(1) Participation is free of charge and only possible for persons resident in the Federal Republic of Germany.

(2) Only persons of legal age are eligible to participate. Minors must obtain the consent of their legal guardian before participating.

(3) A person takes part in the competition by marking the SCHUFA competition reel with "Like" and communicating their financial goal for 2025 via direct message to SCHUFA (e.g. building up retirement provisions, investing, etc.; no amounts are required!) In addition, the channels schufa_de and femance_finanzen must be followed. Participation in the competition is possible from 02.12.2024 from 10:00 am to 15.12.2024 at 11:59 pm.

(4) In order to participate in the competition, it is essential that all personal details are truthful.

There is no entitlement to participation.

(1) Employees of SCHUFA and any cooperation partners involved in the competition are excluded from participation.

(2) SCHUFA reserves the right to exclude persons from the competition in the event of a breach of these conditions of participation, in particular § 1 (4).

(3) Persons who use unauthorized aids or otherwise gain advantages through manipulation are also excluded. In such cases, prizes may also be subsequently disallowed and reclaimed. Participation via competition clubs and automated participation via competition robots is also excluded.

(1) The result of the draw will be announced on Monday, 16.12.2024. The draw will only take place among participants who have completed all the steps required to take part in the competition. The winners will be marked by SCHUFA in the prize draw story and notified by DM. By participating in the competition, the participant agrees that SCHUFA may publish his/her user profile in the story. Furthermore, by participating in the prize draw, the participant agrees that SCHUFA may transmit the participant's address provided by direct message to Femance Finanzen GmbH, Brabanter Str. 4, 80805 Munich, Germany, for the purpose of sending the prize. The prize will be sent by Femance Finanzen GmbH. By participating in the competition, the participant agrees to the method of sending the prize.

If the winner does not respond within four weeks of the notification being sent and informs SCHUFA of the address to which the prize is to be sent, the claim to the prize will be forfeited. The claim to the prize shall also be forfeited if the prize cannot be sent within three months of the first notification of the prize for reasons attributable to the winner.

(2) As part of the competition, participants can each win one of 10 copies of the paperback book "Money Kondo" by author Hava Misimi as a prize. If necessary, SCHUFA may select an item of medium type and quality equivalent to the item presented as a prize.

(3) Cash payment of prizes is excluded. The prizes are not transferable.

(4) All subsequent costs of the winnings are to be borne by the winner.

SCHUFA reserves the right to cancel or terminate the competition at any time without prior notice and without giving reasons. SCHUFA will make use of this option in particular if, for technical reasons (e.g. viruses in the computer system, manipulation or errors in the hardware and/or software) or for legal reasons, the proper execution of the competition cannot be guaranteed.

You can obtain information about the processing of your personal data due to your participation in the competition by accessing our data protection notice.

(1) SCHUFA shall be released from all obligations upon delivery of the prize by Femance Finanzen GmbH. SCHUFA shall not be liable for material defects and/or defects of title.

(2) SCHUFA shall only be liable for damages caused by SCHUFA or one of its vicarious agents intentionally or through gross negligence or through the breach of cardinal obligations. This shall not apply to damages caused by injury to life, limb and/or health. The aforementioned limitation of liability applies in particular to damages caused by errors, delays or interruptions in the transmission of data or similar, malfunctions of the technical systems or the service, incorrect content, loss or deletion of data, viruses.

(1) Legal recourse is excluded.

(2) The law of the Federal Republic of Germany shall apply exclusively, excluding the UN Convention on Contracts for the International Sale of Goods.

(3) Should any of these provisions be or become invalid, this shall not affect the validity of the remaining terms of use.

(4) These Terms of Use may be amended by SCHUFA at any time without separate notification.

This competition is not sponsored, supported or organized in any way by Instagram. Instagram is not responsible for any of the entries published as part of the competition. SCHUFA Holding AG indemnifies Instagram against any claims by third parties in relation to this competition.