Subject to applicable law, each Winner hereby expressly grants to the Promotion Parties and their respective successors, assigns, sublicensees and designees, the irrevocable right to use and publish his/her name, social handles, likeness (photographic or simulated), voice, biography and place of residence for all purposes, including, without limitation, advertising, marketing, promotional and publicity purposes in connection with this Contest (“Advertising”), in any and all media now or hereafter devised, worldwide, in perpetuity, without any form of notice, permission or any amount or kind of compensation, except for the awarding of the prize(s) to the Winner(s). All copyright, trademark or other intellectual property rights in such Advertising shall be owned by Sponsor and/or its licensors, and each winning participant hereby disclaims and waives any claim of right to such Advertising. Such Advertising shall be solely under the control of Sponsor and/or its licensors, and each Winner hereby waives any claim of control over the Advertising content as well as any possible claims of misuse of such winning recipient’s name, likeness or voice under contract, tort or any other theory of law. The Promotion Parties do not assume any responsibility for any disruption in the Contest, including, but not limited to, the failure or interruption of any social media platform or any internet service provider. In the event there is a discrepancy or inconsistency between disclosures and other statements contained in any Contest materials and the terms and conditions of these Official Rules, these Official Rules shall prevail, govern, and control. All decisions as to these Official Rules and interpretations thereof are exclusively within the sole discretion of the Promotion Parties and may be changed from time to time without notice. In the event Sponsor is prevented from continuing with the Contest by any event beyond its control, including, but not limited to, fire, flood, epidemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, communications or equipment failure, utility or service interruptions, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared), interference with the Contest by any party, or any federal, state, or local government law, order, or regulation, order of any court or jurisdiction, or other cause not reasonably within Sponsor’s control (each, a “Force Majeure” event or occurrence), Sponsor shall have the right to modify, suspend or terminate the Contest or prize. Sponsor additionally reserves the right, in its sole and absolute discretion: (a) to modify, suspend or terminate the Contest should causes beyond Sponsor’s control corrupt or interfere with the administration, integrity, operation, security or proper play of the Contest; or (b) to disqualify any entrant found to be, or suspected of: (i) tampering with the entry process or the operation of the Contest; (ii) acting in violation of these Official Rules; or (iii) acting in an un-sportsmanlike manner. By submitting a Contest Entry, you agree to be bound by these Official Rules and grant Sponsor an exclusive, fully paid-up and royalty-free, worldwide license to use, modify, delete from, add to, publicly perform, publicly display, reproduce and translate your Entry, including without limitation the right to distribute all or part of your Entry in any media formats through any media channels. By submitting an Entry, you consent to the use, by Sponsor, its affiliates, subsidiaries, parents, and licensees, of your name, likeness, and image, in connection with the Event and Sponsor’s related marketing activities, in any media or format now known or hereafter invented, in any and all locations, without any payment to or further approval from you. You agree that this consent is perpetual and cannot be revoked. For uses beyond the consent that you grant above, you agree that Sponsor’s use of your personal data will be governed by the Privacy Policy posted on the Sponsor website. 

9.     GENERAL PRIZE CONDITIONS: Prize will only be awarded by Sponsor upon potential winners’ verification of eligibility and final approval by Sponsor. No prize substitution, cash equivalent of prizes, transfer or assignment of prizes is permitted, except by Sponsor which reserves the right to substitute a prize with one of comparable or greater value, in its sole discretion. If any winner is at least 18 but still considered a minor in his/her jurisdiction of residence, prize will be awarded in the name of his/her parent or legal guardian who will be responsible for fulfilling all requirements imposed on winners set forth herein.

10.  MISCELLANEOUS: Promotion Parties are not responsible for late, lost, incomplete, corrupted, stolen, garbled, damaged, delayed, undelivered or misdirected Contest Entries, all of which are void. Online Contest Entries will be considered to be entered by the authorized account holder of the email address submitted at time of entry and he/she must comply with these Official Rules. The authorized account holder is deemed as the natural person who is assigned to an email address by an Internet access provider, online service provider or other organization that is responsible for assigning email addresses for the domain associated with the submitted email address. By entering the Promotion, you recognize and agree that the registration information provided by you will be made available to Sponsor; use of such information will be governed by Sponsor’s privacy policy found at https://www.saverlife.org/privacy_policy. Upon entering the Promotion, winners grant Sponsor the right to print, publish, broadcast, and use world-wide in any media now known or later developed, the winner's name, portrait, picture, voice, likeness, city and state of residence, and biographical information for any purpose, including but not limited to, in advertisements, publicity, and other communications, worldwide, in perpetuity, without additional compensation, notification or permission, except where prohibited by law. You agree to comply with these Official Rules and the decisions of the Sponsor and judges shall be binding and final.

11.  RELEASE: All participants, as a condition of participation in this Contest, agree to release, discharge, indemnify and hold harmless and indemnify the Promotion Parties and each of their respective directors, officers, employees, agents, successors and assigns (collectively, “Released Parties”) from and against any and all liability, claims, costs (including attorneys’ fees), losses, damages, fines, or actions of any kind whatsoever for injuries, damages, or losses to persons or property which may be sustained, in whole or in part, directly or indirectly, in connection with: (i) participation in any aspect of the Contest (including travel to/from any Contest activity), (ii) the receipt, ownership, use or misuse of the prize awarded, including any travel associated with any prize, (iii) the Released Parties’ violation of rights of publicity or privacy, claims of defamation or portrayal in a false light or based on any claim of infringement of intellectual property; (iv) participant’s registration material on any related website, or (iv) any typographical, human or other error in the printing, offering, selection, operation or announcement of any Contest activity and/or prize. As a condition of entering the Promotion, you agree that (1) under no circumstances will you be permitted to obtain awards for, and you hereby waives all rights to claim punitive, incidental, consequential or any other damages, and any claims, judgments or awards shall be limited to actual out-of-pocket expenses; (2) all causes of action arising out of or connected with this Promotion, or any prizes awarded, shall be resolved individually, without resort to any form class action; and (3) in no event will you be entitled to receive attorneys’ fees. BY ENTERING THE PROMOTION, YOU AGREE TO RELEASE, DISCHARGE AND HOLD HARMLESS PROMOTION PARTIES AND THE RESPECTIVE OFFICERS, DIRECTORS, AND AGENTS OF EACH, FROM ANY AND ALL LIABILITY FOR ANY INJURY, LOSS, OR DAMAGE OF ANY KIND TO PERSONS, INCLUDING DEATH, AND PROPERTY, WHETHER DIRECT OR INDIRECT, WHICH MAY BE DUE TO OR ARISE OUT OF PARTICIPATION IN THE PROMOTION OR ANY PORTION THEREOF, OR THE ACCEPTANCE, USE/MISUSE OR POSSESSION OF PRIZES, OR ANY PRIZE-RELATED TRAVEL OR ACTIVITY. YOU WAIVE ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

12.  DISCLAIMER: Promotion Parties are not responsible for printing or typographical errors in these Official Rules or in any Promotion-related materials. Sponsor reserves the right, in its sole discretion, to disqualify any individual that tampers with the entry process. Sponsor also reserves the right to terminate, suspend, cancel or modify the Promotion and award the prizes for the Promotion from among all eligible, non-suspect entries received (i) as of the date of termination using the judging procedure outlined above if for any reason this Promotion is not capable of running as planned due to any reason, including infection by computer virus, bugs, tampering, fraud, unauthorized intervention, technical failures or other causes that may corrupt or impair the integrity, fairness or proper play of the Promotion. Promotion Parties are not responsible or liable for any events which may cause errors and/or the Promotion to be stopped, including but not limited to 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, nor are they responsible for any problems or technical malfunction of any telephone, network or telephone lines, computer on-line systems, servers, or cable, satellite, or Internet Service Providers, computer equipment, software or any other failure of any email or entry to be received by Sponsor on account of technical problems, human error or traffic congestion on the Internet or at any web site, or any combination thereof, including any injury or damage to yours or any other person's computer relating to or resulting from participation in this Promotion or downloading any materials in this Promotion. Promotion Parties are not responsible for computer, mechanical, technical, electronic, network or other errors or problems, including any errors or problems that may occur in connection with the administration of the Promotion, the processing of Entries, or in any other Promotion-related materials. Promotion Parties may stop you from participating in this Promotion if you violate Official Rules or act, in Sponsor’s sole discretion: (a) in a manner Sponsor determines to be not fair; (b) with an intent to annoy, threaten or harass any other entrant or the Sponsor; or (c) in any other disruptive manner. Should more prizes be awarded through a computer, hardware, or software malfunction, error or failure, or for any other reason, in any prize category, than are stated for that category in the Official Rules, Sponsor reserves the right to award only the number of prizes stated in the Official Rules for that category. In no event will more prizes be awarded than that listed in Section 6.

CAUTION: ANY ACT OR ATTEMPT BY AN ENTRANT TO DELIBERATELY DAMAGE ANY WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THIS PROMOTION IS A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, PROMOTION PARTIES RESERVE THE RIGHT TO SEEK DAMAGES AND OTHER REMEDIES (INCLUDING ATTORNEYS’ FEES) FROM ANY SUCH INDIVIDUAL(S) TO THE FULLEST EXTENT PERMITTED BY LAW.

13.  GOVERNING LAW AND LIMITATION OF LIABILITY:  All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules or the rights and obligations of entrants, Sponsor or the Released Parties in connection with the Contest will be governed by and construed in accordance with the internal laws of the State of California without giving effect to any choice of law or conflict of law rules or provisions that would cause the application of any other laws.

BY ENTERING THE CONTEST, ENTRANT AGREES THAT TO THE EXTENT PERMITTED BY APPLICABLE LAW: (A) ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THE CONTEST, OR ANY PRIZE AWARDED, WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION; (B) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS WILL BE LIMITED TO ACTUAL THIRD-PARTY, OUT-OF-POCKET COSTS INCURRED (IF ANY) NOT TO EXCEED TEN DOLLARS ($10.00), BUT IN NO EVENT WILL ATTORNEYS’ FEES BE AWARDED OR RECOVERABLE; (C) UNDER NO CIRCUMSTANCES WILL ANY ENTRANT BE PERMITTED TO OBTAIN ANY AWARD FOR, AND ENTRANT HEREBY KNOWINGLY AND EXPRESSLY WAIVES ALL RIGHTS TO SEEK, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES, LOST PROFITS AND/OR ANY OTHER DAMAGES, OTHER THAN ACTUAL OUT OF POCKET EXPENSES NOT TO EXCEED TEN DOLLARS ($10.00), AND/OR ANY RIGHTS TO HAVE DAMAGES MULTIPLIED OR OTHERWISE INCREASED; AND (D) ENTRANTS’ REMEDIES ARE LIMITED TO A CLAIM FOR MONEY DAMAGES (IF ANY) AND ENTRANT IRREVOCABLY WAIVES ANY RIGHT TO SEEK INJUNCTIVE OR EQUITABLE RELIEF. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY, SO THE ABOVE MAY NOT APPLY TO YOU.

14.  DISPUTE RESOLUTION: The parties each agree to finally settle all disputes only through arbitration; provided, however, the Sponsor shall be entitled to seek injunctive or equitable relief in the state and federal courts in the State of California, and any other court with jurisdiction over the parties. In arbitration, there is no judge or jury and review is limited. The arbitrator’s decision and award is final and binding, with limited exceptions, and judgment on the award may be entered in any court with jurisdiction. The parties agree that, except as set forth above, any claim, suit, action or proceeding arising out of or relating to this Contest shall be resolved solely by binding arbitration before a sole arbitrator under the streamlined Arbitration Rules Procedures of JAMS Inc. (“JAMS”) or any successor to JAMS. In the event JAMS is unwilling or unable to set a hearing date within fourteen (14) days of the filing of a “Demand for Arbitration”, then either party can elect to have the arbitration administered by the American Arbitration Association (“AAA”) or any other mutually agreeable arbitration administration service. If an in-person hearing is required, then it will take place in the State of California. The federal or state law that applies to these Official Rules will also apply during the arbitration. Disputes will be arbitrated only on an individual basis and will not be consolidated with any other proceedings that involve any claims or controversy of another party, including any class actions; provided, however, if for any reason any court or arbitrator holds that this restriction is unconscionable or unenforceable, then the agreement to arbitrate doesn’t apply and the dispute must be brought in a court of competent jurisdiction in the State of California. Sponsor agrees to pay the administrative and arbitrator’s fees in order to conduct the arbitration (but specifically excluding any travel or other costs of entrant to attend the arbitration hearing). Either party may, notwithstanding this provision, bring qualifying claims in small claims court.

15.  TAX INFORMATION: All federal, state, local, and other taxes on prizes and any other costs and expenses associated with prize acceptance and use not specified herein as being provided, are the sole responsibility of the applicable winner. A 1099 tax form will be issued to the prize winners.

16.  WINNERS LIST: To receive the list of winners of prizes, send a #10 self-addressed stamped envelope for receipt by February 12, 2024, to: SaverLife's Super Saver of the Year - Winners List Request, c/o SaverLife, 548 Market Street, PMB 46387, San Francisco, CA 94104.

SPONSOR: Earn Inc, dba SaverLife, 548 Market Street, PMB 46387, San Francisco, CA 94104

ADMINISTRATOR: Realtime Media LLC, 1001 Conshohocken State Road, Suite 2–100,

West Conshohocken, PA 19428