Scratch and Save


NO PURCHASE NECESSARY TO ENTER, WIN OR CLAIM A PRIZE. A PURCHASE DOES NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED. Scratch and Save ("Promotion") begins at 12:00:00 PM Pacific Time (“PT”) on July 1, 2019 and ends at 11:59:59 PM PT on June 28, 2020 (“Promotion Period”). The Promotion contains a game of chance (“Instant Win”).The computer clock of Administrator is the official time-keeping device in the Promotion.

  1. ELIGIBILITY:The Promotion is open only to members of Sponsor’s online SaverLife platform (“SaverLife Members”), who are legal residents of the 50 United States and the District of Columbia, who are 18 (except Alabama andNebraska where the SaverLife Member must be 19, and Mississippi where the SaverLife Member must be 21) years of age or older at the time of Promotion registration. Entries are limited to individuals only; commercial enterprises and businessentities are not eligible. Employees of EARN Inc. (“Sponsor”) and Realtime Media LLC (“Administrator”) their respective parent companies, affiliates, subsidiaries, advertising and fulfillment and marketing agencies (collectively, “PromotionParties”), 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 eligibleto participate in the Promotion. By participating in the Promotion, you agree to these Official Rules and to the decisions of the Sponsor, which are final and binding in all respects. Void in any state not listed above and where prohibitedby law, rule or regulation. All federal, state and local laws and regulations apply.
  2. TIMING:

    MEMBERSHIP AND SAVING PERIOD:The Promotion will consist of fifty-one (51) individual saving periods (each a “Membership and Saving Period”) which are outlined within the chart below:

    Membership and
    Saving Period
    Membership and Saving Period
    Start Date and Time (PT)
    Membership and Saving Period
    End Date and Time (PT)
    107/01/19 at 6:00:00 AM07/08/19 at 5:59:59 AM
    207/08/19 at 6:00:00 AM07/15/19 at 5:59:59 AM
    307/15/19 at 6:00:00 AM07/22/19 at 5:59:59 AM
    407/22/19 at 6:00:00 AM07/29/19 at 5:59:59 AM
    507/29/19 at 6:00:00 AM08/05/19 at 5:59:59 AM
    608/05/19 at 6:00:00 AM08/12/19 at 5:59:59 AM
    708/12/19 at 6:00:00 AM08/19/19 at 5:59:59 AM
    808/19/19 at 6:00:00 AM08/26/19 at 5:59:59 AM
    908/26/19 at 6:00:00 AM09/02/19 at 5:59:59 AM
    1009/02/19 at 6:00:00 AM09/09/19 at 5:59:59 AM
    1109/09/19 at 6:00:00 AM09/16/19 at 5:59:59 AM
    1209/16/19 at 6:00:00 AM09/23/19 at 5:59:59 AM
    1309/23/19 at 6:00:00 AM09/30/19 at 5:59:59 AM
    1409/30/19 at 6:00:00 AM10/07/19 at 5:59:59 AM
    1510/07/19 at 6:00:00 AM10/14/19 at 5:59:59 AM
    1610/14/19 at 6:00:00 AM10/21/19 at 5:59:59 AM
    1710/21/19 at 6:00:00 AM10/28/19 at 5:59:59 AM
    1810/28/19 at 6:00:00 AM11/04/19 at 5:59:59 AM
    1911/04/19 at 6:00:00 AM11/11/19 at 5:59:59 AM
    2011/11/19 at 6:00:00 AM11/18/19 at 5:59:59 AM
    2111/18/19 at 6:00:00 AM11/25/19 at 5:59:59 AM
    2211/25/19 at 6:00:00 AM12/02/19 at 5:59:59 AM
    2312/02/19 at 6:00:00 AM12/09/19 at 5:59:59 AM
    2412/09/19 at 6:00:00 AM12/16/19 at 5:59:59 AM
    2512/16/19 at 6:00:00 AM12/23/19 at 5:59:59 AM
    2612/23/19 at 6:00:00 AM12/30/19 at 5:59:59 AM
    2712/30/19 at 6:00:00 AM01/06/20 at 5:59:59 AM
    2801/06/20 at 6:00:00 AM01/13/20 at 5:59:59 AM
    2901/13/20 at 6:00:00 AM01/20/20 at 5:59:59 AM
    3001/20/20 at 6:00:00 AM01/27/20 at 5:59:59 AM
    3101/27/20 at 6:00:00 AM02/03/20 at 5:59:59 AM
    3202/03/20 at 6:00:00 AM02/10/20 at 5:59:59 AM
    3302/10/20 at 6:00:00 AM02/17/20 at 5:59:59 AM
    3402/17/20 at 6:00:00 AM02/24/20 at 5:59:59 AM
    3502/24/20 at 6:00:00 AM03/02/20 at 5:59:59 AM
    3603/02/20 at 6:00:00 AM03/09/20 at 5:59:59 AM
    3703/09/20 at 6:00:00 AM03/16/20 at 5:59:59 AM
    3803/16/20 at 6:00:00 AM03/23/20 at 5:59:59 AM
    3903/23/20 at 6:00:00 AM03/30/20 at 5:59:59 AM
    4003/30/20 at 6:00:00 AM04/06/20 at 5:59:59 AM
    4104/06/20 at 6:00:00 AM04/13/20 at 5:59:59 AM
    4204/13/20 at 6:00:00 AM04/20/20 at 5:59:59 AM
    4304/20/20 at 6:00:00 AM04/27/20 at 5:59:59 AM
    4404/27/20 at 6:00:00 AM05/04/20 at 5:59:59 AM
    4505/04/20 at 6:00:00 AM05/11/20 at 5:59:59 AM
    4605/11/20 at 6:00:00 AM05/18/20 at 5:59:59 AM
    4705/18/20 at 6:00:00 AM05/25/20 at 5:59:59 AM
    4805/25/20 at 6:00:00 AM06/01/20 at 5:59:59 AM
    4906/01/20 at 6:00:00 AM06/08/20 at 5:59:59 AM
    5006/08/20 at 6:00:00 AM06/15/20 at 5:59:59 AM
    5106/15/20 at 6:00:00 AM06/22/20 at 5:59:59 AM

    ENTRY PERIOD: The Promotion Period will consist of fifty-two (52) individual entry periods (each an “Entry Period”) which are outlined within the chart below:

    Entry Period
    Start Date and Time (PT)
    Entry Period
    End Date and Time (PT)
    107/01/19 at 12:00:00 PM07/07/19 at 11:59:59 PM
    207/08/19 at 12:00:00 PM07/14/19 at 11:59:59 PM
    307/15/19 at 12:00:00 PM07/21/19 at 11:59:59 PM
    407/22/19 at 12:00:00 PM07/28/19 at 11:59:59 PM
    507/29/19 at 12:00:00 PM08/04/19 at 11:59:59 PM
    608/05/19 at 12:00:00 PM08/11/19 at 11:59:59 PM
    708/12/19 at 12:00:00 PM08/18/19 at 11:59:59 PM
    808/19/19 at 12:00:00 PM08/25/19 at 11:59:59 PM
    908/26/19 at 12:00:00 PM09/01/19 at 11:59:59 PM
    1009/02/19 at 12:00:00 PM09/08/19 at 11:59:59 PM
    1109/09/19 at 12:00:00 PM09/15/19 at 11:59:59 PM
    1209/16/19 at 12:00:00 PM09/22/19 at 11:59:59 PM
    1309/23/19 at 12:00:00 PM09/29/19 at 11:59:59 PM
    1409/30/19 at 12:00:00 PM10/06/19 at 11:59:59 PM
    1510/07/19 at 12:00:00 PM10/13/19 at 11:59:59 PM
    1610/14/19 at 12:00:00 PM10/20/19 at 11:59:59 PM
    1710/21/19 at 12:00:00 PM10/27/19 at 11:59:59 PM
    1810/28/19 at 12:00:00 PM11/03/19 at 11:59:59 PM
    1911/04/19 at 12:00:00 PM11/10/19 at 11:59:59 PM
    2011/11/19 at 12:00:00 PM11/17/19 at 11:59:59 PM
    2111/18/19 at 12:00:00 PM11/24/19 at 11:59:59 PM
    2211/25/19 at 12:00:00 PM12/01/19 at 11:59:59 PM
    2312/02/19 at 12:00:00 PM12/08/19 at 11:59:59 PM
    2412/09/19 at 12:00:00 PM12/15/19 at 11:59:59 PM
    2512/16/19 at 12:00:00 PM12/22/19 at 11:59:59 PM
    2612/23/19 at 12:00:00 PM12/29/19 at 11:59:59 PM
    2712/30/19 at 12:00:00 PM01/05/20 at 11:59:59 PM
    2801/06/20 at 12:00:00 PM01/12/20 at 11:59:59 PM
    2901/13/20 at 12:00:00 PM01/19/20 at 11:59:59 PM
    3001/20/20 at 12:00:00 PM01/26/20 at 11:59:59 PM
    3101/27/20 at 12:00:00 PM02/02/20 at 11:59:59 PM
    3202/03/20 at 12:00:00 PM02/09/20 at 11:59:59 PM
    3302/10/20 at 12:00:00 PM02/16/20 at 11:59:59 PM
    3402/17/20 at 12:00:00 PM02/23/20 at 11:59:59 PM
    3502/24/20 at 12:00:00 PM03/01/20 at 11:59:59 PM
    3603/02/20 at 12:00:00 PM03/08/20 at 11:59:59 PM
    3703/09/20 at 12:00:00 PM03/15/20 at 11:59:59 PM
    3803/16/20 at 12:00:00 PM03/22/20 at 11:59:59 PM
    3903/23/20 at 12:00:00 PM03/29/20 at 11:59:59 PM
    4003/30/20 at 12:00:00 PM04/05/20 at 11:59:59 PM
    4104/06/20 at 12:00:00 PM04/12/20 at 11:59:59 PM
    4204/13/20 at 12:00:00 PM04/19/20 at 11:59:59 PM
    4304/20/20 at 12:00:00 PM04/26/20 at 11:59:59 PM
    4404/27/20 at 12:00:00 PM05/03/20 at 11:59:59 PM
    4505/04/20 at 12:00:00 PM05/10/20 at 11:59:59 PM
    4605/11/20 at 12:00:00 PM05/17/20 at 11:59:59 PM
    4705/18/20 at 12:00:00 PM05/24/20 at 11:59:59 PM
    4805/25/20 at 12:00:00 PM05/31/20 at 11:59:59 PM
    4906/01/20 at 12:00:00 PM06/07/20 at 11:59:59 PM
    5006/08/20 at 12:00:00 PM06/14/20 at 11:59:59 PM
    5106/15/20 at 12:00:00 PM06/21/20 at 11:59:59 PM
    5206/22/20 at 12:00:00 PM06/28/20 at 11:59:59 PM
  3. HOW TO PARTICIPATE: There are two (2) methods of participation in the Promotion which are outlined below:
    • SAVERLIFE MEMBER ACCOUNT METHOD:At the beginning of the Promotion eligible SaverLife Members, as outlined in Section 1, as of 6/28/19 at 11:59:59 AM PT, will receive an invitation email from SaverLife with a linkto (the “Website”) to participate during Entry Period #1.For the rest of the Entry Periods(#2-52), only SaverLife Members who have saved at least five dollars ($5 USD) or who have signed up to become a SaverLife Member in the previous Membership and Saving Period are eligible to participate via this entry method (e.g.,SaverLife Members who have saved at least five dollars in Membership and Saving Period #2 or are a new SaverLife Member are eligible to participate in Entry Period #3). Saving at least five dollars ($5 USD) will be calculated bycomparing the SaverLife Member’s linked account balance on at 6:00:00 AM PT on the first day of the previous Membership and Saving Period to 5:59:59 AM PT on the last day of the previous Membership and Saving Period. If the balanceon the last day of the previous Membership and Saving Period is at least five dollars ($5 USD) greater than on the first day of the previous Member and Saving Period, the SaverLife Member will receive an entry to participate inthe Entry Period via this entry method. SaverLife Members can only play to win for one (1) prize based on the amount saved in the previous Member and Saving Period.To participate, log in to the Website during the Promotion Periodwith the email address associated with your SaverLife account and complete the registration form with your true and correct information in the required fields (required fields include: Email Address) if you have not done so previously.You will also earn one (1) gameplay for the “Scratch Card” Instant Win game (“Game”). When the Game is completed you will be notified if you are a winner or loser. To win, you must have revealed a winning card. All winners aresubject to verification before any prize will be awarded. For subsequent Entry Periods, you will automatically earn one (1) gameplay when you save at least 5 dollars ($5 USD) or have signed up to become a SaverLife Member in theprevious Membership and Saving Period. Eligible participants will receive an email inviting them to play by going to the Website.

      ALTERNATE METHOD:To enter without linking an account to SaverLife, visit (the “Alternate Means of Entry Website”) during the Promotion Period and log in with the email address associated with your SaverLife account and complete the registration form with your true and correct information in therequired fields (required fields include: Email Address) if you have not done so previously. Upon registering, you will earn one (1) gameplay for the Entry Period in which you register.  For subsequent Entry Periods, youwill earn one (1) gameplay by visiting and entering your SaverLifeemail address.

    Limit of one (1) Instant Win gameplay per person, per Entry Period regardless of method of participation. Regardless of method of entry, all participants must satisfy the eligibility requirements set forth above in order to be eligible to win a prize.

    Each entry and all other information provided by a participant in and/or winner of the Promotion in connection with the Promotion and/or any prize will be subject to the Sponsor’s Privacy Policy, located at By entering the Promotion, you acknowledge that your email address will be made available to the Sponsor and the Administrator. You further acknowledge that the Sponsor is permitted to use your email address in accordance with the Sponsor’s Privacy Policy, located at

  4. INSTANT WIN PRIZE AWARDING/ODDS:Ten thousand four hundred (10,400) Instant Win prize winners will be randomly determined (as determined by the Sponsor) throughout the Promotion Period by Administrator’s time-based algorithm.Participants will be notified through the Game website whether they have won or lost promptly after each gameplay. All winners are subject to verification.  Odds of winning an Instant Win Prize depend on the number of eligible Promotionentries received and the date and time when a Promotion participant plays during the Promotion Period.
  5. INSTANT WIN PRIZES (10,400):A total of ten thousand four hundred (10,400) Instant Win Prizes will be awarded (one (1) prize per winner), during the Promotion as detailed below:
    • Ten thousand four hundred (10,400) $5 PayPal payment (Approximate Retail Value (“ARV”) per prize: $5.00)

    The ARV of all Promotion Prizes is $52,000.

    GENERAL PRIZE RESTRICTIONS:Winners must have and input a valid PayPal account. If a winner does not have a valid PayPal account, the winner must sign up for an account in order to receive the prize. To learn more about PayPal and how to become a member, please visit: The Sponsor is not responsible to provide an alternative prize to any winner that is unable to accept the prize via PayPal.Acceptance of prize constitutes permission to use winner’s name, photograph and likeness for publicity purposes without further compensation in any and all media now known or hereinafter without territorial restriction (except where prohibitedby law). By entering, you agree that Promotion Parties and their respective subsidiaries, affiliates, directors, employees, agents, successors and/or assigns and their advertising and promotional agencies shall have no liability for, andto release and hold all such parties harmless from, any damage, loss or liability to person or property, due in whole or part, directly or indirectly, by reason of the acceptance, possession, use or misuse of prize or participation inthis Promotion. Any and all disputes, claims and causes of action arising out of or connected with this Promotion, or any prize awarded, shall be resolved individually, without resort to any form of class action, and exclusively by arbitration.Any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Promotion, but in no event attorney’s fees. Sponsor reserves the right, in its sole discretionto terminate, modify, cancel or suspend this Promotion and award the prize from among all eligible Entries received prior to action taken by Sponsor, should fraud, virus, bugs or other causes beyond the control of Sponsor corrupt the administration,security or proper play of the game. Promotion Parties are not responsible for computer system, phone line, hardware, software or program malfunctions, or other errors, failures or delays in computer transmissions or network connectionsthat are human or technical in nature. Sponsor reserves the right at its sole discretion, to disqualify any individual, and all of his/her Entries, who tampers with the entry process.
  6. PRIZE LIMITATIONS:Limit of one (1) Instant Win Prize per person/per household per Entry Period.Instant Win prizes will be fulfilled approximately one (1) week after winner confirms their PayPal-associated email address via the redemption form.Instant Win prizes will be sent to the email address provided for PayPal prize fulfillment. If it is discovered, during prize verification, that you have entered, attempted to enter, or used multiple accounts to enter more than the statedlimit, you will be disqualified at the discretion of the administrator, or will be void. Entries generated by script, macro or other automated means and Entries made by any means, which subvert the entry process, are void. All Entriesbecome 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.
  7. RELEASE OF LIABILITY: Promotion Parties shall not be responsible or liable for Entries that are entered by other than human means (such as by an automated computer program or any non-human mechanism, entity, or device), inexcess of the stated limit, or for Entries that are late, forged, destroyed, lost, misplaced, stolen, misdirected, tampered with, incomplete, deleted, damaged, garbled, or otherwise not in compliance with these official rules, and allsuch Entries will be disqualified. By entering the Promotion, you agree: (i) to be bound by these official rules and by all applicable laws and all decisions of the judges which shall be binding and final; (ii) to waive any rights to claimambiguity with respect to the official rules; (iii) to waive all of his/her rights to bring any claim, action, or proceeding against any of the Promotion Parties; and (iv) to release, indemnify, and hold harmless each of the PromotionParties and each of their respective officers, directors, employees, agents and representatives, from any liability (including, but not limited to, liability for any property loss, damage, personal injury, bodily injury, death, loss, expense,accident, delay, inconvenience or irregularity), costs and expenses (including without limitation, reasonable outside attorney’s fees) that may arise in connection with: (a) your participation or inability to participate in the Promotion,(b) typographical errors in the official rules or any Promotion promotional materials, (c) acceptance or possession, defects in, use, misuse or inability to use an prize (or any component thereof), (d) any change by any company or anyother person providing any of the components of a prize due to reasons beyond any of the Promotion Parties’ control or as otherwise permitted hereunder, (e) any interruptions in or postponement, cancellation, or modification of the Promotion,(f) human error, (g) incorrect or inaccurate transcription, receipt or transmission of any part of the Entry (including, without limitation, the entry information or any parts thereof), (h) any technical malfunctions or unavailabilityof the Promotion site or any telephone network, computer online system, computer dating mechanism, computer equipment, software, or internet service provider utilized by any of the Promotion Parties or by you, (i) interruption or inabilityto access the Promotion, any Promotion-related web pages, or any online service via the internet due to hardware or software compatibility problems, (j) any damage to your (or any third person’s) computer and/or its contents related toor resulting from any part of the Promotion, (k) any lost/delayed data transmissions, omissions, interruptions, defects, and/or any other errors or malfunctions, (l) any wrongful, negligent, or unauthorized act or omissions on the partof any of the Promotion Parties, or any of their agents or employees, or (m) any other cause, condition or event whatsoever beyond the control of any one or more of the Promotion Parties. Each winner hereby acknowledges that the PromotionParties have neither made nor are in any manner responsible or liable for any warranty, representation or guarantee, express or implied, in fact or in law, relative to any prize or component thereof, including any express or implied warrantiesprovided by any of the prize suppliers associated with this Promotion.
  8. CHOICE OF LAW AND JURISDICTION:Except where prohibited, all issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrantsor winners, Sponsor, Build or Administrator in connection with this Promotion, 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 rulesor provisions (whether of the state of California or any other jurisdiction), which might otherwise cause the application of the laws of any jurisdiction other than the state of California. Any action seeking legal or equitable reliefarising out of or relating to the Promotion or these Official Rules shall be brought only in the courts of the state of California. You hereby irrevocably consent to the personal jurisdiction of said courts and waive any claim of forumnon-convenience or lack of personal jurisdiction they may have.
  9. TAX INFORMATION:All federal, state, local, and other taxes on prizes and any other costs and expenses associated with this Promotion, including prize acceptance and use, not specified herein as being provided, are the soleresponsibility of the applicable winner.
  10. WINNER LIST:For the names of the winner send a #10 self-addressed stamped envelope to: Scratch and Save Winners List Request, C/O Realtime Media, 200 Four Falls Corporate Center, Suite 100, Conshohocken, PA 19428. Requestsfor the winners list must be received no later than ninety (90) days from the end of the Promotion Period (residents of Vermont and Washington need not include return postage).

    SPONSOR: EARN Inc., 235 Montgomery St., Suite 1050, San Francisco, CA 94104

    ADMINISTRATOR:Realtime Media LLC, 200 Four Falls Corporate Center, Suite 100, Conshohocken, PA  19428