Greenlight® “Voting Challenge” Contest OFFICIAL RULES
May 23, 2025
NO PURCHASE IS NECESSARY TO ENTER OR WIN THIS CONTEST. A PURCHASE OR APPLICATION WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED OR RESTRICTED BY LAW.
SPONSOR: Greenlight Financial Technology, Inc., a Delaware corporation (“Greenlight” or Sponsor”) will serve as the sponsor of a trivia contest covering financial literacy and related topics (the “Voting Challenge Contest”).
CONTEST PERIOD: The Greenlight Voting Challenge Contest begins at 1:00 p.m. Eastern Time on May 23, 2025 and ends at 9:00 a.m. Eastern Time on May 30, 2025 (the “Contest Period”). Sponsor’s database clock will be the official timekeeper for this Contest.
PURPOSE: The purpose of the Voting Challenge Contest is for children to answer financial hypothetical questions in a fun and creative way that encourages friends and family to vote as many times as possible for the best answers (each, a “Voting Challenge Contest Entry”) during the Voting Challenge Contest.
ELIGIBILITY: A Voting Challenge Contest is open only to legal residents of the 50 United States and the District of Columbia (excluding Puerto Rico and all United States territories and possessions), who are 18 years of age or older at the time of entry. Children 13 years of age or older may participate in a Voting Challenge Contest (a “Participant”) but only Entrants (as defined below) can win Prizes (as defined below). Employees (and their immediate families or those living in the same household) of Sponsor and Community Federal Savings Bank (“CFSB”) and their respective affiliates, subsidiaries, divisions, parents and related companies, suppliers, printers and advertising, promotional and judging agencies are not eligible to enter or win. Individuals who appear on the U.S. Government Department of Treasury’s Specially Designated Nationals and Blocked Persons List are also not eligible to enter or win. An “Entrant” is a person who is 18 years of age or older who has entered a Voting Challenge Contest and is in compliance with the Official Rules, or a Parent or Legal Guardian of an individual under the age of 18 who has entered a Voting Challenge Contest, that has given express, verifiable consent to the minor’s participation in the Voting Challenge Contest, and is in compliance with the Official Rules. Greenlight will only calculate vote totals to an Entrant’s Voting Challenge Entry (defined below) during the Voting Challenge Contest if received by Greenlight no later than the end of the Contest Period. Each Entrant’s eligibility and each Entry is subject to verification. All Entries become the property of Sponsor. No responsibility is assumed by the Sponsor for any inability of a potential entrant to successfully enter a Voting Challenge Contest for any reason. Regardless of entry method, each Entrant may enter a Voting Challenge Contest up to a maximum of one (1) time. Any Entry that violates any of these Official Rules will not be eligible to win a Prize.
HOW TO ENTER: A Participant and/or Entrant (collectively a “Contestant”) can enter the Voting Challenge Contest by creating and responding to a Greenlight-provided prompt with an original answer and the opportunity to design a creative and unique way to display such answer (a “Voting Challenge Entry” or “Entry”). After the Contestant has provided the Entry, the Contestant will be notified by Greenlight and provided the opportunity to share the Entry to friends and family (a “Voter”) via text message and/or a unique QR code (a “Voting Request”). A Contestant is permitted to send as many Voting Requests out at a time and each Voting Request will allow the Voter whom received the text or QR code to vote for the Contestant’s Entry into the Voting Challenge Contest. The Voter is permitted to vote for a different Entry provided however that only one (1) vote per Entry is allowed per day. Voter may be asked to validate a phone number to ensure proper voting rules are followed and only one (1) vote is provided per Entry per day. The Contestant who receives the highest number of votes at the end of the Contest Period will win the 1st Place Prize, with the Contestant receiving the second highest and third highest receiving the 2nd Place Prize and 3rd Place Prize accordingly. In addition, Contestants coming in 4th through 150th Place will also win a Prize as set forth below. Contestant is responsible for making sure that the Contestant is able to access the Voting Challenge Contest prior to the commencement of the Contest Period in order to be able to submit Entries. Each Contestant may establish, maintain, use and control only one account during a Voting Challenge Contest. Each account may only be owned, maintained, used and controlled by one individual. In the event Sponsor determines that you have opened, maintained, used or controlled more than one account, in addition to any other rights that Sponsor may have, Sponsor reserves the right to suspend or terminate any or all of your accounts and terminate, withhold or revoke the awarding of any Prizes.
PRIZES: A Prize will be awarded to the Contestant with the highest number of votes for each Voting Challenge Contest determined at the end of the Contest Period (each a “Winner”). There will be a total of four (4), and potentially up to thirty-five (35), prize amounts awarded at the end of the Voting Challenge Contest to the Winner(s)(“Prize”) (each a “Prize” and collectively, the “Prizes”). The Prize will be awarded as follows:
1st Place Prize: $50
2nd Place Prize: $30
3rd Place Prize: $20
4th Place - 150th Place Prize: $5 each
If multiple Contestants tie for the highest number of votes during a Voting Challenge Contest for a particular Prize level, the Contestant who created their Entry first will be determined the winner. For example, if two Contestant s tie each with fifty (50) votes for 2nd place, the Contestant who submitted their Entry at the earlier date/time of the tied Entries dates of submission, will receive the $30. Approximate retail value (“ARV”) for the Prize is $835.00. The odds of winning will depend on the total Entries in the Voting Challenge Contest, the number of Entrants and any additional applicable criteria. Subject to eligibility verification, payment of a Prize will be made to the Winner’s Greenlight account, provided, such account shall be the Primary Accountholder. To open a Greenlight account and receive a Greenlight card, please visit https://www.greenlight.com/ and complete the enrollment process. As used herein, the “Primary Accountholder” is the individual, at least 18 years of age, who opens and is responsible for the primary Greenlight account (the “Primary Account”). The Primary Accountholder has the ability to request the issuance of up to five Greenlight Prepaid Mastercard cards (“Greenlight Cards”) for the Primary Accountholder’s children or dependents, each of which will be considered a sub-account of the Primary Account, and each child or dependent will be considered an authorized user of the Primary Account (each, a “Cardholder”). This structure of the Greenlight program allows the Primary Accountholder to identify, monitor and approve Greenlight Card transactions by each individual Cardholder. Any Prizes awarded to a Primary Accountholder will be deposited into the Winner’s Primary Account.
NOTIFICATION OF WINNER(S): Winners will be notified by phone, email and/or social media, at Sponsor’s discretion. Sponsor’s decision will be final in all matters. No substitution for any Prize will be permitted. If necessary due to unavailability of the Prize, a prize of equal or greater value will be awarded at the discretion of Sponsor. Each Prize is not transferable or assignable. Each potential Winner shall have three (3) days after the applicable Prize notification to appropriately respond to the Sponsor. Entrants and Winners may be required to execute and return an Affidavit of Eligibility and Publicity/Liability Release, an IRS Form W-9 (i.e., Request for Taxpayer Identification Number and Certification), if necessary, and any other required tax documents within three (3) days of delivery of such documents to a Winner by Sponsor. Failure to return all required documents in this time period may result in the Winner being disqualified and an alternate Winner selected, or, if there are multiple Winners, your portion of the Prize will be allocated amongst the other Winners on a pro rata basis. If a Prize notification is returned to Sponsor as undeliverable or if an Entrant is found to be ineligible or a Winner declines to accept a Prize for any reason, such Prize will not be awarded by Sponsor.
ADDITIONAL TERMS AND CONDITIONS: The following are conditions to winning a Prize and additional terms and conditions binding on Entrants:
All federal, state, local tax liabilities and any applicable fees associated with accepting a Prize or participation in this Voting Challenge Contest are the sole responsibility of the Winners. Sponsor may, in its sole discretion, withhold from the amount of any Prize any and all federal, state, and local tax liabilities and any applicable fees associated with accepting a Prize or participation in this Voting Challenge Contest.
No transfer, division or splitting of Prizes is allowed except in the sole discretion of Sponsor.
Decisions of Sponsor are final with respect to all matters related to the conduct of the Voting Challenge Contest. An Entrant may be disqualified from participating in this Voting Challenge Contest and/or winning a Prize for cheating or other bad faith acts in the sole discretion of Sponsor.
Sponsor shall not be held responsible in the replacement of any lost or stolen Prize items.
By participating in this Voting Challenge Contest, all Entrants (including Winners) agree to be bound by these Official Rules.
Sponsor expressly reserves the right to disqualify any Entries that it believes in good faith are generated by an automated means or scripts or that violate any of the Official Terms. Entries generated by script, macro or other automated means are void.
Sponsor, in its sole discretion, may disqualify an Entrant from a Contest, refuse to award Prizes and require the return of any Prizes, or suspend, limit, or terminate an account if an Entrant has engaged in conduct Sponsor deems, in its sole discretion, to be improper, unfair, fraudulent or otherwise adverse to the operation of Voting Challenge Contest or in any way detrimental to other users. Improper conduct includes, but is not limited to: Falsifying personal information, including payment information, required to claim a Prize; using unauthorized methods such as unauthorized scripts or other automated means; tampering with the administration of the Voting Challenge Contest or trying to in any way tamper with the computer programs associated with the Voting Challenge Contests; obtaining other Entrants’ information and spamming other Entrants; and any other form of abuse; or otherwise violating the Official Rules. Entrants acknowledge that the forfeiture and/or return of any Prize shall in no way prevent Sponsor from informing the relevant authorities, and/or pursuing criminal or civil proceedings in connection with such conduct.
THE CONTEST IS PROVIDED "AS IS" AND SPONSOR DOES NOT MAKE ANY, AND HEREBY DISCLAIMS ANY AND ALL, REPRESENTATIONS OR WARRANTIES OF ANY KIND REGARDING THE VOTING CHALLENGE CONTEST.
In the event the Sponsor is prevented from awarding Prizes or continuing with a Voting Challenge Contest as contemplated herein due to any event beyond its control, including, but not limited to, technical failure, fire, flood, earthquake, explosion, labor dispute or strike, act of God, riot or civil disturbance, pandemic, terrorist threat or activity, war (declared or undeclared), or any federal, state, or local government law, order, or regulation, or any other cause not reasonably within the Sponsor’s control, then the Sponsor shall have the sole right to modify, suspend, or terminate the Voting Challenge Contest.
CONDUCT OF PARTICIPATION: By entering a Voting Challenge Contest, Entrant affirms that he or she has read and agrees to abide by these Official Rules and the decisions of Sponsor. Sponsor reserves the right to disqualify any Entrant acting in violation of these Official Rules or found tampering with the Entry process or with the operation of the Voting Challenge Contest. As a condition of entering a Voting Challenge Contest, each Entrant agrees that: (a) under no circumstances will the Entrant be entitled or permitted to obtain damages for, and the Entrant expressly waives all rights to claim, punitive, incidental, and consequential damages, and any other damages, other than actual, out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased, and in no event shall attorney’s fees be recoverable by either party; and (b) any and all disputes, claims and causes of action arising out of or connected with the Voting Challenge Contest or any Prize awarded shall be resolved individually, without resort to any form of class action. ANY ATTEMPT BY AN ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEBSITE RELATED TO SPONSOR OR THE VOTING CHALLENGE CONTEST OR UNDERMINE THE LEGITIMATE OPERATION OF THE VOTING CHALLENGE CONTEST MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS, AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES FROM SUCH ENTRANT TO THE FULLEST EXTENT PERMITTED BY LAW.
LIMITATIONS OF LIABILITY: Released Parties (as defined herein) are not responsible for any (i) incorrect or inaccurate Entry or Entries, errors in calculations (including vote totals for Voting Challenge Entries), theft, tampering, destruction, or unauthorized access to, or alteration of Entries; (ii) printing or other errors; and any entries which are late, lost, delayed, incomplete, void, corrupted, garbled, illegible, unintelligible entries, misdirected, stolen, mutilated; (iii) any problems, bugs or malfunctions; any electronic miscommunications or failures, technical hardware or software failures of any kind, lost or unavailable network connections, or failed incomplete, garbled or delayed computer transmissions which may limit an Entrant's ability to participate in the Voting Challenge Contest; (iv) any technical malfunctions of the telephone network, computer on-line system, computer equipment, software, program malfunctions or other failures, delayed computer transactions or network connections that are human, mechanical or technical in nature, or any combination thereof, including any injury or damage to entrant's or any other person's computer or mobile device; related to or resulting from an Entrants access or inability to access a Weekly Content, , or any combination thereof or otherwise in connection with the Voting Challenge Contest. Sponsor reserves the right to modify, suspend or terminate the Voting Challenge Contest or these Official Rules in the event that it becomes necessary due to circumstances beyond Sponsor’s control, as determined by Sponsor in its sole and exclusive discretion, including without limitation, Acts of God, pandemic, epidemic, “shelter in place” and similar orders and other governmental actions. Without limiting the generality of the foregoing, Sponsor may decide to postpone deadlines herein, change the date or time for the Voting Challenge Contest, or terminate the Voting Challenge Contest early. Sponsor shall immediately suspend all drawing and prize awards, and Sponsor reserves the right to award any remaining prizes (up to the total ARV as set forth in these Official Rules) in a manner deemed fair and equitable by Sponsor. Sponsor shall not have any further liability to any participant in connection with the Contest.
RELEASE OF LIABILITY; INDEMNITY: By participating, Winners, Entrants and participants in the Voting Challenge Contest (and the parent or legal guardian of any participants, if a participant is under the age of 18 or deemed a minor in his/her state of residence) agree to release, discharge, indemnify and hold harmless Sponsor and CFSB, and each of their respective affiliated entities, affiliates, subsidiaries, and parent entities , and all of their respective officers, directors, shareholders and principals, employees, representatives, and agents (collectively, “Released Parties”), from and against any claims made by any Winners and Entrants, or anyone claiming through them, or any other third parties related in any way to the operation of this Voting Challenge Contest, as well as any other claims, damages or liability due to any injuries, damages or losses (whether alleged, threatened, or actual) to any person or property of any kind resulting in whole or in part, directly or indirectly, from participation in this Voting Challenge Contest or any related activity. Winners, Entrants and participants in the Voting Challenge Contest (and the parent or legal guardian of a participant, if a participant is under the age of 18 or is deemed a minor in his/her state of residence) assume all liability for any injury or damage caused, or claimed to be caused, by participation in this Voting Challenge Contest or acceptance, use or redemption of any Prize.
MISCELLANEOUS: The invalidity or unenforceability of any provision of these Official Rules will not affect the validity or enforceability of any other provision. In the event that any provision of these Official Rules is determined to be invalid or otherwise unenforceable or illegal, the other provisions will remain in effect and will be construed in accordance with their terms as if the invalid or illegal provision were not contained herein. Sponsor's failure to enforce any term of these Official Rules will not constitute a waiver of that provision. Entrants and Winners agree to waive any rights to claim ambiguity of these Official Rules. Headings are solely for convenience of reference and will not be deemed to affect in any manner the meaning or intent of the documents or any provision hereof. In the event there is a discrepancy or inconsistency between disclosures or other statements contained in any Voting Challenge Contest-related materials and/or privacy policy or terms of use on the website, these Official Rules shall prevail, govern and control and the discrepancy will be resolved in Sponsor’s sole and absolute discretion.
PRIVACY / PUBLICITY / USE OF PERSONAL INFORMATION: By participating in a Voting Challenge Contest, eligible Entrants and/or Winners hereby consent to Sponsor’s or its authorized agents’ collection, use, and disclosure of Entrant’s and/or Winner’s personal information for the purposes of administering the Voting Challenge Contest, and Prize fulfillment. Each Entrant acknowledges that he/she has read, understood and accepted the Sponsor’s Privacy Policy, which provides more information about Sponsor’s privacy practices and is located at www.greenlight.com/privacy/. The Sponsor’s Privacy Policy is in addition to those terms in these Official Rules concerning privacy, use of personal information, and publicity. Entrants may be offered the optional opportunity to receive coupons, newsletters, informational materials, marketing communications, or other special promotions, or other offers from Sponsor and/or third-party service providers. By accepting a Prize, Winner agrees, on behalf of Winner and the Cardholder(s), to Sponsor's and CFSB’s use of his/her name(s), picture(s), biographical information, statements, voice and likeness in any advertising and publicity Sponsor and its respective successors, assigns and licensees may conduct relating to the Voting Challenge Contest in any media or format, whether now known or hereafter developed, including but not limited to the Internet, at any time or times in perpetuity, without further compensation or notice, and hereby releases Released Parties from any liability with respect thereto. Winner may be required to sign a further release regarding the grant of these publicity rights, unless prohibited or restricted by law. VOID WHERE PROHIBITED OR RESTRICTED BY LAW OR WHERE BONDING, REGISTRATION, OR OTHER REQUIREMENTS WOULD BE REQUIRED BUT HAVE NOT BEEN MET. ©2025 Greenlight Financial Technology, Inc. All rights reserved.