Scratch and Save 2021


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 2021 ("Promotion") begins at 12:00:00 PM Pacific Time (“PT”) on March 29,2021 and ends at 11:59:59 AM PT on January 3, 2022 (“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 and Nebraska 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 business entities are not eligible. Employees of EARN Inc, dba SaverLife. (“Sponsor”) and Realtime Media LLC (“Administrator”) their respective parent companies, affiliates, subsidiaries, advertising and fulfillment and marketing agencies (collectively, “Promotion Parties”), 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 eligible to 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 prohibited by law, rule or regulation. All federal, state and local laws and regulations apply. 

2.     TIMING:  

ENTRY PERIOD: The Promotion Period will consist of forty (40) individual entry periods (each an “Entry Period”) which are outlined within the chart below:

 ·       Entry Period One (1): Begins 03/29/21 at 12:00:00 PM and ends 04/05/21 at 11:59:59 AM

·       Entry Period Two (2): Begins 04/05/21 at 12:00:00 PM and ends 04/12/21 at 11:59:59 AM

·       Entry Period Three (3): Begins 04/12/21 at 12:00:00 PM and ends 04/19/21 at 11:59:59 AM

·       Entry Period Four (4): Begins 04/19/21 at 12:00:00 PM and ends 04/26/21 at 11:59:59 AM

·       Entry Period Five (5): Begins 04/26/21 at 12:00:00 PM and ends 05/03/21 at 11:59:59 AM

·       Entry Period Six (6): Begins 05/03/21 at 12:00:00 PM and ends 05/10/21 at 11:59:59 AM

·       Entry Period Seven (7): Begins 05/10/21 at 12:00:00 PM and ends 05/17/21 at 11:59:59 AM

·       Entry Period Eight (8): Begins 05/17/21 at 12:00:00 PM and ends 05/24/21 at 11:59:59 AM

·       Entry Period Nine (9): Begins 05/24/21 at 12:00:00 PM and ends 05/31/21 at 11:59:59 AM

·       Entry Period Ten (10): Begins 05/31/21 at 12:00:00 PM and ends 06/07/21 at 11:59:59 AM

·       Entry Period Eleven (11): Begins 06/07/21 at 12:00:00 PM and ends 06/14/21 at 11:59:59 AM

·       Entry Period Twelve (12): Begins 06/14/21 at 12:00:00 PM and ends 06/21/21 at 11:59:59 AM

·       Entry Period Thirteen (13): Begins 06/21/21 at 12:00:00 PM and ends 06/28/21 at 11:59:59 AM

·       Entry Period Fourteen (14): Begins 06/28/21 at 12:00:00 PM and ends 07/05/21 at 11:59:59 AM

·       Entry Period Fifteen (15): Begins 07/05/21 at 12:00:00 PM and ends 07/12/21 at 11:59:59 AM

·       Entry Period Sixteen (16): Begins 07/12/21 at 12:00:00 PM and ends 07/19/21 at 11:59:59 AM

·       Entry Period Seventeen (17): Begins 07/19/21 at 12:00:00 PM and ends 07/26/21 at 11:59:59 AM

·       Entry Period Eighteen (18): Begins 07/26/21 at 12:00:00 PM and ends 08/02/21 at 11:59:59 AM

·       Entry Period Nineteen (19): Begins 08/02/21 at 12:00:00 PM and ends 08/09/21 at 11:59:59 AM

·       Entry Period Twenty (20): Begins 08/09/21 at 12:00:00 PM and ends 08/16/21 at 11:59:59 AM

·       Entry Period Twenty-One (21): Begins 08/16/21 at 12:00:00 PM and ends 08/23/21 at 11:59:59 AM

·       Entry Period Twenty-Two (22): Begins 08/23/21 at 12:00:00 PM and ends 08/30/21 at 11:59:59 AM

·       Entry Period Twenty-Three (23): Begins 08/30/21 at 12:00:00 PM and ends 09/06/21 at 11:59:59 AM

·       Entry Period Twenty-Four (24): Begins 09/06/21 at 12:00:00 PM and ends 09/13/21 at 11:59:59 AM

·       Entry Period Twenty-Five (25): Begins 09/13/21 at 12:00:00 PM and ends 09/20/21 at 11:59:59 AM

·       Entry Period Twenty-Six (26): Begins 09/20/21 at 12:00:00 PM and ends 09/27/21 at 11:59:59 AM

·       Entry Period Twenty-Seven (27): Begins 09/27/21 at 12:00:00 PM and ends 10/04/21 at 11:59:59 AM

·       Entry Period Twenty-Eight (28): Begins 10/04/21 at 12:00:00 PM and ends 10/11/21 at 11:59:59 AM

·       Entry Period Twenty-Nine (29): Begins 10/11/21 at 12:00:00 PM and ends 10/18/21 at 11:59:59 AM

·       Entry Period Thirty (30): Begins 10/18/21 at 12:00:00 PM and ends 10/25/21 at 11:59:59 AM

·       Entry Period Thirty-One (31): Begins 10/25/21 at 12:00:00 PM and ends 11/01/21 at 11:59:59 AM

·       Entry Period Thirty-Two (32): Begins 11/01/21 at 12:00:00 PM and ends 11/08/21 at 11:59:59 AM

·       Entry Period Thirty-Three (33): Begins 11/08/21 at 12:00:00 PM and ends 11/15/21 at 11:59:59 AM

·       Entry Period Thirty-Four (34): Begins 11/15/21 at 12:00:00 PM and ends 11/22/21 at 11:59:59 AM

·       Entry Period Thirty-Five (35): Begins 11/22/21 at 12:00:00 PM and ends 11/29/21 at 11:59:59 AM

·       Entry Period Thirty-Six (36): Begins 11/29/21 at 12:00:00 PM and ends 12/06/21 at 11:59:59 AM

·       Entry Period Thirty-Seven (37): Begins 12/06/21 at 12:00:00 PM and ends 12/13/21 at 11:59:59 AM

·       Entry Period Thirty-Eight (38): Begins 12/13/21 at 12:00:00 PM and ends 12/20/21 at 11:59:59 AM

·       Entry Period Thirty-Nine (39): Begins 12/20/21 at 12:00:00 PM and ends 12/27/21 at 11:59:59 AM

·       Entry Period Forty (40): Begins 12/27/21 at 12:00:00 PM and ends 1/3/22 at 11:59:59 AM

 3.     HOW TO PARTICIPATE: There are two (2) methods of participation in the Promotion which are outlined below:

a.     SAVERLIFE MEMBER ACCOUNT METHOD: Using the SaverLife web application, take actions to earn “Scratch & Save” Instant Win gameplays (such as logging into SaverLife, reading articles on the SaverLife website, using savings tools, or saving in the account you have linked to SaverLife) as directed in the SaverLife dashboard. Visit the SaverLife Store in the web application to play the “Scratch & Save” Instant Win 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 are subject to verification before any prize will be awarded.

b.     ALTERNATE METHOD: To enter without linking an account to SaverLife, visit (the “Alternate Means of Entry Website”) during the Promotion Period and complete the registration form with your true and correct information in the required fields (required fields include: Email Address matching the Email Address you used to sign up for SaverLife). Upon registering, you will earn three (3) Instant Win Game Plays.

 Limit of three (3) Instant Win gameplays 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: Eight Thousand (8,000) Instant Win prize winners will be randomly determined (as determined by the Sponsor) throughout the Promotion Period by Sponsor’s time-based algorithm during each entry period. 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 Promotion entries received and the date and time when a Promotion participant plays during the Promotion Period.

 5.     INSTANT WIN PRIZES (8,000): A total of eight thousand (8,000) Instant Win Prizes will be awarded (approximately two hundred (200) per Entry Period), during the Promotion. Each winner will receive:

·       One (1) $5 payment via PayPal, Venmo, or ACH (Approximate Retail Value (“ARV”) per prize: $5.00)

The ARV of all Promotion Prizes is $40,000.

 GENERAL PRIZE RESTRICTIONS: The Sponsor is not responsible to provide an alternative prize to any winner that is unable to accept the prize. 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 prohibited by 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, and to 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 in this 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 discretion to 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 connections that 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 three (3) Instant Win Prizes per person/per household per Entry Period. Instant Win prizes will be fulfilled approximately two (2) weeks after winning. Instant Win prizes can be claimed via Venmo, PayPal, or ACH. If it is discovered, during prize verification, that you have entered, attempted to enter, or used multiple accounts to enter more than the stated limit, 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 Entries become 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), in excess 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 all such 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 claim ambiguity 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 Promotion Parties 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 any other 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 unavailability of 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 inability to 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 to or 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 part of 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 Promotion Parties 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 warranties provided 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 entrants or 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 rules or 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 relief arising 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 forum non-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 sole responsibility of the applicable winner.

 10.  WINNER LIST: For the names of the winner send a #10 self-addressed stamped envelope to: Scratch and Save 2021 Winners List Request, C/O Realtime Media, 200 Four Falls Corporate Center, Suite 100, Conshohocken, PA 19428. Requests for 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. dba SaverLife, 235 Montgomery St., Suite 1050, San Francisco, CA 94104

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