Capital One People and Money Hackathon Official Rules


1. Eligibility: The Capital One People and Money Hackathon Contest (the “Contest”) is open only to contestants 18 years of age or older who are (a) a citizen or (b) resident alien of the United States. Employees of Capital One, N.A. or other companies associated with the promotion, execution or support of the Contest, as well as the immediate family (spouse, parents, siblings, and children) and household members of each such employee are not eligible. The Contest is subject to federal, state, and local laws and regulations and is void where prohibited by law.


2. Sponsor: The Contest is sponsored by Capital One, N.A., with a principal place of business at 1680 Capital One Drive, McLean, VA 22102, (the “Sponsor”).


3. Agreement to Official Rules: Participation in the Contest constitutes entrant’s full and unconditional agreement to and acceptance of these Official Rules and the decisions of the Sponsor, which are final and binding. Winning a prize is contingent upon fulfilling all requirements set forth herein.


4. Entry Period: The Contest begins at 6:00 P.M. PT on March 6, 2015, and ends at 3:00 P.M. PT on March 8, 2015, (the “Entry Period”). Entries submitted prior to or after the Entry Period will be disqualified.


5. How to Enter: Prior to the Entry Period, visit (the “Website”), complete the online entry form (the “Entry”) to gain entrance to the Hackathon event. Each contestant will receive one free ticket to attend the Capital One People and Money Hackathon in San Francisco, California on March 6 to 8, 2015. Hackathon contestants compete in teams. Contestants can recruit people to join a team or teams may be assigned at the Contest.


During the competition, each team will be asked to create a mobile or Web application that is sustainable on a laptop, tablet or Smartphone device (“Submission”). Additional specifications and details may be provided at Hackathon. Each team will have the opportunity to demonstrate their Submission and provide an oral presentation to the judges describing their Submission.


6. Requirements for Entries: Entries may not contain any copyrighted elements other than elements owned by the entrant. Any elements that appear in the Entry, including, without limitation, images, music, audio, speech, or other audiovisual materials used must be entirely original, created and performed by the entrant, or be in the public domain. Use of any elements that are not original or in the public domain will result in disqualification of an Entry, in the Sponsor’s sole discretion.


7. Entrant’s Representations: By submitting an Entry, you represent that (a) you are the creator of the Entry, (b) the Entry does not infringe the rights of any third party, (c) the Entry has not previously been entered in any other contest, and (d) the Entry has not been previously published in any medium.


8. Sponsor’s Rights to Entries: The team will retain ownership rights in the entry. Contestants acknowledge that Sponsor engages, has engaged and will in the future engage in the development, preparation, production, acquisition and dissemination of creative, educational, artistic and other material (collectively, the “Materials”), including without limitation Materials that are similar or identical to a Submission. Contestants also acknowledge that other persons, including employees of Sponsor, may previously have originated and may hereafter originate Materials that are similar or identical to a Submission. Contestants agree that they will not be entitled to any compensation because of the use by Sponsor of any such similar or identical material. Without limitation of the foregoing, Sponsor may use, without any payment or other obligation whatsoever to any contestant, any part of the Materials, and any idea or concept contained therein, that (a) is similar or identical to, or contains significant elements encompassed in, a concept that is under consideration or in development by Sponsor before or at the time of entry, (b) is not unique, novel, original, and concrete so as to be entitled to protection under applicable laws, (c) has been made public by anyone at the time of its submission to Sponsor or otherwise is in the public domain, (d) would be freely usable by a third person if it had not been accepted as a Submission or the subject of any agreement, (e) is not protected by United States copyright law, or (f) is similar or identical to, or contains significant elements encompassed in, an idea, concept or material that is independently created by Sponsor or any third party.


Contestants agree that Sponsor’s development, preparation, production, acquisition, dissemination and/or exploitation of Materials similar or identical to a Submission or containing features, ideas, material and/or elements similar to or identical with those contained in a Submission shall not entitle any contestant or team to any compensation or other right or remedy. As an inducement to Sponsor to accept each Submission for entry into the contest, contestants hereby waive any claim or right of action against Sponsor or its successors in connection with the Sponsor’s use of any Materials (or any portions thereof) whether or not such Materials are similar or identical to a Submission or contain any features, ideas, material and/or elements that are similar or identical to those contained in a Submission. Acceptance by Sponsor of a Submission is not an admission by Sponsor of the novelty or originality of the Submission.


9. Selection of Potential Winners: Submissions and oral presentation of Submission will be judged by a panel of judges based upon the following equally-weighed criteria for each category:

(1) Data Visualization: How does the solution help consumers visualize financial data, content, and behavior.

(2) Cross Channel Experience: How well does the product bring together a seamless experience across web, mobile and other devices.

(3) UI & UX How well thought out are the user experience and attention to UI in the solution.

In the event of a tie, the winning team will be determined by the judges based on the overall quality. Each member of a winning team, along with all Submissions, is subject to validation by Sponsor and/or the judging organization, whose decisions are final and binding in all respects. Each contestant and each member of a winning team may be required to sign and return, when requested, an affidavit of eligibility, a prize/publicity release, and an assignment of rights to a Submission. WINNERS MUST BE PRESENT TO ACCEPT PRIZE OR PRIZE WILL BE FORFEITED.


10. Requirements of Potential Winners: Except where prohibited, a potential winner will be required to complete and return an affidavit of eligibility and a release form (the “Affidavit/Release”) within seven (7) days of being notified. If a potential winner fails to sign and return the Affidavit/Release within the required time period, an alternate entrant will be selected in his/her place according to the Judging Criteria.


11. Category Prizes: There is an opportunity to win several cash prizes totaling up to $50,000 in accordance with the prize structure below:


Each challenge will receive prizes for first, second, and third place.

First Place: $12,000 x 2

First Place for Money for Millennials: $12K

First Place for Kicking the Fear of Finance: $12K


Second Place: $8,000 x 2

Second Place for Money for Millennials: $8K

Second Place for Kicking the Fear of Finance: $8K


Third Place: $5,000 x 2

Third Place for Money for Millennials: $5K

Third Place for Kicking the Fear of Finance: $5K


12. For all Prizes: Any prize details not specified above will be determined by the Sponsor in its sole discretion. Prizes are not transferable or refundable and must be accepted as awarded. No cash or other substitution may be made, except by the Sponsor, who reserves the right to substitute a prize (or component thereof) with another prize (or component thereof) of equal or greater value if the prize is not available for any reason as determined by the Sponsor in its sole discretion. The winner is responsible for any and all other costs and expenses not listed above including, but not limited to, wireless service and travel to events. Prizes will be reported as income to a winner and the winner will be responsible for all taxes associated with the receipt of a prize. ALL PRIZES OR ANY PRIZE COMPONENTS WILL BE AWARDED TO THE WINNING TEAM AS A WHOLE AND NOT TO EACH INDIVIDUAL MEMBER OF A WINNING TEAM. Sponsor is not responsible for any disputes among team members concerning prize or prize components.


13. Further Collaboration: Capital One reserves the right to enter into discussions and negotiations regarding collaboration beyond the Event with any and each of the Participants, and each Participant agrees that he/she/it will reasonably consider any request to enter into such discussion or negotiation.


14. General Conditions: In the event that the operation, security, or administration of the Contest is impaired in any way for any reason, including, but not limited to fraud, virus, or other technical problem, the Sponsor may, in its sole discretion, either: (a) suspend the Contest to address the impairment and then resume the Contest in a manner that best conforms to the spirit of these Official Rules; or (b) award the prize according to the Judging Criteria from among the eligible entries received up to the time of the impairment. The Sponsor reserves the right in its sole discretion to disqualify any individual it finds to be tampering with the entry process or the operation of the Contest or to be acting in violation of these Official Rules or in an unsportsmanlike or disruptive manner. Any attempt by any person to undermine the legitimate operation of the Contest may be a violation of criminal and civil law, and, should such an attempt be made, the Sponsor reserves the right to seek damages from any such person to the fullest extent permitted by law. The Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. In the event of a dispute as to any online entry, the authorized account holder of the e-mail address used to enter will be deemed to be the participant. The “authorized account holder” is the natural person who is assigned to an e-mail address by an Internet access provider, online service provider, or other organization responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address.


15. Release and Limitations of Liability: By participating in the Contest, entrants agree to release and hold harmless the Sponsor, its parent and related companies, and their respective officers, directors, employees, and agents (the “Released Parties”) from and against any claim or cause of action arising out of participation in the Contest or receipt or use of any prize, including, but not limited to: (a) unauthorized human intervention in the Contest; (b) technical errors related to computers, servers, providers, or telephone or network lines; (c) printing errors; (d) lost, late, postage-due, misdirected, or undeliverable mail; (e) errors in the administration of the Contest or the processing of entries; or (f) injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from entrant’s participation in the Contest or receipt of any prize. Entrant further agrees that in any cause of action, the Released Parties’ liability will be limited to the cost of entering and participating in the Contest, and in no event shall the Released Parties be liable for attorney’s fees. Entrant waives the right to claim any damages whatsoever, including, but not limited to, punitive, consequential, direct, or indirect damages.


16. Disputes: Except where prohibited, entrant agrees that any and all disputes, claims and causes of action arising out of, or connected with, the Contest or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in the State of Virginia. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, entrant’s rights and obligations, or the rights and obligations of the Sponsor in connection with the Contest, shall be governed by, and construed in accordance with, the laws of the State of Virginia, without giving effect to any choice of law or conflict of law rules (whether of the State of Virginia or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Virginia.


17. Contest Results: Winners may be announced by a Capital One press release and/or social media channels. Winners may also be asked to participate in media interviews.   Winners will also be posted at on or about March 9, 2015, available for a period of at least sixty (60) days.