Competition Terms

1. Introduction

These Competition Terms (“Terms”) govern any giveaway, promotion, contest, campaign, referral programme, prize draw, business challenge or competition (each a “Competition”) operated or promoted by Cash Me through its website, social media channels, email campaigns, partner channels, events, paid advertising or other official communication platforms.

By entering any Competition promoted by Cash Me, each participant agrees to be bound by these Terms together with any specific rules, eligibility requirements, prize conditions or campaign instructions published in connection with the relevant Competition.

2. Organizer

The organizer of the Competition is Cash Me, registered in Lithuania, operating through cashme.com and its official communication channels.

Cash Me may operate a Competition directly or jointly with approved partners, affiliates, technology providers, payment providers, marketing partners or other service providers.

3. Eligibility

Unless otherwise stated in the specific Competition announcement:

• participants must be at least 18 years old at the time of entry;
• participants must have legal capacity to enter into binding agreements;
• Competitions are void where prohibited or restricted by law;
• participants must not be subject to sanctions, financial crime restrictions or prohibited jurisdiction rules;
• employees, contractors, consultants, agents, affiliates and immediate family members of Cash Me may be excluded unless expressly permitted;
• Cash Me may require proof of identity, age, residence, business status or eligibility at any stage.

Participation may also be restricted based on jurisdiction, regulatory limitations, provider rules, platform rules or compliance requirements.

4. Compliance With Laws and Provider Rules

Participants acknowledge that all Competitions are subject not only to these Terms, but also to applicable local, national and international laws and regulations, advertising rules, consumer protection requirements, platform rules and third-party provider requirements.

• Cash Me may modify, suspend, restrict or cancel any Competition where necessary for legal, regulatory, compliance, operational, technical or provider-related reasons.
• Where a Competition is connected to a financial service, account, payment, card, crypto workflow or fintech product, additional onboarding, KYC, KYB, AML, sanctions, fraud and risk checks may apply.
• Cash Me may refuse or withdraw participation where it identifies legal, compliance, fraud, reputational or provider risk.

5. Competition Period

Each Competition will specify its opening date, closing date and, where relevant, the applicable time zone. Entries submitted before or after the announced Competition period may be deemed invalid at Cash Me’s sole discretion.

Cash Me may extend, shorten, suspend or cancel the Competition period if required for operational, technical, legal, regulatory or fraud prevention reasons.

6. How to Enter

The method of entry will be described in the applicable Competition announcement. Entry may require actions such as:

• completing an online form;
• subscribing to a newsletter;
• following Cash Me on social media;
• sharing, commenting, tagging or engaging with official promotional posts;
• submitting business, creative, promotional or user-generated content;
• meeting customer, onboarding, referral or campaign requirements;
• using an official Cash Me product or service where expressly required by the Competition rules.

Unless otherwise stated, only one entry per person or entity may be permitted. Automated, bulk, fraudulent, duplicate or third-party entries are prohibited.

7. No Purchase Necessary Unless Stated

Unless expressly stated in the specific Competition announcement, no purchase, payment or paid subscription is necessary to enter or win.

Where a Competition requires the use of a Cash Me service, account, product or feature, additional eligibility, verification, onboarding, compliance or provider approval may apply. Participation in a Competition does not guarantee approval for any Cash Me or third-party service.

8. Prizes

Details of the prize, including its nature, estimated value, limitations, conditions, availability, expiry date and delivery method, will be described in the relevant Competition announcement.

• Prizes are non-transferable, non-exchangeable and not redeemable for cash unless expressly stated.
• Cash Me may substitute a prize with another prize of equal or greater value where necessary.
• Prizes are awarded “as is” without warranties except where required by law.
• Winners are responsible for any taxes, duties, fees, charges or reporting obligations associated with accepting or using a prize.

Cash Me does not guarantee that any prize will be suitable for a participant’s specific expectations, business needs or financial circumstances.

9. Winner Selection and Notification

Unless otherwise stated, winners may be selected by random draw, merit-based evaluation, internal review panel, public voting combined with moderation, performance criteria, campaign milestones or another method described in the relevant Competition announcement.

Winners may be notified by email, telephone, social media direct message, website announcement or other contact method provided during entry. If a winner cannot be contacted, fails to respond, fails verification, refuses the prize or breaches these Terms, Cash Me may withdraw the prize and select an alternative winner.

Cash Me’s decision regarding winner selection is final and binding, except where applicable law requires otherwise.

10. Verification, Due Diligence and Disqualification

Cash Me may conduct verification, identity checks and compliance reviews before awarding any prize. This may include proof of identity, proof of age, proof of address, business documentation, sanctions checks, AML screening, fraud screening or other due diligence.

Cash Me may disqualify any participant who:

• breaches these Terms or the Competition-specific rules;
• provides false, incomplete or misleading information;
• uses bots, scripts, fake accounts, automation or manipulation techniques;
• acts fraudulently, dishonestly, abusively, unlawfully or in bad faith;
• infringes the rights of third parties;
• violates platform rules, provider rules or applicable laws;
• creates legal, compliance, operational or reputational risk for Cash Me or its partners.

Disqualification may occur at any time, including after a winner has been announced.

11. User Content and Entry Materials

If a Competition requires participants to submit content, including text, images, videos, designs, business concepts, testimonials, screenshots, reviews or other materials (“Entry Content”), the participant confirms that:

• they own or have the necessary rights to submit the Entry Content;
• the Entry Content does not infringe intellectual property, privacy, publicity or other rights of any third party;
• the Entry Content is not unlawful, defamatory, discriminatory, offensive, misleading, fraudulent or harmful.

By submitting Entry Content, the participant grants Cash Me a worldwide, non-exclusive, royalty-free, transferable right to use, reproduce, adapt, publish, display, distribute and promote such Entry Content in connection with the Competition, marketing, publicity and related business purposes, unless prohibited by law.

12. Publicity

By entering a Competition, participants agree that, if they win, Cash Me may use their name, company name, username, image, likeness, city, country and prize details for promotional and publicity purposes without additional compensation, unless prohibited by law.

13. Social Media Disclaimer

Where a Competition is promoted through social media platforms, participants acknowledge that the Competition is not sponsored, endorsed, administered by or associated with those platforms unless explicitly stated otherwise.

Participants release the applicable platforms from any liability relating to the Competition to the extent permitted by law.

14. Limitation of Liability

To the fullest extent permitted by law, Cash Me shall not be liable for lost, delayed, incomplete, misdirected, corrupted or invalid entries; technical malfunctions; platform failures; internet interruptions; unauthorised access; fraud; data loss; cancellations; delays; prize unavailability; or any indirect, incidental, special or consequential damages arising from participation in a Competition or acceptance/use of any prize.

Nothing in these Terms excludes liability that cannot lawfully be excluded under applicable law.

15. Right to Cancel, Suspend or Modify

Cash Me reserves the right, at any time and without prior notice, to cancel, suspend, postpone, restrict or amend any Competition or these Terms where necessary due to legal or regulatory reasons, suspected fraud, technical failures, provider restrictions, force majeure events, operational issues, commercial reasons or circumstances beyond Cash Me’s reasonable control.

16. Data Protection and Privacy

Personal data collected in connection with a Competition will be processed in accordance with Cash Me’s privacy policy and applicable data protection laws, including European data protection requirements where applicable.

Cash Me may use participant data for administering the Competition, verifying eligibility, contacting winners, compliance and fraud prevention, delivering prizes, marketing where permitted, legal record-keeping and regulatory purposes.

17. Taxes and Reporting

Winners are solely responsible for any tax obligations, reporting duties, government charges, duties, fees or other liabilities arising from receiving or using a prize, unless otherwise required by law.

18. No Financial or Regulatory Guarantee

Any Competition conducted by Cash Me does not constitute financial advice, investment advice, banking services, regulated investment activity, guaranteed account approval, guaranteed onboarding, guaranteed eligibility for any financial service or guaranteed access to any third-party product.

Participation in a Competition does not guarantee access to any Cash Me product, IBAN, account, card, payment service, crypto service, BaaS provider, partner service, commercial agreement or infrastructure feature.

19. Severability and Entire Terms

If any provision of these Terms is found to be invalid, illegal or unenforceable, the remaining provisions shall remain in full force and effect.

These Terms, together with any Competition-specific rules or announcements published by Cash Me, form the entire agreement between Cash Me and the participant in relation to the relevant Competition.

20. Governing Law and Jurisdiction

Unless mandatory local consumer or promotional laws require otherwise, these Terms shall be governed by the laws of the Republic of Lithuania.

Any dispute arising out of or in connection with these Terms or any Competition shall be submitted to the competent courts of Lithuania, unless applicable law provides otherwise or a separate written agreement states a different dispute resolution mechanism.

21. Contact

For any questions, complaints or requests relating to a Competition, please contact Cash Me through its official communication channels.