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

(2) Persons of legal age are eligible to participate.

(3) A person enters the competition by following the SCHUFA Instagram account. In addition, participants are required to send monthly updates in the form of photos of the "savings overview" provided to the e-mail address provided. These photos should document the progress and use of the savings overview. By sending these updates, participants automatically agree to the conditions of participation and confirm their active participation in the competition.

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

(5) Participation in the competition is possible from 02.01.2024, time of posting, until 20.12.2024, 23:59. The draw and announcement of the winner will take place on Saturday, 28.12.2024.

(6) There is no entitlement to participation.

(1) Employees of SCHUFA, any cooperation partners involved in the competition and their relatives 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 once on 28.12.2024. The draw will only take place among participants who have completed all the steps necessary to participate in the competition. The winners will be marked by SCHUFA in the prize draw story and notified via DM on Instagram. By participating in the competition, the participant agrees that SCHUFA may publish their user profile and the exact name of their desired prize in the story. If the winner does not contact SCHUFA 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 will 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) The item presented as a prize in the competition is not necessarily identical to the item won. Rather, there may be deviations in terms of model, color, etc. SCHUFA may select an item of medium type and quality that is equivalent to the item presented as a prize.

(3) The prices are sent by parcel service or post exclusively within the Federal Republic of Germany. Delivery is free of charge. The place of performance shall remain the registered office of SCHUFA despite assumption of the shipping costs.

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

(5) 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 as a result of participating in the competition by accessing our data protection notice for the savings challenge competition.

(1) SCHUFA shall be released from all obligations upon delivery of the prize. No liability is assumed 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 in any way sponsored, supported or organized 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.