Cheddar Competition Terms and Conditions
Updated 21st November 2022
Refer Friends Specific Competition Rules
Enter by sharing your referral code (or link) from within the Cheddar app.
You’ll receive 1 entry for every user account that’s successfully created and that redeems your referral code.
Referral codes can be redeemed:
Automatically, if not asked in the sign up flow. In this case, our automated referral mechanism has worked by pasting the referral code into the account creation flow, and therefore a referral code page will not be shown in the account creation flow. Or;
Manually, if asked in the sign up flow. This will occur if the copied referral code isn’t successfully pasted automatically in the sign up flow.
An account is considered created once a valid bank account has been linked, a PIN code created, and the account is available to send and receive payments.
Competition prizes will be outlined via Cheddar’s in app support article ‘referral competition’. This can be accessed in app by navigating to profile > support > General > Competitions & Referrals > Referral competition. Or online by clicking this link.
Competition prizes will be announced earliest Friday each week, and latest Sunday.
Winners will be selected from a snapshot of entries taken at 3pm each Friday, and winners will be paid before 3pm the following Friday.
There are unlimited entries and entries roll over each week.
If your entry wins, this will be removed from the list of entries for the remainder of the prize draw that week, but will be re-added for the following week.
‘Completed’ will be added to the title of each competition to highlight all winners have been paid.
There are two ways you can win:
If your entry is picked as a result of you referring someone (referrer). In this case, you’ll win a prize.
If your entry is picked as a result of you signing up using a referral code (referee). In this case, you’ll win a prize.
The total number of prizes or the total sum of the value of prizes will be outlined for each weekly competition, and will be limited in any case to a maximum of £1,000.
No purchase necessary to enter or win a prize in this competition. Purchases will not increase your chances of winning.
Void where prohibited by law.
Where any additional competition rules are added, these will be highlighted on the weekly competition summary on instagram or twitter.
TO VIEW COMPETITION PRIZES, A CHEDDAR ACCOUNT AND INTERNET CONNECTION ARE REQUIRED.
TO VIEW COMPETITION PRIZES AND WINNERS, AN INSTAGRAM ACCOUNT, CHEDDAR ACCOUNT AND INTERNET CONNECTION ARE REQUIRED.BY ENTERING THE COMPETITION YOU AGREE TO THESE OFFICIAL RULES, WHICH ARE A CONTRACT, SO PLEASE READ THEM CAREFULLY BEFORE ENTERING. WITHOUT LIMITATION, THIS CONTRACT INCLUDES INDEMNITIES TO THE SPONSOR FROM YOU AND A LIMITATION OF YOUR RIGHTS AND REMEDIES. GENERAL COMPETITION TERMS AND CONDITIONS
Cheddar Competitions (“Competition”) are sponsored by Cheddar Payments Limited, 71-75 Shelton Street, London, WC2H 9JQ, United Kingdom (“Sponsor” or “Cheddar”).
Cheddar Competitions are open only to legal residents of the United Kingdom who are at least sixteen (16) years of age on the date of entry and who have a Cheddar account. Employees, officers, directors, members, managers, agents, and representatives and family members of such individuals (or people living in the same household whether related or not) of Sponsor, or their corporate partners, parent companies, divisions, subsidiaries, affiliates, successors in interest, advertising, promotion, and public relations agencies (collectively, the “CompetitionEntities”) are not eligible. For the purposes of the Competition family members are defined as spouse, partner, mother, father, legal guardian, in-laws, grandmother, grandfather, brother, sister, children and grandchildren (including “step” as they may apply).
3. Competition Period:
The “Competition Period” will be explicitly outlined in the Competition rules for each Competition that Cheddar runs. The competition rules for individual competitions will be shared by but not limited to; ‘referral competition’ in support, online here, email or on the Cheddar website. Prize winners will be selected after the closing date of the Competition Period, or at intervals as outlined in the Competition Rules if different.
4. How to Enter:
NOTE ABOUT SOCIAL MEDIA (INSTAGRAM AND TWITTER):
Competition Entities are not responsible for any changes or unavailability of the Instagram or Twitter service that may interfere with the Competition (including any limitations, any restrictions, or any conditions on Sponsor’s ability to use Twitter or Instagram for the Competition as set forth herein that are not acceptable to Sponsor) or ability of entrant to timely enter, receive notices or communicate with Sponsor via instagram or Twitter, in which case Sponsor, in its sole discretion, may terminate or modify the Competition. It is a potential winner’s responsibility to set his/her Social Media Account as applicable, to accept contacts by Sponsor and to timely check such account for any Sponsor direct messages.
5. Winners Selection:
Prize Winners will be chosen at random. Your odds of winning depend on the number of eligible Entries received. Any additional rules will be found in the Competition specific announcement.
6. Winner Notification:
The Prize Winners will be notified via email or call from Cheddar, or a direct message from @Cheddarpay via social media (a “Winner Notification”).If any Winner Notification or other Competition communication is rejected or returned as undeliverable, if a potential Winner cannot be reached after a reasonable attempt has been made by Sponsor (as determined by Sponsor in its sole discretion), if a Winner cannot attend or participate in any portion of the applicable Prize, or if the potential Winner fails to respond to a Winner Notification and/or to complete the Entry within the time periods set forth herein, the prize will be forfeited in Sponsor’s sole discretion and an alternate winner may be selected (time permitting) based on the original method of winner selection in Sponsor’s sole discretion. Sponsor may only look to five (5) alternate winners for the applicable Prize, at which point the applicable Prize may be deemed unclaimed and Sponsor will have no further obligation with respect to such Prize. Sponsor reserves the right to modify the notification procedures in connection with the selection of any alternate potential Winner. If legitimately claimed in compliance with these Official Rules, the Prize will be awarded. To claim a Prize, a Winner must follow the directions in his or her Winner Notification.
Prize value will be outlined on individual Competition rules.The Prize Winners will be sent their prize via the Cheddar app for cash prizes, via email, SMS or social from @cheddarpay for digitally redeemable prizes, or to the address they provide in their Entry for physical prizes. Shipping and delivery method in Sponsor's sole discretion, and physical prizes may also be collected from our operating office: 2 Television Centre, 101 Wood Lane, London, W12 7FR.
All Prize details will be specified in the Competition announcement. Any rules not specified in these Official Rules will be determined in Sponsor’s sole discretion. Sponsor is not responsible for and will not replace any lost or stolen Prize or any Prize that is undeliverable or does not reach the Prize Winner because of incorrect or changed contact information. If the Prize Winner does not accept or use the entire Prize, the unaccepted or unused part of the Prize will be forfeited and Sponsor will have no further obligation with respect to that Prize or portion of the Prize. Sponsor is not responsible for any inability of the Prize Winner to accept or use any Prize (or portion thereof) for any reason. No transfers or prize substitutions will be made, except at Sponsor’s sole discretion. No more than the stated prizes will be awarded. Participants waive the right to assert as a cost of winning any Prize, any and all costs of verification and redemption or travel to claim or use a Prize and any liability and publicity which might arise from claiming, seeking to claim, or using a Prize.
8. Licenses and Approvals:
Entrants may not submit an Entry on behalf of someone else. By submitting an Entry, Entrant represents and warrants that Entrant meets all eligibility criteria for participation in the Competition. In addition, by submitting an Entry in this Competition, Entrant grants the Competition Entities an irrevocable, perpetual, non-exclusive worldwide license to publish, post, display, copy, distribute, transmit, edit, use alone, together or with other works, and otherwise exploit the Entry, Entrants name, voice, persona, likeness, image, prize information, any quotes attributable to Entrant, biographical data and any other indicia of persona in any manner whatsoever throughout the world, including on the Internet, and at any time or times, in connection with the competition, in any and all forms of media, now known or hereafter discovered, without additional compensation, review or approval rights, notification or permission, except where prohibited by law, and Entrant releases all Releasees from any and all liability related thereto. ENTRANT FURTHER ACKNOWLEDGES THAT IF ENTRANT IS CHOSEN AS A WINNER, ENTRANTS IDENTIFYING INFORMATION, INCLUDING BUT NOT LIMITED TO ENTRANTS NAME, MAY BE DISCLOSED TO THIRD PARTIES INCLUDING, WITHOUT LIMITATION, BEING PLACED ON A WINNERS’ LIST.
9. Limitation of Liability:
The Releasees (as defined below) are not responsible or liable for any of the following: (a) stolen, lost, late, misdirected, garbled, mutilated, damaged, incomplete, inaccurate, or illegible Entries, e-mail, mail, Competition-related correspondence or postage-due mail or any technical, computer, mechanical, printing, typographical, human or other errors relating to or in connection with the Competition, including, without limitation, errors which may occur in connection with the administration of the Competition, the mailing or transmission of notification or correspondence, the processing of Entries, the announcement of any prize or in any Competition related materials; (b) technical failures of any kind; (c) unauthorised human and/or mechanical intervention; (d) human error; (e) any error, omission, interruption, defect or delay in transmission or communication; (f) viruses or mechanical malfunctions; (g) errors, typos, or misprints in these Official Rules, in any Competition related advertisements or other materials; or (h) lost or unavailable network connections. Sponsor is not responsible for electronic communications that are undeliverable as a result of any form of filtering or insufficient space in Entrant’s e-mail account. Sponsor is not responsible, and may disqualify Entrant, if his or her e-mail address, telephone, or other contact information does not work or if it is changed without Entrant giving prior written notice to Sponsor. If for any reason an Entry is confirmed to have been erroneously deleted, lost or otherwise destroyed, corrupted or for any other reason not accepted as an entry into the Competition, Entrant’s sole remedy is another Entry in the Competition
AS A CONDITION OF PARTICIPATING IN THIS COMPETITION, EACH ENTRANT AGREES TO RELEASE, INDEMNIFY AND HOLD HARMLESS SPONSOR, COMPETITION ENTITIES, AND EACH OF THEIR RESPECTIVE PARENT COMPANIES, SUBSIDIARIES, AFFILIATES, DIVISIONS AND ADVERTISING, AND PUBLIC RELATIONS AGENCIES, AND EACH OF THEIR RESPECTIVE AGENTS, REPRESENTATIVES, OFFICERS, DIRECTORS, MEMBERS, SHAREHOLDERS AND EMPLOYEES (COLLECTIVELY, “RELEASEES”) FROM AND AGAINST ANY LIABILITY WHATSOEVER FOR INJURIES OR DAMAGES OF ANY KIND SUSTAINED IN CONNECTION WITH THE USE, ACCEPTANCE, POSSESSION, MISUSE OR AWARDING OF ANY PRIZE, WHILE PREPARING FOR, PARTICIPATING IN AND/OR TRAVELING TO OR FROM ANY COMPETITION OR PRIZE RELATED ACTIVITY, INCLUDING, WITHOUT LIMITATION, ANY INJURY, DAMAGE, DEATH, LOSS, OR ACCIDENT TO PERSON OR PROPERTY. EACH WINNER AGREES THAT THE PRIZE IS PROVIDED AS-IS WITHOUT ANY WARRANTY, REPRESENTATION OR GUARANTEE, EXPRESS OR IMPLIED, IN FACT OR IN LAW, WHETHER NOW KNOWN OR HEREINAFTER ENACTED, RELATIVE TO THE USE OR ENJOYMENT OF THE PRIZE. FURTHER, THE RELEASEES ARE NOT RESPONSIBLE IN ANY WAY FOR ANY ADDITIONAL EXPENSES, OMISSIONS, DELAYS, OR RE-ROUTING RESULTING FROM ANY ACTS OF ANY GOVERNMENT OR AUTHORITY.
10. Additional Disclaimers:
Without limiting any other provision in these Official Rules, Releasees are not responsible or liable to any entrant or Prize Winner or any person claiming through such entrant or Winner for failure to supply the prize or any part thereof in the event that any of the Competition activities or the Releasees’ operations or activities are affected, as determined by the Sponsor in its sole discretion, including, without limitation, by reason of any acts of God, any action, regulation, equipment failure, threatened terrorist acts, terrorist acts, air raid, blackout, act of public enemy, earthquake, war, fire, flood, epidemic, explosion, unusually severe weather, hurricane, embargo, labor dispute or strike labor or material shortage, transportation interruption of any kind, civil disturbance, insurrection, riot, or any law, rule, regulation, order or other action adopted or taken by any governmental, federal, state or local government authority, or any other cause, whether or not specifically mentioned above.
11. Disputes and Governing Law:
BY PARTICIPATING IN THE COMPETITION, EACH ENTRANT AGREES THAT TO THE EXTENT PERMITTED BY APPLICABLE LAW: (1) ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION THAT CANNOT BE RESOLVED BETWEEN ENTRANT AND ANY RELEASEE ARISING OUT OF OR CONNECTED WITH THE COMPETITION OR ANY PRIZE AWARDED, WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF LEGAL ACTION; Any dispute arising under or related hereto (whether for breach of contract, tortious conduct or otherwise) will be governed by the laws of the United Kingdom.
12. General Rules:
Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. Sponsor’s decisions will be final in all matters relating to the Competition, Sponsor reserves the right to restrict or void online Entries or participation from any IP address if any suspicious Entry and/or participation is detected. Sponsor reserves the right, in its sole discretion, to void Entries of any Entrants who Sponsor believes has attempted to tamper with or impair the administration, security, fairness or proper play of the Competition. In the event there is an alleged or actual ambiguity, discrepancy or inconsistency between disclosures or other statements contained in any Competition-related materials and/or these Official Rules (including any alleged discrepancy or inconsistency in these Official Rules), it will be resolved in Sponsor’s sole discretion. Entrants waive any right to claim ambiguity in the Competition or these Official Rules. If Sponsor determines at any time in its sole discretion that Entrant is disqualified, ineligible, or in violation of these Official Rules, or engaging in behavior that Sponsor deems obnoxious, inappropriate, threatening, illegal or that is intended to annoy, abuse, threaten or harass any other person, Sponsor reserves the right in its sole discretion to select an alternate winner. The invalidity or unenforceability of any provision of these Official Rules will not affect the validity or enforceability of any other provision. If the Competition is not capable of running as planned for any reason, Sponsor reserves the right, in its sole discretion, to cancel, modify or suspend the Competition and award the prize from eligible entries received prior to cancellation, modification, or suspension or as otherwise deemed fair and appropriate by Sponsor. In the event of a dispute concerning who submitted an Entry, the participant will be declared to be the registered account holder of the Cheddar app or Social Media Account as applicable, of record for the account submitting an Entry during the Competition Period, but only if that person meets all other eligibility criteria, otherwise the Entry may be disqualified and any potential Prize won will be forfeited in Sponsor’s sole discretion. Each potential Winner may be required to provide Sponsor with proof that he or she is the authorised account holder. If a dispute cannot be resolved to Sponsor’s satisfaction, the Entry and individual(s) may be deemed ineligible in Sponsor’s sole discretion Any damage made to the Website will be the responsibility of the registered account holder of the e-mail address for the Social Media Account, as applicable, submitted at the time of entry.
CAUTION: ANY ATTEMPT TO DAMAGE ANY ONLINE SERVICE OR WEB SITE OR UNDERMINE THE LEGITIMATE OPERATIONS OF THE COMPETITION VIOLATES CRIMINAL AND CIVIL LAWS. IF SUCH AN ATTEMPT IS MADE, SPONSOR MAY SEEK DAMAGES TO THE FULLEST EXTENT PERMITTED BY LAW AND MAY DISQUALIFY ANY PARTICIPANT MAKING SUCH ATTEMPT.
13. Official Rules and Winner List: For a copy of these Official Rules or a list of winners, send a self-addressed, stamped, A4 business envelope to
ATTN: Official Rules (or “Winner’s List”) Request, Cheddar Payments Limited, Soho Works, 2 Television Centre, 101 Wood Lane, London, W12 7FR.
Rules requests must be received no later than one month after the end of the Competition Period and winner’s list request must be received within three (3) months of the end of the Competition Period.