5toThrive by NerdWallet

Complete 5toThrive to receive a free, personalized financial plan and be entered to win a free NerdWallet+ membership!

5toThrive Promotion Official Rules

Free Financial Plan

 All eligible users who complete the 5 to Thrive program will be given the opportunity to obtain a free financial plan, courtesy of NerdWallet Advisory LLC and Hyve, Inc.  NerdWallet Advisory LLC  is an affiliate of NerdWallet Inc. and an SEC-registered investment advisor.   Eligible users are legal residents of the United States and must be 18 years of age or older.

Complimentary Access to 1 Free Year of NerdWallet+ (regularly $49 a year)

1. Eligibility: Complimentary Access to 1 Free Year of NerdWallet+ is open to legal residents of the United States who sign up at 5 to Thrive and complete the self-guided financial education course.  Entrants must be 18 years of age or older as of their date of entry in this promotion in order to qualify. This promotion is subject to federal, state, and local laws and regulations and void where prohibited by law. NerdWallet, Inc.'s employees, its subsidiaries, affiliates, suppliers, partners, advertising and promotion agencies, and directors (collectively the “Employees”), as well as members of an Employees' immediate family and/or those living in the same household of Employees are ineligible to participate in the 5 to Thrive Promotion. 

2. Sponsorship. The sponsor is NerdWallet, Inc. (“Sponsor”), located at  4150 Drinkwater Blvd., Suite 200, Scottsdale, Arizona 85251. Sponsor will conduct the Promotion substantially as described in these Official Rules. 

3. Agreement to Rules: By entering this Promotion, the Entrant (“You”) agrees to abide by the Sponsor's Official Rules and decisions, which are fully and unconditionally binding in all respects. The Sponsor reserve the right to refuse, withdraw, or disqualify any entry at any time at the Sponsor’s sole discretion. By entering this Promotion, You represent and warrant that You are eligible to participate based on eligibility requirements explained in the Official Rules. You also agree to accept the decisions of the Sponsor as final and binding as it relates to the content of this 5 to Thrive Promotion. 

4. 5 to Thrive Promotion Entry Period: This promotion begins on May 1, 2025 at 12.01am PST and ends on December 31, 2025  at 11:59pm PST (“Entry Period”). To be eligible for the 5 to Thrive Promotion, entries must be received within the specified Entry Period. 

5. How to Enter: Eligible entrants can enter The 5 to Thrive Promotion by signing up for the 5 to Thrive Program at  5 to Thrive and completing the self-guided course.  As a participant, you must complete all self-guided modules, as specified in the Official Rules, in order to be eligible to win a prize. Incomplete entries or those that do not adhere to the Official Rules or specifications will be disqualified at the Sponsor's sole discretion. Only one entry per user with a valid email address is permitted. Fraudulent methods of entry or circumvention of the rules may result in the Sponsor invalidating your entries and removing them from the 5 to Thrive Promotion at the Sponsor’s sole discretion. 

6. Prizes: Within ten (10) days each calendar quarter, a Winner of the 5 to Thrive Promotion (the “Winner”) will be randomly selected to receive a complimentary 1 year subscription to NerdWallet+ (a value of $49 per year). The actual/appraised prize value may differ at the time the prize is awarded. The prize(s) shall be determined solely by the Sponsor. There shall be no cash or other prize substitution permitted except at the Sponsor’s discretion. The prize is non-transferable. The Winner, upon acceptance of the prize, is solely responsible for all expenses related to the prize, including without limitation any and all local, state, and federal taxes. The Winner shall not transfer assignment of the prize to others nor shall the Winner request the cash equivalent or prize substitution. By accepting the prize, the selected Winner grants permission for the Sponsor to use the Winner’s likeness, entry, and name for purposes of advertising and trade without further compensation unless prohibited by law. 

7. Odds: The total number of eligible entries received determines the odds of winning. 

8. Selection and Notification of Winner: The Winner will be selected by a random drawing under the supervision of the Sponsor. The Sponsor will notify the Winner by email within five (5) days following Winner selection. The Sponsor is not responsible for nor shall have no liability for Winner’s failure to receive notices due to email security settings that may cause notifications to be marked as spam or junk email. Nor shall Sponsor be liable for the Winner’s provision of incorrect or otherwise non-functioning contact information. If the Winner 1) fails to claim the prize within 90 days from the time the award notification was sent, 2) is found ineligible, or 3) does not complete and return an executed declaration and release within the specified timeframe, the prize may be forfeited and an alternate Winner may be selected. Receipt of the prize 5 to Thrive Promotion by the Winner is upon the condition of compliance with any and all federal, state, and local laws and regulations. IF THE WINNER VIOLATES ANY OF THESE OFFICIAL RULES, THE WINNER (AT THE SPONSOR’S SOLE DISCRETION) WILL BE DISQUALIFIED, AND ALL PRIVILEGES AS WINNER WILL BE IMMEDIATELY TERMINATED. 

9. Rights Granted by You: By submitting an entry (through providing your contact information and successfully completing each module of the self-guided course) into this Promotion, You understand and agree that the Sponsor, any individual acting on the Sponsor’s behalf, and the licensees successors, and assigns of the Sponsor shall, where permitted by law, have the right to print, publish, broadcast, distribute and use in any media known now or hereafter developed, in perpetuity, worldwide, and without limitation, your submission, name, photo, portrait, voice, likeness, image, statements about the 5 to Thrive Promotion, and your biographical information for news, publicity, advertising, promotional purposes, trade, information, and public relations without any further notice, review, consent, compensation, or remuneration. 

10. Terms & Conditions: In its sole discretion, the Sponsor reserves the right to modify, suspend, cancel, or terminate the 5 to Thrive Promotion should non-authorized human intervention, a bug or virus, fraud, or other causes beyond the Sponsor’s control, impact or corrupt the security, fairness, proper conduct, or administration of the 5 to Thrive Promotion. The Sponsor, in the event of any of the above issues, may determine the Winner based on all eligible entries received prior to and/or after (if appropriate) the action taken by the Sponsor. Individuals who tamper with or attempt to tamper with the operation or entry process of the 5 to Thrive Promotion or website or violates these Terms & Conditions will be disqualified by the Sponsor in its sole discretion. In its sole discretion, the Sponsor has the right to maintain the integrity of the 5 to Thrive Promotion, to void votes for any reason, including, but not limited to: identify any disallowed entry methods that will result in votes/entries being voided such as: multiple entries from the same user; multiple entries from the same computer beyond the number allowed by the 5 to Thrive Promotion rules; or the use of bots, macros, scripts, or other technical means for entering. Attempts by any entrant to deliberately damage any website or undermine the legitimate operation of the 5 to Thrive Promotion may be a violation of criminal and civil laws. If any such attempt is made, the Sponsor reserves the right to seek damages to the fullest extent permitted by law. 

11. Limitation of Liability: Your entry into this Promotion] constitutes Your agreement to release and hold harmless the Sponsor and its subsidiaries, representatives, affiliates, partners, advertising and promotion agencies, successors, agents, assigns, directors, employees, and officers against and from any and all claims, liability, illness, injury, death, litigation, loss, or damages that may occur, directly or indirectly from participation in the 5 to Thrive Promotion and/or the 1) Winner accepting, possessing, using, or misusing of any awarded prize or any portion thereof; 2) any type of technical failure; 3) the unavailability or inaccessibility of any transmissions, phone, or Internet service; 4) unauthorized intervention in any part of the entry process or the Promotion; 5) electronic error or human error in the Promotion administration or the processing of entries. 

 12. Disputes: THIS PROMOTION IS GOVERNED BY THE LAWS OF THE UNITED STATES AND ARIZONA, WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. The Entrant agrees, as a condition of participating in this promotion, that if any disputes cannot be resolved between the Entrant and the Sponsor, and if causes of action arise out of or are connected with this Promotion, they shall be individually resolved exclusively before a court located in California having jurisdiction, without resorting to any form of class action. Under no circumstances in any such dispute shall the participant be permitted to obtain awards for, and hereby waives all rights to, punitive, incidental, or consequential damages, including reasonable attorney’s fees, other than participant’s actual out-of-pocket expenses (i.e. costs associated with entering this Promotion). The participant waives all rights to have damages multiplied or increased. 

13. Privacy Policy: Information submitted with an entry is subject to the  NerdWallet, Inc. Privacy Policy. 

14. Winners List: You may obtain a copy of the Winner’s name(s) or a copy of these Official Rules, by sending your request via email to: [email protected].

16. By submitting your entry, You, the Entrant, have affirmatively reviewed, accepted, and agreed to all of the Official Rules.