Face It

Come clean about your spending. Get dirty with a doughnut.

A banner image showing people facing themselves and saving money

Face It

We’ve got some good news and bad news. 

The good news is that we found the person who’s wasting your hard earned cash.

The bad news…it’s you. 

Alright so it’s not entirely your fault. We’ve all been super stressed the last few years which means we’re gonna do what stressed out people do – buy stuff.

But that doesn’t mean it’s got to be like this forever..

If you’re ready to face your spending habits, Cleo’s big AI brain is ready to help you save money AND still afford treats. 

We’re also giving away $2000* to one lucky person who sets up a savings goal with Cleo and shares it.

 We’re calling it the #SaveWithCleo challenge.

How to participate:

- Download the Cleo app

- Tap  “Savings”

- Set up a goal and share it @meetcleo on TikTok, IG, or X with #SaveWithCleo

Winner announced Feb 7, 2024.

Living in New York?

From Feb 1st to Feb 3 – head to the Unregular Bakery on 124 4th Ave, New York, NY 10003 and visit Cleo’s Confessional corner. 

Tell us about a spend you’re not proud about and drop those financial guilt bags. 

Starting at 11am, the first 50 people in the door each day who download Cleo get a free bomboloni - which is real fancy doughnut 💅

(While supplies last)

But why does it have to be about money? Come out and say hi, we’d love to meet you.

Event details:
  • What: Cleo’s Confessional Corner 
  • Date: Thursday Feb 1 - Saturday Feb 3
  • Time: 11:00 am- 4:00 pm
  • Location: 124 4th Ave, New York, NY 10003

*2024 #SaveWithCleo Challenge Contest (“Sweepstakes”) Official Rules 

Cleo is the sponsor (“Sponsor”) for the 2024 Cleo Savings Challenge Contest (“the Contest”) 



Entry into this Sweepstakes constitutes your acceptance of these Official Rules


The Sweepstakes begins on January 30 2024 at 8 AM PST/11 AM EST and ends on February 6 2023 at 12 AM PST/3 AM EST. No further entries will be considered once this deadline has passed. 

Who May Enter:

This Contest is open to US residents, aged 18 years or over, who are users of the Cleo app; except for employees of Cleo and their close relatives (parent, child, sibling or spouse of any of the foregoing) and anyone otherwise connected with the organization or judging of the competition. 

How to Enter: Eligible Entrants (“Entrants”) must:

  1. Have downloaded the Cleo app (download is available at no cost)
  2. Have at least one (1) bank account connected to the Cleo app, in order for Cleo to pay prize money if entrant is a winner of the Grand Prize
  3. Have an Instagram (www.instagram.com), Twitter (www.twitter.com) or TikTok account (www.tiktok.com) or create one for no cost. Entrants must agree to Instagram, Twitter, or TikTok’s Terms of Service in order to create an account and in order to participate in this Sweepstakes.
  4. Route to entry for the competition and details of how to enter are via Cleo app, the Cleo blog (https://www.web.meetcleo.com/blog), owned Instagram (@meetcleo), owned Twitter (@meetcleo) and owned TikTok on TikTok feed (@meetcleo).
  5. Entrants must create a savings goal in the Cleo app and post a screenshot of it to social media, tagging @meetcleo, to be eligible to win $2,000. There are no limits on how many times a User may enter the Cleo Savings Challenge Contest, however the User will only be entered once into the Grand Prize Draw. 
  6. Upon completion of creating a savings goal in the app and posting a screenshot of the completed savings goal as stated above, the Entrant is automatically entered to win the Grand Prize of $2,000. 


  1. The winner will be chosen Wednesday, February 7 2024 12pm EST. If the winner cannot be contacted or does not claim the prize within 24 hours of notification, we reserve the right to withdraw the prize from the winner and pick a replacement winner. 

Payment of Prize Money:

  1. For the Grand Prize, the winner will receive a $2,000 lump sum cash payment. This payment will be transferred to the Winner’s Cleo Wallet within 24 hours of being selected. 


  1. Limit to one (1) entry: There are no limits on how many times an Entrant may enter by creating a savings goal in the Cleo app. However, the Entrant will only be entered once into the Grand Prize Draw. 
  2. Winners are selected at random by software, from all entries received and verified by Cleo and or its agents. 
  3. Users who share on social media outside of Instagram, Twitter and TikTok are ineligible for entry into this Sweepstakes.
  4. Similarly, users who share on social media as defined herein but do not tag Cleo as directed herein are also ineligible for entry into this Sweepstakes.
  5. Cleo accepts no responsibility for entries not received, nor for incomplete entries. Cleo is not responsible for inaccurate prize details supplied to any Entrant by any third party connected with this Sweepstakes.
  6. Cleo reserves the right to cancel or amend the competition without notice. Any changes to the competition will be notified to Entrants as soon as possible by Cleo.
  7. Cleo’s decision in respect of all matters to do with the competition will be final and no correspondence will be entered into regarding such decision(s). 
  8. The prize is as stated and no cash or other alternatives will be offered. The prizes are not transferable. Prizes are subject to availability and we reserve the right to substitute any prize with another of equivalent value without giving notice. Except as specifically provided herein, all applicable taxes and usage charges on prizes are the sole responsibility of the winner. 
  9. This promotion is in no way sponsored, endorsed or administered by, or associated with Instagram, Twitter or any other Social Network or form of social media. You are providing your information to Cleo and not to any other party. 
  10. Entrants agree 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 held at the AAA regional office nearest the Entrant’s residence; (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 attorneys’ fees, other than Entrant’s actual out-of-pocket expenses (i.e., costs associated with entering this Sweepstakes), and Entrant further waives all rights to have damages multiplied or increased. 
  11.  No entry may contain any offensive or vulgar content or depict any pornographic or illegal act. Any entry containing inappropriate content, as determined by Cleo in its sole and absolute discretion, will be considered ineligible and will not be part of the Sweepstakes. By submitting an Entry, each Entrant agrees his or her Entry complies with these Official Rules. Each Entrant also agrees that Cleo may disqualify the Entrant from the Sweepstakes if Cleo believes, in its sole and absolute discretion, that an Entry fails to comply with these Official Rules. If Cleo rejects any entry, such Entry will be disqualified and will not be considered a valid entry. 
  12. By participating in this Sweepstakes, each Entrant agrees to release and hold Cleo and its respective parent companies, affiliates, subsidiaries, officers, directors, representatives, agents and employees, from any and all liability whatsoever for any injuries, losses or damages of any kind arising from or in connection with, either directly or indirectly from: 1) the awarding, acceptance, receipt, possession, use and/or misuse of any prize awarded herein; or 2) participation in the Sweepstakes or any prize-related activities.
  13. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of Entrants and Cleo in connection with this Sweepstakes, shall be governed by, and construed in accordance with, the substantive laws of the State of Delaware, USA without regard to Delaware’s choice of law rules.


By accepting either a Grand Prize or a Runner-Up Prize (as applicable), the winner(s) consents to Cleo's use of their name and image in any publicity material for legitimate business purposes, which may include advertising and promotional activities, without additional compensation, unless prohibited by law. Cleo’s Privacy Policy may be viewed here.

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