The FitBUX Score FAQ

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The FitBUX Score

The FitBUX Score is a number between 0 and 1,000. It summarizes your current financial health in an easy to understand number. Your FitBUX Score, based on our proprietary algorithm, uses factors such as personal achievements, past and current earnings, as well as earnings potential. It takes an individual’s past, present, and future into account. We consider the ENTIRE YOU.

Is the FitBUX Score a credit score?

No, it is much more than a credit score.

Traditional credit scores mostly assess an individual’s history to make decisions which will impact this individual’s future, sometimes for many many years: have you paid your bills on time over the last n years? What is your average credit card balance? This means decisions are made looking in the rearview mirror only.

With the FitBUX Score, we’re incorporating not just historical data but also information about your education, profession, and other Human Capital variables to forecast your overall potential and what it means for your financial health today and in the future.

The FitBUX Score helps individuals make critical decisions looking at the past, present, and future. That’s a big deal.

How is my FitBUX Score updated over time?

See your FitBUX Score change by updating your profile with your latest information and monitor your overall financial health over time. We encourage you to update your profile to reflect changes in educational attainment, professions and income, when you pay off your debts, and as you build assets. Monitor your FitBUX Score over time on your Dashboard and see how you compare to others.

What is Human Capital and why is it important?

Human Capital is defined as “the collective skills, knowledge, or other intangible assets of individuals that can be used to create economic value for the individuals, their employers, or their community”. Human Capital is a very valuable asset when considering one’s overall financial picture. However, it’s largely ignored financial by institutions. By taking into account one’s Human Capital, we’ve created the first truly complete financial profile, The FitBUX Financial Profile, summarized by the FitBUX Score.

FitBUX, Inc. is helping Young Professionals manage and eliminate over $850 million in student loan debt. We're on a mission to help everyone manage their money smarter!

Resources

Student Loan Payoff Solution

Student Loan Forgiveness Solution

Student Loan Refinance Solution

Company

Legal

Statement Of Electronic Disclosure

FitBUX Student Loan Refinance Giveaway – OFFICIAL RULES

NO PURCHASE NECESSARY TO ENTER OR WIN. MAKING A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED OR RESTRICTED BY LAW.

1. PROMOTION DESCRIPTION: The FitBUX Student Loan Refinance Giveaway(\”Giveaway\”) begins on January 1st, 2019 and ends on 12/31/2019 at midnight (the \”Promotion Period\”).

The sponsor of this Giveaway is FitBUX Services LLC. (“Sponsor”). By participating in the Giveaway, each Entrant unconditionally accepts and agrees to comply with and abide by these Official Rules and the decisions of Sponsor, which shall be final and binding in all respects. Sponsor is responsible for the collection, submission or processing of Entries and the overall administration of the Giveaway. Entrants should look solely to Sponsor with any questions, comments or problems related to the Giveaway. Sponsor may be reached by email at info@fitbux.com during the Promotion Period.

2. ELIGIBILITY: Open to legal residents of The United States of America who are 18 or older. (the \”Entrant\”). Sponsor, and their respective parents, subsidiaries, affiliates, distributors, retailers, sales representatives, advertising and promotion agencies and each of their respective officers, directors and employees (the \”Promotion Entities\”), are ineligible to enter the Giveaway or win a prize. Household Members and Immediate Family Members of such individuals are also not eligible to enter or win. “Household Members” shall mean those people who share the same residence at least three months a year. “Immediate Family Members” shall mean parents, step-parents, legal guardians, children, step-children, siblings, step-siblings, or spouses. This Giveaway is subject to all applicable federal, state and local laws and regulations and is void where prohibited or restricted by law.

3. PRIZES:

Grand Prize: $25,000 will be given to 1 winner. 1 winner will be chosen every time FitBUX Services LLC has 500 Members refinance their student loans with one of the seven FitBUX Services LLC lending partners (seven lending partners referred to herein as “Refinance Partners”).

The seven Refinance Partners are: Commonbond, Inc., Social Finance (SoFi), Inc., Earnest, Inc., Thrivent, Inc., Laurel Road, Inc., Lendkey, Inc., and Splash Financial, Inc. These seven lenders may be subject to change throughout the Promotion Period.

To qualify, each Entrant must use the links provided on the Sponsors website. If an Entrant does not access the Refinance Partners application pages from the Sponsor’s website then the Entrant does not qualify to win the Grand Prize.

Only one prize per person and per household will be awarded. Prizes cannot be transferred or substituted by winner. Sponsor reserves the right in its sole and absolute discretion to award a substitute prize of equal or greater value if a prize described in these Official Rules is unavailable or cannot be awarded, in whole or in part, for any reason.

This Giveaway is open to legal residents of The United States of America and Prize will only be awarded and/or delivered to addresses within said locations. All federal, state and/or local taxes, fees, and surcharges are the sole responsibility of the prize winner. Failure to comply with the Official Rules will result in forfeiture of the prize.

4. HOW TO ENTER: Enter the Giveaway during the Promotion Period online by visiting the entry form, which can be found on the following website at https://www.fitbux.com/student-loan-refinance-giveaway/.

Automated or robotic Entries submitted by individuals or organizations will be disqualified. Internet entry must be made by the Entrant. Any attempt by Entrant to obtain more than the stated number of Entries by using multiple/different email addresses, identities, registrations, logins or any other methods, including, but not limited to, commercial contest/Giveaway subscription notification and/or entering services, will void Entrant’s Entries and that Entrant may be disqualified. Final eligibility for the award of any prize is subject to eligibility verification as set forth below. All Entries must be posted by the end of the Promotion Period in order to participate. Sponsor’s database clock will be the official timekeeper for this Giveaway.

To qualify for the $25,000 Grand Prize Giveaway, the Entrant must have completed a student loan refinance with one of the Sponsors’ Refinance Partners by the end of the Promotion Period. Each Entrant will receive one entry into this Giveaway and one winner will be selected each time the Sponsor has 500 Entrants that complete a student loan refinance with one of the Sponsors student loan refinance partners. The Entrant must have also completed a profile at https://www.fitbux.com and used the links within their profiles to access the Sponsors’ Refinance Partners website and student loan application pages.

5. WINNER SELECTION: The Winner(s) of the Giveaway will be selected in a random drawing from among all eligible Entries received throughout the Promotion Period. The random drawing will be conducted each time the Sponsor has 500 Members refinance their student loans using one of the Sponsors’ Refinance Partners during the Promotion Period by Sponsor or its designated representatives, whose decisions are final. Odds of winning will vary depending on the number of eligible Entries received. If 500 Members do not refinance their student loans using one of the Sponsor’s Refinance Partners then the Giveaway will be canceled.

6. WINNER NOTIFICATION: Winner will be notified by email at the email address provided in the Entry Information approximately within twenty-four hours after the random drawing. Potential Winner must accept a prize by email as directed by Sponsor within five days of notification. Sponsor is not responsible for any delay or failure to receive notification for any reason, including inactive email account(s), technical difficulties associated therewith, or Winner’s failure to adequately monitor any email account.

Any winner notification not responded to or returned as undeliverable may result in prize forfeiture. The potential prize winner may be required to sign and return an affidavit of eligibility and release of liability, and a Publicity Release (collectively \”the Prize Claim Documents\”). No substitution or transfer of a prize is permitted except by Sponsor.

7. PRIVACY: Any personal information supplied by you will be subject to the privacy policy of the Sponsor posted at https://www.fitbux.com/privacy-policy/. By entering the Giveaway, you grant Sponsor permission to share your email address and any other personally identifiable information with the other Giveaway Entities for the purpose of administration and prize fulfillment, including use in a publicly available Winners list.

8. LIMITATION OF LIABILITY: Sponsor assumes no responsibility or liability for (a) any incorrect or inaccurate entry information, or for any faulty or failed electronic data transmissions; (b) any unauthorized access to, or theft, destruction or alteration of entries at any point in the operation of this Giveaway; (c) any technical malfunction, failure, error, omission, interruption, deletion, defect, delay in operation or communications line failure, regardless of cause, with regard to any equipment, systems, networks, lines, satellites, servers, camera, computers or providers utilized in any aspect of the operation of the Giveaway; (d) inaccessibility or unavailability of any network or wireless service, the Internet or website or any combination thereof; (e) suspended or discontinued Internet, wireless or landline phone service; or (f) any injury or damage to participant’s or to any other person’s computer or mobile device which may be related to or resulting from any attempt to participate in the Giveaway or download of any materials in the Giveaway.

If, for any reason, the Giveaway is not capable of running as planned for reasons which may include without limitation, infection by computer virus, tampering, unauthorized intervention, fraud, technical failures, or any other causes which may corrupt or affect the administration, security, fairness, integrity or proper conduct of this Giveaway, the Sponsor reserves the right at its sole discretion to cancel, terminate, modify or suspend the Giveaway in whole or in part. In such event, Sponsor shall immediately suspend all drawings and prize awards, and Sponsor reserves the right to award any remaining prizes (up to the total ARV as set forth in these Official Rules) in a manner deemed fair and equitable by Sponsor. Sponsor and Released Parties shall not have any further liability to any participant in connection with the Giveaway.

9. WINNER LIST/OFFICIAL RULES: To obtain a copy of the Winner List or a copy of these Official Rules, send your request along with a stamped, self-addressed envelope info@fitbux.com. The winner list will be available after winner confirmation is complete.