Terms & Conditions


ELIGIBILITY: You must be a legal resident of the 50 United States (and Washington, DC). Void in all jurisdictions outside the United States and where prohibited by law. Do not proceed in this contest if you are not a legal resident of the United States, who is eighteen (18) years of age or older. Void where prohibited or restricted by law. Employees and their immediate families are not eligible to enter the contest. 

AGREEMENT TO OFFICIAL RULES: By entering the Scholarship Contest: (a) you accept and agree to these Official Rules as well as the decisions of Personal Money Network, (b) release and hold harmless Contest Entities and its respective agents, employees, officers, directors, successors and assigns, against any and all claims, injury or damage arising out of or relating to participation in this Contest and/or use or misuse or redemption of an award; and (c) acknowledge compliance with these

HOW TO ENTER: CONSUMER DISCLOSURE. NO PURCHASE OR PAYMENT NECESSARY. THE PERSONAL MONEY NETWORK SCHOLARSHIP IS OPEN TO ANY CITIZEN OR RESIDENT OF THE UNITED STATES, THE DISTRICT OF COLUMBIA, OR UNITED STATES TERRITORIES WHO IS A HIGH SCHOOL SENIOR OR CURRENT UNDERGRADUATE OR GRADUATE STUDENT THAT IS 18 YEARS OF AGE OR OLDER AND WHO IS ENROLLED IN A 2- OR 4- YEAR PUBLIC OR PRIVATE COLLEGE OR UNIVERSITY LOCATED IN THE UNITED STATES OR THE DISTRICT OF COLUMBIA. All other entries will be disqualified. Personal Money Network will grant the scholarship to the applicant we deem most qualified. Employees of Personal Money Network (“Sponsor”) and its divisions, affiliates, subsidiaries, promotional or marketing agencies and their immediate family members (spouse, children, parents and siblings) and persons living in family member homes are not eligible for the Achievement Award Scholarship. Scholarship applicants agree to allow the use of the submitted essay in any media, including the Internet, for any purpose whatsoever.

One entry per person. In the event PersonalMoneyNetwork determines that an individual has submitted more than one entry, said individual shall be immediately disqualified from this Contest and shall forfeit any right to receive the award under these Official Rules.

All entries submitted in accordance with these Official Rules shall be hereinafter referred to as “Eligible Entries.” In the event of a dispute over who submitted a winning entry, the authorized subscriber of the e-mail account account, as applicable, used to participate in the scholarship at the actual time of entry will be deemed to be the entrant and, if selected as a Winner, will be the sole recipient of the Prize. The authorized account subscriber is defined as the natural person who is assigned an e-mail account by a provider.

ENTRY PERIOD: The Contest starts July 30, 2019, and ends on July 29, 2020 at 9:00 p.m. Eastern Time.

PRIZE/ODDS OF WINNING: Prize is one (1) $500 check, one (1) prize will be awarded. Odds of winning depend on the number of eligible entries received during the Contest Period. 

WINNER SELECTION: One potential winner will be selected on or around August 5, 2020, from among all eligible entries received during the Contest Period.

Decision of the winner is based on review of entries and judged by three employees of PersonalMoneyNetwork The winner of the Contest will be contacted via email to be notified of the award. The winner will be responsible for responding to the message with appropriate information to claim the award prize. In the event a potential winner cannot be contacted for any reason, or if potential winner is determined to be ineligible or otherwise not in compliance with these Official Rules will result in disqualification of potential winner and prize forfeiture. If disqualified, an alternate winner may be selected from among all remaining eligible entries received. 

WINNERS VERIFICATION: The potential Winners must prove eligibility, including, without limitation, proof of age and residence within three (3) days if requested by PersonalMoneyNetwork for any reason.

WINNERS LIST: To request a winners list send a stamped, self-addressed envelope with a letter indicating your request to:
Scholarship – Personal Money Network
PO Box 632
Liberty Lake WA 99019

GENERAL TERMS. Neither PersonalMoneyNetwork or its respective affiliates, employees, contractors, and the like are responsible for incorrect or inaccurate transcription/capture/recordation of entries, bonus entries or entry information, or for any human or other error, technical malfunctions, lost/delayed data or voice transmission, omission, interruption, deletion, defect, line failures of any telephone network, computer equipment, software, inability to access any online service or website, or any other error or malfunction, or any injury or damage to participant’s or any other person’s computer or television related to or resulting from participation in this Contest. CAUTION: ANY ATTEMPT BY AN ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEBSITE, TAMPER WITH THE ENTRY PROCESS, OR OTHERWISE UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO COOPERATE IN THE PROSECUTION OF ANY SUCH INDIVIDUAL(S) AND TO PURSUE ALL REMEDIES TO THE FULLEST EXTENT PERMITTED BY LAW. Sponsor’s or Administrator’s failure to enforce any term of these Official Rules in a given instance shall not constitute a waiver of that provision. If for any reason the Contest is not capable of being executed as planned, or infection by computer virus, bugs, tampering, unauthorized intervention, fraud, action of Entrants, technical failures or any other causes which in the opinion of Administrator and/or Sponsor, corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Contest, Sponsor reserves the right at its sole discretion to disqualify any suspect entry (and/or the entrant responsible for same) and to cancel, terminate, modify or suspend the Contest (contingent upon Sponsor securing any governmental approval that may be required). 

RELEASES: By participating, entrants release and agree to hold harmless Sponsor, Administrator, their respective parent companies, affiliates, subsidiaries and agencies, as well as the directors, officers, agents, shareholders, representatives, employees, successors and assigns of any of the above organizations, from any and all liability for any claims, costs, injuries, losses or damages of any kind caused by their participation, including the unauthorized or illegal access to personally identifiable or sensitive information or the acceptance, possession, use, or misuse of the prize. 

USE OF CONTEST INFORMATION: Notwithstanding any contrary provision in any of Contest Providers’ respective privacy policies, Participants grant to Contest Providers, and Contest Providers reserve, the right to use any and all information related to the Contest, including information provided by Participants in connection with the Contest, for marketing purposes or any other purpose, unless prohibited by law. This promotion is in no way sponsored, endorsed or administered by, or associated with, any specific university or college. You are providing your information to PersonalMoneyNetwork and not to any university or college. The information you provide will only be used for marketing purposes by PersonalMoneyNetwork.

GOVERNING LAW. These Official Rules shall be governed by the laws of the State of Delaware without regard to conflict of law provisions contained therein. This Contest is subject to all federal, state, and local laws and regulations and is void where prohibited by law.


PRIVACY: Personal information of entrants will be used to conduct the prize drawings and to enable the prizes to be sent out. We will not share your personally identifying information (Name and Contact Information) with any third parties. You agree to the processing of personal information about you for the purposes and in the manner set out above, including the disclosures of such information or transfer of it to jurisdictions which may not provide the same legal protection as in your country of residence.


Personal Money Network
1000 N. West Street, Ste 200
Wilmington, DE 19801

Personal Money Network
PO Box 632
Liberty Lake, WA 99019