BRAGG INSURANCE AGENCY REFERRAL GIVEAWAY PROGRAM — OFFICIAL RULES

NO PURCHASE IS NECESSARY TO ENTER OR WIN.
A PURCHASE OR QUOTE DOES NOT INCREASE THE CHANCES OF WINNING.
VOID OUTSIDE THE STATE OF INDIANA AND WHERE PROHIBITED BY LAW.

These Official Rules (“Rules”) govern the Bragg Insurance Agency Referral Giveaway Program (“Giveaway”) sponsored by Bragg Insurance Agency, located in Sheridan, Indiana (“Sponsor”). By participating, all entrants agree to be bound by these Rules and the decisions of the Sponsor, which are final and binding in all matters relating to the Giveaway.

1. GIVEAWAY PERIOD

The Giveaway begins January 1, 2026 at 12:00 AM ET and ends March 31, 2026 at 11:59 PM ET (“Promotion Period”).
All entries must be received within the Promotion Period to be eligible.

The Grand Prize drawing will be held Thursday, April 2, 2026 at 12:00 PM ET via Facebook Live on the Bragg Insurance Agency Facebook page.

2. ELIGIBILITY

The Giveaway is open only to legal residents of the State of Indiana, who are 18 years of age or older at the time of entry.

The following individuals are NOT eligible to participate or win:

  • Employees, contractors, and representatives of Bragg Insurance Agency

  • Immediate family members of employees (defined as spouse, parent, sibling, child, or any person residing in the same household)

  • Insurance carriers, vendors, and business partners of the Sponsor

  • Any person who submits false, incomplete, fraudulent, or misleading referral information

The Sponsor reserves the right to verify eligibility of all entrants.

3. HOW TO ENTER

A “Referral Entry” is earned when an eligible participant (“Referrer”) provides the name and valid contact information of an individual (“Referred Person”) who has a legitimate insurance need and who completes a quote conversation with Sponsor.

To qualify for entry, all of the following conditions must be met:

  1. The Referrer must submit the Referred Person’s name and contact information.

  2. The Referred Person must have a genuine and reasonable need for insurance.

  3. The Referred Person must participate in a quote conversation with Sponsor.

  4. The Referred Person must provide accurate and necessary rating information.

  5. The Referred Person is not required to purchase a policy.

Entry Allocation:

For each Referred Person who completes the quote process, the Referrer will receive:

  • One (1) entry per insurance product quoted

    • Example: Auto = 1 entry

    • Auto + Home = 2 entries

    • Auto + Home + Umbrella = 3 entries

All valid entries will be recorded and stored digitally in AgencyZoom, Sponsor’s CRM system.
Entries do not carry over to future programs outside the Promotion Period.

4. ADDITIONAL RANDOM DRAWINGS

During the Promotion Period, Sponsor may, at its sole discretion, conduct additional random drawings for smaller prizes, including but not limited to $10 gift cards (“Bonus Prizes”).

All entries accumulated during the Promotion Period are eligible for any such Bonus Prize drawings.
The number, timing, and value of Bonus Prize drawings will be determined solely by Sponsor and announced via Sponsor’s social media channels.

5. PRIZES

Monthly Prizes:

One (1) winner will be randomly selected each month (January, February, and March 2026) to receive:

  • One (1) $50 Gift Card
    (Retail value: $50 each month)

Grand Prize:

One (1) winner will be randomly selected on April 2, 2026 to receive:

  • One (1) 50" Flat Screen TV
    (Retail value: approximately $300)

Bonus Prizes:

Prize values will vary (typically $10 gift cards).
Odds of winning depend on the number of eligible entries at the time of each drawing.

General Prize Conditions:

  • No substitution, transfer, or cash equivalent of prizes permitted except by Sponsor.

  • Winners must pick up prizes at Sponsor’s office within thirty (30) days of notification unless otherwise arranged.

  • The Sponsor may require identification to release a prize.

6. WINNER SELECTION AND NOTIFICATION

Winners will be selected via random drawing from all eligible entries on record in AgencyZoom.

Winners will be notified by:

  1. Phone call,

  2. Email (if available), and

  3. Public announcement on the Sponsor’s Facebook page.

Winners have 30 days from the date of notification to claim their prize.
Failure to claim a prize within 30 days will result in forfeiture, and Sponsor has no further obligation to the winner.

7. ODDS OF WINNING

Odds of winning depend entirely on the number of eligible entries received during the Promotion Period.

8. PUBLICITY RELEASE

By accepting a prize, winners grant Sponsor the right to use their name, city, likeness, photograph, video, and statements for advertising and promotional purposes, including social media, without further compensation, except where prohibited by law.

9. DATA USE AND PRIVACY

By participating, entrants consent to Sponsor’s use of their personal information for:

  • Contacting Referred Persons for insurance quotes

  • Contacting entrants regarding the Giveaway

  • Adding participants to Sponsor’s marketing lists (email/text), with the right to opt out

  • Announcing winners on social media and marketing channels

Personal information will not be sold or disclosed to third parties except as necessary to operate the Giveaway.

10. GENERAL CONDITIONS

Sponsor reserves the right, in its sole discretion, to modify, suspend, or terminate the Giveaway at any time for any reason, including but not limited to fraud, technical issues, or any factor that impairs the integrity of the Giveaway.

Sponsor also reserves the right to disqualify any individual who tampers with the entry process, submits fraudulent referrals, or violates these Rules.

All decisions made by Bragg Insurance Agency regarding the interpretation and application of these Rules are final and binding.

11. LIMITATION OF LIABILITY

By participating, entrants agree that Sponsor and its employees, agents, and representatives are not responsible for:

  • Late, lost, incomplete, or misdirected entries

  • Technical failures of any kind

  • Errors in printing, administration, or prize announcement

  • Any injury, loss, or damage arising from participation or use of a prize

Entrants agree to release and hold Sponsor harmless from any and all liability arising from participation or prize use.

12. GOVERNING LAW

This Giveaway is governed by the laws of the State of Indiana, without regard to conflict of law principles.

13. DISPUTE RESOLUTION

Any dispute, claim, or controversy arising out of or relating to this Giveaway or these Official Rules shall be resolved exclusively by binding arbitration. The arbitration shall be administered by a neutral third-party arbitrator and conducted pursuant to the Commercial Arbitration Rules of the American Arbitration Association (“AAA”) or a comparable nationally recognized arbitration service if AAA is unavailable.

Arbitration shall take place in the State of Indiana, unless otherwise mutually agreed by the parties.
Each party shall be responsible for its own attorneys’ fees and costs, unless otherwise required by applicable law.

The arbitrator’s decision shall be final and binding, and judgment on the award may be entered in any court having jurisdiction.
Entrants expressly waive the right to bring or participate in any class action or class arbitration.

SPONSOR

Bragg Insurance Agency

930 South White Ave.

Sheridan, Indiana
www.bragginsurance.com
317-758-5828