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Terms & Conditions

ELIGIBILITY IS LIMITED TO INDIVIDUALS WHO RECEIVE AN INVITATION TO REGISTER FOR THE CONTEST AT A PHILADELPHIA INSURANCE COMPANIES (“PHLY”) PRODUCT FAIR. By participating, entrants agree to be bound by the rules set forth herein and the decisions of PHLY. All applicable federal, state and local taxes are the sole responsibility of winners. All federal, state and local laws and regulations apply. PHLY reserves the right to substitute any prize with a prize of equal or greater value.

Acceptance of any prize constitutes permission for PHLY to use winners’ name, voice, statements, image and likeness for purposes of advertising and trade, in any medium, without further compensation, unless prohibited by law. Submission of contact information in connection with this contest (whether or not required), including mailing address, phone number, and email address, during entry constitutes permission for PHLY to add entrant to PHLY’s customer database and to contact entrant in the future for promotional and/or other reasons. You may opt-out of receiving such communications as set forth in PHLY’s Privacy Policy located at www.phly.com or as provided within any such marketing materials (e.g., using the “Unsubscribe” feature provided in the footer of PHLY’s emails).

ADDITIONAL TERMS AND CONDITIONS: PHLY shall not be responsible for any typographical or other error, the offering or the announcement of any prize or in the administration of the promotion, whether caused by computer, technical or human error. Winners assume all liability and agree to release and hold PHLY harmless for any injury or damage caused, or claimed to be caused, by participation in this promotion, or use or redemption of any prize. PHLY is not responsible for late, lost, damaged, incomplete, illegible, faulty, or incorrect transmissions, incorrect announcements of any kind, technical hardware or software failures of any kind, any damage to any person’s computer related to or resulting from participating in the online portion of the promotion, lost or unavailable network connections, or failed, incomplete, garbled or delayed computer transmission that may limit a user’s ability to participate in the contest whether caused by computer, technical or human error.

As a condition of participating in this contest, participant agrees that any and all disputes which cannot be resolved between the parties, and any and all causes of action arising out of or connected with this contest shall be resolved individually, without resort to any form of class action, exclusively, before a court of competent jurisdiction located in the Commonwealth of Pennsylvania. All terms and conditions of this contest shall be construed according to, and any disputes shall subject to, the laws of the Commonwealth of Pennsylvania. PHLY reserves the right to cancel or modify the contest for any reason, including but not limited to, if fraud, misconduct or technical failures destroy the integrity of the contest; or if a computer virus, bug, wireless failure, or other technical problem corrupts the administration, security, or proper administration of the contest as determined by PHLY, in its sole discretion. PHLY reserves the right to disqualify, freeze or prohibit the participation of an individual if fraud or tampering is suspected, or if the individual fails to comply with any requirement of participation or with any provision in these rules.

Any attempt to undermine the operation of this contest is a violation of criminal & civil laws. PHLY reserves the right to disqualify and/or seek damages from any individual making any such attempts to the full extent permitted by law.

PHLY: Philadelphia Insurance Companies 231 St. Asaphs Road, Bala Cynwyd, PA 19004