OFFICIAL RULES

DEBTGOAL’S “CONFESSIONS OF A THRIFT-A-HOLIC” CONTEST

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS CONTEST. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. ENTRY OPEN TO LEGAL RESIDENTS OF THE 50 UNITED STATES AND DISTRICT OF COLUMBIA ONLY, 18 YEARS OF AGE OR OLDER AND LEGAL AGE OF MAJORITY IN THEIR STATE OF RESIDENCE.

1. Contest Sponsor: GoalSpring Financial, 300 Broadway, Suite 39, San Francisco, CA 94941. (“Sponsor”).

2. Contest Period: The Debtgoal Confessions of a Thrift-a-holic Contest (“Contest”) begins on or about February 13, 2009 at 12:01:00 am Pacific Time (“PT”), and ends on or about April 2, 2009 at 11:59:59 pm PT (“Contest Period”).

3. Eligibility: Submitting an entry in the Contest-related prize event is open to persons who on the date of entry are legal residents of one of the fifty (50) United States or the District of Columbia, at least 18 (eighteen) years of age or older and legal age of majority in their state of residence and are registered users of Facebook. Employees, officers, directors and their immediate family members of the Sponsor and their respective parents, affiliated and subsidiary companies, advertising and promotion agencies, legal and financial advisors, and any and all other companies associated with this Contest are not eligible to enter. For purposes of this Contest, “immediate family members” means parents, spouses, children, siblings, in-laws, grandmothers, or grandfathers whether residents of the same household or not. To become a Registered User of Facebook you must register for an account and agree to the site’s ‘Terms of Use” set forth. There is no fee or charge to become a Registered User of Facebook. Facebook is not a sponsor of this contest.

4. How to Enter, Contest Timeline
-Become a Fan of DebtGoal at http://www.facebook.com/pages/DebtGoal/49063694204?ref=ts.
-Finish ONE of the sentences below in 75 words or less (on the DebtGoal Wall below):

The best thrifty habit I have is…
The smartest thrifty decision I made was…

-The deadline for submissions is March 13th, 2009. DebtGoal founders will review all wall post submissions and select the top 3 responses based on two criteria:

Creativity of your thrifty habit/decision
Impact (i.e. the amount of money saved)

-The top 3 posts will be highlighted on the DebtGoal Facebook page and blog on March 18, 2009. All fans will can then vote on which they think is the best!
-Voting will close on March 31, 2009 and the post with the most votes from DebtGoal fans will win $250, to put towards paying down debt.
-The winner will be announced on April 2, 2009 to kick-off National financial literacy month!

5. Entrants must comply with the user submission guidelines specific to Facebook. Entry submissions may not: (i) include any reference to trademarked or copyrighted material not owned by entrant or used without permission; (ii) use individuals’ names, in whole or in part (except the entrant’s first name may be used ) without permission; (iii) contain profanity, pornographic, or sexual content, content promoting alcohol, illegal drugs, tobacco, firearms, or weapons, hateful content of any kind (including racism, sexism, etc.), content that promotes violence or harm to another living creature, or any other offensive, obscene, or inappropriate content; (iv) defame, misrepresent, or contain disparaging remarks about other people or companies, including, but not limited to Sponsor or its competitors. Entrants have permission to use the product name “DebtGoal” in their entry. Entries that do not comply with these Official Rules, as determined in Sponsor’s sole discretion, will be disqualified from the Contest. Decisions of the Sponsor are final and binding.

6. Notification of Winners: On April 2, 2009 the potential prize winner will be contacted initially using the messaging system of the social networking site used to submit the entry. The contact will be required to respond within 48 hours of notification and provide their contact information (i.e. name, street address, phone and email address). Potential winner will next be required to sign and properly execute the following documents and return them via facsimile (and subsequently by mail) to Sponsor within 48 hours of notification: (1) an Affidavit of Eligibility and Liability Waiver; (2) where lawful, a Publicity Release. The Affidavit of Eligibility, Liability Waiver, and Publicity Release are subject to verification by Sponsor. If any document(s) sent to a potential winner by any means is returned as undeliverable or if potential winner fails to properly execute and return all documents described herein in the time noted, or if a potential winner is found not to be eligible or not in compliance with these Official Rules, the potential winner will be disqualified, the potential winner’s entry removed from the competition and the Judges will determine who will be selected as the alternate winner based on the next highest scoring entry as determined by the judges’ score. In the event that a winner is disqualified for any reason at any time, Sponsor will select an alternate winner based on the judge’s scores even if the disqualified winner’s name and entry may have been shown or announced online.

7. Prizes: The winner will receive $250 via check or PayPal after all contest criteria have been met.

8. Other Conditions: All federal, state and local laws and regulations apply. Sponsor reserves the right, at its sole discretion, to cancel, terminate, modify or suspend this Contest or any portion hereof, or to disqualify any individual implicated in any of the following actions, if for any reason: (a) infection by computer virus, bugs, tampering, unauthorized intervention, actions by entrants, fraud, technical failures, or any other causes which, in Sponsor’s sole opinion, corrupt or affect the administration, security, fairness, integrity or proper conduct of the Contest, (b) the Contest or any website associated therewith (or any portion thereof) becomes corrupted or does not allow the proper processing of entries per these rules, or (c) the Contest is otherwise not capable of running as planned by Sponsor. By entering, participants agree to release and hold harmless Sponsor and (each of its/their) parent(s), subsidiaries, affiliates, divisions, advertising and promotional agencies, wholesalers and retailers, and each of the foregoing entities’ employees, officers, directors, shareholders and agents (collectively the “Released Parties”), from and against any and all claims, actions and/or liability for any injuries or death, loss or damage of any kind arising from or in connection with participation in and/or entry into the Contest or acceptance or use of any prize. The Released Parties are not responsible or liable for any incorrect or inaccurate entry information, and assume no responsibility for (i) any error, omission, interruption, defect or delay in operation or transmission at any website, (ii) failure of any entry to be received by Sponsor due to technical problems, human error or traffic congestion on the Internet or at any website, (iii) communications line, hardware and/or software failures, (iv) damage to any computer (software or hardware) resulting from participation in the Contest, (v) theft or destruction of, tampering with, unauthorized access to, or alteration of entries and/or entry information, or (vi) entries which are late, lost, stolen, damaged, illegible, unintelligible and/or postage due (or any combination thereof). The use of third-party software or website or automated entry systems to participate is prohibited, and Sponsor reserves the right to disqualify entries made in such fashion. By entering, entrants agree to comply with these rules. Any entrant who attempts to tamper with this Contest in any way shall be disqualified. In the event of dispute as to who submitted an entry, the entry will be deemed submitted by the Authorized Account Holder of the user name/email address submitted at the time of entry. “Authorized Account Holder” is defined as the natural person assigned to a user name/email address by an Internet access provider, on-line service provider, social networking site or other organization responsible for assigning user names/email addresses for the domain associated with the user name/email address in question. Additional restrictions may apply at Sponsor’s discretion.

9. Entry Terms: Void where prohibited. By entering, entrant represents and warrants that his or her entry satisfy these Official Rules, the Terms of Use and Code of Conduct per Facebook and that all aspects of the Entry: (i) are the original work of the entrant; (ii) have not previously been published or won an award or prize of any kind; (iii) do not infringe or violate the rights of any third party, including but not limited to, copyrights, trademarks, patents, trade secrets, contract and licensing rights, rights of publicity or privacy, moral rights, or any other intellectual property rights; (iv) are not subject to any third party agreements, and that the Sponsor will not be required to pay or incur any sums to any person or entity as a result of their use, exhibition, or exploitation of the idea or elements therein; (v) do not contain any content that is likely to be considered offensive by Sponsor or could adversely affect the name, reputation, or goodwill of the Sponsor. If Sponsor determine in their sole discretion that an entrant has breached a representation or warranty, the entry will be disqualified.
Entries may only be submitted by individuals. The Sponsor and their respective parents, subsidiaries, and affiliates and each of their respective officers, directors, shareholders, agents, and employees, and any Internet access providers are not responsible for incorrect or inaccurate entry of information, human error, technical malfunction, lost/delayed data transmission, omission, interruption, deletion, defect, line failure of any telephone, computer or other network, computer equipment, software or any combination thereof, inability to access the promotion website http://www.facebook.com/pages/DebtGoal/49063694204?ref=ts, for problems uploading or downloading any Contest-related materials from or to the Contest Web Site, any social networking site, for late, lost, damaged, misdirected, incorrect, or incomplete entry, or for errors in any Contest-related material or these Official Rules. For purposes of these Official Rules, receipt of entry for any contest occurs when Facebook’s servers successfully receive the Wall Post and required entry information as set forth on the Contest Web site.

10. Additional Contest Terms: By entering the Contest, and to the extent allowed by law, entrants grant Sponsor, its affiliates, licensees, promotional partners, and third party marketing entities the absolute right and permission to edit, modify, cut, rearrange, add to, delete from, copy, reproduce, translate, dub, adapt, publish, exploit, and use the content of and elements embodied in the entries, and the entries themselves, in perpetuity in any and all media, including but not limited to digital and electronic media, computer, audio and audiovisual media (whether now existing or hereafter devised), in any language, throughout the world, and in any manner, for trade, advertising, promotional, commercial or any other purposes without further review, notice, approval, consideration, or compensation. Entrants waive and release Sponsor and any of its affiliates from any and all claims that entrants may now or hereafter have in any jurisdiction based on “moral rights” or “droit moral” or unfair competition with respect to Sponsor’s exploitation of entries without further notification or compensation to entrants of any kind, and agree not to instigate, support, maintain, or authorize any action, claim, or lawsuit against Sponsor and any of their affiliates, licensees, or any other person in connection with this Contest, on the grounds that any use of any entry, or any derivative works, infringe or violate any of entrants rights therein. By entering the Contest, entrants agree that Sponsor and any of their affiliates, licensees, promotional partners, and third party marketing entities shall have the right and permission to use the name, picture, voice, biographical data, photograph, testimonial, or other likeness and/or prize information or personal exposition (and/or any edited portion thereof), and/or any information contained in his/her entry for promotional, advertising, and/or publicity purposes in any media, now or hereafter known, throughout the world in perpetuity, without compensation or notice to, or further consent of, to the winner to the extent permitted by law. Sponsor will not enter into any correspondence, including email, with non-winning entrants. The Sponsor reserve the right, in their sole discretion, to disqualify any individual found tampering with the entry process or entry materials or otherwise interfering with the proper administration of the Contest or violating these Official Rules. EACH ENTRANT ACCEPTS THE CONDITIONS STATED IN THESE OFFICIAL RULES, AGREES TO BE BOUND BY THE DECISIONS OF THE JUDGES , WARRANTS THAT THEY ARE ELIGIBLE TO PARTICIPATE IN THIS CONTEST, AND AGREES TO RELEASE, INDEMNIFY, AND HOLD HARMLESS SPONSOR AND EACH OF THEIR PARENT COMPANIES, DIVISIONS, SUBSIDIARIES, AFFILIATES, ADVERTISING, PROMOTION, AND PUBLIC RELATIONS AGENCIES, AND THE RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENCIES OF EACH FROM AND AGAINST ANY AND ALL CLAIMS, LOSSES, LIABILITY, AND DAMAGES OF ANY KIND, (INCLUDING REASONABLE ATTORNEYS’ FEES AND EXPENSES) ASSERTED AGAINST ANY OF THEM, INCURRED, SUSTAINED, OR ARISING IN CONNECTION WITH THE USE, ACCEPTANCE, OR MISUSE, OF ANY PRIZE OR WHILE PREPARING FOR, PARTICIPATING IN, AND/OR TRAVELING TO OR FROM ANY CONTEST-RELATED ACTIVITY, INCLUDING, WITHOUT LIMITATION, ANY INJURY, DAMAGE, DEATH, LOSS, OR ACCIDENT TO PERSON OR PROPERTY, OR FROM THE RESPECTIVE ENTRANTS’ BREACH OF ANY AGREEMENT OR WARRANTY ASSOCIATED WITH THE CONTEST, INCLUDING THESE OFFICIAL RULES. ANY ATTEMPT TO DELIBERATELY DAMAGE ANY WEB SITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND, SHOULD SUCH AN ATTEMPT BE MADE, THE SPONSOR AND EACH OF THEIR LICENSEES RESERVE THE RIGHT TO SEEK DAMAGES OR OTHER REMEDIES FROM ANY SUCH PERSON(S) RESPONSIBLE FOR ANY SUCH ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW.
Each entrant hereby acknowledges and agrees that the relationship between the entrant and the Sponsor is not a confidential, fiduciary, or other special relationship, and that the entrant’s decision to provide an entry to Sponsor for purposes of the Contest does not place the Sponsor in a position that is any different from the position held by members of the general public with regard to elements of the entry, other than as set forth in these Official Rules. Each entrant understands and acknowledges that the Sponsor have wide access to ideas, stories, designs, and other literary materials, and that new ideas are constantly being submitted to it or being developed by their own employees. Each entrant also acknowledges that many ideas or stories may be competitive with, similar to, or identical to the entries and/or each other in theme, idea, tone or other respects. Each entrant acknowledges and agrees that such entrant will not be entitled to any compensation as a result of Sponsor’ use of any such similar or identical material that has or may come to Sponsor, or any of them, from other sources. Each entrant acknowledges and agrees that the Sponsor do not now and shall not have in the future any duty or liability, direct or indirect, vicarious, contributory, or otherwise, with respect to the infringement or protection of the entrant’s copyright in and to the submission. Finally, each entrant acknowledges that, with respect to any claim by entrant relating to or arising out of any Sponsor’ actual or alleged exploitation or use of any submission or other material submitted in connection with the Contest, the damage, if any, thereby caused to the applicable entrant will not be irreparable or otherwise sufficient to entitle such entrant to seek injunctive or other equitable relief or in any way enjoin the production, distribution, exhibition, or other exploitation of any program, website, advertising, materials or other thing based on or allegedly based on a submitted entry, and entrant’s rights and remedies in any such event shall be strictly limited to the right to recover damages, if any, in an action at law.
This Contest is governed, interpreted and enforced by the laws of the State of California, without regard to its conflict of laws, principles. Any and all legal actions, claims or proceedings arising out of, or in connection with this Contest must be brought in a court of competent jurisdiction in the State of California. The Entrant and all persons making claim through or on account of Entrant, hereby agrees to and irrevocably consents to the venue of the applicable state or federal courts sitting in California and submits to the jurisdiction of said courts. If, in Sponsor’ sole opinion, there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Contest, or if technical difficulties compromise the integrity of the Contest, the Sponsor reserves the right to void suspect entries and/or votes and/or terminate the Contest and award the prizes at its sole discretion. The use of any automated launching or entry software or any other mechanical or electronic means that permits the participant to automatically enter repeatedly, and/or fraudulently or deceptively enhance the viral impact of their entry on a social networking site is prohibited. In the event of a dispute as to the identity of an entrant based on a user name/email address, the entry in question may be disqualified subject to the Judges’ or Sponsor’s sole discretion.

11. Who Won: The names of the prize winners will be posted on the Facebook page located at http://www.facebook.com/pages/DebtGoal/49063694204?ref=ts.