Limited Time Referral Promotion & Sweepstakes

M1 is currently running a promotion for referring others to the platform between September 1st and September 30th, 2020.


M1 Referrals: Give $20, Get $20

How it works:

In order to be eligible, you must have a funded M1 Invest account.

To refer your friends:

  • Open your Invest screen (mobile) or click on your name (web).
  • Click on your name at the top right (web) or click on the silhouette in the app .
  • Click Refer & Earn  (this will only be visible if your account is funded).
  • Sign up and choose your Payment Account.
  • Share your unique referral link with friends.

You can return to the referrals page after signing up to locate your unique referral link.

To be referred:

  • Create an account using your friend’s unique referral link.
  • Fund your account within 30 days of signing up.
  • If you opened a retirement account, you must also open a non-retirement account to receive your referral credit.

How do I get paid?

You will receive a $20 referral bonus in your Payment Account within 14 days of your friend signing up and funding their M1 account.

Once the referral qualifications are met, you will see your $20 promotion under Settings > Promotions. You might see that the promotion was successful before the credit has been applied to your Payment Account.

Once credited, you will see a $20 Promotional Credit in Activity.


Payment accounts

Referrals and other promotional credits are deposited into your designated “Payment Account”. A Payment Account must be an individual or joint taxable brokerage account (funding not required). A Payment Account cannot be a retirement account. Both you and anyone you refer will be required to have an open brokerage account to receive referral credits. 

If you have more than one taxable account, you can change the Payment Account at any time from Settings > Payment.

Without a valid Payment Account, you will not be able to receive referral credits.


Terms and Conditions of M1’s Limited Time $20 Referral Credit Promotion

Important Terms & Conditions 

The offer is valid only for new brokerage or IRA accounts with M1. Please send invitations only to people you know personally and who will be glad to get them. To qualify for the bonus, referred family and friends must make an initial deposit of $100 for taxable accounts and $500 for IRAs, within 30 days of signup and not withdraw that initial deposit for 30 days. 

Your participation in the M1 Limited Time $20 Referral Promotion is subject to the following terms and conditions: 

The Limited Time $20 Referral Credit Promotion expires on 9/30/2020 at 11:59 PM EST, and dough reserves the right to revoke or extend this offer at any time.

Through the M1 Limited Time $20 Referral Promotion you will invite family and friends to sign-up for an M1 account by sending them an invitation with a provided link and disclosure, and your efforts in soliciting clients to M1 will be limited to this activity. 

For each “Qualifying New Account” M1 will pay you $20 to your M1 account. A “Qualifying New Account” is a new, individual M1 account opened by your referee, using the special designated link from your invitation, which your referee funds with an initial minimum deposit ($100 for taxable accounts or $500 for IRA accounts) and does not withdraw that initial deposit for 30 days. M1 is not responsible for incorrect entry or other failure on the part of your referees to meet standards of a Qualifying New Account.

You should consult with your tax advisor about the appropriate tax treatment for this offer and any tax implications associated with receipt of cash before participating. For taxable accounts, the value of all M1 offers received may be reported as Other Income on a Form 1099-MISC where required by applicable rules and regulations.

By participating in M1’s Limited Time $20 Referral Promotion, you agree to release, discharge, indemnify and hold harmless M1, its subsidiaries, affiliates, retailers, and advertising and promotion agencies, and all of their respective officers, directors, members, managers, partners, shareholders, employees and agents (collectively, “Released Parties”) from any liability or damages that may arise out of participation in M1’s Limited Time $20 Referral Promotion.

Released parties are not responsible for incorrect or inaccurate transcription of referral information, or for any human or printing error in these Rules or any promotional materials, technical malfunctions, lost/delayed data transmission, omission, interruption, deletion, defect, line failures of any telephone network, computer equipment, software, or any other error or malfunction, or any injury or damage to you or any other person’s computer related to or resulting from participation in M1’s Limited Time $20 Referral Promotion, or for late, lost, stolen, or illegible, or misdirected referrals. Referrals that have been tampered or altered are void.

This promotion is not valid with any other offers and is non-transferrable. Offer available to U.S. citizens and Permanent Residents only. M1 reserves the right to terminate this offer at any time, to limit the amount of account bonuses you are eligible to receive, and to refuse or recover any promotion award if M1 determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of the M1 Terms of Use or Account Agreement have been violated. In referring friends to open an M1 account you are acting on behalf of M1 and under the supervision and control of M1. You agree to limit the information you provide in connection with the referral to the link and disclosure provided by M1. 

You agree that your participation in M1’s Limited Time $20 Referral Promotion will conform to the terms contained herein as well as the provisions of the Investment Advisers Act of 1940, 15 U.S.C. § 80b-1, and the rules thereunder. You hereby represent that: (1) you are not subject to any statutory disqualification set forth in Sections 203(e) and 203(f) of the Investment Advisors Act (or any amended or replacement regulatory provision(s)); (2) you are not currently the subject of any investigation or proceeding which could result in statutory disqualification; and (3) you do not have a “place of business” at which you regularly provide investment advisory services, solicit, meet with, or otherwise communicate with clients, or any other location that is held out to the general public as a location at which you provide investment advisory services, solicit, meet with, or otherwise communicate with clients in any U.S. state. If you cannot accurately make the preceding representations, you may not participate in  M1’s Limited Time $20 Referral Promotion. If you are currently participating in M1’s Limited Time $20 Referral Promotion and the preceding representations become inaccurate, you agree to immediately inform M1 at support@m1finance.com


M1 Referral Sweepstakes Official Rules

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS PROMOTION.

Sponsor.  The “Sponsor” of this promotion is M1 Finance LLC, 200 N LaSalle St. 8th Floor, Chicago, IL 60601. This promotion is in no way sponsored, endorsed or administered by, or associated with a social media platform (including but not limited to Facebook, Inc.).

Promotion Period. This promotion begins at 9:00 am Eastern Time (“ET”) on Tuesday, September 1, 2020, and ends at 11:59 pm ET on Wednesday, September 30, 2020 (the “Promotion Period”). Sponsor’s computer is the official time-keeping device for the promotion.

Eligibility. In order to be eligible, participants must be (i) at least the age of majority in their jurisdiction of residence; and (ii) a permanent resident or U.S. citizen and resident of the 50 United States, including Washington, D.C. Rhode Island residents are not eligible. Officers, directors, managers, and employees of Sponsor and of its parent, subsidiary, and affiliate companies, as well as the immediate family members (spouse, parents, siblings and children) and/or household members of each such person are not eligible. VOID WHERE PROHIBITED AND IN RHODE ISLAND. 

How to Enter. During the Promotion Period, an entrant may enter using one of the following two methods:

A. Qualified Referral Entry: During the Promotion Period, an eligible participant may enter this promotion by using Sponsor’s Referral Program to refer new clients to M1. A Qualified Referral is a person who:

(a) who clicks on a friend’s referral link and is approved to open a new M1 account,

(b) did not previously have an M1 account, and

(c) funds their new M1 account with at least $100 (or $500 for IRAs).

The account must remain open and funded through the Promotion Period and the awarding of the prizes.

B. Email Entry: An eligible participant may enter this promotion without opening and funding an M1 account by sending an entry by email by the end of the Promotion Period to: hello@m1finance.com. The Email Entry must include: the entrant’s complete name (no initials) and state of residence in the subject line. Email Entries must be received by the end of the Promotion Period. Limit one entry per email address, and per person and per household regardless of method of entry.

Winner Selection, Notification, and Verification. On or about December 1, 2020, the winners will be selected by a random drawing from all eligible entries received by Sponsor. Odds of winning depend on the number of eligible entries. Sponsor will attempt to notify the potential winners on or about December 1, 2020 by email. Each potential winner must respond to the initial notification attempt within 5 business days. Sponsor is not responsible for lost, delayed, misdirected or returned prize notifications. Awarding of prize is subject to verification of eligibility and compliance with these Official Rules. Potential prize winners may be asked to complete, sign and return the Affidavit of Eligibility, Waiver of Liability and Publicity Release form (TN residents need not sign Publicity Release) and, if so, do so within 5 business days of the time Sponsor sends such document to winners. By signing and returning an Affidavit of Eligibility, Waiver of Liability and Publicity Release, winners agree to be subject to a personal background check. All activity arising out of and relating to the Promotion, including any reference to an entrant’s status as a “winner,” is subject to verification and/or auditing for compliance with the Official Rules, and by participating in the Promotion entrants agree to cooperate with Sponsor concerning such verification and/or auditing. Potential winners also may be required to provide certain tax documents. By entering or accepting the prize, each winner consents to Sponsor’s use of his or her name, photograph, likeness, voice, opinions, information, biographical information, hometown and jurisdiction of residence for publicity and promotional purposes without further compensation where permitted by law. (TN residents need not so consent.) If a potential winner is not in compliance with these Official Rules, if a potential winner does not respond within 5 business days of first notification attempt, if a prize notification or attempted notification is returned as undeliverable, if a potential winner is deemed ineligible for any reason, if a potential winner fails to sign and return required documents and provide required identification by the deadlines established by Sponsor, or if a potential winner declines prize offered, the prize will be forfeited and, time permitting, Sponsor may select an alternate winner in a second-chance random drawing from the remaining eligible entries. Any alternate winner is subject to all eligibility requirements and restrictions of these Official Rules. If a winner cannot be verified for the prize after one alternate drawing, no further drawings will be held for the prize and the prize will not be awarded.

Conditions Applicable to All Entries. Additional entries received from any person or household beyond the limits set forth above, and the person or household submitting such entries, will be subject to disqualification if discovered by Sponsor. Any use of robotic, repetitive, automatic, programmed, script, macro, or any other automated means or similar entry methods or agents (including, but not limited to, contest-entry services or multiple or different email addresses, identities, registrations or logins) is prohibited and will void all entries submitted by that entrant if discovered by Sponsor. Entrants must use their own name. Sponsor reserves the right in its sole discretion to disqualify any entry at any time that in Sponsor’s opinion does not comply with these Official Rules. Sponsor is not responsible for lost, incomplete, damaged, illegible, late, or misdirected entries, or for errors in mechanical transmission, unavailability of phone lines or connections, cellular phone service, or any other technical malfunctions or inability to transmit messages or entries. Received entries become the property of Sponsor and will not be returned or acknowledged.

Prizes. There is one grand prize. There are 31 total prizes. The prizes are as follows: one grand prize, $2,500; 5 first prizes, a Kindle and Amazon Gift Card ($150 value); and 12 second prizes, an M1 Plus membership for one year ($125 value). The total value of all prizes is $4,750. The monetary prize will be awarded in the following ways:

(a) Grand prize will be either (i) deposited into the winner’s M1 Invest account if he/she entered this promotion via the Qualified Referral Entry (described above); (ii) in the form of a check mailed to the mailing address provided by winner if he/she entered this promotion via Email Entry.

(b) The Kindle and Amazon Gift Card will be mailed to the mailing address provided by winner.

(c) The M1 Plus membership will be activated in winner’s M1 account. If a winner already has an active M1 Plus membership, the expiration date will be extended by one year. If a winner does not have an M1 account, a check for $125 will be mailed to the mailing address provided by winner if he/she entered this promotion via Email Entry.

No substitution, assignment or transfer of the prize is permitted, except by Sponsor, which has the right to substitute the prize with another of comparable or greater value. Sponsor will not replace a lost or stolen prizes. Each winner is responsible for all taxes and fees associated with the receipt and/or use of the prize. Properly claimed prizes will be awarded, but in no event will more than the stated number of prizes be awarded. If production, technical, programming or any other reasons cause more than the stated number of prizes as set forth in these Official Rules to be available and/or claimed, Sponsor reserves the right to award only the stated number of prizes by a random drawing among all legitimate, unawarded, eligible prize claims.

Conditions of Participation. By submitting an entry for this promotion, you agree to abide by these Official Rules and any decision Sponsor makes regarding this promotion, which Sponsor will make in its sole discretion. Sponsor reserves the right to correct typographical, printing or clerical errors in any Promotion-related materials and to make other changes that do not materially affect the substance of the Official Rules. Sponsor reserves the right to prohibit any entrant from participating in the promotion if, at its sole discretion, Sponsor finds such entrant to be tampering with the entry processor the operation of the promotion, or if such entrant shows a disregard for, or attempts to circumvent, these Official Rules, or acts: (a) in a manner the Sponsor determines to be not fair or equitable; (b) in an annoying, threatening, or harassing manner; or (c) in any other disruptive manner. If a dispute arises regarding compliance with these Official Rules, Sponsor may consider, in its sole discretion, data reasonably available to Sponsor through information technology systems in Sponsor’s control, but Sponsor shall not be obligated to consider any data or other information collected from any other source. Neither the failure of Sponsor to insist upon or enforce strict performance of any provision of these Official Rules nor the failure, delay or omission by Sponsor in exercising any right with respect to any term of these  Official Rules, will be construed as a waiver or relinquishment to any extent of Sponsor’s right to assert or rely upon any such provision or right in that or any other instance. If there is any conflict between any term of these Official Rules and any of the entry or marketing materials used in connection with the promotion, the terms of these Official Rules will govern.

Disclaimer, Release and Limit of Liability. SPONSOR MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, REGARDING ANY PRIZE OR YOUR PARTICIPATION IN THE PROMOTION. BY ENTERING THE PROMOTION, EACH ENTRANT AGREES TO RELEASE AND HOLD HARMLESS FACEBOOK, INC., TWITTER, INC., SPONSOR, AND ITS SUBSIDIARIES, AFFILIATES, SUPPLIERS, DISTRIBUTORS, ADVERTISING/PROMOTION AGENCIES, AND PRIZE SUPPLIERS, AND EACH OF THEIR RESPECTIVE PARENTS, AFFILIATES, AND SUBSIDIARIES AND EACH SUCH COMPANY’S OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS (COLLECTIVELY, THE “RELEASED PARTIES”) FROM AND AGAINST ANY CLAIM OR CAUSE OF ACTION,INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, DEATH, OR DAMAGE TO OR LOSS OF PROPERTY, ARISING OUT OF PARTICIPATION IN THE PROMOTION OR RECEIPT OR USE OR MISUSE OF ANY PRIZE. THE RELEASED PARTIES ARE NOT RESPONSIBLE FOR: (1) ANY INCORRECT OR INACCURATE INFORMATION,WHETHER CAUSED BY ENTRANTS, PRINTING ERRORS, OR BY ANY OF THE EQUIPMENT OR PROGRAMMING ASSOCIATED WITH OR UTILIZED IN THE PROMOTION; (2) TECHNICAL FAILURES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO MALFUNCTIONS, INTERRUPTIONS, OR DISCONNECTIONS IN PHONE LINES OR NETWORK HARDWARE OR SOFTWARE; (3) UNAUTHORIZED HUMAN INTERVENTION IN ANY PART OF THE ENTRY PROCESS OR THE PROMOTION; (4) TECHNICAL OR HUMAN ERROR THAT MAY OCCUR IN THE ADMINISTRATION OF THE PROMOTION OR THE PROCESSING OF ENTRIES; OR (5) ANY INJURY OR DAMAGE TO PERSONS OR PROPERTY THAT MAY BE CAUSED, DIRECTLY OR INDIRECTLY, IN WHOLE OR IN PART, FROM ENTRANT’S PARTICIPATION IN THE PROMOTION OR RECEIPT OR USE OR MISUSE OF ANY PRIZE. If for any reason an entrant’s entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, entrant’s sole remedy is another entry in the promotion. If for any reason, this promotion is not capable of running as planned, including infection by computer virus, tampering, fraud, technical failure, or any other cause that corrupts or threatens the administration, security or integrity of the promotion, Sponsor reserves the right, in its sole discretion, to terminate or suspend the promotion. If Sponsor terminates the promotion, it will determine the winners by random drawing from among all eligible, non-suspect entries received as of the termination of the promotion, if it is possible to do so. If Sponsor terminates or modifies the promotion, Sponsor will post notice on the official promotion website.

Privacy and Use of Promotion Information. Sponsor collects personal information from you when you enter this promotion. Sponsor reserves the right to use any information collected in accordance with its privacy policy, which may be found at https://www.m1finance.com/legal/privacy/.

GOVERNING LAW AND DISPUTES. THESE OFFICIAL RULES AND THE PROMOTION ARE GOVERNED BY, AND WILL BE CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF ILLINOIS, AND THE FORUM AND VENUE FOR ANY DISPUTE ARISING OUT OF OR RELATING TO THESE OFFICIAL RULES WILL BE IN THE COUNTY OF COOK, ILLINOIS. IF THE CONTROVERSY OR CLAIM IS NOT OTHERWISE RESOLVED THROUGH DIRECT DISCUSSIONS OR MEDIATION, IT MUST THEN BE RESOLVED BY FINAL AND BINDING ARBITRATION ADMINISTERED BY JUDICIAL ARBITRATION AND MEDIATION SERVICES, INC., IN ACCORDANCE WITH ITS STREAMLINED ARBITRATION RULES AND PROCEDURES OR SUBSEQUENT VERSIONS THEREOF (“JAMS RULES”). THE JAMS RULES FOR SELECTION OF AN ARBITRATOR MUST BE FOLLOWED, EXCEPT THAT THE ARBITRATOR MUST BE EXPERIENCED AND LICENSED TO PRACTICE LAW IN ILLINOIS. Any such controversy or claim will be arbitrated on an individual basis and will not be consolidated in any arbitration with any claim or controversy of any other party. All causes of action arising out of or related to this promotion, or prizes awarded, will be resolved individually, without resort to any form of class action. THE REMEDY FOR ANY CLAIM WILL BE LIMITED TO ACTUAL DAMAGES, AND IN NO EVENT WILL ANY PARTY BE ENTITLED TO RECOVER PUNITIVE, EXEMPLARY, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, INCLUDING ATTORNEY’S FEES OR OTHER SUCH RELATED COSTS OF BRINGING A CLAIM, OR TO RESCIND THIS AGREEMENT OR SEEK INJUNCTIVE OR ANY OTHER EQUITABLE RELIEF. Some jurisdictions do not allow for limitations on the ability to pursue class action remedies, or certain kinds of damages, and so these limitations may not apply to you.

List of Winners. For the names of the winners (first name and last initial), send an email with “Winner Names August 2020 Sweepstakes Request” in the subject line to hello@m1finance.com, to be received within 60 days of the end of the Promotion Period.

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