Terms of Use

Terms of Service

General Terms of Service

Terms of Service
Changed App Terms Agreement
Last modified: December 16,2024

This Changed App Terms Agreement (“Agreement”) is a binding agreement between you (“End User” or “you”) and Changed Inc., a Delaware Corporation (“Changed” or the “Company” or “we” or “us”). This Agreement governs your use of the Changed App, (including all related documentation, the “Application”). The Application is licensed, not sold, to you.

The Services provided through this Application help you pay off your student loans and other debt faster by rounding up your purchases to the next dollar. When the difference between your purchases and the rounded-up amount reaches or exceeds $5.00, Changed will transfer the funds to your Changed account ("Changed Account"). When your Changed Account balance reaches or exceeds your selected balance threshold, Changed will send a payment to your student loan account servicer or your other loan account servicer. Changed can transfer a maximum of $500 per week to your loan servicer. If a refund of your Changed Account balance is requested the maximum amount that can be sent back to your account is $600 per day until your Changed account is fully refunded. To use this service, you will be required to submit bank account and loan servicer information as provided below.

The Services provided through this Application also includes Changed’s “Stash my Cash” program. The Stash my Cash program is a separate account. The account carries no interest. You will be able to split your savings from your external and connected bank accounts to this Stash my Cash Account and your other accounts with Changed. You can then “Cash Out” your Stash my Cash balance at any point, once per day. The Changed Stash my Cash Account and Changed Account are both referred to herein as “Changed Accounts”.

Recurring Transfers

You authorize the Changed to make recurring electronic debits and credits to your Funding Source as initiated by you for the amounts and frequencies you identify, and, if necessary, to correct erroneous debits and credits. The authorization to initiate debit and credit entries from and to your Funding Source will remain in full force and effect until you notify Changed that you wish to revoke this authorization by emailing support@changedapps.com or making such changes in the Application, if available and the applicable party has acknowledged such revocation. You must notify Changed at least three (3) Business Days before the scheduled debit date in order to cancel this authorization. If Changed does not receive notice at least three (3) Business Days before the scheduled debit date, Changed may attempt, in their sole discretion, to cancel the debit transaction. However, Changed assumes no responsibility for their failure to do so. Please note that withdrawal of your electronic authorization contained in this Section will not apply to ACH or Electronic Funds Transfer transactions taking place before the withdrawal of your authorization becomes effective.

You represent that the transfers you authorize comply with applicable law. Changed reserves the right to delay or prevent transfers of funds in accordance with applicable laws.

THE SERVICES PROVIDED THROUGH THE CHANGED APP ARE PROVIDED THROUGH A PAID MONTHLY OR ANNUAL SUBSCRIPTION THAT WILL AUTOMATICALLY RENEW EACH MONTH OR YEAR ON THE ANNIVERSARY OF WHEN YOUR FIRST FEE IS CHARGED.

BY SIGNING UP FOR CHANGED THROUGH THE APPLICATION YOU ARE CONFIRMING THAT YOU HAVE READ THESE TERMS AND AGREE TO THEM OR BY USING THE APPLICATION, YOU (A) ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS AGREEMENT; (B) REPRESENT THAT YOU ARE EIGHTEEN (18) YEARS OF AGE OR OLDER; AND (C) ACCEPT THIS AGREEMENT AND AGREE THAT YOU ARE LEGALLY BOUND BY ITS TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT DOWNLOAD, INSTALL OR CONTINUE TO USE THE APPLICATION AND DELETE IT FROM YOUR MOBILE DEVICE.

1. License Grant. Subject to the terms of this Agreement, Changed grants you a limited, non-exclusive and nontransferable license to:
(a) download, install and use the Application for your personal, non-commercial use on a single mobile device owned or otherwise controlled by you (your “Mobile Device”) strictly in accordance with the Application’s documentation and as permitted by the Apple Inc. (“Apple”) App Store Terms of Use and Sales & Refund Terms and Conditions; and
(b) access, stream, download and use on such Mobile Device the Content and Services (as defined in Section 5) made available in or otherwise accessible through the Application, strictly in accordance with this Agreement applicable to such Content and Services.
(c) You acknowledge that this Agreement is concluded between Changed and you only, and not with Apple, and that Changed, not Apple, is solely responsible for the Application and the content thereof.

2. License Restrictions. Licensee shall not:
(a) copy the Application, except as expressly permitted by this license;
(b) modify, translate, adapt or otherwise create derivative works or improvements, whether or not patentable, of the Application;
(c) reverse engineer, disassemble, decompile, decode or otherwise attempt to derive or gain access to the source code of the Application or any part thereof;
(d) remove, delete, alter or obscure any trademarks or any copyright, trademark, patent or other intellectual property or proprietary rights notices from the Application, including any copy thereof;
(e) rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer or otherwise make available the Application or any features or functionality of the Application, to any third party for any reason, including by making the Application available on a network where it is capable of being accessed by more than one device at any time; or
(f) remove, disable, circumvent or otherwise create or implement any workaround to any copy protection, rights management or security features in or protecting the Application.

3. Reservation of Rights. You acknowledge and agree that the Application is provided under a license, and not sold, to you. You do not acquire any ownership interest in the Application under this Agreement, or any other rights thereto other than to use the Application in accordance with the license granted, and subject to all terms, conditions and restrictions, under this Agreement. Changed and its service providers reserve and shall retain their entire right, title and interest in and to the Application, including all copyrights, trademarks and other intellectual property rights therein or relating thereto, except as expressly granted to you in this Agreement.

4. Collection and Use of Your Information. You acknowledge that when you download, install or use the Application, Changed may use automatic means (including, for example, cookies and web beacons) to collect information about your Mobile Device and about your use of the Application. You also will be required to provide certain information about yourself as a condition to downloading, installing or using the Application or certain of its features or functionality, and the Application will provide you with opportunities to share information about yourself with others. All information we collect through or in connection with this Application is subject to our Privacy Policy, available at https://gochanged.com/legal/ and in the Changed App under “Disclaimers” in the menu. By downloading, installing, using and providing information to or through this Application, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.
a) Liability Data Consents When you apply for or request a product or service within the Changed app that requires certain connections to your financial accounts, you authorize Changed to connect to these accounts and make the relevant data available for your use in the Changed app. You further acknowledge and agree that: Identity Verification and Fraud Prevention: We may validate your identity and prevent fraud using your Personal Identifiable Information (PII), which we obtain from you, your wireless carrier, and our service provider(s). By authorizing your wireless carrier to share information about your account and wireless device, you allow Changed and its service providers to use this information solely to identify you or your device and prevent fraud. Data Sharing with Consumer Reporting Agencies: We may share your Personal Data with one or more consumer reporting agencies. You consent to our obtaining a consumer report and related information, which will constitute a soft inquiry and will not impact your credit score. This information will be used to verify your identity and to retrieve data on your liability/debt accounts, including account numbers, types, balances, interest rates, payoff details, late fees, and payment history (collectively, "Account Data"). Authorization for Account Data Retrieval: You authorize us to use your Personal Data to access, obtain, and transmit Account Data on your behalf from your financial institutions, lenders, creditors, or service providers, including any third parties they work with. You consent to us sharing this Account Data with you within the Changed app.
b) Consumer Report Authorization for Credit Monitoring If you request or apply for a credit monitoring product or other service offered by Changed, you are providing written instructions in accordance with the Fair Credit Reporting Act, authorizing Changed to periodically obtain information from your credit profile, including your VantageScore(s) from one or more of the three nationwide consumer reporting agencies. This information will be used to provide you with the requested credit monitoring, scoring product, or other service. If you wish to revoke your consent, please contact support@changedapps.com.

5. Content and Services. The App may provide you with access to the Company’s website located at http://www.gochanged.com/ (the “Website”) and products and services accessible thereon, and certain features, functionality and content accessible on or through the App may be hosted on the Website (collectively, “Content and Services”). Your access to and use of such Content and Services are governed by this Agreement and the Company’s Privacy Policy, located at https://www.gochanged.com/legal/, which are hereby incorporated by reference. Your access to and use of such Content and Services may require you to acknowledge your acceptance of this Agreement and the Company’s Privacy Policy and/or register with the Website, and your failure to do so may restrict you from accessing or using certain of the App’s features and functionality.

6. Geographic Restrictions. The Content and Services are based in the state of Illinois in the United States and provided for access and use only by persons located in the United States. You acknowledge that you may not be able to access all or some of the Content and Services outside of the United States and that access thereto may not be legal by certain persons or in certain countries. If you access the Content and Services from outside the United States, you are responsible for compliance with local laws.

7. Maintenance and Updates.
(a) Apple has no obligation to support. Changed is solely responsible for providing any maintenance and support services with respect to the Application, as specified in this Agreement, or as required under applicable law. Changed and End User acknowledges that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Application.
(b) Support. Changed may from time to time in its sole discretion develop and provide Application updates, which may include upgrades, bug fixes, patches and other error corrections and/or new features (collectively, including related documentation, “Updates”). Updates may also modify or delete in their entirety certain features and functionality. You agree that Changed has no obligation to provide any Updates or to continue to provide or enable any particular features or functionality. Based on your Mobile Device settings, when your Mobile Device is connected to the internet either:
(i) the Application will automatically download and install all available Updates; or
(ii) you may receive notice of or be prompted to download and install available Updates.

You shall promptly download and install all Updates and acknowledge and agree that the Application or portions thereof may not properly operate should you fail to do so. You further agree that all Updates will be deemed part of the Application and be subject to all terms and conditions of this Agreement.

8. Third-Party Beneficiary. Changed and End User acknowledge and agree that Apple and Apple’s subsidiaries, are third-party beneficiaries of this Agreement, and that, upon End User’s acceptance of the terms and conditions of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce the Agreement against End User as a third party beneficiary thereof.

9. Third-Party Materials. The Application may display, include or make available third-party content (including data, information, applications and other products services and/or materials) or provide links to third-party websites or services, including through third-party advertising (“Third Party Materials”). You acknowledge and agree that Changed is not responsible for Third Party Materials, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect thereof. Changed does not assume and will not have any liability or responsibility to you or any other person or entity for any Third Party Materials. Third-Party Materials and links thereto are provided solely as a convenience to you and you access and use them at entirely at your own risk and subject to such third parties’ terms and conditions.

10. Term and Termination.
(a) The term of this Agreement commences when you download or install the App or acknowledge your acceptance and will continue in effect until terminated by you or Changed as set forth in this Section 10.
(b) You may terminate this Agreement by either (i) choosing “Cancel Service” from the “Settings” menu in the Changed App and following the instructions, or (ii) contacting Changed at support@Changedapps.com and working with our staff to cancel your account.
(c) Changed may terminate this Agreement at any time without notice if it ceases to support the Application, which Changed may do in its sole discretion. In addition, this Agreement will terminate immediately and automatically without any notice if you violate any of the terms and conditions of this Agreement.
(d) Upon termination:
(i) all rights granted to you under this Agreement will also terminate;
(ii) Changed will cancel your account; and
(iii) you must cease all use of the Application and delete all copies of the Application from your Mobile Device and account.
(e) Termination will not limit any of Changed’s rights or remedies at law or in equity.

11. Monthly or Annual Subscription. The services provided through this Application are purchased as a paid Monthly or Annual Subscription. Subscription fees will be deducted from your Changed Account or the funding account you link with Changed and transferred to Changed. Through your acceptance of this Agreement, you authorize this deduction and transfer of funds. Your subscription will automatically renew each month or year if you do not cancel it in accordance with this Agreement at least three (3) Business Days in advance of the Renewal Date.
(a) Renewal Date for Formerly Free Accounts. For End Users who enter into this Agreement with an existing free Changed account, the Renewal Date for your Monthly Subscription shall the same day of the month as the date that you accept this Agreement.
(b) Renewal Date for New Accounts. For End Users who enter into this Agreement without an existing Changed Account, the Renewal Date for your Monthly or Annual Subscription shall the same day of the month/year as the first transfer of funds from your bank account.
(c) Renewal Date in Short Months. In any month, if such month does not include the date on which the subscription would ordinarily be renewed (for example, if the month is February and the Renewal Date is the 31st), the Renewal Date shall be the last Business Day of that month.
(d) Renewal Date to Fall on Business Day. In any month, if the Renewal Date does not fall on a Business Day, the Renewal Date for that month shall be the following Business Day.

Third-Party Service Providers.

12. Cancellation Due to Failure to Provide Loan Account Information. If you fail to provide us with your loan account information within sixty (60) days of registration for Changed, we reserve the right to cancel your Changed subscription and refund or return any funds in your Changed Account in accordance with the refund and disposition of unclaimed funds provisions set forth in Sections 13 and 14 of this Agreement.

13. Refund after Cancellation. After cancellation in accordance with the terms of this Agreement, your Monthly or Annual Subscription will end on the renewal date. Any funds remaining in your Changed Account will be refunded within 10 Business Days. You will not receive a refund of the fees paid for the period of service in which you canceled your subscription.

14. Disposition of Unclaimed Funds. If, after cancellation, the funds in your Changed Account cannot be refunded due to outdated, incorrect, or invalid bank account information, we will contact you at your email and postal addresses on file to alert you so that you may update your bank account information and receive a refund. If you fail to update your information, the Monthly Subscription fee will continue to be deducted from your Changed Account for up to sixty (60) months or until the account is balance is zero dollars ($0.00), whichever occurs first. If any funds remain in your Changed Account sixty (60) months after cancellation, we will again attempt to locate you. If we cannot, such funds will be presumed to have been abandoned. Abandoned funds will be handled in accordance with that state and federal laws governing unclaimed property.

15. Disclaimer of Warranties. THE APPLICATION IS PROVIDED TO LICENSEE “AS IS” AND WITH ALL FAULTS AND DEFECTS WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, Changed INC., ON ITS OWN BEHALF AND ON BEHALF OF ITS AFFILIATES AND ITS AND THEIR RESPECTIVE LICENSORS AND SERVICE PROVIDERS, EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, WITH RESPECT TO THE APPLICATION, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, AND WARRANTIES THAT MAY ARISE OUT OF COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OR TRADE PRACTICE. WITHOUT LIMITATION TO THE FOREGOING, Changed INC. PROVIDES NO WARRANTY OR UNDERTAKING, AND MAKES NO REPRESENTATION OF ANY KIND THAT THE APPLICATION WILL MEET YOUR REQUIREMENTS, ACHIEVE ANY INTENDED RESULTS, BE COMPATIBLE OR WORK WITH ANY OTHER SOFTWARE, APPLICATIONS, SYSTEMS OR SERVICES, OPERATE WITHOUT INTERRUPTION, MEET ANY PERFORMANCE OR RELIABILITY STANDARDS OR BE ERROR FREE OR THAT ANY ERRORS OR DEFECTS CAN OR WILL BE CORRECTED.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF OR LIMITATIONS ON IMPLIED WARRANTIES OR THE LIMITATIONS ON THE APPLICABLE STATUTORY RIGHTS OF A CONSUMER, SO SOME OR ALL OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU.

16. Limitation of Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL Changed INC. OR ITS AFFILIATES, OR ANY OF ITS OR THEIR RESPECTIVE LICENSORS OR SERVICE PROVIDERS, HAVE ANY LIABILITY ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE APPLICATION OR THE CONTENT AND SERVICES FOR:
(a) PERSONAL INJURY, PROPERTY DAMAGE, LOST PROFITS, COST OF SUBSTITUTE GOODS OR SERVICES, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, COMPUTER FAILURE OR MALFUNCTION OR ANY OTHER CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL OR PUNITIVE DAMAGES
(b) DIRECT DAMAGES IN AMOUNTS THAT IN THE AGGREGATE EXCEED THE AMOUNT ACTUALLY PAID BY YOU FOR THE APPLICATION.
IN PARTICULAR, Changed INC. AND ITS AFFILIATES RELY ON YOUR INPUT OF CORRECT BANKING, LOAN SERVICE PROVIDER, AND OTHER FINANCIAL INFORMATION IN ORDER TO PROVIDE YOU WITH THE SERVICES AVAILABLE THROUGH THE APPLICATION. IN NO EVENT WILL Changed INC. OR ITS AFFILIATES BE LIABLE FOR ERRONEOUS TRANSFERS OF, OR A FAILURE TO CORRECTLY TRANSFER, FUNDS WHERE SUCH ERROR OR FAILURE IS ATTRIBUTABLE TO INCORRECT BANKING, LOAN SERVICER PROVIDER OR OTHER FINANCIAL INFORMATION.

THE FOREGOING LIMITATIONS WILL APPLY WHETHER SUCH DAMAGES ARISE OUT OF BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE AND REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR Changed INC. WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY SO SOME OR ALL OF THE ABOVE LIMITATIONS OF LIABILITY MAY NOT APPLY TO YOU.

17. Limitations on Apple’s Obligations.
(a) Changed is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the Application to conform to any applicable warranty, End User may notify Apple, and Apple will refund the purchase price for the Application to that End User. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be Changed’s sole responsibility.
(b) Changed and End User acknowledge that Changed, not Apple, is responsible for addressing any claims of End User or any third party relating to the App or End User’s possession and/or use of that Application, including, but not limited to: (i) product liability claims; (ii) any claim that Application fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.
(c) Changed and End User acknowledges that, in the event of any third party claim that the Application or End User’s possession and use of that Application infringes on that third party’s intellectual property rights, Apple, will not be responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.

18. Electronic Fund Transfers ("EFTs").

Preauthorized Transfers

Stop-Payment Rights:
To stop a preauthorized transfer, contact Changed at least three (3) Business Days before the scheduled transfer date by Emailing support@changedapps.com, or submitting a request through the Changed platform.
Changed may require written confirmation of your oral request within 14 days. If written confirmation is not received, the stop-payment request may not remain in effect.

Notice of Varying Amounts:
For preauthorized transfers that vary in amount, you will receive notice of the amount and date at least 10 days before the transfer. Alternatively, you may opt to receive notice only if the transfer exceeds a specified amount or falls outside a designated range.

Failure to Stop Payment:
If you properly request a stop payment and Changed fails to honor the request, we will reimburse you for any losses incurred.

19. Terms of Plaid Services. The Changed App uses Plaid Technologies, Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant Changed and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy.

20. Identifying Information. We may at any time require you to provide additional information in order to verify your identity. This information may include your full name, address, telephone number, date of birth, or such other information or documentation as we may deem necessary. Such information may be required, for instance, in order to meet our legal obligations or the requirements of our financial service partners and their financial institution partners.

21. Indemnification. You agree to indemnify, defend and hold harmless Changed and its officers, directors, employees, agents, affiliates, successors and assigns from and against any and all losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of whatever kind, including attorneys’ fees, arising from or relating to your use or misuse of the Application or your breach of this Agreement. Furthermore, you agree that Changed assumes no responsibility for the content you submit or make available through this Application.

22. Export Regulation. The Application may be subject to US export control laws, including the US Export Administration Act and its associated regulations. You shall not, directly or indirectly, export, re-export or release the Application to, or make the Application accessible from, any jurisdiction or country to which export, re-export or release is prohibited by law, rule or regulation. You shall comply with all applicable federal laws, regulations and rules, and complete all required undertakings (including obtaining any necessary export license or other governmental approval), prior to exporting, re-exporting, releasing or otherwise making the Application available outside the US.

23. Notice. Changed may provide you with notices, including those regarding changes to this Agreement, using any reasonable means, which may include email, SMS, MMS, text message or postings in the App. Such notices may not be received if you violate this Agreement by accessing the Service in an unauthorized manner. You agree that you are deemed to have received any and all notices that would have been delivered had you accessed the Service in an authorized manner.

24. Developer Contact Information. End User may direct questions, complaints or claims with respect to the Application to Changed at:

Changed Inc.
433 W. Van Buren St. Suite 1100J
Chicago, IL 60607
(800) 557-9419
support@Changedapps.com

25. Severability. If any provision of this Agreement is illegal or unenforceable under applicable law, the remainder of the provision will be amended to achieve as closely as possible the effect of the original term and all other provisions of this Agreement will continue in full force and effect.

26. Governing Law. This Agreement, and any dispute between you and Changed, shall be governed by and construed in accordance with the internal laws of the state of Illinois without regard to principles of conflicts of law. Any legal suit, action or proceeding arising out of or related to this Agreement or the App shall be instituted exclusively in the federal or state courts of Cook County, Illinois, USA, and you and Changed consent to personal jurisdiction in those courts.

27. Limitation of Time to File Claims. ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE APPLICATION MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

28. Entire Agreement. This Agreement and our Privacy Policy constitute the entire agreement between you and Changed with respect to the Application and supersede all prior or contemporaneous understandings and agreements, whether written or oral, with respect to the Application.

29. Changes to the Agreement and Services. Changed reserves the right to make changes to this Agreement and the Services provided through the Application from time to time. If we make material changes to the Agreement, we will notify you either by sending you a notification by email, or by a notice displayed within the Application. Continued use of the Application following such notice will constitute your acceptance of the changes. If you do not wish to continue using the Application following such changes to the Agreement or the Services, you may cancel your subscription.

30. User Suggestions. From time to time, to provide the best service and user experience, Changed may modify the Services provided through the Application based on your suggestions. By providing us with any such suggestions, you waive any moral rights you might have with respect to any such suggestions you provide to us. You also grant us the right to use any material, information, ideas, concepts, know-how or techniques contained in any communication you provide or otherwise submit to us for any purpose whatsoever, including but not limited to, commercial purposes, and developing, manufacturing and marketing commercial products using such information. All rights in this paragraph are granted without the need for additional compensation of any sort to you.

31. Survival. Any provision of this Agreement which contemplates performance or observance subsequent to any termination or expiration of this Agreement shall survive any termination or expiration of this Agreement and continue in full force and effect. Such provisions include but are not limited to sections governing refunds and unclaimed property.

32. Waiver. No failure to exercise, and no delay in exercising, on the part of either party, any right or any power hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or power hereunder preclude further exercise of that or any other right hereunder. In the event of a conflict between this Agreement and any applicable purchase or other terms, the terms of this Agreement shall govern.

33. Business Day. "Business Day" means a day other than a Saturday, Sunday or other day on which commercial banks in Chicago, Illinois are authorized or required by Law to be closed for business.

34. Non-transferable account. You agree that your Application account is non-transferable and all of your rights to your profile or contents within your Application account terminate upon your death. No agency, partnership, joint venture or employment is created as a result of this Agreement and you may not make any representations or bind Changed in any manner.

Changed Perks Student Loan Payment Giveaway

Official Rules

NO PURCHASE NECESSARY. A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING.

THE FOLLOWING PROMOTION IS INTENDED FOR VIEWING IN THE UNITED STATES ONLY AND SHALL ONLY BE CONSTRUED AND EVALUATED ACCORDING TO UNITED STATES LAW. DO NOT PROCEED ON THIS SITE IF YOU ARE NOT LOCATED IN THE UNITED STATES.

1. Eligibility: The Changed Perks Student Loan Payment Giveaway (the “Giveaway”) is open only to Members of The Changed App, defined as those persons who have downloaded the Changed App (Download link available at www.gochanged.com), signed up with an email address and completed their Changed profile, who are legal residents of the fifty (50) United States and the District of Columbia and who are at least eighteen (18) years old at the time of entry. Employees of Changed Inc. and its parent and affiliate companies as well as the immediate family (spouse, parents, siblings and children) and household members of each such employee are not eligible. Subject to all applicable federal, state, and local laws and regulations. Void where prohibited. Participation constitutes each entrant’s full and unconditional agreement to these Official Rules and Sponsor’s decisions, which are final and binding in all matters related to the Giveaway. Winning a prize is contingent upon fulfilling all requirements set forth herein.

2. Sponsor: Changed Inc., 433 W. Van Buren St. Suite 1100-J, Chicago, IL 60607.

3. Timing: The Giveaway begins at 12:01 a.m. CT on 03/02/2019 and ends on 11:59 p.m. CT on 12/31/2024 (the "Giveaway Period").

4. How to Enter: Members (as defined above) gain one Entry for each point earned by completing milestones via the Changed App Perks landing page within the mobile app during the Giveaway Period. Each Point will be credited to a Member's account as an entry in a weekly random drawing to be held during the Giveaway Period. Changed will handle the tracking of qualifying points. Additional milestone events to qualify for an entry may be added from time to time during the Giveaway Period. Additions will be posted at https://www.gochanged.com/perks. Qualifying events include referring a non-member who joins Changed and makes their first transfer (defined as any transfer of funds from their linked checking account to their Changed account), following our social pages, completing your Changed Profile, and other events that may be added from time to time. See https://www.gochanged.com/perks for a complete list of entry “Points.” Alternate Means of Entry: Changed App Members can also enter during the Giveaway Period by sending a postcard with their name, email address and phone number to: ATTN: Changed Perks Student Loan Payment Giveaway, Changed Inc., 433 W. Van Buren St. Suite 1100-J, Chicago, IL 60607. Limit one postcard entry per Member per week.

Use of any automated system to participate is prohibited and will result in disqualification. In the event of a dispute as to any registration, the authorized account holder of the email address used to register will be deemed to be the registrant. The “authorized account holder” is the natural person assigned an email address by an Internet access provider, online service provider or other organization responsible for assigning email addresses for the domain associated with the submitted address. The potential winner may be required to show proof of being the authorized account holder. Only one email address is permitted per natural person entering the Giveaway.

5. Grand Prize Drawings: Sponsor’s decisions as to the administration and operation of the Giveaway and the selection of the potential winners are final and binding in all matters related to the Giveaway. Weekly on Friday beginning 03/08/2019, Sponsor will conduct a random drawing to select the potential Sweepstakes winner from all eligible entries received during the Entry Period. The potential winner will be notified by mail, email or phone. Each potential winner (parent/legal guardian if winner is a minor in his/her state of residence) will be required to sign and return to Sponsor, within ten (10) days of the date notice or attempted notice is sent, an Affidavit of Eligibility and Liability & Publicity Release in order to claim his/her prize. If a potential winner cannot be contacted, fails to sign and return the Affidavit of Eligibility, Liability & Publicity Release within the required time period, or prize is returned as undeliverable, potential winner forfeits prize. Potential winner must continue to comply with all terms and conditions of these Official Rules, and winning is contingent upon fulfilling all requirements. In the event that a potential winner is disqualified for any reason, Sponsor will award the applicable prize to an alternate winner by random drawing from among all remaining eligible entries. Only three (3) alternate drawings will be held after which the prize for that week will remain un-awarded.

6. Prizes: Each qualifying winner will receive $100 or other amount to be added to their Changed account balance that will then be sent to their student loan on file. If a winner is not a Changed member, Changed will contact the winner to determine what student loan account payment should be submitted to. If the winner does not have a student loan account to pay against, their prize will be forfeited. The Approximate Retail Value of each weekly prize is $100. Prize is non-transferable and no substitution will be made except as provided herein at the Sponsor’s sole discretion. Sponsor reserves the right to substitute a prize for one of equal or greater value if the designated prize should become unavailable for any reason. Winner is responsible for all taxes and fees associated with prize receipt and/or use. Odds of winning a prize depend on the number of eligible entries received during the Giveaway Period. Limit: One (1) prize per person during the Giveaway Period.

7. Third-Party Sponsored Prizes: From time to time Changed may partner with a third party to sponsor the Changed Perks Program. A sponsored perk is in place as the perks program giveaway during a sponsorship period. Sponsored winnings vary based on sponsorship and require you to achieve a specific milestone to qualify for the sponsored Changed Perks offer.

8. Release: By receipt of any prize, winner agrees to release and hold harmless Sponsor, Changed Inc., and their respective agents, subsidiaries, affiliates, suppliers, distributors, advertising/promotion agencies, and prize suppliers, and each of their respective parent companies and each such company’s officers, directors, employees and agents (collectively, the “Released Parties”) from and against any claim or cause of action, including, but not limited to, personal injury, death, or damage to or loss of property, arising out of participation in the Giveaway or receipt or use or misuse of any prize.

9. Publicity: Except where prohibited, participation in the Giveaway constitutes winner’s consent to Sponsor’s and its agents’ use of winner’s name, likeness, photograph, voice, opinions and/or hometown and state for promotional purposes in any media, worldwide, without further payment or consideration.

10. General Conditions: Sponsor reserves the right to cancel, suspend and/or modify the Giveaway, or any part of it, if any fraud, technical failures or any other factor beyond Sponsor’s reasonable control impairs the integrity or proper functioning of the Giveaway, as determined by Sponsor in its sole discretion. Sponsor reserves the right, in its sole discretion, to disqualify any individual it finds to be tampering with the entry process or the operation of the Giveaway or to be acting in violation of these Official Rules or any other Promotion or in an unsportsmanlike or disruptive manner. Any attempt by any person to deliberately undermine the legitimate operation of the Giveaway may be a violation of criminal and civil law, and, should such an attempt be made, Sponsor reserves the right to seek damages from any such person to the fullest extent permitted by law. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision.

11. Limitations of Liability: The Released Parties are not responsible for: (1) any incorrect or inaccurate information, whether caused by entrants, printing errors or by any of the equipment or programming associated with or utilized in the Giveaway; (2) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (3) unauthorized human intervention in any part of the entry process or the Giveaway; (4) technical or human error which may occur in the administration of the Giveaway or the processing of entries; (5) late, lost, undeliverable, damaged or stolen mail; or (6) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from entrant’s participation in the Giveaway or receipt or use or misuse of any prize. If for any reason an entrant's entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, entrant’s sole remedy is another entry in the Giveaway, provided that the Entry Period has not ended. If the Giveaway is canceled, suspended or modified, Sponsor, in its sole discretion, may elect to hold a random drawing from among all eligible entries received up to the date of discontinuance for any or all of the prizes offered herein. No more than the stated number of prizes will be awarded. In the event that production, technical, seeding, programming or any other reasons cause more than stated number of prizes as set forth in these Official Rules to be available and/or claimed, Sponsor reserves the right to award only the stated number of prizes by a random drawing among all legitimate, un-awarded, eligible prize claims.

12. Disputes: Except where prohibited, each entrant agrees that any and all disputes, claims and causes of action arising out of, or connected with, the Giveaway or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by United States District Court for the Northern District of Illinois and the Illinois State District Court in Cook County, Illinois. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, entrant’s rights and obligations, or the rights and obligations of the Sponsor in connection with the Giveaway, shall be governed by, and construed in accordance with, the laws of the State of Illinois, without giving effect to any choice of law or conflict of law rules (whether of the State of Illinois or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Illinois.

13. Entrant's Personal Information: Information collected from entrants is subject to https://www.gochanged.com/legal.

14. Winner List/Official Rules: For a Winners’ List and/or a copy of these Official Rules, send a hand-printed, self-addressed, stamped envelope by December 31, 2024 to “Changed Perks Student Loan Payment Giveaway” c/o Changed Inc., 433 W. Van Buren St. Suite 1100-J, Chicago, IL 60607. VT residents may exclude return postage for Official Rules.

15. Mailing List Name Removal Notification System: If you would like your name removed from Sponsor’s mailing list, call 800-557-9419 or email support@changedapps.com.

Works Cited

Add-on interest Definition. (n.d.). Retrieved from https://www.bankrate.com/glossary/a/add-on-interest/

Bernardo, R. (2015, March 17).

Credit Union vs. Bank: What's the Difference? Retrieved from https://wallethub.com/edu/sa/credit-union-vs-bank/115

Dealing With a Loan Default. (n.d.). Retrieved from https://loans.usnews.com/articles/what-happens-if-you-default-on-a-loan

DePersio, G. (2021, April 05). Simple Interest vs. Compound Interest: What's the Difference? Retrieved from https://www.investopedia.com/ask/answers/032515/how-can-i-tell-if-loan-uses-simple-or-compound-interest.asp

Eneriz, A. (2021, March 27). Debt Avalanche vs. Debt Snowball: What's the Difference? Retrieved from https://www.investopedia.com/articles/personal-finance/080716/debt-avalanche-vs-debt-snowball-which-best-you.asp

Helhoski, A. (2021, April 05). Student Loan Interest Rates: Federal, Private, Refinancing. Retrieved from https://www.nerdwallet.com/article/loans/student-loans/student-loan-interest-rates

Helhoski, A. (2021, January 22). How to Get a Student Loan. Retrieved from https://www.nerdwallet.com/article/loans/student-loans/how-to-get-student-loan

Irby, L. (2021, January 12). What Is Debt Consolidation? Retrieved from https://www.thebalance.com/what-you-must-know-about-debt-consolidation-960652#alternatives-to-debt-consolidation

Jayakumar, A. (2021, March 16). What Is Debt Consolidation, and Should I Consolidate? Retrieved from https://www.nerdwallet.com/article/finance/consolidate-debt

Kirkham, E. (n.d.). Where to Find Out Who Your Student Loan Servicer Is. Retrieved from https://www.thebalance.com/finding-your-student-loan-servicer-4768691

Lake, R. (2021, March 26).

6 Types Of Savings Accounts. Retrieved from https://www.forbes.com/advisor/banking/types-of-savings-accounts/

McGurran, B. (2020, October 21). Student Loan Servicers: Who They Are and What They Do. Retrieved from https://www.nerdwallet.com/article/loans/student-loans/who-is-my-loan-servicer

O'Shea, B. (2021, March 03). Budgeting 101: How to Budget Money. Retrieved from https://www.nerdwallet.com/article/finance/how-to-budget

Pant, P. (2020, May 04). Understanding the Difference Between Fixed and Variable Expenses. Retrieved from https://www.thebalance.com/what-s-the-difference-between-fixed-and-variable-expenses-453774

Pritchard, J. (2020, December 01). What Is a Prepayment Penalty & How Can You Avoid Paying One? Retrieved from https://www.thebalance.com/prepayment-penalty-the-basics-315632

Pritchard, J. (2020, October 06). What Is Refinancing? Retrieved from https://www.thebalance.com/what-is-refinancing-315633#pros-and-cons-of-refinancing

Pritchard, J. (2020, October 15). What Is a Co-signer? Retrieved from https://www.thebalance.com/co-signing-how-to-find-a-co-signer-315537

Pritchard, J. (n.d.). Compound Interest Makes Your Investments Grow. Retrieved from https://www.thebalance.com/compound-interest-4061154

Pritchard, J. (n.d.). What Happens When You Default on a Loan? Retrieved from https://www.thebalance.com/what-happens-when-you-default-on-a-loan-315393

Short-term vs long-term loans. (n.d.). Retrieved from https://www.nerdwallet.com/uk/loans/short-term-vs-long-term/

White, A. (2021, February 01). A good credit score can save you thousands of dollars-here's how to understand and check yours for free. Retrieved from https://www.cnbc.com/select/what-is-a-credit-score-and-how-to-check-yours-for-free/

Christy Rakoczy Bieber. (2020, December 03). What's the Difference Between a Credit Union and a Bank? Retrieved from https://www.creditkarma.com/advice/i/difference-between-credit-union-and-bank

Partner Terms and Conditions

General Partner Terms and Conditions

Terms and Conditions

Earnest

1. Loan Cost Examples: These examples provide estimates based on payments beginning immediately upon loan disbursement. Variable APR: A $10,000 loan with a 20-year term (240 monthly payments of $75) and a 6.48% APR would result in a total estimated payment amount of $17,865.51. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 20-year term (240 monthly payments of $75) and a 6.48% APR would result in a total estimated payment amount of $17,865.51. Your actual repayment terms may vary.

2. You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment from a checking or savings account. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in AutoPay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in AutoPay.

Actual rate and available repayment terms will vary based on your income. Fixed rates range from 4.64% APR to 9.99% APR (excludes 0.25% Auto Pay discount). Variable rates range from 6.14% APR to 9.99% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. The maximum rate for your loan is 8.95% if your loan term is 10 years or less. For loan terms of more than 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95%. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account.

Loan Eligibility criteria: Your debt is from paying for education at a Title IV accredited school. The debt is from your education or your child’s. The debt you’re refinancing is for a completed degree or one that will be completed at the end of this semester. You are currently the primary borrower on the student loans you would like to refinance, and you will remain the primary borrower after refinancing. You must reside in the District of Columbia or one of the 47 states Earnest Operations LLC is authorized to lend in (all but Delaware, Kentucky, and Nevada). This is strictly a student loan refinance product. There is no opportunity to borrow more than your outstanding qualifying student loan amount. You must be the age of majority in your state or older at the time you apply, as well as be a United States citizen or Permanent Resident Alien without conditions. Refinancing is subject to credit qualifications. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX.

You may lose benefits associated with your underlying federal and/or private loans if you refinance such as federal Income-drive Repayment Plans, Economic Hardship Deferment, Public Service Loan Forgiveness, or other determent and forbearance options. If you file for bankruptcy, you may still be required to pay back this loan.

Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. Earnest Operations LLC, NMLS #1204917. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Financing Law License 6054788. Visit Lending Licenses - Earnest for a full list of licensed states. For California residents (Student Loan Refinance Only): Loans will be arranged or made pursuant to a California Financing Law License.

One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries are not sponsored by or agencies of the United States of America.

Changed receives compensation from Earnest on a per-funded loan basis.

Cash bonus and/or Roundup Match offers are provided directly by Changed. To qualify for this bonus you must go through the Changed and Earnest partnership link and fund your loan with Earnest. Bonus matches will be paid within 60 days of finalizing your new loan.

THIS IS AN ADVERTISEMENT. YOU ARE NOT REQUIRED TO MAKE ANY PAYMENT OR TAKE ANY OTHER ACTION IN RESPONSE TO THIS OFFER.

LendKey

In the event that you would like to move forward with any of the conditional offers, you will be required to complete an application with the lender on the LendKey website, at which point we will conduct a credit report inquiry (which may affect your credit score).

Bonus offer is subject to lender approval. To receive this offer, you must: (1) have a current Changed account; (2) complete a loan application with LendKey for a student loan refinance product; (3) register and/or apply through the landing page in this email. Once conditions are met and your new loan has been disbursed, LendKey will begin to match the Changed roundups you accrue for three months, and up to $100 total. You will receive your Changed roundups value within 30 days of the end of the three-month period. LendKey reserves the right to change or terminate the offer at any time with or without notice. Additional restrictions or conditions may apply.

Changed receives compensation from LendKey for funded loans.

All loans offered via LendKey’s website are made by credit unions and banks participating on the LendKey platform. LendKey Technologies, Inc. (“LendKey”) is not a lender, nor does LendKey have any ownership interest in the loans originated on the platform.

Perk Rewards Terms and Conditions

Earnest Sponsorship Rules

Sponsorship PERK Rules

NO PURCHASE NECESSARY. A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING.

1. Eligibility: The Changed<>Earnest Perks Student Loan Payment Giveaway (the “Giveaway”) is open only to Members of The Changed App, defined as those persons who have downloaded the Changed App (Download link available at www.goChanged.com), signed up with an email address and completed their Changed profile, who are legal residents of the fifty (50) United States and the District of Columbia and who are at least eighteen (18) years old at the time of entry. Employees of Changed Inc. and its parent and affiliate companies as well as the immediate family (spouse, parents, siblings and children) and household members of each such employee are not eligible. Subject to all applicable federal, state, and local laws and regulations. Void where prohibited. Participation constitutes each entrant’s full and unconditional agreement to these Official Rules and Sponsor’s decisions, which are final and binding in all matters related to the Giveaway. Winning a prize is contingent upon fulfilling all requirements set forth herein.

2. Sponsor: Changed Inc., 433 W. Van Buren St Suite 1100-J, Chicago, IL 60607.

3. Timing: The Giveaway begins at 12:01 a.m. CT on 05/16/2022 and ends on 11:59 p.m. CT on 05/22/2022 (the "Giveaway Period").

5. Grand Prize Drawing: Sponsor’s decisions as to the administration and operation of the Giveaway and the selection of the potential winners are final and binding in all matters related to the Giveaway. On 05/24/2022, Sponsor will conduct a random drawing to select the potential Sweepstakes winner from all eligible entries received during the Entry Period. The potential winner will be notified by mail, email or phone. Each potential winner (parent/legal guardian if winner is a minor in his/her state of residence) will be required to sign and return to Sponsor, within ten (10) days of the date notice or attempted notice is sent, an Affidavit of Eligibility and Liability & Publicity Release in order to claim his/her prize. If a potential winner cannot be contacted, fails to sign and return the Affidavit of Eligibility, Liability & Publicity Release within the required time period, or prize is returned as undeliverable, potential winner forfeits prize. Potential winner must continue to comply with all terms and conditions of these Official Rules, and winning is contingent upon fulfilling all requirements. In the event that a potential winner is disqualified for any reason, Sponsor will award the applicable prize to an alternate winner by random drawing from among all remaining eligible entries. Only three (3) alternate drawings will be held after which the prize for that week will remain un-awarded.

6. Prizes: Each qualifying winner will receive $500 to be added to their Changed account balance that will then be sent to their student loan on file. If a winner is not a Changed member, Changed will contact the winner to determine what student loan account payment should be submitted to. If the winner does not have a student loan account to pay against, their prize will be forfeited. The Approximate Retail Value of the prize is $500. Prize is non-transferable and no substitution will be made except as provided herein at the Sponsor’s sole discretion. Sponsor reserves the right to substitute a prize for one of equal or greater value if the designated prize should become unavailable for any reason. Winner is responsible for all taxes and fees associated with prize receipt and/or use. Odds of winning a prize depend on the number of eligible entries received during the Giveaway Period. Limit: One (1) prize per person during the Giveaway Period.

13. Entrant's Personal Information: Information collected from entrants is subject to https://www.goChanged.com/legal.

14. Winner List/Official Rules: For a Winners’ List and/or a copy of these Official Rules, send a hand-printed, self-addressed, stamped envelope by May 22, 2022 to “Changed Perks Student Loan Payment Giveaway” c/o Changed Inc., 433 W. Van Buren St Suite 1100-J, Chicago, IL 60607. VT residents may exclude return postage for Official Rules.

15. Mailing List Name Removal Notification System: If you would like your name removed from Sponsor’s mailing list, call 800-557-9419 or email support@Changedapps.com

Here's the legal stuff.

Terms of Service

Partner Terms and Conditions

Want the latest updates? Sign up here.