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OFFICIAL GIVEAWAY RULES

Relay “$25k Cash Flow Glow Up” Giveaway

NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED OR RESTRICTED BY LAW. THIS GIVEAWAY (DEFINED BELOW) IS INTENDED FOR ENTRY IN THE UNITED STATES ONLY AND WILL BE GOVERNED BY U.S. LAW.

  1. SPONSOR: Relay Financial Technologies Inc. located at 60 Adelaide East, Suite 700, Toronto, ON, Canada M5C 3E4 (“Relay” or “Sponsor”)

  2. DATES/GIVEAWAY PERIOD: The “Relay $25k Cash Flow Glow Up Giveaway” (the “Giveaway”) will begin at 12:00 a.m. Eastern Time (“ET”) on November 25, 2024 and will end at 11:59 p.m. ET on December 31, 2024 (the “Giveaway Period”). For purposes of these Official Rules, all times are given in ET. The date and time stamp from the Website (defined below) will be the official time keeping device for this Giveaway.

  3. ELIGIBILITY: The Giveaway is open to permanent legal residents of the fifty (50) United States and the District of Columbia (excluding residents of Alaska and Hawaii) who are eighteen (18) years of age or older (or the age of majority in their respective jurisdiction of residence) and the owner of an enterprise registered to conduct business in the United States at time of entry (each, an “Entrant”). The Entrant who is selected as the potential grand prize winner (the “Grand Prize Winner”) must have a unique, personal and valid social security number and physical United States address (if a sole proprietorship) or employee identification number (“EIN”) with a physical United States address (if a legal entity) for Sponsor to report the tax liability associated with acceptance of the grand prize (the “Grand Prize”). Valid social security/EINs will be determined by Internal Revenue Service (“IRS”) requirements as further defined in the “PRIZE CLAIMS” section of these Official Rules. Employees and their immediate family members (parents, children, siblings or spouse, regardless of where they live, or persons living in the same household, whether related or not) of the Sponsor, and each of its respective parent companies, divisions, affiliates, subsidiaries, distributors, advertising agencies, and any others engaged in the development, production, execution or distribution of this Giveaway, including but not limited to National Sweepstakes Company, LLC (the “Independent Administrator”) (all of the aforementioned collectively referred to as the “Giveaway Entities”), are not eligible to participate. The Giveaway is subject to all federal, state, and local laws and regulations and is void in Alaska, Hawaii, outside the remaining United States and the District of Columbia, and wherever else restricted or prohibited by law. By entering this Giveaway, Entrants indicate their full and unconditional agreement to, and acceptance of, these Official Rules and the decisions of the Sponsor, which are final and binding in all respects. Winning the Grand Prize is contingent upon fulfilling all requirements set forth herein.

    Sponsor shall have the right at any time to require proof of identity and/or eligibility to participate in the Giveaway. Failure to provide such proof may result in disqualification. All personal and other information requested by and supplied to Sponsor for the purpose of the Giveaway must be truthful, complete, accurate and in no way misleading. Sponsor reserves the right, in its sole discretion; to disqualify the Entrant, should such the Entrant at any stage supply untruthful, incomplete, inaccurate or misleading personal or business details and/or information.

  4. HOW TO ENTER: There are two (2) ways to enter the Giveaway: (a) open and fund a Relay account (“Account”); or (b) without opening an Account. Regardless of the method used to enter the Giveaway, there is a limit of one (1) entry per Entrant.

    1. Open an Account: To enter the Giveaway by opening an Account, visit https://relayfi.com/cash-flow-glow-up (the “Website”) during the Giveaway Period and complete the official entry form in its entirety including your email, full name, and monthly revenue. Then, click “Enter Now” and register for a new Account by following the instructions to open a Relay checking or savings Account. Entrant must deposit a minimum of one hundred dollars ($100.00) into the new Account to enter the Giveaway via this method.
    2. Without opening an Account (write in entry by mail): To enter the Giveaway without opening an Account, legibly handwrite your first and last name, legal business name, business address, city, state and zip code, telephone number (including area code), email address and date of birth on a postcard or a card that is no smaller than 3 ½ x 5 inches and no larger than 4 ¼ x 6 inches, with proper postage to: “Relay $25k Cash Flow Glow Up Giveaway”, 590 Madison Ave, New York, NY 10022. Envelopes will not be accepted. All write-in entries must be postmarked by December 31, 2024 and received by January 7, 2025. Each postcard is considered one (1) entry into the Giveaway. Multiple entries submitted or completed by anyone other than the Entrant are void. No mechanical reproductions will be accepted. Write-in entries must contain all entry requirements outlined above; otherwise, they are void and will not be eligible for the chance to win. Entries submitted or completed by anyone other than the Entrant are void. Sponsor will not verify receipt of entries for Entrants. All entries submitted by mail become the sole property of the Sponsor and will not be returned. Sponsor is not responsible for lost, late, misdirected, illegible, postage-due or damaged mailed entries.

    In the event of a dispute regarding the identity of the person who submitted an online entry, the entry will be deemed submitted by the Authorized Account Holder (defined below) of the email address connected with the email account from which the Account was created. “Authorized Account Holder” is defined as the natural person who is assigned to an email address by the Internet access provider, online service provider, or other organization (e.g., business, educational institution, etc.) that is responsible for assigning email addresses for the domain associated with the submitted email address. An Entrant may be requested to provide Sponsor with proof that the Entrant is the Authorized Account Holder of the email address associated with the entry. Any attempt by any Entrant to enter this Giveaway using multiple/different accounts or any other methods may void the Entrant’s entries and may result in disqualification, at the sole discretion of Sponsor. Use of any automated system to participate in the Giveaway is prohibited and may result in disqualification. The Giveaway Entities are not responsible for any entry that is lost, late, misdirected or undeliverable, whether due to system errors, omissions, interruptions, deletions, defects, delays in operation or transmissions or any other reason, theft or destruction or failures, faulty transmissions or other telecommunication malfunctions, entries not received resulting from any hardware or software failures of any kind, lost or unavailable network connections, failed, incomplete or garbled computer or telephone transmissions, typographical or system errors and failures, technical malfunctions, or otherwise. Late entries or entries sent via any other method than those stated above will not be accepted.

  5. WINNING/NOTIFICATION: On or about January 31, 2025, one (1) Grand Prize winner will be randomly selected from among all eligible entries received during the Giveaway Period. The random drawing will be conducted by the Sponsor whose decisions are based upon their sole discretion and interpretation of these Official Rules and are final and binding in all respects. Odds of being selected as the Grand Prize Winner are dependent upon the total number of eligible entries received during the Giveaway Period.

    The potential Grand Prize Winner will be notified by the Sponsor by email within one (1) to three (3) business days from the date in which the random drawing takes place. The Grand Prize Winner will be required to complete “Required Documents” as further described in the “PRIZE CLAIMS” section below. Sponsor will only make two (2) attempts to reach the potential Grand Prize Winner via email within a seven (7) day period. In the event the Sponsor cannot reach the potential Grand Prize Winner after two (2) attempts have been made, the original potential Grand Prize Winner will be disqualified and an alternate Grand Prize Winner (selected randomly as outlined above) will be notified until one (1) Grand Prize Winner is confirmed.

  6. PRIZE CLAIMS: Except where prohibited, the potential Grand Prize Winner will be required to complete, execute and return an Affidavit of Eligibility, Liability and Publicity Release (the “Release”) and an IRS Form W-9 (“W-9 Form”) and any other documents required by Sponsor, (collectively, the “Required Documents”) within three (3) days or less from receipt of notification from the Sponsor by email. If the potential Grand Prize Winner fails to return the Required Documents within the time-period required, or if the email is returned as undeliverable, such potential Grand Prize Winner forfeits his/her right to the Grand Prize and an alternate will be notified as outlined in the “WINNING/NOTIFICATION” section above, even if the disqualified potential Grand Prize Winner’s name may have been publicly announced. Potential Grand Prize Winner must report income to the IRS. In the event it is deemed during the verification process that the potential Grand Prize Winner does not have a unique, personal and valid social security number or EIN for Sponsor to report the tax liability associated with acceptance of the Grand Prize, such potential Grand Prize Winner will be disqualified, and an alternate will be notified as outlined above. Valid social security numbers/EINs will be determined by IRS requirements. If it is determined by the Sponsor, in its sole discretion, that the potential Grand Prize Winner is not eligible or otherwise not in compliance with these Official Rules, the potential Grand Prize Winner forfeits his/her right to the Grand Prize and an alternate will be notified as outlined in the “WINNING/NOTIFICATION” section above, even if the disqualified potential Grand Prize Winner’s name may have been publicly announced. In the event the potential Grand Prize Winner is disqualified for any reason, Sponsor/Independent Administrator shall have no liability or obligation to such individual.

  7. PRIZE: One (1) Grand Prize of $25,000 cash will be awarded. The approximate retail value (“ARV”) of the Grand prize is twenty-five thousand dollars ($25,000.00). If the Grand Prize Winner is an Account holder, the Grand Prize will be deposited directly into his/her/their Relay bank Account. If the Grand Prize Winner does not have a Relay bank Account, the Grand Prize will be awarded in the form of a check, sent via registered mail, signature required. The Grand prize will be awarded within four (4) to six (6) weeks or less from the date in which the Sponsor receives and verifies the Grand Prize Winner’s Required Documents.

    The Grand Prize Winner may not assign or transfer the Grand Prize to another person. No prize substitution, exchanges, redemptions, transfers or changes are allowed, except at the sole and absolute discretion of Sponsor. Grand Prize should only be redeemed and accepted by the applicable Grand Prize Winner. Grand Prize will only be awarded if properly claimed according to these Official Rules. All taxes, fees and surcharges related to the Grand Prize, if any, are the sole responsibility of the Grand Prize Winner and may be subject to applicable withholding.

    No more than one (1) Grand Prize will be awarded. Any and all Grand Prize-related expenses, including without limitation any and all federal, state, and/or local taxes shall be the sole responsibility of the Grand Prize Winner. The Grand Prize consists only of the items listed herein. Sponsor makes no representations or warranties with respect to the potential benefits or outcomes to any prize winner with respect to the Grand Prize.

  8. GENERAL RULES OF PARTICIPATION: By participating in this Giveaway, Entrants and Grand Prize Winner (a) release each and all of the Giveaway Entities, from any and all liability, damages or causes of action (however named or described) with respect to or arising out of participation in the Giveaway, and/or the receipt or use/misuse of the Grand Prize awarded, including, without limitation, liability for personal injury, death or property damage; and (b) agree to be bound by these Official Rules and the decisions of the Sponsor/Independent Administrator, which are final in all respects and not subject to appeal. Sponsor reserves the right permanently to disqualify from this Giveaway any Entrant or Grand Prize Winner it believes has violated these Official Rules. Sponsor may prohibit an Entrant from participating in the Giveaway or winning the Grand Prize if, in its sole discretion, it determines that said Entrant is attempting to undermine the legitimate operation of the Giveaway by cheating, hacking, deception, or other unfair playing practices or intending to annoy, abuse, threaten or harass any other Entrants, Sponsor, or Giveaway Entities. If for any reason this Giveaway is not able to be conducted as planned, including, but not limited to, by reason of infection by computer virus, bugs, tampering, unauthorized intervention, fraud or any other causes beyond the reasonable control of Sponsor which corrupt or affect the administration, security, fairness, integrity or proper conduct of the Giveaway, then Sponsor reserves the right at its sole discretion to cancel, terminate, modify or suspend the Giveaway and select a Grand Prize Winner based on the entries received up to the cancellation, modification, termination, or suspension date. Notification of such action will be provided on the Website. To the fullest extent permitted by law, Entrants covenant not to sue any Giveaway Entity or cause them to be sued regarding any matter released above; and further covenant not to disaffirm, limit or rescind any releases. A waiver by one or more of the Giveaway Entities of any term in these Official Rules does not constitute a waiver of any other provision. CAUTION: ANY ATTEMPT BY A PERSON TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE GIVEAWAY MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS AND, SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEY’S FEES) FROM ANY SUCH PERSON TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION. SPONSOR'S FAILURE TO ENFORCE ANY TERM OF THESE OFFICIAL RULES SHALL NOT CONSTITUTE A WAIVER OF THESE PROVISIONS.

  9. NO LIABILITY: By participating, Entrants and Grand Prize Winner agree to release, discharge, indemnify and hold harmless the Sponsor, and the Giveaway Entities, and each of their respective officers, directors, employees, representatives and agents from and against any claims made by the Grand Prize Winner, Entrants, or any other third parties, related in any way to the operation of this Giveaway as well as any other claims, damages or liability due to any injuries, damages or losses to any person (including death) or property of any kind resulting in whole or in part, directly or indirectly, from receipt, acceptance, possession, misuse or use of the Grand Prize; participation in any Giveaway-related activity; or participation in this Giveaway.

  10. DISPUTES: Entrants agree that any and all disputes, claims, and causes of action arising out of, or connected with, the Giveaway or the Grand Prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in New York. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, an Entrant’s rights and obligations, or the rights and obligations of Sponsor in connection with the Giveaway, shall be governed by, and construed in accordance with, the laws of New York, without giving effect to any choice of law or conflict of law rules (whether of New York or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than New York.

  11. RELAY MARKS: All intellectual property, including but not limited to, trade-marks, trade-names, logos, designs, promotional materials, web pages, source code, drawings, illustrations, slogans and representations used in connection with the Giveaway are the property of Relay and/or its affiliates. All rights are reserved. Unauthorized copying or use of any copyrighted material or intellectual property without the express written consent of its owner is strictly prohibited.

  12. PRIVACY: By entering the Promotion, Entrant understands and agrees that Sponsor may collect, use and disclose their personal information for purposes of conducting this Giveaway, including the notification of the Grand Prize Winner and fulfillment of the Grand Prize. Personal information includes any information that can be reasonably linked to a natural person, including name, postal address, and telephone number. Sponsor may also use names and email addresses of Entrants for future marketing solicitations by Sponsor, unless the Entrants opts out of such marketing uses. Any questions regarding Sponsor’s privacy policy or the treatment of your personal information under this Giveaway should be directed to Sponsor by mail at 60 Adelaide East, Suite 700, Toronto, On, M5C 3E4. The Sponsor’s privacy policy can be viewed any time at https://relayfi.com/privacy

  13. WINNERS LIST: For a copy of these Official Rules or for the name of the Grand prize Winner, send a request my mail, along with a self-addressed stamped envelope by February 28, 2025 to: “Relay $25k Cash Flow Glow Up Giveaway” 60 Adelaide East, Suite 700, Toronto, On, M5C 3E4.

This Giveaway shall not be published without permission of the Sponsor.

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Relay Financial Technologies, Inc. © 2025

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Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank2, Member FDIC. The Relay Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. The Relay Visa Credit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions.

1 The interest rates and annual percentage yield on your account are accurate as of 04/29/2025 and are variable and subject to change based on the target range of the Federal Funds rate.

For customers with accounts opened on or after 4/29/25 or existing customers that have been migrated to Relay’s subscription plans, APY will vary between 1.03% and 3.03% depending on the subscription plan you are subscribed to:

  • When you are subscribed to the Starter Plan, the interest rate on your savings accounts is 1.02% with an APY of 1.03%.
  • When you are subscribed to the Grow Plan, the interest rate on your savings accounts is 1.73% with an APY of 1.75%.
  • When you are subscribed to the Scale Plan, the interest rate on your savings accounts is 2.99% with an APY of 3.03%.

2 Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions.

*Terms and conditions apply to the cash back rewards program. Monthly cash back rewards will be automatically deposited into your Relay checking account within 30 days of the end of the credit card billing cycle. ATM transactions, the purchase of money orders or cash equivalents made with your Relay Visa® Credit Card are not eligible for cash back. Please refer to the Visa® Signature Rewards Program Terms & Conditions for more details.

**Relay is not affiliated with SoFi, or OnDeck, and Relay’s privacy and security policies may differ from SoFi’s, and OnDeck's, privacy and security policies. Relay will be paid a fee from SoFi, and OnDeck if you obtain a product through either of these links. All rates, terms, and conditions vary by provider. Approval for a loan is not guaranteed.

Payment services (non banking/checking accounts or services) are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: The Steward Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199).

Payment services in the United States are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here. VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041.

3 Please note that funds relating to Currencycloud's services are not FDIC insured or protected by the Visa Zero liability protection policy. In regards to Currencycloud's services when funds are posted to your account, e-money is issued in exchange for these funds, by an Electronic Money Institution who we work with, called Currencycloud. In line with regulatory requirements, Currencycloud safeguards your funds. This means that the money behind the balance you see in your account is held at a reputable bank, and most importantly, is protected for you in the event of Currencycloud’s, or our, insolvency. Currencycloud stops safeguarding your funds when the money has been paid out of your account to your beneficiary’s account.

All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.