TERMS AND CONDITIONS

1. PROMOTER

1.1 The promoter of this competition is Edinburgh Insurance Brokers (“EIB”, “we”, “our” or “us”).

1.2 By entering this competition, participants agree to be bound by these Terms and Conditions.

2. ELIGIBILITY

2.1 Entry is open only to businesses operating from an EH postcode area.

2.2 The entrant’s principal trading address must be located within an EH postcode at the time of entry.

2.3 Entrants must be:

(a) at least 18 years of age; and

(b) the business owner, company director, partner, sole trader or an authorised decision-maker with authority to discuss and arrange the business’s insurance requirements.

2.4 Only one entry per business entity is permitted.

2.5 Employees, directors and immediate family members of EIB are not eligible to enter.

2.6 EIB reserves the right to request evidence of business ownership, authority and postcode eligibility.7

3. ENTRY REQUIREMENTS

3.1 To qualify as a valid entry, participants must:

(a) complete the official entry form;

(b) provide accurate business contact details;

(c) provide the business’s insurance renewal date;

(d) submit a copy of the current insurance schedule or equivalent insurance documentation requested by EIB;

(e) complete the EIB Business Insurance Questionnaire in full;

(f) participate in any reasonable insurance review process requested by EIB;

(g) consent to EIB contacting them regarding the competition, insurance review and future renewal opportunities.

3.2 Entries that are incomplete, inaccurate, misleading, fraudulent or otherwise fail to meet these requirements may be rejected at EIB’s discretion.

4. COMPETITION PERIOD

4.1 The competition shall remain open until 500 valid entries have been received and verified by EIB.

4.2 A valid entry shall be determined solely by EIB acting reasonably and in accordance with these Terms and Conditions.

4.3 EIB reserves the right to extend, suspend, amend or withdraw the competition where reasonably necessary due to circumstances beyond its control.

4.4 EIB’s determination regarding the validity of entries shall be final.

5. THE PRIZE

5.1 One winning business will receive payment towards its annual business insurance premium.

5.2 The prize value shall be equal to the annual premium of the winning business’s eligible policy, subject to a maximum contribution of £2,000 (inclusive of Insurance Premium Tax where applicable).

5.3 Examples:

(a) If the annual premium is £300, the prize value will be £300.

(b) If the annual premium is £1,250, the prize value will be £1,250.

(c) If the annual premium is £3,500, the prize value will be capped at £2,000.

5.4 No cash alternative is available.

5.5 The prize is non-transferable.

5.6 The prize shall only apply to an eligible business insurance policy arranged through EIB.

5.7 If the winning business chooses not to proceed with an insurance arrangement through EIB, the prize will be forfeited and EIB may select an alternative winner.

5.8 Where the winning business has already arranged its insurance through EIB prior to the winner being announced, the business shall remain eligible for the competition.

5.9 In such circumstances, EIB shall reimburse the winning business the value of the eligible insurance premium already arranged through EIB, up to a maximum of £2,000.

5.10 The reimbursement shall be made by bank transfer or such other method as EIB reasonably determines within 30 days of winner verification.

5.11 For the avoidance of doubt:

(a) businesses that have already placed insurance through EIB during the competition period remain eligible for the draw;

(b) businesses that arrange insurance through EIB before the draw is conducted shall not lose their entry;

(c) reimbursement shall be limited to the value of the eligible annual premium paid, subject to the maximum prize value of £2,000.

5.12 Where a winning business has multiple policies arranged through EIB, EIB may determine which policy shall be used for the purpose of calculating the prize value.

6. WINNER SELECTION

6.1 Following verification of 500 valid entries, one winner shall be selected at random from all valid entries.

6.2 EIB may require proof of identity, business ownership and authority before awarding the prize.

6.3 If a winner cannot be contacted, fails verification, declines the prize or otherwise becomes ineligible, EIB reserves the right to select an alternative winner.

6.4 EIB’s decision regarding winner selection shall be final.

7. PUBLICITY AND PROMOTIONAL ACTIVITY

7.1 As a condition of accepting the prize, the winning business agrees to:

(a) provide a written testimonial regarding its experience;

(b) participate in a video testimonial or recorded interview;

(c) participate in reasonable promotional activity relating to the competition;

(d) permit EIB to use the business name, representative’s name, photographs, video footage, testimonial content and associated marketing materials for promotional purposes.

7.2 The winner shall not be required to provide false, misleading or untruthful endorsements.

7.3 EIB may use such materials across its website, social media platforms, printed marketing materials, advertising campaigns and other promotional channels.

8.QUESTIONNAIRE DATA AND INDUSTRY RESEARCH

8.1 Participants acknowledge that information supplied through the EIB Business Insurance Questionnaire may be analysed by EIB for business, marketing, research and educational purposes.

8.2 EIB may publish aggregated and anonymised statistics, trends, findings and industry insights derived from competition entries.

8.3 Examples of such use may include reports, surveys, social media content, marketing campaigns, press releases, articles and educational content.

8.4 No confidential business information, policy details or personally identifiable information will be published without the participant’s prior consent.

9.DATA PROTECTION

9.1 Personal data will be processed in accordance with applicable data protection legislation and EIB’s Privacy Policy.

9.2 By entering, participants consent to EIB contacting them regarding:

(a) their competition entry;

(b) their insurance review;

(c) renewal opportunities;

(d) insurance-related products and services where legally permitted.

9.3 Participants may withdraw marketing consent at any time in accordance with applicable law.

9.4 Withdrawal of marketing consent shall not affect EIB’s ability to contact participants regarding administration of the competition where necessary.

10. LIMITATION OF LIABILITY

10.1 EIB accepts no responsibility for lost, delayed, corrupted, incomplete or misdirected entries.

10.2 Except where liability cannot legally be excluded, EIB shall not be liable for any loss, damage, cost or expense arising from participation in the competition or acceptance of the prize.

10.3 Nothing in these Terms and Conditions shall limit or exclude any liability that cannot legally be excluded under applicable law.

11.GENERAL

11.1 EIB reserves the right to amend these Terms and Conditions where reasonably necessary.

11.2 Any decision made by EIB in connection with the competition shall be final.

11.3 These Terms and Conditions shall be governed by the laws of Scotland.

11.4 Any dispute arising from or in connection with the competition shall be subject to the exclusive jurisdiction of the Scottish courts.