Official Rules

Copyright 2020 Lampo Group, LLC, all rights reserved.

1. Who Is Eligible: You must be a legal resident of one of the 50 United States or the District of Columbia, and at least 21 years of age. United States and Tennessee laws will govern the SmartDollar® $5,000 Cash Sweepstakes (the “Sweepstakes”). NO PURCHASE NECESSARY. Product purchases or other interactions with The Lampo Group, LLC (“Lampo”) will not increase your chances of winning. VOID WHERE PROHIBITED BY LAW. See more details below regarding eligibility restrictions.

2. Who Is Not Eligible: (i) Executives, owners and employees of Lampo or of radio stations carrying The Dave Ramsey Show; (ii) Endorsed Local Providers or other vendors of Lampo; (iii) persons working on this Sweepstakes at any level in any capacity or working for any outside companies or agencies involved in this Sweepstakes; and (iv) immediate family members of anyone who falls into any of these preceding categories are not eligible. Immediate family members are defined as spouses, children and parents of an individual.

3. How to Enter: The Sweepstakes may be entered online. All entries will be treated equally. Enter this Sweepstakes by logging into your SmartDollar® account at and by earning a SmartDollar Point any time during the Sweepstakes period. Limit one (1) entry per person per day of the Sweepstakes period.  Entrants may submit a total of 30 entries during the Sweepstakes period (1 entry per day for 30 days).

4. Entry Periods and Weekly Prizes: There will be four (4) entry periods and entries will be accepted during the times set forth below (“Entry Periods”):

5. Selection of Winner:  On the Draw Date of each Entry Period, eligible Sweepstakes entrants will be entered into a random drawing. One (1) entry will be randomly drawn via Microsoft Excel. The first eligible entrant drawn on each Draw Date will win $1,500, $3,000, $500, and $5,000, respectively. Odds of winning will depend upon the number of eligible entries. If the Prize is forfeited or winners do not claim the Prizes, Lampo may, but is not required to, draw an alternate winner.  The winner will be drawn as soon as practicable after the close of the applicable Entry Period. Decisions of the judges are final and binding.

6. Necessary Availability: Unless otherwise stated herein or prohibited by applicable law, any entrant who is selected as a winner will be contacted via email by a Lampo team member. If any prize e-mail notification is not answered within two (2) business days or returned as undeliverable; or if potential winner and his/her guest are unavailable; or if a potential winner is disqualified or otherwise determined to be ineligible or declines to accept the prize for any reason; or if a potential winner otherwise refuses or fails to comply with the Winner's Obligations listed below; the prize will be forfeited, and an alternate potential winner may be selected from the remaining eligible entries received. Only one (1) alternate potential winner will be drawn for a weekly prize, and if that alternative winner does not claim the prize or is disqualified, the prize will remain un-awarded. The winning entrants who are successfully contacted by email must also be willing to have their name and prize amount listed should Lampo request this as part of the winner's announcement, unless prohibited by law. By entering, you grant us the right to use and publish your name, city and state of residence online, in print, email, and any other media in connection with this year's Sweepstakes but not as an endorsement of any business or service.

7. Winner Obligations: The Prize winner is required to execute an affidavit of eligibility as well as a Lampo liability release. The winner will also be required to show proof of enrollment if the Prize is being paid directly to the institution. Noncompliance within these obligations may result in disqualification and selection of an alternate winner. Return of the Prize or Prize notification as undeliverable may result in disqualification and selection of an alternate winner. Unless prohibited by law, the winner grants to The Lampo Group, LLC the right to use and publish their names and appropriate images in print, and in any other media in connection with this Sweepstakes, for advertising and promotional purposes (not as an endorsement of any product or service) without additional compensation. The winner must sign and return an appropriate IRS form, if applicable, before receiving the Prize. Winners must satisfy all obligations within seven (7) business days of notice of winning.

8. Incomplete or Multiple Entries: One entry per person per day. Multiple automated entries, entries submitted by others on your behalf, or entries submitted by you using different identities or addresses will be considered fraudulent, rendering you ineligible for the Prize. Incomplete entries will not be eligible to win.   

9. Cumulative Prize Value: The total value of the four (4) Sweepstakes Prizes is $10,000.00 USD.   

10. Entries Not Received: Lampo is not responsible for lost, late or misdirected entries or for any computer, online, telephone or technical malfunctions that may occur. All entries become the property of Lampo and will not be returned. Neither product purchases nor email or mobile opt-ins will increase an individual's chances of winning.   

11. Taxes: All taxes on the Prize are the responsibility of the Prize winner. The winners must sign required IRS forms before receiving the Prize. Pursuant to IRS Circular 230, neither these Rules nor any other communication regarding this Sweepstakes is for the purpose of helping you avoid any penalties that may be imposed by federal tax law, and no affected taxpayer may use this Sweepstakes or its Rules in that manner.

12. Entrant's Agreement: By entering, you agree to abide by the terms of these official Rules and by the decisions we make regarding this Sweepstakes, which are final and binding on all matters. If you do not agree to that, please do not enter.   

13. Announcing Winners: Winners will be contacted on September 7, September 14, September 21, and October 1 2020 and announced on or after October 1, 2020. Winners will be notified of their winnings via the email address and contact information associated with their SmartDollar account. 

14. Signing Documents: If you win, you will be required to sign an affidavit of eligibility and a release before you receive your Prize. If you decide you would rather not sign the release, you will not receive your Prize.

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

16. Termination of Sweepstakes: Lampo reserves the right, at our sole discretion, to disqualify anyone who tampers with the entry process, and to cancel, terminate, modify or suspend the Sweepstakes if anything required for its conduct should malfunction or be deemed illegal. Should this Sweepstakes be terminated prior to the end of any Entry Period, which we may do at our sole discretion, a notice will be posted on   

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

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

19. Winner’s List: To learn who won, send a self-addressed, stamped envelope to The Lampo Group, LLC, Attn. SmartDollar® $5,000 Cash Sweepstakes, 1011 Reams Fleming Boulevard, Franklin, TN 37064. Requests received later than thirty (30) days following the last drawing date will not be filled.   

20. The Sponsor: This Sweepstakes is sponsored and administered by The Lampo Group, LLC, 1011 Reams Fleming Blvd. Franklin, TN 37064.

21. Privacy: Any personal information submitted in this Giveaway is for the purpose of administering this Giveaway. No personally identifiable information collected shall be resold or otherwise shared with third parties for marketing or sales purposes. For more information on our privacy policy and security practices applicable to this Sweepstakes, please see the privacy policy found at

22. Rights Claimed: This Giveaway and these Rules are Copyright 2020 by Lampo Group, LLC, and all rights are reserved. All rights to our trademarks and trade names owned by Lampo Group, LLC, and its affiliates, are likewise reserved.