Shrewd/Obligated/Unabated/Powerful/Zealous

Those seeking to participate in SOUPZ must be 18 years old (204 months). Their D.O.B. and the last four digits of their SS# must be recorded on the join form. Their address will also be verified. They also must deposit a minimum of $10 to start a savings plan.

You have 2 options to obtain your Membership: $7.99 per mo. or $60 per year. 

Sign up to reap the benefits in the SOUPZ! (Only 2 Members per account in the Core division).

[1 SOUPZ MONTH = 4 - 7 DAY PERIODS]

To remain active in your chosen plan, you must first meet the short-term requirement (STR) by depositing an additional $30 within the first 25 days after plan initiation. If your account does not total $40 by the end of the 25th day, you will receive a SOUPZ email stating that your plan has been temporarily suspended. You have 72 hours to lift the suspension (SP). This is your final opportunity to personally save your plan,  maintain an active status, and continue to save.

The Sponsorship (SPON) LIST

In your SP email, you can reply with a request to be placed on the "SPON List". 100 Members are randomly chosen among those requests, and are put on the list if their deposit total is $30 or more on day 26, "falling off" that list at the end of day 28. The max allowed on this list will grow as the organization does.

Sponsors can pay it forward for a member in need. If their assistance satisfies your STR ($40), you stay active and have 112 days to deposit the remaining $160 needed to secure your MDR (midpoint deposit requirement), which takes 16 weeks after you complete the STR.

Sponsor donations are given at their leisure. They can choose from 3 options to allocate their funds. They help those in need until their donated funds are depleted. (see Terms).

If you do not meet the STR requirements, even with sponsorship, your selected plan defaults to termination (PT) with a standard penalty rate of 10%. This rate applies to all cancellations & terminations of plans, whether self-executed or by the system. A final option is explained below.

In the event of a PT, any donated amount will be transferred to another member's plan on the SPON.

If any sponsored members' plan is cancelled before their 40-week interval (40*WI), the donated funds are reversed to the SPON and may be divided in any number of ways. (see Terms).

You can also request a loan of $10 to $30 to save your plan through the "Provisional Kitty Account" (PKA), provided the funds are available. If nothing is in the PKA, your Plan will default to termination.

Upon completion of the STR, your account is reviewed, and if eligible, you will be entered into the Sweepstakes. You then have 112 days to deposit $160 ($10 per week/16 weeks) to secure your MDR (midpoint dep. req.).

If your plan is terminated, your TFS (travel funds saved) will default to TFS status (total funds saved), and you will receive 100% of what you saved up to $99 during that period (minus W/D fees). $100 saved will result in (60%) dispersed as travel credits. This may be for a hotel stay, rental car, or airline voucher. Up to 40% of your savings may be recouped in cash ($50 extra is available after 40 weeks - conditions apply). The check will be included in your vacation package. Vouchers are transferrable.

You will receive a SOUPZ final email 7 days before the end of your midpoint qualifying period, declaring either of these 2 facts:

(A) You need to deposit the difference within 4 days or

(B) Giving you "kudos" for surpassing the MDR ($200).

You will be at risk of entering a 2nd suspension if liable for option A.

TFS - travel funds saved/SP-suspension/AT - acct. termination

Suppose your TFS does not total $200 in those 4 days. In that case, you get a 2nd SP, and you have 72 hours to deposit the difference to satisfy the MDR, which would total $200 or more.

You then have a penalty-free account, and you may deposit as you wish for the next 20 weeks (5 SOUPZ months).

1 SOUPZ month = 4/7-day periods

Example: 19 weeks have passed, and you have saved $140. You failed to respond to emails sent from weeks 15 to 18, stating that you need to deposit $60 (only $15/week) to remain active or risk a suspension on your account. Due to inaction after 4 days, your plan is suspended. You have 72 hours to recover and complete the MDR - midpoint deposit requirement.

Even if you recover, a 2nd SP causes you to lose your eligibility for the upcoming Contest, and an additional penalty on your daily credits (DB$). If you do not respond within the final 3 days allowed, your plan terminates (PT).

Results of the default: TFS (travel funds saved minus 10% PPR + $2 check fee/CF [Penalty percentage rate - PPR]

$140 - $14 (10% PPR) and the $2 check fee = $16. A V-pay check of $50.40, along with the remaining amount ($75.60) in whatever travel voucher(s) you request (usually a hotel voucher or car rental or non-cashable gift card).

Why not secure your account and continue saving for the remaining 20 weeks? You'll be able to take a vacation with money in your pocket! Or fix something around the house!

In your 39th week, you will receive a SOUPZ email stating that you can request your "TFA" and your vacation itinerary by the end of next week. Please allow a minimum of 5 business days thereafter for processing. Applicable W/D fees apply.

You will retain your membership, but if you don't initiate a new plan within 30 days, you will lose your benefits for the 2nd, 3rd, and 4th plans (explained on the Terms tab).

SOUPZ uses a scaled percentage to assess withdrawal fees. They are pre-deducted. Terminations and cancellation rates will differ from the withdrawal standard for active Members.

Your location, time of stay, and comfort level during your trip depend on the amount of your TFA (Travel Funds Accrued).

Vacation vouchers are good for up to a year.

Your vacation package could provisionally include:

A. Hotel reservations (& rental car if applicable)

B. Dining vouchers (for restaurant/fast food )

C. Airline Tickets (items A-C total 60% in travel credits)

D. 40% V-pay

You will be responsible for any other amenities you desire.

V-pay checks are sent along with your vacation package.

You may elect to have all of your TFA allotted to travel credits.

Upon any PT or EC (early cancel), all funds saved $99 and under will be fully refunded minus fees. Any amount above that is disbursed as a $60 travel credit, a voucher (hotel or some other form), or a check to a branded company. You may or may not have the option to choose. 

Your membership will still be intact as long as you pay the monthly or yearly fee. To start any other plan after abortion, you must wait 28 days (1 SOUPZ month) and are required to pay $40 upfront. Daily credit progress is lost, and you must start all over again (see Terms).

All check issuances incur a fee of $2-$5. Based on the plan-ending actions you take on your account, WD & cancel fees are assessed, respectively.

All V-Pays, cancellations, or PTs are disbursed/refunded by check only for all members. Plus-Member fees will differ from those of the Core. (see relevant tab above).

Cancellations at the MDR or before the end of a 40*WI are treated as such and also incur a "time left" penalty charge, respectively. This is usually done as an..

"EWO" (Emergency Withdrawal Option) is explained in the Terms.

The 60/40% split is initiated "after" all deductions.

[W/D]            Amt. Range           Fee Range

10%  (penalty)  $10 - $39             $1 to $3.9

(+ $2 Check Fee - usually failing to complete the STR)

       ********************************

   Failing to meet the MDR or Cancel/Terminate

10% - w/d       $40 - $199           $4.10 to $19.90

     (+ $2 Check Fee - usually failing to complete the MDR)

       ********************************

  40% V-Pay & 60% Travel Credits Split (after deductions)

1.6% - w/d      $200 - $599             $4.00 to $9.58

                        (+ $2 Check Fee)

                     ************************

1.7% - w/d        $600 - $999           $10.20 to $16.98

                          (+ $3 Check Fee)

                     ************************

1.8% - w/d   $1000 - $1299             $18 to $23.38

                          (+ $3.5 Check Fee)

                     ***********************

1.9% - w/d    $1300 - $1680             $24.7 to $31.92

                          (+ $4 Check Fee)

All Plus Plans are assessed at 1.5% + $5 fee

ALL Church Musicians who join SOUPZ, deposit $40 within the 1st SOUPZ month, are of eligible age, are automatically entered into the $15K Split by 300 Sweepstakes. You must be 18 years old to receive from the Prize draw. 

A total of 2 SPs per year on your account (even with recovery) will status you as an entrant ineligible to claim a prize in the Contest. If selected, you will be bypassed and replaced by another random entrant selected and verified to receive your prize.

Further requirements may be needed to claim your prize.  (see Rules).

By accepting the prize, you agree to have your first initial & last name posted on the Winners List.

************************************************

Daily Saving Credit Benefit/First 4 Plans [restrictions apply]

Amt. Saved        Paid per day              Total paid

$200 to $500 - $0.09 per day <<>> up to $25.20

$501 to $999 - $0.10 per day <<>> up to $28.00

$1000 - $1299 - $0.125 per day <>> up to $35.00

$1300 & above - $0.15 per day <<>> up to $42.00

100% of daily benefits are paid upon completion of your 4th plan only. 

The more you save, the higher your daily percentage. And you reap a higher daily % as you complete each consecutively:

Plan 1 - 25%  Plan 2 - 50% Plan 3 - 75%  Plan 4 - 100%

Addtl. penalty due to SP(s) @ the end of each duration

25% off DB$ amt. OR $6 off TFS $6oo & over - 1 SP recovered

30% off DB$ amt. OR $10 off TFS $1000 & over - 2 recovered

                           (whichever is greater) 

You are guaranteed the respective amounts (with applicable restrictions) once you complete your plan. If you cancel or take the EWO after the MDR, you will lose all daily credits.

Only upon completion of your 4th consecutive plan with no suspensions will you receive 100% of the benefit outlined in the chart above (see examples in the Terms).

*************************************************

Benefits for Core Savers years 1-3

Core Saver year 2 - If you initiate any 2nd core plan within 30 days after your 1st, depositing $40 upfront, you will be eligible for selection in the MDR Completion Contest. To be eligible, your current plan's MDR must be completed 24 hours before the Prize draw. 

100 members are selected to receive a $20 debit from SOUPZ to their current plan, held 3 times a year. Available to all active Core Members!

Contest dates will be posted on the site. You may or may not be eligible if selected, as the time of the Contest may conflict with your current plan schedule. Your only other option is to complete your current MDR 24 hours before the Contest. 

Example: A notice is posted on the SOUPZ site stating that the next MDR Contest is coming up in 14 days. But there are 3 weeks left to complete your MDR. You must deposit $30 (or the amount needed) in 13 days to be eligible for the Contest.

This still does not guarantee that you will be selected. But you did shoot your shot. Kudos.

************************************************

Consecutive initiation of a 4th-40*WI - If you complete a 4rd STR, we will award you a Free 2-night Hotel Deal!

Based on availability. As a consolation, we will debit your current plan with a $20 Gift (STR completion required).

All Core Saver benefits end at the 4th plan completion, and the process starts all over again. Members are still eligible for contests, however.

Since you will be taxed on the monies you deposit on your income tax return, SOUPZ does not report any Member activity to the IRS. We must, however, report our operations as a membership club, such as;

Salaries, the fee schedules for memberships, penalties, check withdrawals, supplies, and other administrative costs.

All savings are held in a non-interest-bearing account with no capital gains. You get back what you save minus the fees to withdraw.

Concerning the Sweepstakes:

Since no prize is valued at $600 or more, we are not required to collect your Social Security number or issue a 1099 MISC, as the most you may gain through contests and daily credits won't amount to $200. So those won't be reported either.

Special note: All SOUPZ fees/percentages are subject to change from one calendar year to the next without notification.

All funds deposited in SOUPZ "after" the STR are held for 5 SOUPZ months (20 weeks), even if you self-terminate.

You may cancel your SOUPZ membership by contacting support@soupz.org, or by simply not paying the monthly or yearly fee. If you miss a payment, you have 3 days before your membership is suspended, and it will cancel 27 days thereafter. Should you decide to leave us before the end of your 40-week interval (40*WI), or whatever plan you're currently on, a 10% fee on your TFA (total funds accrued) is assessed as an Early Cancellation Penalty(ECP), plus a $2 CF. See Terms for funds disbursement (min. 5 business days to receive/restrictions apply). All daily credits are lost.

Your membership is active as long as you maintain the monthly or yearly fee. Cancelled memberships are eligible for reinstatement in three SOUPZ months, or 84 days. If approved, you must pay the membership fee plus $40 upfront, initiating any plan you wish. 

Example: You saved $300 over 20 weeks/5 months. A month later, you decide to cancel your membership, having saved a total of $360.

You have a few options:

1. You can request an EWO. At $360, this would cost you $?? as a remaining month penalty, with the normal ECP and CF fees (below). 

$360 total saved minus an ECP of $36 (10%) = $324 minus $2 CF, leaving $322, plus a 4-month remaining penalty charge of $?? $?? is returned to you as TFS (travel funds saved) in V-pay and travel credits. You could keep that $?? by waiting a few months & possibly withdraw more through extra deposits during those final weeks. EWO request (see Terms).

BENEFICIARIES
You may designate "1 or 2" Beneficiaries to receive your funds in the event you depart from this life. You also have the option to split your TFA between 2 beneficiaries by a percentage of your choosing. Once you choose this, 2 checks (for the respective percentages) will be mailed out within 10 business days, minus a check fee (CF) for each.

The 1st beneficiary is eligible to make an email request to claim a net TFA check as a Successor. We must receive the email within 45 days after the deceased's "day of demise". The successor will be emailed a claim form and should return it with all requested information in 30 days. (see terms).

The deceased member's name, address, and the last 4 digits of the SS# must match the data on file, and submission must be received within 30 days, or the claim will be denied, and the deceased's total funds saved will revert to the SOUPZ Sweepstakes account with no possibility of recoupment.

These above terms and conditions are automatically in agreement once each member records their typed name and date as an "e-signature" at the bottom of the join form, thereby acknowledging them as legally binding.

We also offer Web design services, music creation (including production and arrangement), and sewing services. Contact us to obtain information on our pricing, material costs, and completion timelines related to the services above.

soupz.help@gmail.com  or support@soupz.org

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