Entry into this contest constitutes your acceptance of these Official Rules.
OVERVIEW/TIMING/SPONSOR: The Current Video Testimonial Contest (the “Contest”) is sponsored by FinCo Services Inc. d/b/a Current, 217 Centre Street #180, New York, NY 10013 ("Sponsor"). For all purposes of this Contest, the Sponsor’s computer(s) is the official clock and all times refer to Eastern Time (“ET”). The Contest begins at 12:00:00 am ET on Monday, June 16, 2025 and ends at 11:59:59 pm ET Sunday, June 29, 2025 (the “Contest Period”). Sponsor will email individuals throughout the Contest Period inviting them to participate in the Contest ("Contest Invitation"). The first time that an eligible individual fully completes a Video Submission (defined below) during the Contest Period, they will earn one (1) entry into this Contest as more fully described below. Limit one (1) entry per valid Social Security number and/or valid U.S. Individual Tax Identification Number. You (“Entrant”) are not eligible to participate if you do not receive a Contest Invitation directly from Sponsor. After the Contest Period, up to five (5) winners will be selected from all eligible entries received during the Contest Period based on clarity, creativity, and appeal of the content of the Video Submissions.
ELIGIBILITY: The Contest is open only to individuals who: (1) are legal residents and physically located in the fifty (50) states in the United States or the District of Columbia (“Territory”); (2) are at least eighteen (18) years of age at the time of entry; (3) receive an authorized Contest Invitation from Sponsor; and (4) have a valid U.S. Current account in good standing as of the time of entry and through the time of prize award and fulfillment ("Eligible Entrants"). Void where prohibited. Eligible Entrants must also have either a valid Social Security number and/or a valid U.S. Individual Tax Identification Number. Employees (and their immediate families - spouse, parents, children, siblings and their respective spouses, regardless of where they reside) of Current, its parent, affiliates, subsidiaries and advertising and promotion agencies are not eligible to enter or win. Whether an individual receives a Contest Invitation will be determined in Sponsor's sole discretion. Even if you receive a Contest Invitation, you must confirm that you meet all eligibility requirements; receipt of a Contest Invitation does not guarantee that you are eligible to participate in the Contest.
By participating, Eligible Entrants agree to be bound by these Official Rules and the decisions of the Sponsor and/or judges, which are binding and final on matters relating to this Contest. The Contest is subject to all applicable federal, state and local laws.
HOW TO ENTER: During the Contest Period, Sponsor will send a Contest Invitation inviting Eligible Entrants to visit a designated website ("Contest Site") to complete a Video Submission. To enter, Eligible Entrants must click the link or otherwise follow the instructions contained in the Contest Invitation and then follow the on-screen links and instructions on the applicable Contest Site to complete and submit a video during the Contest Period ("Video Submission"). After an Eligible Entrant submits a Video Submission (including providing all required responses to the Contest prompt and following all on-screen instructions) for the first time through a Contest Site during the Contest Period in accordance with these Official Rules, and such Video Submission is received by Sponsor, the Eligible Entrant will receive one (1) entry into the Contest. Limit one (1) entry per valid Social Security number and/or valid U.S. Individual Tax Identification Number. Video Submissions must be received by Sponsor by 11:59:59 PM ET on Sunday June 29, 2025 in order to be eligible. A Video Submission is received only when the applicable Contest Site's servers record the submission of an Eligible Entrant's completed Video Submission with all required information. Other documentation of an Eligible Entrant having submitted a Video Submission (such as, without limitation, a printed, saved or copied automated receipt confirming submission or a "thanks for entering" screen or similar message) does not constitute proof of receipt by Sponsor. Receipt of Video Submissions and entries may not be acknowledged or confirmed by Sponsor.
Eligible Entrants who submit Video Submissions without required responses or complete entry information, or who fail to abide by these Official Rules and other instructions of Sponsor and its representatives, may, in Sponsor's sole discretion, be disqualified and the associated entry voided. Attempts to submit multiple Video Submissions by using multiple or false contact information or otherwise in violation of these Official Rules may be disqualified. Purported entries that are forged, altered, incomplete, lost, late, misdirected, mutilated, illegitimate, unintelligible, garbled, or generated by a macro, bot, or other automated means will not be accepted and will be void. Entries or participation made on an Eligible Entrant's behalf by any other individual, made by any entity or group, or originating at any website or online service other than a Contest Site, including, without limitation, through commercial promotion subscription notification or entering services, are invalid and will be disqualified from the Contest. Entries may only be made according to the method described above.
SELECTION/NOTIFICATION OF WINNERS: Up to five (5) winners will be selected from all eligible entries received during the Contest Period based on clarity, creativity, and appeal of the content of the Video Submissions on or around Monday, June 30, 2025 12:00 pm EST. Sponsor will choose any winners in its sole discretion. Sponsor’s decisions are final and binding. Winners will be notified via email from Sponsor.
PRIZE: Winner(s) will receive $500 credited to their Current account within six (6) hours of selection. Necessary 1099 forms will be issued by Sponsor. Prize is awarded “as is” with no warranty or guarantee, either expressed or implied. If a potential winner does not meet all eligibility requirements within seven (7) days of selection or is not in compliance with these Official Rules, their prize will be forfeited.
All applicable account terms, fees, and charges are subject to change. Winners are responsible for any federal, state, or local taxes due on the prize and all other costs and expenses associated with prize acceptance and use not specified herein as being provided are the sole responsibility of the winner. Winners may not substitute, assign or transfer the prize. All prize details are at Sponsor’s sole discretion. Sponsor will report the prize as income to the tax authorities, if required by applicable law. Winners should consult a tax advisor if needed.
SPONSOR DECISIONS: The decisions of the Sponsor are final and binding in all matters relating to this Contest, including interpretation and application of these Official Rules.
REPRESENTATIONS AND WARRANTIES: By entering the Contest, Entrant represents and warrants that he or she has read, understands, agrees to and will follow the Official Rules. Entrant further represents and warrants that he or she has the right to agree to and fully perform consistent with these Official Rules. Sponsor reserves the right to cancel or modify the terms of the one time reward or terminate the member’s eligibility at any time with or without prior notice.
GRANT OF RIGHTS/PUBLICITY GRANT: By submitting a Video Submission, each Entrant grants to Sponsor and its licensees, successors and assigns an irrevocable, perpetual, unlimited, royalty-free, fully paid-up license to reproduce, distribute, display, exhibit, exploit, perform, edit, create derivatives of, and otherwise use the Video Submission and all elements of such Video Submission, together with any other material, and the name, user name, city and state of residence, voice, image and/or likeness of Entrant (including, but not limited to, applicable profile photo), in any and all media now known or hereafter devised, in any manner, in whole or in part, worldwide, without compensation or notification to, or permission from, Entrant or any third party, for any purpose whatsoever, including without limitation, for purposes of advertising or trade. Released Parties (defined below) are not responsible for any unauthorized use of Video Submissions by third parties. Sponsor has no obligation to make use of the rights granted herein.
ARBITRATION.
THIS SECTION SHALL BE REFERRED TO AS THE “ARBITRATION AGREEMENT.”
Please read this Arbitration Agreement carefully. It requires that any and all claims between you and Sponsor be resolved by binding arbitration and, to the extent permitted by applicable law, prevents you from pursuing a class action or similar proceeding in any forum.
As a condition of participating in the Contest and being bound by these Official Rules, you acknowledge and agree that additional agreements are in place that govern your relationship with Sponsor including, but not limited to, the Current Deposit Account Agreement, the Current Build Credit Card Agreement, the Current Build Deposit and Secured Accounts Agreement, the Current Privacy Policy, the Current Terms of Service, and the Electronic Communication Agreement (collectively, the “Additional Agreements”), each of which is hereby incorporated by reference. The terms and conditions of the Additional Agreements do and shall continue to apply in full force. You further agree that the Arbitration provisions of the Current Deposit Account Agreement and/or the Current Build Deposit and Secured Accounts Agreement (including its class action and jury waivers) shall extend to any claim, dispute, or controversy arising out of or relating in any way to: i) these Official Rules; ii) the Contest; iii) your qualification for the Contest; iv) advertisements, promotions or oral or written statements related to the Contest; no matter how described, pleaded or styled.
GOVERNING LAW AND SEVERABILITY: All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, Entrants’ rights and obligations, or the rights and obligations of the Sponsor in connection with the Contest, shall be governed by, and construed in accordance with, the laws of State of New York, without giving effect to any choice of law or conflict of law rules. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that or any other provision. If any provision of these Official Rules is held to be invalid or unenforceable, such provision shall be struck, and the remaining provisions shall be enforced.
LIMITATION OF LIABILITY AND RELEASE: Entrants, by participating, agree that Sponsor, its parent, affiliates, subsidiaries and advertising and promotion agencies and all of their respective officers, directors, employees, representatives and agents (collectively, “Released Parties”) will have no liability whatsoever for, and shall be held harmless by entrants against, any liability, for any injuries, losses or damages of any kind, including death, to persons, or property resulting in whole or in part, directly or indirectly, from acceptance, possession, misuse or use of prize or participation in this contest. Released Parties are not responsible for lost, late, incomplete, inaccurate, stolen, delayed, misdirected, undelivered or garbled entries or email; or for lost, interrupted or unavailable network, server, Internet Service Provider (ISP), website, or other connections, availability or accessibility or miscommunications or failed computer, satellite, telephone or cable transmissions, lines, or technical failure or jumbled, scrambled, delayed, or misdirected transmissions or computer hardware or software malfunctions, failures or difficulties, or other errors or difficulties of any kind whether human, mechanical, electronic, computer, network, typographical, printing or otherwise relating to or in connection with the contest, including, without limitation, errors or difficulties which may occur in connection with the administration of the contest, the processing of entries, the announcement of the prize or in any contest-related materials. Released Parties are also not responsible for any incorrect or inaccurate information, whether caused by site users, tampering, hacking, or by any equipment or programming associated with or utilized in the contest. Released Parties are not responsible for injury or damage to participants' or to any other person's computer related to or resulting from participating in this contest or downloading materials from or use of the website. Persons who tamper with or abuse any aspect of the contest or website or who are in violation of these Official Rules, as solely determined by Sponsor, will be disqualified and all associated entries will be void. Should any contest (or any portion thereof) be, in Sponsor’s sole opinion, compromised by virus, worms, bugs, non-authorized human intervention or other causes which, in the sole opinion of the Sponsor, corrupt or impair the administration, security, fairness or proper play, or submission of entries, Sponsor reserves the right at its sole discretion to suspend, modify or terminate the contest and, if terminated, at its discretion, select the potential winner from all eligible, non-suspect entries received for that contest prior to action taken or as otherwise deemed fair and appropriate by Sponsor.
USE OF DATA: Sponsor will be collecting personal data about entrants in accordance with its privacy policy. Please review the Sponsor’s privacy policy at https://current.com/privacy_policy/.
WINNERS LIST: To receive the name(s) of the winner(s) or a copy of these Official Rules, (available ten (10) days after the conclusion of the contest), send a self-addressed stamped envelope to: Current Video Testimonial Contest “Winners List” or “Contest Rules” (specify which), Finco Services, Inc. , 217 Centre Street #180, New York, NY 10013, by no later than thirty (30) days after the contest's conclusion.
SPONSOR: Finco Services Inc., d/b/a Current, 217 Centre Street #180, New York, NY 10013