Actuaries in Focus Photo Challenge Official Rules
SOCIETY OF ACTUARIES
ACTUARIES IN FOCUS PHOTO CHALLENGE
OFFICIAL RULES
NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN. A PURCHASE OR PAYMENT WILL NOT INCREASE YOUR CHANCES OF WINING A PRIZE. ALL FEDERAL, STATE, LOCAL AND MUNICIPAL LAWS AND REGULATIONS APPLY. VOID WHERE PROHIBITED. Internet access is required to participate.
1. DESCRIPTION OF CONTEST: The "ACTUARIES IN FOCUS PHOTO CHALLENGE” campaign (“Contest”) will consist of participant photo submissions, with a total of 3 winners, to be selected by popular vote throughout the contest period in accordance with these Official Rules (“Rules”).
2. ELIGIBILITY: The “Sponsor” of the Contest is Society of Actuaries (“SOA”). The Contest is open only to legal residents of the contiguous United States (which excludes Alaska and Hawaii) and the District of Columbia. To enter, you (“you” or “Entrant”) must be at least eighteen (18) years old at the time of entry. Employees of Sponsor, as well as the immediate family (spouse, parents, siblings and children) and household members of each such employee, are not eligible to participate in the Contest. The Contest is subject to all applicable federal, state and local laws and regulations and is void where prohibited or restricted. Winning a prize is contingent upon fulfilling all requirements specified in these Official Rules. Sponsor reserves the right, at any time, to verify eligibility requirements, in any manner it deems appropriate. By participating in the Contest, you agree to be fully and unconditionally bound by these Rules, and you represent and warrant that you meet the eligibility requirements. Additionally, you agree to accept the decisions of Sponsor as final and binding in all matters relating to the Contest.
3. CONTEST PERIOD: Entries will be accepted online for a period of 4 days beginning on Sunday, October 27, 2024, at 9 a.m. Central Time ("CT") and ending on Wednesday, October 30, 2024, at 11:59 p.m. CT (the "Contest Period").
4. HOW TO ENTER: The Contest will be hosted on Instagram via Instagram Stories at @soactuaries during the Contest Period. Entrants simply need to submit photos to candidatecomms@soa.org” to be entered into the Content. Winners will be selected randomly during the Contest Period, and each Entrant meeting the eligibility requirements will be eligible to win a prize.
5. ENTRY REQUIREMENTS: By submitting an entry in the Contest, Entrant agrees to these Official Rules and that the decisions of Sponsor which are final and binding.
6. PRIZE DETAILS/ODDS: The winners of the Contest (the “Winners”) will receive the prizes described below:
Three winners will be selected based on the most “votes” on Instagram Stories. There will be three (3) prizes awarded in this Contest: one (1) US $50 for First Prize and one (1) SOA swag bag for Second Prize; one (1) SOA swag bag for Third Prize. The merchandise items may include any one of the following: Bluetooth speaker, beverage tumbler, computer sleeve, and similar SOA-branded items. Actual prizes will depend upon availability of items at the time of giveaway, randomly determined for each winner.
The specifics of the prize shall be solely determined by Sponsor. No cash substitution shall be permitted. No other prize substitution shall be permitted except by Sponsor at Sponsor’s discretion. Sponsor, at Sponsor’s discretion, may substitute any prize with one of comparable value excluding cash. Each prize is nontransferable. Any and all prize-related costs, fees and expenses, including, without limitation, any and all federal, state and/or local taxes, associated with a prize shall be the sole responsibility of each Winner unless specifically provided for herein. No substitution of prize or request of transfer or assignment of a prize to others, or request for the cash equivalent by a Winner is permitted.
By accepting a prize, Winner grants (and agrees to confirm that grant in writing) permission to Sponsor and those acting under Sponsor’s authority the right to the use Winner’s name, photograph, likeness, voice, image and biographical information and any statements relating to the entry for advertising, trade, publicity and promotional purposes without compensation, in all media, including without limitation, all Social Media, now known or hereafter discovered, worldwide and on the Internet and World Wide Web, without notice, review or approval.
7. ODDS: The odds of winning depend on the number of eligible entries received.
8. WINNER SELECTION AND NOTIFICATION: Winners will be selected by Sponsor after the Contest Period specified above in Section 3 [Contest Period] from eligible Entrants. Winners will be randomly selected by Sponsor. Each Winner must submit contact information and mailing address via email within 48 hours of being notified by email or text as specified by Sponsor in the Winner notification to receive the prize. Sponsor shall have no liability whatsoever for any Winner’s failure to receive notices due to spam, junk e-mail, or other security settings or for any Winner’s provision of incorrect or otherwise non-functioning contact information. If a Winner cannot be contacted, is ineligible, fails to claim the prize within the time period specified in the award notification, or fails to timely return a completed and executed declaration and release as required, the prize will be considered forfeited (at Sponsor’s sole discretion) and an alternate Winner selected.
Receipt by a Winner of the prize offered in the Contest is conditioned upon compliance with any and all federal, state, and local laws and regulations. ANY VIOLATION OF THESE OFFICIAL RULES BY A WINNER, AS DETERMINED BY SPONSOR AT SPONSOR’S SOLE DISCRETION, WILL RESULT IN A WINNER’S DISQUALIFICATION AS A WINNER, AND ALL PRIVILEGES AS A WINNER WILL BE IMMEDIATELY TERMINATED.
9. RELEASE & LIMITATION OF LIABILITY: By entering into the Contest, you agree to release and hold harmless Instagram and Sponsor and their respective subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, independent contractors, consultants, officers, directors, members and managers from any liability, illness, injury, death, loss, litigation, claim, allegation or damage that may occur, directly or indirectly, whether caused by negligence or not, from: (a) such Entrant’s participation in the Contest and/or Entrant’s acceptance, possession, use, or misuse of any prize or any portion thereof; (b) technical failures of any kind, including but not limited to the malfunction of any computer, cable, network, hardware, or software, or other mechanical equipment; (c) the unavailability or inaccessibility of any transmissions, telephone, or Internet service; (d) unauthorized human intervention in any part of the entry process or the Contest; and/or (e) electronic or human error in the administration of the Contest or the processing of entries.
10. GENERAL PROVISIONS: Sponsor is not responsible if entries are not received, no matter what the reason even if known in advance, or other errors of any kind whether human, mechanical, electronic or network or the incorrect or inaccurate capture of entry or the failure to capture any such information. Persons who tamper with any aspect of the Contest, as solely determined by Sponsor, will be disqualified. Any use of robotic, automatic, macro, programmed or like entry methods will void all such entries and disqualify any entrant using such methods. Should any portion of the Contest be, in Sponsor’s sole opinion, compromised by virus, worms, bugs, non-authorized human intervention, technical failures or other causes which, in the sole opinion of Sponsor, corrupt or impair the administration, security, fairness or proper participation, or submission of entries, Sponsor reserves the right at its sole discretion to suspend, modify or terminate the Contest. In case of a dispute, the authorized subscriber of the email account used to enter the Contest at the actual time of entry will be deemed to be the Entrant and must comply with these Official Rules.
11. DISPUTES, ARBITRATION, CHOICE OF LAW: THIS CONTEST IS GOVERNED BY THE LAWS OF THE STATE OF ILLINOIS, USA, WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. Except where prohibited by applicable law, as a further condition of participating in this Contest, you agree that: (a) any and all disputes that cannot be resolved between the parties, and all claims and causes of action arising out of or connected with this Contest, or any prize awarded in this Contest, shall be resolved individually, without resort to any form of class action or other multi-party action, or other similar action, and exclusively by final and binding arbitration under the rules of the American Arbitration Association; however, if arbitration is not permitted as the exclusive dispute mechanism, then exclusively before a court in the State of Illinois, USA, having jurisdiction; (b) the Federal Arbitration Act shall govern the interpretations, enforcement and all proceeding at such arbitration; (c) judgment upon such arbitration award may be entered in any court having jurisdiction; (d) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Contest, but excluding attorneys’ fees; and (e) under no circumstances will Entrant be permitted to obtain awards for, and Entrant hereby waives all rights to claim, indirect, punitive, incidental and consequential damages and any other damages other than actual out-of-pocket expenses, excluding attorneys’ fees whether or not Entrant incurred actual out-of-pocket costs for attorneys’ fees. Entrant hereby further waives any and all rights to have damages multiplied or increased.
12. PRIVACY POLICY: Information submitted with an entry is subject to the Privacy Policy stated on the Society of Actuaries website at https://www.soa.org/legal/privacy-policy/ .
14. WINNERS’ LIST: To request the name and address (city/state only) of the winner(s), send an email on or after November 8, 2024, to candidatecomms@soa.org with “Winner’s List – Actuaries in Focus Photo Challenge, Attn: Savannah Saunders” in the “subject” line of the email header. Requests must be received no later than November 22, 2024, 9:00 p.m. CT.
15. SPONSOR: The Sponsor of the Contest is Society of Actuaries, 8770 West Bryn Mawr Avenue, Suite 1000, Chicago, Illinois, USA, 60631. For correspondence other than a Winners’ List, send via email to candidatecomms@soa.org “Actuaries in Focus Photo Challenge, Attn: Savannah Saunders” in the “subject” line of the email header.
16. The Contest is in no way sponsored, endorsed, administered by, or associated with Instagram