Contest Rules
Copyright 2017 Lampo Licensing, LLC. All Rights Reserved.
Enter Contest
1. Who Is Eligible

You must be a legal resident of one of the 50 United States or the District of Columbia, and at least 18 years of age. You must have an active EveryDollar® account at the time of entry. This contest is open only to EveryDollar® budget users. United States and Tennessee laws will govern this contest. NO PURCHASE NECESSARY TO WIN. Product purchases or other interactions with The Lampo Group, LLC (“Ramsey”) will not increase influence or alter the judging or selection of the winner. We would love for you to allow us to share your story with others; however, a publicity release is not required for you to win. VOID WHERE PROHIBITED BY LAW.

2. Who Is Not Eligible

Executives, owners, and employees of Ramsey; advertisers, business partners, or other vendors of Ramsey; persons working on this contest at any level in any capacity or working for any outside companies or agencies involved in this contest; or any immediate family members of people in any of these categories are not eligible.

3. How to Enter

Enter this contest only by completing and submitting the entry form with all required submissions, which is available at All required submissions must be received by Ramsey during the entry period. Limit one entry per person. The submissions must include an essay of 1,500 characters or less telling a true story of your use of the EveryDollar® budget app and how you have used it to achieve your money goals.

4. Submission Period

Entries will be accepted from April 7, 2017 (12:00 a.m. CDT), through April 16, 2017 (11:59 p.m. CDT) (“Entry Period”). The winner will be announced on May 3, 2017.

5. The Prize

The winning entry will receive two thousand dollars ($2,000.00). It is our intent that this money be used to fund a dream vacation for the winner. Ramsey does not endorse any particular vacation site, package, travel agency, or similar product or service. The selection of vacation is solely the decision and responsibility of the contest winner.

6. Judging the Essay

Each eligible entry, having submitted all required items and complied with these terms, will be judged by a committee selected by Ramsey. Ramsey’s judging committee will judge the entries based upon originality, compelling nature of the story, soundness of budgeting methodology, and overall written quality of the essay.

7. Winner’s Obligations

In addition to compliance with all required terms of this contest, the prize winner must execute an affidavit of eligibility as well as a sponsors’ liability release. The winner must sign and return an appropriate IRS form, if applicable, before receiving a prize. Winners must satisfy all obligations within ten (10) business days of notice of winning. Non-compliance within these obligations may result in disqualification and selection of an alternate winner. Return of any prize or prize notification as undeliverable may result in disqualification and selection of an alternate winner.

8. Incomplete or Multiple Entries

One entry per EveryDollar® user. Multiple automated entries, or entries submitted by others on your behalf, or entries submitted by you using different identities or addresses, will be considered fraudulent, rendering you ineligible for any prize on any day. Incomplete entries will not be eligible to win.

9. Prize Value

The total value of all prizes is $2,000.00.

10. Entries Not Received

Ramsey shall not be responsible for lost, late, or misdirected entries, or for any computer, online, telephone, or technical malfunctions that may occur. All entries become the property of Ramsey and will not be returned. Neither product purchases nor email or mobile opt-ins will alter or influence essay judging.

11. Taxes

All taxes on prizes are the responsibility of the prize winner. Winner must sign an IRS form W-9 before receiving any prize. Pursuant to IRS Circular 230, neither these Rules nor any other communication regarding this contest is for the purpose of helping you avoid any penalties that may be imposed by federal tax law, and no affected taxpayer may use this contest or its rules in that manner.

12. Entrant's Agreement

By entering, you agree to abide by the terms of these official rules and by the decisions we make regarding this contest, which are final and binding on all matters. All entries and submissions shall become the property of Ramsey upon submission. If you do not agree to that, please do not enter.

13. Announcing Winners

Winners will be announced on or before May 3, 2017, and will be contacted by phone at the time of their selection. Ramsey may also contact the winner by email and/or by a later telephone call.

14. Entrant's Release

(A) Entrants agree that any and all disputes, claims, and causes of action arising out of, or connected with, the contest or any prize shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in Williamson County, Tennessee; (B) any and all claims, judgments, and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering but in no event attorney’s fees; and (C) under no circumstances will entrant be permitted to obtain awards for, and entry hereby waives all rights to claim, punitive, incidental, and consequential damages and any other damages, other than out-of-pocket expenses, and any and all rights to have damages increased or multiplied. SOME JURISDICTIONS PROHIBIT EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO PORTIONS OF THE ABOVE MAY NOT APPLY TO YOU. All issues or questions concerning validity, construction, interpretation, or enforceability of these rules, entrant’s rights or obligations, or the rights or obligations of the sponsor, shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to any choice of law rules.

15. Termination of Contest

Should this contest be terminated prior to the end of the Entry Period, which sponsors may do at their sole discretion, a notice will be posted on

16. Jurisdiction and Venue

Tennessee law applies to this contest. Void where prohibited for any reason. All disputes resulting in legal action shall be resolved in the courts of Williamson County, Tennessee, and Entrant consents to the exclusive jurisdiction of those courts. Should sponsors find it necessary to seek legal assistance to enforce their rights, their damages, if any, shall include reasonable legal expenses and fees.

17. Internet And Mobile

Sponsor reserves the right, at our sole discretion, to disqualify anyone who tampers with the entry process, and to cancel, terminate, modify, or suspend the contest if anything required for its conduct should malfunction or be deemed illegal.

18. Disclaimer

Sponsor assumes no responsibility for anything that happens outside of our control to delay or prevent your entry, and we assume no responsibility for anything within our control that delays or prevents your entry except where by the exercise of ordinary care we could have kept it from happening or promptly corrected it. Sponsor assumes no liability whatsoever related to the prize, including any tax or other issues associated with acceptance or use of the prize. Sponsor is not responsible for any tax implications of the acceptance of any prize and makes no representation regarding the tax implications of accepting the prize.

19. Winners' List

For winner identification, send a self-addressed, stamped envelope to The Lampo Group, LLC, 1749 Mallory Lane, Brentwood, Tennessee 37027, Attn. EveryDollar Essay Contest, EBiz Department. Requests received later than one hundred and eighty (180) days following May 3, 2017, will not be filled.

20. The Sponsor

This contest is sponsored and operated by The Lampo Group, LLC, 1749 Mallory Lane, Brentwood, Tennessee 37027.

21. Privacy

Information collected from Entrants is subject to the Privacy Policy, which may be found at Your entries may be used by Ramsey for research and product improvement purposes, which Entrant expressly authorizes, but information from your entry shall not be published or shared without your consent.

22. Rights Claimed

This contest and these Rules are Copyright 2017 by Lampo Licensing, LLC, and all rights are reserved. All rights to our trademarks and trade names owned by Lampo Licensing, LLC and its affiliates are likewise reserved.