USA Waitlist Terms and Conditions

Version: 1.0 - August 1, 2021

¹Terms and Conditions - Waitlist Referral Program V2 


NO PURCHASE IS NECESSARY TO ENTER OR WIN.  PURCHASING PRODUCTS OR SERVICES FROM CURVE US INC WILL NOT IMPROVE YOUR CHANCES OF WINNING.  EACH ENTRY HAS AN EQUAL CHANCE OF WINNING.  The “REFERRAL INCENTIVE V2” (Sweepstakes) begins 12:00 AM Eastern Standard Time (EST) on September 15, 2021 and ends 11:59 PM Eastern Standard Time (EST) on October 31, 2021 (Sweepstakes Period).  By entering this Sweepstakes, entrants accept and agree to be bound by these Official Rules.  Sweepstakes void where prohibited by law.  Curve US Inc is the sponsor of this Sweepstakes (Sponsor). 

WHO MAY ENTER:  Entrants must be at least 18 years of age, have valid government issued identification and valid tax identification number.  Curve US Inc employees, officials, and members of their immediate families are not eligible to participate in the Sweepstakes.  Business entities are not eligible to participate.  Sweepstakes is void in Puerto Rico, U.S. territories and possessions outside of the United States, and where restricted or prohibited by law.

HOW TO ENTER:  Eligible entrants may enter this Sweepstakes via or Mail.  The entry methods are described below. All entries must be received by 11:59 PM Eastern Standard Time (EST) on October 31, 2021.  Multiple entries received from any person beyond this limit will void all such additional entries. For every complete successful referral, you have one entry into the sweepstake. For every 5 successful referrals, you have 10 entries into the sweepstake. Every referral over 5 will count as 2 entries. There is no limit on how many referrals you can make. Alternative Method of Entry (AMOE): Mail a 3” x 5” card with your first name, last name, complete address, city, state, zip code, home phone number (including area code) and email address (if any) to “Referral  Incentive V2” c/o Curve US Inc, Attn: Marketing Dept., 175 Pearl Street, Suite 309, Brooklyn NY 11201.  Curve US Inc will not verify receipt of entries for entrants.  All entries submitted become the sole property of Curve US Inc and will not be returned.  Sponsor is not responsible for lost, late, misdirected, illegible, or damaged AMOE entries.  All AMOE entries must be received by 11:59 PM Eastern Standard Time (EST) on October 31, 2021 to qualify. 

Prize/Approximate Retail Value: One (1) winner will be chosen in a random drawing on November 1, 2021 and the winner will receive $10,000 in Curve Cash. The Approximate Retail Value (the “ARV”) of the prize is $10,000.  Winner will be contacted via phone, email, or direct message. Odds of winning are based upon the number of entries. Based upon Curve US Inc’s estimate of 5,000 entries, the odds of winning any prize are 1 chance in 5,000.  If Sponsor is unable to contact the prospective Winner by end of day on day of drawings, or if the prospective Winner does not meet eligibility qualifications, his/her prize will be forfeited and an alternate prospective Winner shall be selected.  The prize will be sent via email.  Prize is not transferable.

Liability/General Rules: Curve US Inc is not responsible for any loss which may occur in connection with the “Referral Incentive V2.”  Entrants agree to hold Curve US Inc harmless from any liability arising from participation in the Sweepstakes or the acceptance, receipt, possession, or misuse of the prize.  Curve US Inc and each of its officers, directors, employees, members, representatives, and agents are not responsible for any negligence, claims, liability, injury, property loss, or other damages of entrants and/or winners arising from, or in connection with, acceptance, receipt, possession, or use/misuse of prizes awarded or participation in the “Referral Incentive V2.”  Prizes cannot be substituted, assigned, or transferred by winners.  Curve US Inc reserves the right to disqualify entrants who fail to follow these Official Rules or who make any misrepresentations relative to the Sweepstakes and redemption of prize. Joining the waitlist to apply for a Curve credit card does not guarantee eligibility for the card. Geographic, regulatory, and underwriting restrictions apply. Must agree to the terms and fees prior to applying for a Curve account. Additional terms of service may apply. As part of the first set of customers, you have a chance to be part of Curve US Inc's Beta testing and agree to additional terms which will be provided to you prior to account opening. You will be opening an account with our Issuer Bank and not with Curve. Account details and data will be stored by Curve US Inc. and the Issuer Bank. Curve is not a lender. Curve Card is sponsored by Curve's lending partner.

Sweepstakes Conditions: This Sweepstakes is subject to all applicable federal, state, and local laws.  By participating, entrants agree to be bound by these Official Rules and the decisions of the Sponsor and waive any right to claim ambiguity in the Sweepstakes or these Official Rules.  Sponsor is not responsible for lost, late, misdirected, undeliverable, illegible, or incomplete entries, whether due to system errors or failures, faulty transmissions or other telecommunications malfunctions, entries not received resulting from any hardware or software failures of any kind, lost or unavailable network connections, failed, incomplete or garbled computer or telephone transmissions, typographical or system errors and failures, technical malfunctions, or otherwise.  Sponsor may prohibit an entrant from participating in the Sweepstakes or winning a prize if, in its sole discretion, it determines that said entrant is attempting to undermine the legitimate operation of the Sweepstakes by cheating, hacking, deception, or other unfair practices or intending to annoy, abuse, threaten, or harass any other entrants or Sponsor.  If, for any reason, this Sweepstakes is not able to be conducted as planned, including, but not limited to, by reason of infection by computer virus, tampering, unauthorized intervention, fraud, or any other causes beyond the reasonable control of the Sponsor which affect the administration, security, fairness, integrity or proper conduct of the Sweepstakes, then the Sponsor reserves the right, at its sole discretion, to cancel, terminate, modify or suspend the Sweepstakes.  CAUTION: ANY ATTEMPT BY AN ENTRANT TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEY’S FEES) FROM ANY SUCH ENTRANT TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.

Personal Information:  Information collected from entrants is subject to Sponsor’s Privacy Policy which can be found at

Arbitration:  Except where prohibited by law, as a condition of participating in this Sweepstakes, entrant agrees that (1) any and all disputes and causes of action arising out of or connected with this Sweepstakes or any prizes awarded, shall be resolved individually, without resort to any form of class action, and exclusively, by final and binding arbitration under the rules of the American Arbitration Association (“AAA”) and shall be held at the AAA regional office nearest the participant; (2) the Federal Arbitration Act shall govern the interpretation, enforcement, and all proceedings at such arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction.  Under no circumstances will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim, punitive, incidental, or consequential damages, or any other damages, including attorney’s fees, other than entrant’s actual out-of-pocket expenses (i.e., costs associated with entering this Sweepstakes), and entrant further waivers all rights to have damages multiplied or increased.

Taxes: Winners are responsible for all tax consequences (if any) of the prize.

Choice of Law: All issues concerning the construction, validity interpretation, and enforceability of these Official Rules, or the rights and obligations of any entrant and California.

Curve US Inc in connection with the “Referral Incentive V2,” shall be governed by, and construed in accordance with, the substantive laws of the State of California, USA.

²Short Disclosure:

  • 1% cashback: 1% cashback is an introductory offer that spans the first 6 months of card ownership, beginning on the date the card is issued. Users will receive 1% cashback on all eligible purchases. You cannot earn cashback under this promotion on transactions or purchases of, or relating to, financial services, including but not limited to wire transfers, money orders, money transfers, insurance services, insurance sales, insurance underwriting, insurance premiums, cash disbursement, stored value funding, funding of cards and accounts, cash advances, purchases of traveler’s checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of any cash equivalents, securities/shares (including through brokers and dealers), bonds, savings bonds; transactions or purchases of, or relating to, lotteries, gambling or gambling like services, tax payments, and government services; purchases made using your Curve Cash card balance. 

  • No foreign transaction fees: Curve does not charge cardholders any fees while traveling outside of the US or making purchases from foreign-based merchants. 

  • Contactless: A secure payment method to use your Curve card by tapping the card or other device near a point-of-sale terminal equipped with contactless payment technology.

  • Go back in time: This allows you to change the payment card you used to pay for certain transactions after they were made up to 30 days from purchase date.

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