NerdWallet Financial Makeover Rules

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here's how we make money.

General Conditions

Sponsor reserves the right to cancel, suspend and/or modify the NerdWallet Financial Makeover, or any part of it, for any reason, including if any fraud, technical failures or any other factor beyond Sponsor’s reasonable control impairs the integrity or proper functioning of the NerdWallet Financial Makeover, as determined by Sponsor in its sole discretion. Sponsor reserves the right, in its sole discretion, to disqualify any individual it believes to be tampering with the entry process or the operation of the NerdWallet Financial Makeover. Any attempt by any person to deliberately undermine the legitimate operation of the NerdWallet Financial Makeover may be a violation of criminal and civil law, and, 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’s failure to enforce any term of these Guidelines shall not constitute a waiver of that provision.

It is the legal responsibility of the Entrants, and not the Sponsor, to ensure they comply with legal requirements and own the rights to use their entry for the purposes of this NerdWallet Financial Makeover.

Sponsor

NerdWallet, Inc, 420 Bryant, San Francisco, CA 94107

Eligibility

In order to participate in the NerdWallet Financial Makeover contest, you must provide: full name, home address, and a description of why you would like a financial makeover.

Timing

The entry deadline for participation is April 20, 2014 at 11:59pm Pacific Daylight Time (PDT).

Entries will be accepted on April 9, 2014 at 12pm Pacific Daylight Time (PDT) and will no longer be accepted on May 16, 2014 at 11:59pm PDT (the “Contest Period”). Sponsor’s computer is the official time-keeping device.

Judging and Judging Criteria

The winner will be judged by a panel of financial advisors selected by the National Association of Professional Financial Advisors (NAPFA) or another judge selected by Sponsor from all valid applications received by the NerdWallet Financial Makeover closing time.

By entering for the NerdWallet Financial Makeover, the Entrant warrants that the Entrant’s entry doesn’t include material that is in any way unlawful, offensive or inappropriate. Sponsor reserves the right in its sole discretion to reject or disqualify any winner or Entrant or to withdraw the customized financial plan or $100 award in the event that it believes Entrant has breached these Guidelines in any way.

NerdWallet.com reserves the right to report any inappropriate content to the relevant authorities. All Entrants, including winners, agree that their names, entry and any other materials, including photos and press releases, submitted as part of the entry may be published on http://www.nerdwallet.com, the NerdWallet Facebook page and/or the NerdWallet Twitter account and in any other media for the benefit of NerdWallet at any time without notice. Sponsor holds no responsibility for entries lost or not received.

Acceptance of these Guidelines is a condition of entry.

Judging

Entries will be evaluated on the following criteria:

  • Demonstrated financial need
  • Indicated commitment to implementing recommendations
  • Geographic availability

NerdWallet Financial Makeovers & Benefits

Three winners (one from each qualifying age category) will be chosen by a panel of financial advisors selected by NAPFA or another judge selected by Sponsor to receive a full financial plan. In addition, one winner will be chosen from all entrants to receive a $100 Amazon gift card.

Prizes

Prizes are non-transferable and no substitution will be made except at the Sponsor’s sole discretion. Winner will be responsible for any tax obligations associated with a prize. Total ARV of all prizes: $3100

Grand prize:

  • Consultation with financial advisor
  • Written financial plan

Runner-up prize:

  • $100 Amazon gift card

Intellectual Property

Ownership of the pre-existing underlying intellectual property of the Entrant remains the property of the Entrant subject to Sponsor’s rights to reprint, display, reproduce, perform, use, and exhibit the entry and materials and information submitted, for the purpose of administering and promoting the promotion and for business, marketing and advertising purposes for the benefit of Sponsor. By participating in the promotion, each Entrant grants to Sponsor a non-exclusive, worldwide, fully paid, royalty-free, perpetual, irrevocable, transferable license to reprint, display, reproduce, perform, use, and exhibit (including the right to make derivative works of) the entry and materials and information submitted on and in connection with the promotion or use or receipt of the prize for any and all purposes in any medium. Each participating Entrant hereby warrants that any entry and other materials and information provided by Entrant are original with Entrant and do not violate or infringe upon the copyrights, trademarks, rights of privacy, publicity, moral rights or other intellectual property or other rights of any person or entity, and do not violate any rules or regulations. If the entry or information or materials provided by Entrant contain any material or elements that are not owned by Entrant and/or which are subject to the rights of third parties, Entrant represents he or she has obtained, prior to submission of the entry and information or materials, any and all releases and consents necessary to permit use and exploitation of the entry and information and materials by Sponsor in the manner set forth in the Guidelines without additional compensation.

Each Entrant warrants that the entry and materials and information provided do not contain information considered by Entrant, its employees or personnel, or any other third party to be confidential. Entrant agrees that Sponsor has the right to verify the ownership and originality of all entries and that, upon Sponsor’s request, Entrant must submit a written copy of any release or permission Entrant has received from a third party granting Entrant the right to use such property. Entrant understands and acknowledges that in the event a submission is selected as a winning entry, and Entrant’s ownership, rights and the originality of the entry cannot be verified to the satisfaction of Sponsor or is in any other way ineligible, Sponsor may select an alternate winner based on the same judging criteria.

Privacy

All Entrants acknowledge that if they are chosen as a winner, certain of their personally identifying information may be disclosed to third parties at least as required by law, including, without limitation, on a winner’s list. All personal information submitted as part of the NerdWallet Financial Makeover may be shared by and between the Sponsor and their respective parents, subsidiaries, affiliates, distributors, retailers, sales representatives, advertising and promotion agencies and each of their respective officers, directors and employees (collectively, the “Promotion Entities,”) and each of the Promotion Entities will use such information in accordance with their respective independent online privacy policies. The privacy policy of NerdWallet can be found at www.nerdwallet.com/site/privacystatement.html.

Disclaimer, Release and Limitations of Liability

Disclaimer, Release and Limit of Liability. SPONSOR MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, REGARDING ANY PRIZE OR YOUR PARTICIPATION IN THE NERDWALLET FINANCIAL MAKEOVER. BY ENTERING THE NERDWALLET FINANCIAL MAKEOVER CONTEST OR RECEIPT OF ANY PRIZE, EACH ENTRANT AGREES TO RELEASE AND HOLD HARMLESS SPONSOR, AND ITS SUBSIDIARIES, AFFILIATES, SUPPLIERS, DISTRIBUTORS, ADVERTISING/PROMOTION AGENCIES, AND PRIZE SUPPLIERS, AND EACH OF THEIR RESPECTIVE PARENT COMPANIES AND EACH SUCH COMPANY’S OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS (COLLECTIVELY, THE “RELEASED PARTIES”) FROM AND AGAINST ANY CLAIM OR CAUSE OF ACTION, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, DEATH, OR DAMAGE TO OR LOSS OF PROPERTY, ARISING OUT OF PARTICIPATION IN THE PROMOTION OR RECEIPT OR USE OR MISUSE OF ANY PRIZE. THE RELEASED PARTIES ARE NOT RESPONSIBLE FOR: (1) ANY INCORRECT OR INACCURATE INFORMATION, WHETHER CAUSED BY ENTRANTS, PRINTING ERRORS OR BY ANY OF THE EQUIPMENT OR PROGRAMMING ASSOCIATED WITH OR UTILIZED IN THE PROMOTION; (2) TECHNICAL FAILURES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO MALFUNCTIONS, INTERRUPTIONS, OR DISCONNECTIONS IN PHONE LINES OR NETWORK HARDWARE OR SOFTWARE; (3) UNAUTHORIZED HUMAN INTERVENTION IN ANY PART OF THE ENTRY PROCESS OR THE PROMOTION; (4) TECHNICAL OR HUMAN ERROR WHICH MAY OCCUR IN THE ADMINISTRATION OF THE PROMOTION OR THE PROCESSING OF ENTRIES; OR (5) ANY INJURY OR DAMAGE TO PERSONS OR PROPERTY WHICH MAY BE CAUSED, DIRECTLY OR INDIRECTLY, IN WHOLE OR IN PART, FROM ENTRANT’S PARTICIPATION IN THE PROMOTION OR RECEIPT OR USE OR MISUSE OF ANY PRIZE. If for any reason an Entrant’s entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, Entrant’s sole remedy is another entry in the promotion, provided that if it is not possible to award another entry due to discontinuance of the promotion, or any part of it, for any reason, Sponsor, at its discretion, may elect to hold a random drawing from among all eligible entries received up to the date of discontinuance for any or all of the prizes offered herein. No more than the stated number of prizes will be awarded. In event that production, technical, programming or any other reasons cause more than stated number of prizes as set forth in these Official Rules to be available and/or claimed Sponsor reserves the right to award only the stated number of prizes by a random drawing among all legitimate, unawarded, eligible prize claims.

Disputes

Except where prohibited, Entrant agrees that: (1) any and all disputes, claims and causes of action arising out of or connected with this NerdWallet Financial Makeover or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the state and Federal courts located in San Francisco, California; (2) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with applying for this NerdWallet Financial Makeover, but in no event attorneys’ fees; and (3) under no circumstances will Entrant be permitted to obtain awards for, and Entrant hereby waives all rights to claim, indirect, punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. All issues and questions concerning the construction, validity, interpretation and enforceability of these Guidelines, or the rights and obligations of the Entrant and Sponsor in connection with the NerdWallet Financial Makeover, shall be governed by, and construed in accordance with, the laws of the State of California without giving effect to any choice of law or conflict of law rules (whether of the State of California or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of California.

Announcement of NerdWallet Financial Makeover Winner

For announcement of award recipient, visit http://www.nerdwallet.com. The winner will be posted after winner confirmation is complete in or about May, 2014.