1. Eligibility: This Trivia Challenge is open only to those who are members of Facebook and have “liked” the Insurance Advisors of St. Louis, Inc. Facebook page.  They must be 18 years of age or older as of the date of trivia answer entry.  The Trivia Challenge is only open to legal residents of Illinois and Missouri, and is void where prohibited by law. Employees of Insurance Advisors of St. Louis, Inc., its affiliates, subsidiaries, advertising and promotion agencies, and suppliers, (collectively the “Employees”), and immediate family members and/or those living in the same household of Employees are not eligible to participate in the Trivia Challenge. The Trivia Challenge is subject to all applicable federal, state, and local laws and regulations. Void where prohibited.
  2. Agreement to Rules: By participating, the Contestant (here after referred as to You) agree to be fully unconditionally bound by these Rules, and You represent and warrant that You meet the eligibility requirements. In addition, You agree to accept the decisions of Insurance Advisors of St. Louis as final and binding as it relates to the content of this Trivia Challenge.
  3. Trivia Challenge Time Period: Entries will be accepted online on Facebook starting immediately after the Trivia Challenge question is posted and ending at 4:00 pm on the following Friday.    If no one answers the Trivia Challenge question by 4:00pm that particular question will be considered removed from competition.
  4. How to Enter: The Trivia Challenge must be entered by submitting a post on Facebook with the correct answer. The entry must fulfill all Campaign requirements, as specified, to be eligible to win a prize. Entries that are incomplete or do not adhere to the rules or specifications may be disqualified at the sole discretion of Insurance Advisors of St. Louis, Inc. You may enter only once. You must provide the information requested. You may not enter more times than indicated by using multiple email addresses, identities, or devices in an attempt to circumvent the rules. If You use fraudulent methods or otherwise attempt to circumvent the rules, your submission may be removed from eligibility at the sole discretion of Insurance Advisors of St. Louis, Inc.
  5. Prizes: The Winner of the Trivia Challenge will receive an award as listed. Actual/appraised value may differ at time of prize award. The specifics of the prize shall be solely determined by Insurance Advisors of St. Louis, Inc. No cash or other prize substitution shall be permitted except at Insurance Advisors of St. Louis, Inc. discretion. The prize is nontransferable.  Any and all prize-related expenses, including without limitation any and all federal, state, and/or local taxes, shall be the sole responsibility of Winner. No substitution of prize or transfer/assignment of prize to others or request for the cash equivalent by Winner is permitted.
  6. Odds: The odds of winning depend on the number of eligible entries received.
  7. Winner Selection and Notification: The Winner will be chosen at random from a pool of all of the participants with the correct answer.  The Winner will be contacted by Insurance Advisors of St. Louis, by direct message. The Winner may contact Insurance Advisors of Saint Louis, Inc. by either an e-mail, direct message or by telephone to arrange delivery of prize.  The Winner must contact Insurance Advisors of St. Louis, Inc. within five (5) days following selection of Winner.  Insurance Advisors of St. Louis, Inc. shall have no liability for Winner’s failure to receive notices due to spam, junk e-mail or other security settings or for Winner’s provision of incorrect or otherwise non-functioning contact information. If Winner cannot be contacted, is ineligible, fails to claim the prize within 5 days from the time award notification was sent, or fails to timely return a completed and executed declaration and release as required, the prize may be forfeited and an alternate Winner selected.
  8.  Terms & Conditions: Insurance Advisors of St. Louis, Inc. reserves the right, in its sole discretion, to cancel, terminate, modify or suspend the Trivia Challenge should virus, bug, non-authorized human intervention, fraud, or other cause beyond Insurance Advisors of St. Louis, Inc.’s control corrupt or affect the administration, security, fairness, or proper conduct of the Trivia Challenge. In such case, Insurance Advisors of St. Louis, Inc. may select the Winner from all eligible entries received prior to and/or after (if appropriate) the action taken by Insurance Advisors of St. Louis, Inc. Insurance Advisors of St. Louis, Inc., reserves the right, in its sole discretion, to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the Trivia Challenge or website or violates these Terms & Conditions.  Insurance Advisors of St. Louis, Inc. has the right, in its sole discretion, to maintain the integrity of the Trivia Challenge, to void entries for any reason, including, but not limited to: multiple entries from the same user from different IP addresses; multiple entries from the same computer in excess of that allowed by Trivia Challenge rules; or the use of bots, macros, scripts, or other technical means for entering. Any attempt by an entrant to deliberately damage any website or undermine the legitimate operation of the Trivia Challenge may be a violation of criminal and civil laws. Should such attempt be made, Insurance Advisors of St. Louis, Inc. reserves the right to seek damages to the fullest extent permitted by law.
  9. Limitation of Liability: By entering, You agree to release and hold harmless Insurance Advisors of St. Louis, Inc. and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers, and directors from any liability, illness, injury, death, loss, litigation, claim, or damage that may occur, directly or indirectly, whether caused by negligence or not, from: (i) such entrant’s participation in the Trivia Challenge and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof; (ii) technical failures of any kind, including but not limited to the malfunction of any computer, cable, network, hardware, or software, or other mechanical equipment; (iii) the unavailability or inaccessibility of any transmissions, telephone, or Internet service; (iv) unauthorized human intervention in any part of the entry process or the Promotion; (v) electronic or human error in the administration of the Promotion or the processing of entries.
  10. Disputes: THIS Trivia Challenge IS GOVERNED BY THE LAWS OF the United States of America and the states of Missouri and Illinois, WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. As a condition of participating in this Trivia Challenge, participant agrees that any and all disputes that cannot be resolved between the parties, and causes of action arising out of or connected with this Trivia Challenge, shall be resolved individually, without resort to any form of class action, exclusively before a court located in Missouri or Illinois having jurisdiction. Further, in any such dispute, under no circumstances shall participant be permitted to obtain awards for, and hereby waives all rights to, punitive, incidental, or consequential damages, including reasonable attorney’s fees, other than participant’s actual out-of-pocket expenses (i.e. costs associated with entering this Campaign). Participant further waives all rights to have damages multiplied or increased.
  11. Sponsor: The Sponsor of the Trivia Challenge is Insurance Advisors of St. Louis, Inc.
  12. Facebook: The Trivia Challenge hosted by Insurance Advisors of St. Louis, Inc. is in no way sponsored, endorsed, administered by, or associated with Facebook.