mother’s day sweepstakes official rules

NO PURCHASE OR INSURANCE QUOTE NECESSARY TO ENTER OR WIN. A PURCHASE OR INSURANCE QUOTE WILL NOT INCREASE YOUR CHANCE OF WINNING. ODDS OF WINNING WILL DEPEND ON THE TOTAL NUMBER OF ELIGIBLE ENTRIES RECEIVED. VOID WHERE PROHIBITED OR RESTRICTED BY LAW. ALL FEDERAL, STATE, AND/OR LOCAL LAWS, RULES, REGULATIONS AND ORDINANCES APPLY.

SPONSOR: OUR LIFE COVERED℠ the marketing and sales site of the agency, My Life Covered LLC. 16600 Swingley Ridge Road, Chesterfield, MO 63017

OFFICIAL RULES: The Our Life Covered Mother’s Day Sweepstakes (“Sweepstakes”) is governed by these official rules (“Official Rules”). Please read them carefully. By participating in the Sweepstakes, each entrant agrees to abide by these Official Rules, including all eligibility requirements, and understands that the results of the Sweepstakes, as determined by the Sponsor and its advisors or designees, are final in all respects.

SWEEPSTAKES PERIOD: The Sweepstakes starts at 12:00 AM (EST) on May 11, 2018 and runs through May 31, 18 at 11:59 AM (EST), with the potential winners being selected on approximately June 6, 2018 Sponsor’s computer clock will be the official timekeeper for this Sweepstakes.

ELIGIBILITY: This Sweepstakes is open to legal residents of the fifty (50) United States who have reached the age of eighteen (18) at the time of entry. Employees of the Sponsor, and its parent, affiliates, subsidiaries, advertising and promotion agencies involved with this Sweepstakes (collectively, “Entities”), and the immediate family members and/or those living in the same household of such persons, are not eligible to enter the Sweepstakes.

HOW TO ENTER: Eligible entrants (“Entrant”) may enter by following Our Life Covered on https://www.instagram.com/ourlifecovered/, posting a photo (new or regram) showing whom or what you would protect with life insurance using the hashtag #lovelikeamother and tagging two friends who also might want to enter. Only one entry per person regardless of web address or account used to submit the entry. NOTE: Internet entry must be made by an individual entrant, entries made by bot or script are not eligible to win. Sponsor is not responsible for any lost, late, incomplete, damaged, stolen, misdirected, undelivered or undeliverable, non-transmitted or partially transmitted, incorrect, corrupt or illegible entries.

SWEEPSTAKES PRIZE: FIVE (5) PRIZES consisting of an Our Life Covered, love like a mother t-shirt, will be awarded to FIVE (5) verified Winners. Approximate Retail Value (“ARV”) of Prize $10.00. Incidental expenses and all other costs and expenses that are not specifically listed as part of a prize in these Official Rules and that may be associated with the award, acceptance, receipt and use of all or any portion of the awarded prize are solely the responsibility of the respective prize winner. All Federal, state and local taxes associated with the receipt or use of any prize are solely the responsibility of the winner. Limit one prize per person per household.

GENERAL PRIZE CONDITIONS: Prizes will be delivered only to an address in the United States. Prize is non-assignable and non-transferable. No substitution or cash equivalent of prizes is permitted; however, Sponsor reserves the right to substitute any prize with another of equal value. Sponsor and its respective parent, affiliate and subsidiary companies, advisors, and representatives are not responsible for any typographical or other errors in the offer or administration of the Sweepstakes, including, but not limited to, errors in any printing or posting or these Official Rules, the selection and announcement of any potential Winner, or the distribution of any prize.

SELECTION OF WINNER AND ODDS STATEMENT: Five (5) potential Winners will be selected at random from all eligible entries on or about June 6, 2018. The potential Winners are subject to verification. All decisions of Sponsor or Sponsor’s advisors or designees are final and binding in all matters related to this Sweepstakes, including but not limited to, decisions about the administration of this Sweepstakes, selection of the potential Winner, verification of the Winner and the award of any prize. The odds of winning will be determined by the number of eligible entries received.

POTENTIAL WINNER NOTIFICATION AND PRIZE ACCEPTANCE: Sponsor will attempt to notify the potential Winner via direct message over Instagram. The potential Winners will have 10 days from successfully being notified by one of the means listed above to claim the Prize. Sponsor is not responsible for potential Winners’ failure to receive prize notification due to technical failure, security settings of any kind, or potential Winners’ failure to properly enter or correctly provide adequate means of making contact for notification purposes or providing incorrect or nonfunctioning contact information or identification.

Except where prohibited by law, in order to claim the Prize, each potential Winner may be required sign and return, an Affidavit of Eligibility and a Release of Liability and Publicity within the allotted 10 days from notification. If the potential Winner is ineligible, chooses to forfeit the Prize, cannot be notified, or fails to timely return a properly completed and signed Affidavit of Eligibility and a Release of Liability and Publicity, the Prize will be forfeited. In the event that more than one individual responds to any single potential Winner notification and claims to be the Entrant who posted the selected Entry, the Sponsor reserves the right, in its sole discretion, to disqualify the entry associated with the account used to make the entry. If a potential Winner forfeits or is disqualified for any reason, an alternate potential Winner will be selected at random for all remaining eligible entries on or about June 16, 2018.

ACKNOWLEDGEMENT: By entering this sweepstakes, the entrant acknowledges that Instagram® and its respective parents, affiliates, and subsidiaries are in no way sponsoring, endorsing, administering, or associated with this Sweepstakes.

GENERAL RULES: Sponsor reserves the right in its sole and unfettered discretion to disqualify any individual who does not meet the eligibility requirements or comply with any other provisions of these Official Rules or any social media or website terms of service.

By participating in this Sweepstakes, entrant warrants and represents that any photograph that is part of an entry or other submission is original, has not been previously published, has not previously won any award, complies with any and all applicable website, community or social media site guidelines and/or terms of use, and does not contain any material that is defamatory or that would otherwise violate or infringe upon the rights of any third party, including, patents, copyrights, trademarks or rights of privacy or publicity, complies with these Official Rules, and does not violate any federal, state or local laws, regulations or ordinances. Entries, comments and content submitted or uploaded to any website, social media sites or other public sites in connection with this Sweepstakes (collectively “Content Submissions”) may not contain, depict or show any content that: (1) is sexually explicit or suggestive; offensive, lewd, profane, obscene, or contains nudity, racist innuendo or constitutes hate speech; (2) promotes any activity that may be or appear to be unsafe or dangerous, includes any political agenda or message; (3) defames, misrepresents or contains disparaging remarks about Sponsor or other companies, entities or individuals; or (4) violates any third-parties intellectual property rights; (5) contains any personally identifiable information or otherwise infringes on the privacy rights of any person other than the entrant. By submitting an entry and/or Content Submission that contains the personally name or likeness or personally identifiable information of a person other than the entrant who submitted the entry and/or Content Submission, the entrant represents and warrants that he/she has obtained the consent of such person to the use of the their name or likeness or other personally identifiable information for the purpose of submitting an entry or Content Submission in this Sweepstakes.

Sponsor reserves the right, without prior notice and at any time, to terminate the Sweepstakes, in whole or in part, or modify, suspend or extend the Sweepstake or Sweepstakes materials in any way, if it determines, in its sole discretion, that the Sweepstakes is impaired or corrupted or that fraud or technical problems, failures, malfunctions, or errors have destroyed or severely undermined the integrity, and/or feasibility of the Sweepstakes. In the event Sponsor is prevented from continuing with the Sweepstakes as contemplated herein by any event beyond its control, including but not limited to fire, flood, natural or man-made health epidemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, satellite or equipment failure, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared) or any federal, state, provincial or local government law, order, or regulation, public health crisis, order of any court or jurisdiction, or other cause not reasonably within Sponsor's control (each a "Force Majeure" event or occurrence), then subject to any governmental approval which may be required, Sponsor shall have the right to modify, suspend, extend or terminate the Sweepstakes. Only the type and quantity of prizes described in these Official Rules will be awarded.

Entrant understands and agrees that no confidential or fiduciary relationship is established by entering the Sweepstakes hereunder and nothing in these Rules shall be deemed to place Sponsor in any different position from anyone else to whom Entrant has not entered the Sweepstakes.

Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision.

GOVERNING LAW: These Rules shall be governed by, and construed in accordance with, the laws of the State of Missouri U.S.A., exclusively without giving effect to the conflict of laws rules thereof. This includes all issues related to the enforcement or interpretation of these Rules including the application of the Dispute Resolution provision. Any claims, whether tort, contractual, statutory, or of any kind whatsoever and whether heard in arbitration or otherwise shall also be governed exclusively by the laws of the State of Missouri. Also, any matters or proceedings which are not subject to arbitration as set forth in these Rules and/or for entering any judgment on an arbitration award, shall take place in the State of Missouri, in the city of Chesterfield.

PUBLICITY: By participating in this Sweepstakes, each entrant agrees to allow the Sponsor and Sponsor's designees the perpetual right to use his/her name, address (city and state), biographical information, photos, picture, portrait, likeness, voice and/or statements regarding the Contest and/or Sponsor for promotion, trade, commercial, advertising and publicity purposes, at any time or times, in all media now known or hereafter discovered, including live television, worldwide, including, but not limited to, on the World Wide Web and Internet, without notice, review or approval and without additional compensation, except where prohibited by law.

PRIVACY: Any personally identifiable information collected during the Contest shall be treated in accordance with Sponsor’s Privacy Policy, available at https://www.ourlifecovered.com/privacy-policy.

DISPUTE RESOLUTION: By participating in the Sweepstakes, you agree that any claim, dispute, or controversy (whether in contract, tort, or otherwise) you may have against the Sponsor arising out of, relating to, or connected in any way with the Sweepstakes, including the determination of the scope, enforceability or applicability of this agreement to arbitrate, will be resolved exclusively by final and binding confidential arbitration administered by American Arbitration Association ("AAA") and conducted before a sole arbitrator admitted to practice law for at least fifteen (15) years pursuant to the applicable Rules and Procedures established by AAA. The sole arbitrator shall not have the power to award punitive, consequential, special, or exemplary damages. Any arbitration hearing will be conducted in Chesterfield, Missouri, or another location agreed to by the parties and reasonably convenient for the parties. NO PARTY IS ENTITLED TO BRING CLAIMS, NOR SHALL ANY CLAIMS BE HEARD, ON A CLASS, REPRESENTATIVE, OR OTHER JOINT BASIS, AND THE ARBITRATOR CAN DECIDE ONLY PARTICIPANT’S OR SPONSOR’S INDIVIDUAL CLAIMS. IN NO EVENT MAY THE ARBITRATOR CONSOLIDATE OR JOIN THE CLAIMS OF ANY PERSON OR PARTY, WHETHER OR NOT ON THE BASIS THAT THEY ARE SIMILARLY SITUATED.

JURY WAIVER: NO PARTY WILL BE ENTITLED TO A TRIAL BY JURY.

LIMITATION OF LIABILITY: By participating in the Contest you hereby release and agree to hold the Sponsor harmless from and against any and all costs, injuries, losses or damages of any kind, including, without limitation, property damage, death and bodily injury (whether due to negligence or otherwise), due in whole or in part, directly or indirectly, to participation in the Sweepstakes or any Sweepstakes-related activity, or participation in any prize-related activities, or the receipt, use or misuse of any prize. You waive the right to assert as a cost of winning any prize, any and all costs of verification and redemption or travel to claim said prize and any liability and publicity which might arise from claiming or seeking to claim said prize.

RELEASE OF SPONSOR AND SOCIAL MEDIA PLATFORMS: By entering, you agree to fully release and discharge, indemnify, and hold harmless Instagram® and Sponsor and their parents, divisions and subsidiaries, and their respective advisors, affiliates, agencies, licensees, employees, officers, directors, shareholders, representatives and independent contractors (“Released Parties”) and each of the Released Parties’ respective directors, officers, owners, employees, advisors, and representatives, from all claims, demands, costs, expenses, liability, losses or damages of any kind whatsoever resulting from your participation, or attempted participation, in the Sweepstakes, or of your acceptance, use, or misuse of a Prize, including liability for personal injury or death.

DISCLAIMER OF WARRANTIES. THE SPONSOR MAKES NO WARRANTIES, AND HEREBY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESSED OR IMPLIED, CONCERNING ANY PRIZE IN CONNECTION WITH THE SWEEPSTAKES. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, SUCH PRIZES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, AND THE SPONSOR HEREBY DISCLAIMS ALL SUCH WARRANTIES, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND/OR NON-INFRINGEMENT. SOME STATES DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY.

OFFICIAL RULES: These Official Rules will be available at https://www.ourlifecovered.com/sweepstakes-rules or by mailing a self-addressed, stamped envelope to: 16600 Swingley Ridge Road, Chesterfield, MO 63017 attn: Our Life Covered Instagram Sweepstakes. All requests for copies of the rules must be received by 6/1/18. Only one copy of the rules will be sent per envelope. Vermont Residents may exclude return postage.

WINNERS’ LIST: For a list of the names of winners, send a separate, stamped, self-addressed envelope to: 16600 Swingley Ridge Road, Chesterfield, MO 63017 attn: Our Life Covered Instagram Sweepstakes. Requests must be received no later than one month after the conclusion of the Sweepstakes.