Higher One 2015 Money On My Mind Promotion

Official Promotion Rules

No Purchase Necessary to Enter or Win Sweepstakes Portion of Promotion.
A Purchase or Contest Entry Will Not Increase Your Chances of Winning the Sweepstakes.

Promotion Eligibility

The Higher One 2015 Money On My Mind Promotion (“Promotion”) is only open to legal residents of the 50 United States & District of Columbia, age 18 or older as of 9/30/15. Employees, officers, directors & agents & their immediate family members (husband, wife, mother, father, sister, brother, daughter, son & their respective spouses, regardless of where they reside) & those living in the same household of each of the following entities: Higher One, Inc. (“Sponsor”), teamDigital Promotions, Inc. (“teamDigital”), & each of their respective parent companies, affiliates, distributors, suppliers, subsidiaries, & advertising & promotion agencies (collectively, “Released Parties”) are not eligible to participate in or win the Promotion. Contest entrants (described below) must additionally be currently attending an accredited public or private 2 or 4-year college and/or university in the U.S. as a full or part-time undergraduate or graduate student. Entrants do not need to be Higher One account holders in order to participate in the Promotion. Promotion is subject to all applicable federal, state & local laws & regulations. Void where prohibited. This Promotion is in no way sponsored, endorsed or administered by, or associated with YouTube, Vimeo or Facebook. By entering, you understand that you are providing your information to the Sponsor & not to YouTube or Facebook®.

Promotion Phases

This Promotion consists of a contest (“Contest”) & a sweepstakes (“Sweepstakes”). The Promotion will consist of the following distinct Phases: Submission Period; Fan Favorite Voting Period; Comment Sweepstakes Period; & winner identification as described below. For the purposes of this Promotion, the Submission, Fan Favorite Voting & Comment Periods (defined below) will begin at 12:00:01AM Eastern Time (“ET”) & end at 11:59:59PM ET.

How to Participate

Phase 1 Contest Entry Submission

Contest Entry Submission Period begins on 9/30/15 & ends on 10/25/15 (“Submission Period”). During the Submission Period: 1) Create a video demonstrating your response to the following Contest questions (“questions”) per the instructions provided: a) Tell us about your best college money tip or secret; b) What is something you recently learned about money that you would like to share with your fellow college students?; 2) Upload your video to your YouTube or Vimeo account; & 3) Visit StartwithChange.com/videocontest & follow directions to complete the Promotion Registration Form & provide a link to your video by entering your video YouTube or Vimeo URL (“Contest Entry”). You must have a YouTube or Vimeo account to enter the Contest. Your Vimeo and YouTube profile settings must be public for your Contest Entry to be eligible. By submitting via YouTube or Vimeo, you are acknowledging and agreeing that Sponsor has the right to publicly display your entry on the Contest microsite. In addition, if selected as a finalist, you must provide your Contest Entry in raw footage video file format per Higher One’s specifications for Higher One’s use. If you are not an existing user of YouTube or Vimeo, you will be required to create a free user account at www.youtube.com or a free basic user account at www.vimeo.com. When you register for either account, you will be required to agree to the applicable site Terms of Use & Privacy Policy. Video must be no longer than (2) minutes long, cannot contain any footage, music or other material subject to 3rd party rights, & must be entrant’s original video content. Video file size cannot exceed applicable YouTube or Vimeo upload requirements & must comply with YouTube video requirements outlined at http://www.youtube.com/t/howto_makevideo or Vimeo video requirements outline at http://vimeo.com/guidelines#uploading_guidelines. By submitting a video on YouTube, entrants agree to comply with YouTube’s Terms of Service (www.youtube.com/t/terms) & Community Guidelines (www.youtube.com/t/community_guidelines). Failure to comply with such terms & guidelines may result in disqualification. See Submission Criteria section below to make sure that your video submission along with all the requested information complies with the video requirements set forth herein, & includes all elements on which Contest Entries will be judged. Contest Entry must be entrant’s original, personal creation, in English & cannot have been previously published, submitted for publication, screened, or publicly viewed, except submissions that were previously submitted but not selected as a winning entry in a prior Money On My Mind promotion which may be resubmitted for consideration in this Contest. Modification of an existing work does not qualify as original. Limit (1) Contest Entry per person & per email address for the duration of the Submission Period. In the case of multiple Contest Entries from any person or email address, only the first Contest Entry received will be accepted & all subsequent Contest Entries received from such person will be void. Entrants may only use (1) email address to enter this Promotion.

Phase 2 Contest Judging

Eligible Contest Entries received will be judged by an independent panel of judges (“judges”) designated by Sponsor, whose determinations will be final & binding in all matters relating to Promotion. Judging will be based on the following criteria: 1) Overall Appeal: 40%; 2) Creativity/Originality: 30%; 3) Quality/Value of Content/Clarity of Response: 30%. Subject to verification of eligibility & compliance with the terms of these Official Rules, the entrant with the highest total judging score based on above judging criteria will be declared the potential Grand Prize winner; the entrant with the second-highest total judging score will be declared the potential First Prize winner; the entrant with the third-highest total judging score will be declared the potential Second Prize winner; & the (4) entrants with the next-highest total judging scores will be declared the potential Runner-Up winners. In the event of a tie, entrant(s) from among those tied with the highest score in Overall Appeal will be declared the applicable winner(s). If a tie still exists, from among remaining pool of tied entrants, entrant(s) with highest score in Creativity/Originality, & then in Quality/Value of Content/Clarity of Response (if & as necessary to break tie), will be declared the applicable winner(s) (collectively “tiebreaker”).

Phase 3 Contest Fan Favorite Voting

Contest Fan Favorite Voting Period begins on 12/1/15 & ends on 12/6/15 (“Contest Voting Period”). During the Contest Voting Period, Sponsor will post the Contest winning entries online at StartwithChange.com/videocontest. To vote for your favorite Contest entry, visit StartwithChange.com/videocontest and click on the “Like” button to cast your vote. If you do not have a Facebook account, you may sign-up for free by visiting www.Facebook.com and following the enrollment instructions. There is a limit of (1) Fan Favorite vote per person for the duration of the Promotion. Fan voting will not influence the selection/identification of the Contest winners.

Phase 4 Comment Sweepstakes Period

Comment Sweepstakes Entry Period begins on 12/8/15 & ends on 12/20/15. During the Comment Sweepstakes Period, Sponsor will post Contest Winning Entries for review & commentary online at StartwithChange.com. To comment on a Contest Winning Entry & receive (1) Sweepstakes entry: 1) Visit at StartwithChange.com & fully complete & submit the Promotion registration form according to the instructions provided; & 2) Per instructions provided, comment on a Contest Winning Entry describing how the video relates to your own experience. Comment must be in English, a minimum of (5) words in length & must meet submission criteria, described below, to qualify for Sweepstakes entry. There will be a limit of (1) online Comment Sweepstakes entry per person & per email address per Contest Winning Entry posted per day for the duration of the Comment Entry Period. Sweepstakes entries received from any individual in excess of stated limitation will be void. Entrants may only use (1) email address to enter this Sweepstakes; or 3) To receive one (1) Comment Sweepstakes entry without commenting on a Contest Winning Entry & receive (1) Sweepstakes entry, hand print your name, complete mailing address, telephone number (including area code), date of birth, college/university name, year of study, address, & the words “Higher One 2015 Money on My Mind Promotion” on a plain 3”x 5” piece of paper & mail it in a sealed, stamped & hand printed #10 envelope to: Higher One 2015 Money on My Mind Sweepstakes entry, Higher One, 105 Munson Street, New Haven, CT 06511. Enter as often as you wish by mail, but each entry must be mailed separately to be received by 12/28/15. Mail-in entries must be received by 12/28/15. Additional entries received from any person will be void. No photocopied, computer generated facsimiles, mechanically reproduced, or mass entries permitted.

Phase 4 Comment Sweepstakes Drawing

Potential winners will be selected in a random drawing from among all eligible Sweepstakes entries received during the Comment & Sweepstakes Entry Period on or about 01/05/16. Odds of winning a Sweepstakes prize will depend on number of eligible Sweepstakes entries received.

Submission Criteria

All entries, whether a Contest Entry or Comment Sweepstakes entry, cannot: 1) defame or invade publicity and/or intellectual property rights or the privacy of any person, living or deceased, or otherwise infringe upon any third party rights or other personal or other proprietary rights, including, without limitation, music, trademarks, logos, or trade dress (such a distinctive packaging or building exteriors/interiors) owned by others, with exception to such works which are explicitly deemed open source, subject to Sponsor’s final review & approval; 2) contain any content that is sexually explicit or suggestive; violent or derogatory of any ethnic, racial, gender, religious, professional or age group; obscene, profane or pornographic; 3) promote alcohol, illegal drugs, tobacco, firearms/weapons (or the use of any of the foregoing) or any activities that may appear unsafe or dangerous; 4) contain any content that defames, misrepresents or contains disparaging remarks about other people or companies; 5) contain any personal identification; 6) contain any individual other than the entrant, unless entrant has received express consent in a form acceptable to Sponsor from the individual appearing in or identifiable in Contest video or Sweepstakes comments or to use video or comment for submission purposes & potential posting to StartwithChange.com or other public websites to be determined by Sponsor in its sole discretion. Entrant may further be required to provide proof of consent from any individual appearing in or identifiable in Contest or Sweepstakes Entry upon request; 7) contain materials embodying the names, likenesses, voices, or other indicia identifying any person, including, without limitation, celebrities and/or other public or private figures, living or dead; 8) contain look-alikes of celebrities or other public or private figures, living or dead; 9) communicates messages or images inconsistent with the positive images and/or good will to which Sponsor wishes to associate; & 10) cannot contain any content which violates any law. Entries generated by script, macro or other automated means or deemed by the judges to be immoral, obscene, offensive, profane or not in keeping with Sponsor’s image or in violation of these Official Rules will be void. In the event of non-compliance with any requirements specified herein, Entry may be void. Your submission of an Entry constitutes your representation of eligibility, consent to participate in Promotion & consent for Sponsor to obtain, use, & transfer your name, address & other information for the purpose of Promotion administration. Released Parties are not responsible for lost, incomplete, late, stolen, inaccurate, delayed, garbled or misdirected registrations, Contest Entries/postage-due Sweepstakes Entries, videos, comments, posts or submissions; theft, destruction or unauthorized access to, or alteration of, Contest Entries, Sweepstakes Entries or videos comments or posts; failures or malfunctions of phones, phone lines or telephone systems; interrupted or unavailable network, server or other connections, YouTube or Vimeo upload errors, or otherwise; any error, omission, interruption, defect or delay in any transmission or communication; human-processing error; traffic congestion on the Internet or any technical problem, including but not limited to any injury or damage to entrant’s or any other person’s computer related to or resulting from Promotion participation; errors or omissions in these Official Rules, in any Promotion-related advertisements or other materials, in the selection or announcement of winners or in awarding of prizes; or other problems or errors of any kind whether mechanical, human, electronic or otherwise. Sponsor reserves the right to void any & all Contest Entries and/or Sweepstakes entries of an entrant who Sponsor believes has attempted to tamper with, influence, or impair the administration, security, fairness, judging or proper play of Promotion. Neither Sponsor, nor anyone acting on its behalf, will enter into communications with any entrant regarding Promotion other than to notify potential winners.

Winner Notification

Potential Contest winners will be notified by email, phone, and/or overnight delivery service on or about 11/16/15; & potential Sweepstakes and Fan Voting winners will be notified by email, phone, and/or mail on or about 01/5/16. If any potential winner cannot be contacted within a reasonable time period, does not reply to correspondence within (1) day following date of attempted notification or other timeframe to be determined by Sponsor, or fails to comply with verification process and/or eligibility requirements, that potential winner may be disqualified &, at Sponsor’s discretion, the prize may be awarded to a runner-up for the Contest or Fan Favorite, or if a Sweepstakes winner, an alternate winner may be selected. Sponsor reserves the right to not award all prizes for any given prize category if, in its sole discretion, it does not receive a sufficient number of eligible & qualified Entries.

(18) Prizes

(1) Contest First Prize: $2,000 awarded in the form of a check (Approximate Retail Value “ARV”=$2,000). (1) Contest Second Prize: $500 awarded in the form of a check (ARV=$500). (1) Contest Third Prize: $250 awarded in the form of a check (ARV=$250). (4) Contest Runner-Up Prizes: $100 awarded in the form of a check (ARV=$100 each). (1) Fan Favorite Prize: $200. (10) Comment Sweepstakes Prizes: $50 electronics Store Gift Card (“Store Gift Card”) (ARV=$50 each). Store Gift Card restrictions may apply & is subject to terms & conditions specified thereon. Gift Card merchant to be determined by Sponsor in its sole discretion. Total ARV of all prizes=$3,850. Limit (1) Sweepstakes, (1) Contest, (1) Fan Favorite prize per person, family, or household. Federal, state & local taxes (if applicable) & all other costs & expenses associated with prize acceptance & use not specified herein are winners’ sole responsibility.


No transfer, assignment, cash redemption, or substitution of prizes except by Sponsor, who reserves the right to award a prize of comparable or greater value, at its sole discretion. Potential Contest winners will each be required to execute & return a notarized Affidavit of Eligibility, Liability Release & (where legal) Publicity Release within (1) day of date of issuance of notification, or other timeframe to be determined by Sponsor. Potential Contest winners who are currently attending a 2- or 4-year college and/or university that uses a Higher One service may be required to submit proof of enrollment to Sponsor’s satisfaction & such proof must be submitted immediately upon request. Non-compliance with any of the foregoing or with these Official Rules may result in disqualification & awarding of prize to a runner-up, at Sponsor’s discretion. If any prize or prize notification email and/or letter is returned as undeliverable, potential winner will be disqualified & an alternate winner may be selected. If any potential winner is at least 18 but still considered a minor in his/her jurisdiction of residence, Sponsor reserves the right to award the prize to his/her parent or legal guardian who will be responsible for fulfilling all requirements imposed on winners set forth herein. By participating, each entrant & winner agrees to be bound by these Official Rules & the decisions of the Sponsor & judges, which are final & binding, & 1) Attest that Contest Entry is his/her original, personal creation & that it meets all eligibility requirements set forth herein; & 2) Understand that their Contest Entry may be selected for potential use in future Higher One, Inc. advertising and/or promotional materials & further understand that the use of their Entry in potential advertising and/or promotion efforts does not convey any status of any kind with respect to the Promotion such as, but not limited to, selection as a winning submission in the Promotion or being a Promotion winner; 3) Agree to Sponsor to obtain, use, & transfer your name, address & other information for the purpose of administering this Promotion & consent for his/her college or university, if applicable, to provide enrollment information to Sponsor & its designated assigns for purposes of confirming Contest eligibility; & 4) Agree that entrants will retain ownership of his/her Contest Entry however, by entering the Contest, & to the extent allowed by law, entrants grant Released Parties & their designees a non-exclusive, perpetual, sublicensable, royalty-free license to use Entry & that Released Parties & their designees shall have: a) The perpetual, worldwide right to edit, publish, exploit & use Contest Entry (or any portion thereof) in any way & in any media for advertising and/or trade purposes and/or for any other purpose in any media or format, online or offline, now or hereafter known without further compensation, permission or notification from/to entrant or any 3rd party; b) The right & permission (unless prohibited by law) to use entrant’s name, voice, city/state of residence, photograph and/or other likeness for advertising, trade and/or for any other purpose in any media or format now or hereafter known without further compensation, permission or notification & that use of any of the foregoing materials shall not violate the rights of any 3rd parties & shall not violate any applicable federal, state or local laws or ordinances; c) The right to disqualify any entries that they deem to be obscene or otherwise not in good taste; & d) No liability & entrant will defend, indemnify & hold harmless Released Parties, YouTube, Vimeo & Facebook from & against any liability, loss, injury or damage of any kind (including attorney’s fees) to any person or entity including, without limitation, personal injury, death or damage to personal or real property, due in whole or in part, directly or indirectly, by reason of the acceptance, possession, use or misuse of a prize, participation in this Promotion, or use of any entry-related materials. Sponsor reserves the right, in its sole discretion, to modify, suspend, and/or terminate this Promotion should virus, bugs, non-authorized human intervention or other causes corrupt or impair the administration, security, fairness or proper play of the Promotion &, in the case of suspension or termination, at its discretion, select the potential Contest winners and potential Sweepstakes winners using the judging and/or selection criteria provided above, as applicable, from eligible non-suspect entries received prior to event requiring such termination or suspension, as applicable. CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE THE WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION MAY BE IN VIOLATION OF CRIMINAL & CIVIL LAWS & SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK ANY & ALL REMEDIES AVAILABLE FROM ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.


Except where prohibited by law, as a condition of participating in this Promotion, participant agrees that (1) any and all disputes and causes of action arising out of or connected with this Promotion, or any prizes awarded, shall be resolved individually, without resort to any form of class action, and exclusively by final and binding arbitration under the rules of the American Arbitration Association and held at the AAA regional office nearest the participant; (2) the Federal Arbitration Act shall govern the interpretation, enforcement and all proceedings at such arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction. Under no circumstances will participant be permitted to obtain awards for, and participant hereby waives all rights to claim, punitive, incidental or consequential damages, or any other damages, including attorneys’ fees, other than participant’s actual out-of-pocket expenses (i.e., costs associated with participating in this Promotion), and participant further waives all rights to have damages multiplied or increased.

Choice of Law

All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of participant and Sponsor in connection with the Promotion, shall be governed by, and construed in accordance with, the substantive laws of the State of Connecticut, USA.

Winners List: For a list of the winners’ names, send a self-addressed, stamped envelope to “Higher One 2015 Money On My Mind Promotion, 115 Munson Street, New Haven, CT 06511” or visit StartWithChange.com by 2/5/16.

This Promotion is in no way sponsored, endorsed or administered by, or associated with, YouTube, Vimeo or Facebook®.

Sponsor: Higher One, Inc., 115 Munson Street, New Haven, CT 06511.