Policies & Legal

We collect personal information in the following contexts:

If you are selected as a potential winner, we also collect: identity verification via Veriff (using a government-issued photo ID), a W-9 signed via SignWell (SSN/ITIN entered directly into the SignWell-hosted form, not stored by SLS), a Winner Affidavit signed via SignWell, and payoff statements for up to 10 separate loan accounts (stored via Azure Blob Storage).

• Validate sweepstakes entries and conduct draws
• Verify winner eligibility and coordinate prize payment to loan servicers
• Process subscription payments and manage renewals
• Track referral activity and calculate affiliate commissions
• Route consented form data to named lead-generation partners (consenting users only)
• Operate the partner program (account management, wallet, lead delivery, analytics)
• Send transactional emails via SendGrid (entries, winners, wallet alerts, warm intros)
• Analyze usage patterns and improve the Platform via PostHog, GA4, and GTM
• Detect and prevent fraud and unauthorized access
• Comply with applicable laws, tax reporting obligations, and sweepstakes regulations

Our lead-generation system is built on a per-form, explicit opt-in model:

• Each optional lead form includes a clear consent question at a configured point
• You must affirmatively opt in — completing the form alone does not constitute consent
• Each form identifies the specific partner categories who may receive your data if you consent
• Consenting on one form does not share data from any other form
• Your data from any consented form is shared with partners a maximum of one time — never resold

The Platform maintains two separate consent mechanisms: (1) TCPA consent captured per-form authorizes phone/SMS contact by named partners; (2) email marketing consent (stored separately in your account) authorizes SLS to send warm introduction emails on partners' behalf via SendGrid.

If you do not consent on a form, your identifying form answers are not transmitted to any named partner and are not stored beyond what is necessary to credit your entries. Non-consenting users may see a marketing advertisement in place of the partner offer — this does not involve sharing your personal information.

We share information with the following service providers who perform services on our behalf. All are contractually required to protect your data and prohibited from using it for their own commercial purposes.

• Encryption of data in transit using TLS protocols
• Encryption of sensitive data at rest (passwords, tax identification numbers)
• Application-layer encryption of financial profile fields (credit score range, income range, employment status, homeownership, financial goal) — an additional layer beyond standard database encryption
• Access controls limiting personal information access to authorized personnel on a need-to-know basis
• Winner verification data (government IDs, SSNs) handled by a limited number of authorized personnel under heightened access restrictions
• Regular security reviews and monitoring
• Contractual security obligations imposed on all service providers

We honor the following rights for all users, regardless of state, to the extent technically and legally feasible:

• Right to Know and Access: Request what personal information we hold about you, how it's used, and who it's been shared with
• Right to Correct: Request correction of inaccurate personal information — most account data can be updated directly in your account settings
• Right to Delete: Request deletion of your personal information, subject to legal retention requirements. Deleting your account forfeits all entries, prizes, and subscription status
• Right to Opt Out: Withdraw consent for named-partner data sharing at any time. Future sharing stops immediately; past sharing is not reversed. To also stop inclusion in SLS's anonymized dataset licensing program (Section 3), use the "Do Not Sell or Share My Personal Information" setting in your account — this stops both going forward.
• Right to Non-Discrimination: Exercising any privacy right will not affect your sweepstakes eligibility, entry count, or Platform access

California residents have additional rights under CCPA as amended by CPRA. Categories of personal information we have collected in the preceding 12 months include:

• Identifiers: Name, email, phone, IP address
• Customer Records: Date of birth, mailing address, state of residence
• Financial information: Loan balance ranges, loan type, payment status, credit score range, income range (consenting users, explicit opt-in only)
• Commercial information: Partner wallet balances, delivery transaction records, subscription history
• Internet / network activity: Browsing behavior on the Platform
• Sensitive personal information: SSN (entered directly into our e-signature vendor's hosted form for winners only; not stored by SLS) and government ID verification results (winners only, for tax/identity verification); race, ethnicity, and gender (voluntary at registration)

We do not use sensitive personal information beyond what is necessary for legal obligations or, for voluntary demographics, for internal anonymized diversity analytics only.

SLS's anonymized dataset licensing program (Section 3) uses deidentified information as defined under the CCPA — information that cannot reasonably be used to infer information about, or be linked to, a particular consumer or household. SLS maintains technical and business safeguards against re-identification, publicly commits not to re-identify the data, and contractually prohibits recipients from attempting to do so. On that basis, SLS's position is that this program does not constitute a "sale" or "sharing" of personal information under the CCPA. Regardless, you may opt out of this program at any time using the "Do Not Sell or Share My Personal Information" setting in your account.

Users residing in states with applicable privacy laws, including but not limited to Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Texas (TDPSA), and Nevada, may have rights similar to those described in Section 7. We honor requests from residents of these states in accordance with applicable law. Please contact our support team to submit a request or learn more about your state-specific rights.

The Platform may contain links to third-party websites or services, including the websites of lead-generation partners, advertising networks, and payment processors. This Privacy Policy does not apply to any third-party website or service. We are not responsible for the privacy practices or content of any third party. We encourage you to review the privacy policies of any third-party services you access through the Platform.

The Platform uses Google reCAPTCHA v3, which is subject to Google's Privacy Policy and Terms of Service. reCAPTCHA collects device and behavioral data to assess bot risk scores; this data is transmitted to Google and is subject to Google's privacy practices.

The Platform is intended exclusively for users who are at least 18 years of age. We do not knowingly collect personal information from individuals under 18. If you are a parent or guardian and believe a minor has provided us with personal information, please contact us immediately. We will delete that information promptly.

By accessing the Platform — whether or not you create an account — you accept and agree to these Terms. These Terms constitute a binding legal agreement between you and Benefit Games Company Inc. ("SLS," "we," "our," "us").

• You must be at least 18 years of age to use the Platform
• If you register an account, your acceptance is reaffirmed at registration
• Continued use of the Platform after any update constitutes acceptance of the revised Terms

SLS provides the following services through the Platform:

• Free-to-Enter Sweepstakes. During the current Pilot Program (through January 5, 2027), draws are held on a monthly-to-weekly cadence with a grand prize starting at $1,000 and not exceeding $4,999 per draw, paid directly to the winner's loan servicer(s). No purchase required. See the Official Rules for full pilot terms.
• AMOE Pipeline. A series of optional forms that earn sweepstakes entries at no cost. A Financial Profile form must be completed before other forms become available.
• Paid Subscription ($10/mo). Provides automatic draw entries and contributes to the grand prizes. Subscription does not increase odds beyond the 10-entry-per-draw cap applied to all participants.
• Affiliate / Referral Program. Eligible users may earn commissions by referring new subscribers, subject to the Affiliate Agreement.
• Lead-Generation Partner Marketplace. Vetted partner companies may receive consented user leads. User data is shared with partners only when the user explicitly and voluntarily opts in on the specific form.

The sweepstakes is free to enter. No purchase, subscription, or payment is necessary to enter or win. During the current Pilot Program (through January 5, 2027), draw cycles run on a cadence that changes from monthly to bi-weekly to weekly — see the Official Rules for the current schedule. Entries may be earned through AMOE forms, qualifying video ads, referral activity, or an active subscription — all subject to the 10-entry-per-draw cap. Entries do not roll over between draws.

Complete rules governing eligibility, entry methods, draw schedule, winner selection, prize verification and fulfillment, tax treatment during the Pilot Program, and state-specific provisions are set forth in the Official Sweepstakes Rules.

By using the Platform, you agree to:

• Provide accurate, current, and complete information at registration and in all forms, and update it promptly if it changes
• Maintain the confidentiality of your account credentials and notify SLS immediately of any unauthorized access
• Create only one account — duplicate accounts will be merged or removed and associated entries voided
• Use only your own identity — you may not enter or participate under any name other than your own
• Not submit false, misleading, or fraudulent information at any stage, including registration, AMOE completion, referral activity, or winner verification
• Not attempt to manipulate, game, or circumvent any aspect of the sweepstakes entry system or draw process

You are solely responsible for all activity that occurs under your account.

Certain AMOE forms collect financial and personal information. At a defined point within each such form, you will be asked whether you consent to having that form's data — including financial and debt-related details — shared with named third-party partners. This consent is entirely voluntary and does not affect your entry count or sweepstakes eligibility.

• Per-Form Consent. Each form requires its own separate opt-in. Consenting on one form does not authorize sharing from any other form.
• Non-Consent. If you do not opt in, your form data will not be shared with any partner for lead-generation purposes, and you still earn entries for completing the form.
• Withdrawal. You may withdraw a previously given consent at any time through your account settings. Withdrawal stops future sharing but does not retroactively undo sharing that already occurred. If you do not have access to your account, you can submit a privacy request instead — no login required.

For complete details on data collection, storage, retention, and your rights, see our Privacy Policy and Consent Policy.

Users may be matched with partner companies only when they have given explicit, voluntary, per-form consent as described in Section 5. No match occurs based on passive platform use, account data, or any implied consent.

• Partner Responsibility. Once a consented lead is delivered to a partner, that partner is solely responsible for all subsequent communications, outreach, and compliance with applicable laws — including TCPA, CAN-SPAM, and all applicable consumer protection laws.
• SLS Disclaimer. SLS is not responsible for and expressly disclaims liability for any communications, offers, or actions taken by partner companies after lead delivery. Users with complaints about partner communications should contact the partner directly or use the opt-out mechanism in the partner's communication.
• No Effect on Sweepstakes. A user's consent to partner matching has no effect on their sweepstakes entries, eligibility, or odds of winning.

All content on the Platform — including text, graphics, logos, images, audio, video, software, the AMOE pipeline design, the Form Match system, and the overall user interface — is the property of Benefit Games Company Inc. or its licensors and is protected by applicable U.S. and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your personal, non-commercial purposes only. You may not reproduce, copy, distribute, modify, create derivative works from, publicly display, or commercially exploit any Platform content without our prior written consent.

The "Student Loan Sweepstakes" name, logo, and all related marks are trademarks of Benefit Games Company Inc.

You agree not to engage in any of the following:

• Using bots, scripts, macros, or automated tools to submit entries, complete AMOE forms, watch qualifying videos, or interact with any feature of the Platform
• Creating more than one account, using another person's identity, or entering the sweepstakes under any name other than your own
• Submitting false, misleading, or fraudulent information at any stage, including registration, AMOE completion, or winner verification
• Attempting to manipulate, tamper with, or reverse-engineer the random draw process, entry-counting system, or any other sweepstakes component
• Accessing, probing, or attempting to circumvent any partner-facing system, internal administrative tool, or area of the Platform not intended for general users
• Interfering with Platform operations, including by transmitting malware, introducing harmful code, or engaging in denial-of-service attacks
• Reproducing, distributing, or commercially exploiting any Platform content without our prior written consent
• Using the Platform for any unlawful purpose or in violation of any applicable federal, state, or local law

Violations may result in immediate account suspension, disqualification from all current and future draws, forfeiture of commissions, and referral of suspected fraudulent conduct to law enforcement.

THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. SLS DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

SLS is not responsible for the availability, accuracy, or security of third-party services integrated with the Platform, including Square, TrustedForm, Azure Blob Storage, SignWell, Veriff, and Twilio. SLS is not liable for any partner actions taken after consented lead delivery.

IN NO EVENT SHALL SLS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF OR INABILITY TO USE THE PLATFORM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

You agree to indemnify and hold harmless Benefit Games Company Inc. and its officers, directors, employees, agents, and licensors from any claims, liabilities, damages, or expenses arising out of your use of the Platform, violation of these Terms, or infringement of any third-party right.

These Terms are governed by the laws of the State of Missouri and applicable U.S. federal law, without regard to conflict-of-law principles.

Informal Resolution First. Before initiating formal proceedings, you agree to contact SLS in writing to describe the dispute. SLS will attempt to resolve it informally within 30 days of receiving your notice.

Either party may bring an individual claim in small claims court if the claim qualifies and remains there.

By SLS. SLS may suspend or terminate your account at any time, with or without notice, for violation of these Terms, fraudulent conduct, or behavior harmful to the Platform or its users. Upon termination for cause: Platform access ends immediately, pending entries are forfeited, and subscription fees already paid are non-refundable.

By You. You may close your account at any time through the User Dashboard. Subscription fees already paid are non-refundable. Entries earned prior to closure are forfeited upon account closure.

Survival. Sections 7, 9, 10, and 11 of these Terms survive termination.

SLS may update these Terms at any time. When changes are made, SLS will update the "Last Updated" date. For material changes, SLS will provide at least 30 days' advance notice via the Platform or by email to the address associated with your account.

Your continued use of the Platform after the effective date of any modification constitutes your acceptance of the updated Terms. If you do not agree to the modified Terms, you must discontinue use of the Platform and cancel your subscription, if any, before the effective date.

Entire Agreement. These Terms, together with the Privacy Policy, Cookie Policy, Official Sweepstakes Rules, Affiliate Agreement, Partner Agreement, Consent Policy, Lead-Generation Disclosure, NIL Policy, and Data Processing Agreement, constitute the entire agreement between you and SLS.

For questions about these Terms, to report a violation, or to initiate the informal dispute resolution process described in Section 10, please use the following:

Referrers share a unique referral code with new users. If a new eligible subscriber applies that code and activates a qualifying paid subscription, commission begins accruing from the subscriber's second full-price billing month and continues through month 12.

To participate as a Referrer, you must have an active, email-verified account in good standing, enable referral access in your account, and complete the required identity steps managed through Clerk. Social media profile URLs associated with your referral promotional activities are collected as part of your affiliate account for compliance and referral tracking.

To qualify as a Referee, you must:

• Be a first-time eligible subscriber on the Platform
• Apply the referral code during subscription checkout
• Complete a valid paid subscription transaction
• Not use your own code or a code from an account you control

Each referrer may maintain one unique referral code per account. Codes must comply with Platform naming rules and may not contain trademarked terms, offensive language, misleading claims, or any content that violates SLS policies. SLS may require code changes or revoke codes at its discretion.

• Minimum payout threshold: $25.00 available balance
• One payout request per calendar month
• Verified payout account setup required before any payout is processed
• Payout timing varies based on processing, banking rails, and risk review
• Pending, failed, reversed, or ineligible transactions may reduce payout amounts
• Rewards may be adjusted or reversed for abuse, chargebacks, or fraud

Affiliate earnings of $600 or more in a calendar year trigger an IRS 1099-NEC reporting obligation. SLS will issue a 1099-NEC to qualifying affiliates. You are responsible for reporting all income and complying with all applicable tax laws, regardless of whether a 1099-NEC is issued.

If you promote your referral code publicly (on social media, blogs, podcasts, videos, or any other channel), you must clearly disclose that you receive a commission when someone uses your code. Required language: "I earn a commission if you subscribe using my code." Failure to comply with FTC disclosure requirements is a violation of this Agreement.

The following conduct constitutes grounds for immediate suspension or permanent termination of affiliate participation:

• Self-referral or referral of accounts you control
• Creating fake, duplicate, or synthetic identity accounts to generate commissions
• Spam, unsolicited messaging, or deceptive promotional claims
• Using automated tools, browser extensions, bots, or scripts to simulate referral code use, fake subscription enrollment, or otherwise artificially generate referral commissions
• Buying or selling referral codes
• Attempting to bypass any Platform fraud control or affiliate tracking system
• Making false or misleading claims about SLS, the sweepstakes, or the referral program in any promotional material

SLS may modify, suspend, hold, or terminate your affiliate participation at any time to protect Platform integrity, comply with legal requirements, or address abuse or fraud concerns. Verified, earned rewards may be honored at SLS's discretion. Unverified or disputed rewards are not guaranteed.

This Agreement is governed by the laws of the State of Missouri. Disputes are subject to binding individual arbitration under AAA rules. Class action participation is waived. Small claims court exceptions apply for qualifying individual claims.

Community Competitions are periodic events designed to reward users for platform engagement activities such as referring new subscribers, accumulating entries, completing optional forms, or other activities defined in each Competition Announcement. They may award:

• Subscription credits
• Merchandise or physical prizes
• Grand prizes of student loan debt relief — during the current Pilot Program (through January 5, 2027), subject to the same $4,999 cap and no tax gross-up described in the Official Rules

Winning a Community Competition does not constitute winning the main sweepstakes grand prize.

To participate, you must:

• Be a registered, email-verified Platform user at the time the competition opens and throughout the competition period
• Be at least 18 years of age and a legal US resident
• Be in good standing — accounts under suspension or subject to a fraud/Terms investigation are ineligible
• Meet any additional eligibility requirements specified in the Competition Announcement

Employees, officers, directors, and immediate family members of Benefit Games Company Inc. are not eligible.

Each competition will be announced on the Platform before the period opens. The Competition Announcement will specify the competition type, start and end dates (in Eastern Time), prizes, number of winners, any special eligibility requirements, and any rules that modify these general Rules for that competition.

• Rankings are calculated by the metric specified in the Competition Announcement (entries, referrals, forms completed, or other activity)
• Only activity recorded by the Platform's systems during the competition window counts. Unreported activity must be raised with support during the competition period
• Leaderboard standings are informational only and may not reflect final standings until the competition officially closes
• Tiebreaker: In the event of a tie, the participant who first reached the tied score is ranked higher. If this cannot be determined, SLS uses a random selection process
• This ranking methodology applies to Entry Accumulation Contests and other metric-based competitions; Live In-Person Game Events instead determine winners according to that event's on-site posted rules

Prizes are described in the Competition Announcement and may include merchandise, physical prizes, or student loan relief — during the current Pilot Program (through January 5, 2027), any student loan relief grand prize is capped at $4,999, consistent with the Official Rules. Prizes are non-transferable with no cash value unless stated otherwise.

• Bonus entry prizes credited within 7 business days of competition close and winner verification
• Physical prizes shipped within 30 days of winner verification
• Prizes with a fair market value of $600+ may be subject to IRS 1099-MISC reporting; winners are responsible for all applicable taxes

SLS verifies final rankings after the competition period closes. Winners are notified through the Platform and by email within 5 business days. SLS reserves the right to audit all competition activity before confirming winners — participants whose rankings were inflated through fraud, automation, or prohibited means will be disqualified regardless of their displayed rank.

The following conduct results in immediate disqualification and potential account termination:

• Using bots, scripts, macros, or any automated system to generate referrals, entries, form completions, or any other activity that counts toward competition rankings
• Creating fake accounts or using another person's identity to generate competition activity
• Coordinating with other participants to artificially inflate each other's rankings
• Exploiting any bug, error, or vulnerability in the Platform's tracking or recording systems
• Any other conduct SLS determines undermines competition fairness or integrity

Disqualified participants forfeit all prizes and ranking credits. SLS may share information about fraudulent activity with law enforcement where appropriate.

SLS and its officers, directors, employees, agents, and affiliates are not responsible or liable for: (a) any failure of the Platform to record, credit, or accurately display competition activity; (b) any cancellation, modification, or early termination of any competition; (c) any failure to award a prize due to winner non-response, ineligibility, or forfeiture; or (d) any technical malfunction that affects competition participation. SLS's liability to any participant is limited to the fair market value of the prize that participant would have received.

SLS reserves the right to modify, suspend, or permanently discontinue the Community Competition program at any time without prior notice, subject to fulfilling obligations to participants in competitions that have already closed. Changes to these rules will be posted on the Platform. Participation after the effective date of a modification constitutes acceptance of the updated rules.

We are committed to:

• Operating legally and transparently.
• Never guaranteeing winnings.
• Clearly explaining how our promotions work.
• Providing a free Alternate Method of Entry (AMOE) where required.
• Preventing fraud and abuse.
• Respecting participant privacy.
• Providing resources for individuals who may need help controlling their participation.

Participation in SLS should always be viewed as entertainment and promotional participation—not as a way to earn money or solve financial problems.

You should never:

• Spend money you cannot afford to lose.
• Attempt to recover financial losses through additional purchases.
• Participate under financial stress.
• View participation as an investment.

Participants must meet all eligibility requirements described in the Official Rules, including minimum age, residency, and student loan debt requirements where applicable. Participation is limited to individuals with an active student loan balance at the time of entry and throughout participation.

We reserve the right to verify eligibility at any time during or before participation.

SLS provides a free method of entry (AMOE) where required by law.

Making a purchase does not increase the odds of winning beyond what is disclosed in the Official Rules.

If you enroll in an optional recurring subscription:

• Billing terms are disclosed before purchase.
• You may cancel future renewals at any time through your account settings.
• Cancellation prevents future charges but does not refund previous billing periods except where required by law.

If you believe your participation is becoming unhealthy, you may request that your account be suspended or permanently closed.

During a self-exclusion period:

• Your account cannot participate in promotions.
• New subscriptions cannot be started.
• Existing subscriptions will be canceled before the next billing cycle where applicable.
• You may be prevented from creating another account.

To request self-exclusion, contact: support@studentloansweepstakes.com

Participants are encouraged to:

• Monitor spending.
• Review recurring subscriptions regularly.
• Set personal participation limits.
• Take breaks from participation when appropriate.

You should consider taking a break or seeking assistance if you:

• Spend more than you intended.
• Feel anxious when not participating.
• Hide participation from family members.
• Borrow money to participate.
• Believe participation is your solution to financial problems.
• Continue participating despite negative financial consequences.

SLS does not knowingly allow participation by anyone under the minimum legal age required by applicable law.

Accounts found to belong to underage individuals will be terminated.

To protect all participants, we use security measures including:

• Identity verification
• Device analysis
• Fraud detection
• Duplicate account detection
• Entry validation
• Prize verification procedures

Accounts engaged in fraudulent activity may be suspended or permanently banned.

All prizes are awarded according to the Official Rules.

Winning cannot be influenced by:

• Purchasing additional products beyond the disclosed promotion terms
• Contacting employees
• Attempting to manipulate the system
• Creating multiple accounts
• Automated scripts or bots

Fraudulent entries may be void.

If participation is no longer enjoyable or feels difficult to control, help is available.

The National Problem Gambling Helpline provides confidential support and resources.

If you believe you are experiencing a mental health crisis or are in immediate emotional distress, help is available through the 988 Suicide & Crisis Lifeline by calling or texting 988, or via web chat at 988lifeline.org/chat.

If you have questions regarding this Responsible Gaming Policy or would like to request self-exclusion, please contact:

Student Loan Sweepstakes
Email: support@studentloansweepstakes.com

A cookie is a small text file a website places on your device to make the site function, remember preferences, and provide usage information. SLS also uses similar technologies: web beacons/pixel tags, local storage, session storage, and device fingerprinting used by some third-party fraud-detection and analytics providers. References to "cookies" in this Policy include these similar technologies unless context indicates otherwise.

Essential cookies include session cookies, authentication tokens, CSRF protection tokens, entry-tracking identifiers, and fraud-detection cookies (device-level identifiers, not tied to your name).

Functional cookies power Google reCAPTCHA v3, which generates a token at lead-form start and submission that transmits behavioral and device data (mouse movement, keystroke timing, browser characteristics) to Google to assess bot risk. This score is recorded alongside your form submission.

Analytics cookies (Google Analytics 4, Google Tag Manager, PostHog) collect aggregated, anonymized usage data and are not used to build advertising profiles or track you across other websites.

Advertising cookies are used with the video-advertisement AMOE feature: verifying an ad was viewed, preventing duplicate entry credit, and reporting viewing data to advertisers. These are set by third-party ad-tech providers, not SLS directly.

Affiliate Tracking cookies record a referral code and click timestamp for a defined referral window, so a subscription can be correctly attributed to the referring affiliate. If a referred user blocks or clears this cookie before subscribing, SLS is not obligated to manually attribute the referral.

Some cookies are set by third parties rather than SLS directly, including Google Analytics 4, Google Tag Manager, PostHog, Google reCAPTCHA v3, video advertising networks (AMOE feature), and Square (subscription checkout). SLS does not control third-party cookies and is not responsible for their privacy practices.

Session cookies exist only for your browser session (login, entry tracking) and are deleted when you close your browser. Persistent cookies (analytics, advertising verification, affiliate tracking) remain for a defined period, generally between 30 days and 24 months, unless cleared earlier.

Most browsers let you view, delete, or block cookies through settings (Chrome: Settings > Privacy and Security > Cookies; Firefox: Settings > Privacy and Security > Cookies and Site Data; Safari: Preferences > Privacy > Manage Website Data; Edge: Settings > Cookies and Site Permissions). Blocking essential or functional cookies will prevent login, entry crediting, and lead-form completion.

For advertising cookies specifically, you may use industry opt-out tools: Network Advertising Initiative (optout.networkadvertising.org), Digital Advertising Alliance (optout.aboutads.info), and Google Ads Settings (adssettings.google.com). These limit interest-based advertising but do not prevent all advertising cookies or ads from displaying.

SLS acknowledges Do Not Track (DNT) signals and limits non-essential tracking where technically feasible, but essential cookies, functional cookies (including reCAPTCHA), and affiliate tracking necessary for commission attribution function regardless of DNT signals.

Lead-generation forms use session cookies to maintain form state and correctly credit your entry on submission — these are essential and don't require separate consent. Google reCAPTCHA v3 generates a token at the start and submission of each form section for bot-risk scoring; this is required to operate the lead form and is not configurable without disabling lead-form access entirely.

The consent you give or withhold on any lead-generation form is recorded through the Platform's server-side systems, not through cookies. Your consent preferences are stored in your account settings; clearing your cookies does not affect them, and withdrawing consent takes effect regardless of your cookie settings.

Questions about this Cookie Policy or specific cookies used on the Platform: support@studentloansweepstakes.com.

This Policy applies to the optional AMOE forms that collect financial or personal information (student loan management, refinancing, credit improvement, debt consolidation, and related topics). A consent question is presented at a configured point within each such form — not necessarily at the end — asking whether you agree to have that form's information shared with named third-party partners. It does not apply to account-creation data, subscription billing, affiliate program activity, or winner verification, each governed by the Privacy Policy and Terms and Conditions.

Consenting User: affirmatively selects "Yes" or clearly opts in on a specific form's consent question. Consent must be an active, affirmative act — pre-ticked boxes, silence, or inaction never count.

Non-Consenting User: selects "No," skips the question, or does not respond — automatically treated as non-consenting for that form.

Your classification applies only to the specific form where the question appeared. You may consent on one form and not another; each is independent.

• The information you provided on that specific form — including financial and debt-related details — may be transmitted through SLS's internal delivery system and, where configured to the named partners identified at the time of consent, one time only
• Named partners may contact you to offer assistance relevant to the form's subject matter; SLS is not responsible for partner conduct
• SLS may receive compensation when your information is shared — this never results in additional cost to you

FTC Material Connection: Sharing your information with partners in exchange for compensation is a material commercial relationship under FTC guidelines. By consenting, you acknowledge this relationship and that SLS benefits financially from it.

One-Time Sharing: Your information from any single form is offered to identified partners only once. If not matched to a partner at submission, it may be listed in the SLS marketplace for up to 365 days for one-time purchase; after that, it is not used for further commercial purposes. You may request removal from the marketplace at any time.

TrustedForm Certificate: When you submit a lead form, SLS claims a TrustedForm certificate from ActiveProspect documenting the consent event (page URL, timestamp, IP address, user agent, interaction data). The certificate URL is included in the lead data package for all tiers; for Elite-tier deliveries, SLS retains the full certificate and may share it with that partner for their own TCPA compliance documentation.

Email Marketing Consent Is Separate: Your per-form TCPA consent is distinct from email marketing consent (stored as email_consented_ind in your account), which authorizes SLS to send you "warm introduction" emails on a partner's behalf via SendGrid. You may withdraw email marketing consent at any time by unsubscribing or updating your account preferences.

• Identifying form information is not stored beyond what's necessary to credit your entries, except as described in the anonymized dataset note below
• Not transmitted to any named partner through any delivery channel
• Not analyzed, profiled, or matched to a named partner; identifying information is not sold, licensed, or disclosed for value to any third party that could identify or contact you
• You may see a marketing advertisement or promotional content instead — this does not involve sharing your personal information
• Your entries, eligibility, and access to every Platform feature are unaffected

You may withdraw any previously given consent at any time through your account settings, a preference-management link in a communication you receive, or by contacting SLS support (or, if you no longer have account access, at /privacy-request). Withdrawal stops future sharing but does not affect sharing that already occurred. Because partners may have already initiated contact, SLS cannot guarantee all partner communications cease immediately — follow the opt-out instructions in any partner communication as well. Withdrawing consent never affects your sweepstakes eligibility, existing entries, or Platform access.

Consent is never required to create or maintain an account, participate in draws, earn entries by any method, subscribe, participate in the affiliate program, win or receive a prize, or access any page, tool, or feature of the Platform.

This Consent Policy governs the optional lead-generation features only. It does not replace the Privacy Policy, which governs all personal information collected through the Platform. In the event of a conflict, the Terms and Conditions prevail, followed by the Privacy Policy, then this Consent Policy.

Questions about this Consent Policy or your consent choices: support@studentloansweepstakes.com.

SLS offers optional AMOE forms covering topics like student loan management, refinancing, loan forgiveness, debt consolidation, and credit improvement. When you complete a form and affirmatively consent, SLS transmits your answers on that form to one or more partners operating in a field relevant to the form's subject matter, who may then contact you. SLS receives compensation from partners in this arrangement — one of the ways SLS funds Platform operation and the sweepstakes prize.

No form data is ever used for lead generation without your affirmative, explicit, per-form consent — never a default, never inferred from platform use, never triggered by completing a form. Valid consent requires: a clear consent question naming the receiving partners; an affirmative "Yes" (pre-ticked boxes and passive scrolling never count); and being informed beforehand that consent is not required to earn entries or participate.

SLS routes consented data through this pathway: Direct CPL Delivery (a CPL-weighted auction among active partner campaigns for admin/marketplace forms — higher bids receive greater but not guaranteed selection weight)

Your consented data from any single form is transmitted to named partners one time only — never resold, redistributed, or re-marketed to new partners later.

Regardless of tier, all partners are contractually prohibited from reselling or sublicensing your data to any third party.

If your consented lead isn't immediately matched to a partner campaign, it may be listed in the SLS marketplace. Only an anonymized profile (state, lead-score range, form vertical — no personal identifiers) is visible to browsing partners; full data is delivered only after purchase. Listings expire 365 days after listing. The same one-time-sharing commitment applies to marketplace purchases. You may request removal from the marketplace at any time.

Regardless of consent status, lead-generation partners never receive: Social Security Numbers or ITINs, government-issued identification documents, full financial account numbers, card numbers, passwords, health/medical information, information from non-consenting users, or information from users under 18. Sensitive information collected from prize winners for verification and tax purposes is handled entirely separately and is never transmitted to any commercial partner.

SLS discloses its material commercial relationship with lead-generation partners consistent with FTC guidelines. Consistent with the FTC's one-to-one consent guidance, each consent is specific to the individual form and the named partners identified on it — SLS does not use blanket consent mechanisms that authorize sharing with unspecified or future partners. SLS claims a TrustedForm certificate at every submission as documented evidence of TCPA consent. SLS operates in compliance with applicable state consumer protection and privacy laws, including the CCPA and the Florida Telephone Solicitation Act.

Questions about this Disclosure, your consent status, or your rights: support@studentloansweepstakes.com. You may also file a complaint with the FTC at ftc.gov or your state's consumer protection office.

This Policy governs how SLS collects, uses, and displays NIL (name, image, likeness, voice, biographical information, personal story) of users, winners, affiliates, and brand partners in connection with the Platform's promotional activities, and how individuals may use their own NIL to promote SLS. It is incorporated into and read together with the Terms and Conditions, Official Sweepstakes Rules, and Affiliate Program Agreement.

Accepting a sweepstakes prize requires the winner's consent to SLS using their: first name and last initial (or full name with separate written agreement), state of residence, a general prize description (e.g. "student loan payoff winner"), any photo/video the winner voluntarily provides or that's captured at a prize event with their knowledge, and a summary or paraphrase of their statement about the experience (unless they object to a specific use).

SLS will never publicly disclose a winner's full mailing address, SSN, loan account details, loan servicer identity, exact prize dollar amount beyond a general tier description, or other sensitive personal/financial information without separate written consent. Winner NIL use is limited to these promotional purposes and never implies endorsement of a third-party product, service, or political cause without separate written consent.

Winners may request to limit or withdraw publicity consent after accepting a prize; SLS will accommodate reasonable requests but cannot retroactively remove content already published in third-party media or archived materials. Declining NIL/publicity consent before a prize is awarded results in disqualification and selection of an alternate winner, as described in the Official Sweepstakes Rules.

Affiliates retain full ownership of their personal NIL. SLS does not use an affiliate's NIL in its own marketing without separate written consent; when an affiliate promotes SLS using their own NIL, that's the affiliate's own activity under the Affiliate Program Agreement and this Policy. Granting or withholding consent to feature affiliate content never affects commission earnings or affiliate status.

Brand Partners (formal ambassador/influencer/spokesperson arrangements) have NIL terms governed by their individual written agreement, which this Policy supplements.

General users (non-winners, non-affiliates, non-brand-partners): SLS never uses their NIL in promotional materials without prior written consent. Account registration does not constitute such consent. SLS may use anonymized, aggregated statistics about its user base without individual NIL consent.

User-generated content: if you voluntarily post about SLS publicly, SLS may share or reference that content with attribution (excluding sensitive personal information). You may ask SLS to stop actively resharing your content, though SLS cannot control organic sharing by others. Tagging SLS or using its official hashtags grants a limited, royalty-free license to repost with attribution — not extending to paid advertising without separate written consent.

SLS may engage current college athletes as brand partners under applicable NIL laws. SLS will never condition an NIL arrangement on athletic performance or team standing; will not enter arrangements prohibited in an athlete's state or where required conditions aren't met; requires written confirmation that the arrangement was disclosed to the athlete's institution as required by applicable rules; and will not proceed where legal counsel advises a likely NCAA or state-law violation. No NIL arrangement with an athlete creates any sweepstakes advantage — the Platform's prizes and services remain open to all eligible participants regardless of athletic status.

Without an individual's prior written consent, SLS will never: suggest a false endorsement; use NIL in a false, misleading, or defamatory manner; use NIL in connection with political campaigns or causes; use NIL in adult or otherwise inappropriate content; imply a personal relationship that doesn't exist; use NIL after consent is withdrawn or an agreement has terminated; or use the NIL of anyone under 18 (the Platform is 18+ only).

You may request withdrawal of NIL consent at any time. SLS will cease using your NIL in new content from the withdrawal date, review and where feasible remove or replace existing published content, but cannot guarantee removal from third-party publications, archived media, or already-distributed printed materials. For sweepstakes winners, withdrawing publicity consent after prize acceptance does not affect the validity of the prize or require its return.

To report unauthorized NIL use or ask about NIL consent: support@studentloansweepstakes.com. Unresolved NIL disputes are subject to the dispute resolution and governing law provisions of the Terms and Conditions.

"Personal Data" means information relating to an identified or identifiable natural person processed by SLS in connection with the Partner's use of the Platform. "Processing," "Data Subject," "Controller," and "Processor" have the meanings given in the GDPR; "Business" and "Service Provider" have the meanings given in the CCPA/CPRA. This DPA uses the GDPR and CCPA terms interchangeably as context requires — a reference to "Controller" includes "Business," and a reference to "Processor" includes "Service Provider," unless stated otherwise. "Sub-processor" means a third-party service provider SLS engages to process Personal Data, as listed in Section 6. "Security Incident" means a confirmed breach of security leading to accidental or unlawful destruction, loss, alteration, or unauthorized disclosure of or access to Personal Data processed by SLS. "Applicable Data Protection Laws" means the GDPR, CCPA/CPRA, other U.S. state privacy laws referenced in the Privacy Policy, and any other data protection law that applies to a party's processing under this DPA.

The partner dashboard identifies whether a given campaign or form is a Marketplace/CPL-Auction source or a Partner-Owned Form. Where a Partner is uncertain which mode applies to a given lead, SLS will confirm the source upon request.

• Processing on Instructions: SLS processes Partner-Owned Form data only on the Partner's documented instructions, unless required otherwise by law (with notice to the Partner where legally permitted)
• Confidentiality: Access restricted to personnel who need it to operate the Platform, per the Privacy Policy's access controls
• Security Measures: TLS encryption in transit, encryption at rest, application-layer encryption of financial profile data, access controls, and regular security reviews (Privacy Policy Section 7)
• Sub-processors: Reasonable advance notice before adding a new sub-processor for Partner-Owned Form data; the Partner may object on reasonable data-protection grounds
• Data Subject Rights: SLS forwards relevant requests to the Partner without undue delay and provides reasonable assistance; data subjects may also use the Platform's /privacy-request intake directly
• Security Incident Notification: Without undue delay, and in any case within 72 hours of becoming aware, for incidents affecting Partner-Owned Form data
• Deletion on Termination: Governed by Partner Agreement Section 9.6 — deletion or certified destruction within 30 days of termination; this DPA does not create a different timeline
• Audit Rights: On reasonable notice, no more than once per year absent a suspected incident, SLS provides information reasonably necessary to demonstrate compliance, which may be a written summary rather than an on-site audit

• Solely responsible for its own compliance with Applicable Data Protection Laws for all Personal Data it receives, in both processing modes
• Maintains a lawful basis for its own use and will not direct SLS to process Personal Data unlawfully
• Honors data subject rights requests directed to it and cooperates in good faith with SLS on requests touching Section 3 data
• Promptly notifies SLS of any data subject complaint, regulatory inquiry, or enforcement action relating to SLS-supplied Personal Data
• Remains subject to the existing Partner Agreement restrictions — Internal Use Only (§9.1), No Resale (§9.2), No Data Enrichment for Sale (§9.3) — which this DPA does not relax or replace

For Partner-Owned Form Leads (where SLS acts as Service Provider), SLS will process California residents' Personal Data only for the specific business purpose of operating the Partner's form; will not sell or share it; will not retain, use, or disclose it outside the business relationship with the Partner; and will not combine it with Personal Data from other sources except as CCPA permits. For Marketplace and CPL-Auction Leads, SLS acts as a Business for its own collection and the Partner acts as a Business for its own subsequent use, each independently responsible for its own CCPA obligations.

SLS uses the following sub-processors to operate the Platform — the same vendors disclosed in the Privacy Policy and Lead-Generation Disclosure: