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Disclaimers

Policy Discounts

THIS DISCOUNT IS FOR THE PURPOSE OF SOLICITING SALES OF INSURANCE PRODUCTS. Void where prohibited by law and outside the United States. Subject to all federal, state, and local laws, regulations, and ordinances.

The information provided here is an overview of the referenced product and is not intended to be a complete description of all terms, conditions, and exclusions.

While we believe the estimated discounts and savings are reliable and accurate, we do not warrant the accuracy or reliability of the information. The information is not intended to replace manuals, instructions or information provided by The Dentists Insurance Company (TDIC) or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These discounts are not a complete list of every loss control measure. TDIC and TDIC Insurance Solutions, Inc. make no guarantees of results from the use of this information.

THIS DISCOUNT IS FOR THE PURPOSE OF SOLICITING SALES OF INSURANCE PRODUCTS. Void where prohibited by law and outside the United States. Subject to all federal, state, and local laws, regulations, and ordinances.

Offer is for TDIC professional liability policies having an effective date of April 1, 2025 or later. Offer subject to change without notice.

Eligibility: To qualify for The Dentists Insurance Company (TDIC) 10% Professional Liability Discount you must meet all the following qualifications:

  1. For new customers, (a) you must be a dentist, licensed in good standing in Oregon; (b) you must be practicing dentistry in the state of Oregon; and (c) you must submit a completed application for TDIC professional liability insurance which meets TDIC’s underwriting criteria and which is accepted for coverage having an effective date of April 1, 2025 or later.
  2. For current policyholders, you must have a TDIC professional liability insurance policy up for renewal on or after April 1, 2025.

Applicants and current policyholders meeting all the qualifications will receive a 10% discount to their TDIC professional liability policy premium, which will be applied for applicants to the first policy term and for current policyholders at the time of policy renewal.

Premium discounts cannot be substituted, assigned, transferred, or redeemed for cash. Premium discounts may be used in conjunction with other promotions or offers.

THIS DISCOUNT IS FOR THE PURPOSE OF SOLICITING SALES OF INSURANCE PRODUCTS. Void where prohibited by law and outside the United States. Subject to all federal, state, and local laws, regulations, and ordinances.

Eligibility: To qualify for The Dentists Insurance Company (TDIC) New To Company Discount you must meet all the following qualifications:

  1. You must be a dentist, licensed in good standing in California;
  2. You must be an employer in the state of California;
  3. You must submit a completed application for TDIC workers’ compensation insurance and not have previously had a workers’ compensation policy with TDIC in the last four years; and
  4. Your application for TDIC workers’ compensation insurance must meet TDIC’s underwriting criteria and must be accepted for coverage.

Applicants meeting all the qualifications will receive a discount to their TDIC Workers’ Compensation policy premium as follows:

  • 15% off the first policy term;
  • 10% off the second policy term; and
  • 5% off the third policy term.

For applicants not previously insured with TDIC for Workers’ Compensation in the last four years, the discounts will apply to the first three policy terms. For policyholders insured with TDIC for Workers’ Compensation before April 1, 2025 are not eligible for this discount program.

The Dentists Insurance Company (“TDIC”), 1201 K Street, 14th Floor, Sacramento, California, 95814, offers a package of insurance plans for dentists, including professional and dental business liability, commercial property, workers’ compensation, employment practices liability, and cyber protection. Not all lines of coverage are offered in every state.

Premium discounts cannot be substituted, assigned, transferred, or redeemed for cash. Premium discounts may be used in conjunction with other promotions or offers.

Copyright © 2025 The Dentists Insurance Company. All trademarks used herein are the property of their respective owners in the United States and abroad. All rights reserved.

THIS DISCOUNT IS FOR THE PURPOSE OF PROMOTING SALES OF INSURANCE PRODUCTS. Void where prohibited by law and outside the United States. Subject to all federal, state, and local laws, regulations, and ordinances.

  1. Eligibility: To participate in the Risk Management Discount, you must be a licensed dentist, in good standing, in AZ; AK; CA; HI; ID; IL; MN; MT; ND; NJ; NV; OR; PA; TN or WA.
  2. Sponsor: The Dentists Insurance Company (“TDIC”), 1201 K Street, 14th Floor, Sacramento, California, 95814. TDIC offers a package of insurance plans for dentists, including professional and dental business liability, commercial property, workers’ compensation, employment practices liability, and cyber protection. Not all lines of coverage are offered in every state.
  3. Entry: TDIC policyholders who complete Risk Management Course, Shaping a Safe Future: Optimizing Care with Patient Education and Team Training, in a live seminar or eLearning option at least 90 days in advance of their policy renewal date will receive a two-year, 5% Professional Liability premium discount effective at the time of policy renewal. Premium discounts for full-length seminars or eLearning options completed within 90 days of policy renewal will not go into effect until the following year’s policy renewal. Non-policyholders who complete Risk Management Course, Shaping a Safe Future: Optimizing Care with Patient Education and Team Training, in a live seminar or eLearning option and are accepted for TDIC coverage will also be eligible for this discount.
  4. Verification of Potential Participants: ALL potential PARTICIPANTS ARE subject to verification by Sponsor, whose decisions are final AND BINDING IN ALL MATTERS RELATED TO THE DISCOUNT. A PARTICIPANT is not entitled to any discount unless and until PARTICIPANT’S eligibility HAS been verified and PARTICIPANT has been notified that verification is complete.
  5. Disputes: This Promotion is governed by the laws of the United States. Except where prohibited, participant agrees that: (1) any and all disputes, claims and causes of action arising out of or connected with this Discount shall be resolved individually, without resort to any form of class action, and exclusively by the United States District Court for the Eastern District of California or the appropriate State Court located in Sacramento County, California; (2) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Discount, but in no event attorneys’ fees; and (3) under no circumstances will participant be permitted to obtain awards for, and participant hereby waives all rights to claim, indirect, punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the participant and Sponsor in connection with the Discount, shall be governed by, and construed in accordance with, the laws of the State of California without giving effect to any choice of law or conflict of law rules, which would cause the application of the laws of any jurisdiction other than the State of California.
  6. Privacy: Information collected from participants is subject to the Sponsor’s Privacy Policy, which can be found at tdicinsurance.com/Privacy-policy. Sponsor and Sponsor’s agents, affiliates, subsidiaries, representatives or service providers may use entrants’ and/or referrals’ personal information submitted with entry for purposes of discount fulfillment and/or to update the membership database maintained by Sponsor.

THIS DISCOUNT IS FOR THE PURPOSE OF SOLICITING SALES OF INSURANCE PRODUCTS. Void where prohibited by law and outside the United States. Subject to all federal, state, and local laws, regulations, and ordinances.

Eligibility: To participate in The Dentists Insurance Company (TDIC) Risk Management Discount, you must meet all the following qualifications:

  1. Be a dentist, licensed in and in good standing in California;
  2. Be a TDIC workers’ compensation policyholder or have submitted an application for workers’ compensation insurance which meets TDIC’s underwriting criteria and has been accepted for coverage; and
  3. Have satisfactorily completed TDIC’s Risk Management Course, “Ensuring Workers’ Compensation Compliance for California Dentists” eLearning option at least 90 days in advance of applicable policy renewal date.

Participants meeting all qualification criteria will receive a two-year, 5% Workers’ Compensation premium discount effective at the time of policy renewal. Premium discounts for full-length eLearning options completed within 90 days of policy renewal will not go into effect until the following year’s policy renewal. Non-policyholders who complete the Risk Management Course, “Workers' Compensation Fundamentals for California Dentists” eLearning option and are accepted for TDIC coverage will also be eligible for this discount.

The Dentists Insurance Company (“TDIC”), 1201 K Street, 14th Floor, Sacramento, California, 95814. TDIC offers a package of insurance plans for dentists, including professional and dental business liability, commercial property, workers’ compensation, employment practices liability, and cyber protection. Not all lines of coverage are offered in every state. 

Copyright © 2025 The Dentists Insurance Company. All trademarks used herein are the property of their respective owners in the United States and abroad. All rights reserved. 

Giveaways and Sweepstakes

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN. A PURCHASE OR PAYMENT WILL NOT INCREASE YOUR CHANCES OF WINNING. Void where prohibited by law and outside the United States. Subject to all applicable federal, state, and local laws, regulations, and ordinances. The sweepstakes begin on January 1, 2025 at 12am Pacific Time (“PT”) and ends on December 15, 2025 at 5:00 pm PT (the “Sweepstakes Period”). Sponsor’s computer is the official time keeping device for this Sweepstakes. THIS SWEEPSTAKES IS IN NO WAY SPONSORED, ENDORSED OR ADMINISTERED BY, OR ASSOCIATED WITH, VISA® OR META PLATFORMS, INC.® OR LINKEDIN® OR ANY OTHER PLATFORM WHERE IT IS ADVERTISED. THIS SWEEPSTAKES IS FOR THE PURPOSE OF PROMOTING SALES OF INSURANCE PRODUCTS.

Eligibility: To participate in the $250 Visa Gift Cards 2024 SWEEPSTAKES (this “Sweepstakes”), you must be either a licensed dentist, or enrolled in dental school, in good standing, in AZ; CA; IL; MN; NV; ND; OR; WA; or TN during the Promotion Period. You must also be at least the age of majority in your jurisdiction of primary residence at the time the prize is received and a legal resident of the fifty (50) United States or the District of Columbia. The Dentists Insurance Company (“Sponsor”), its parents, affiliates, subsidiaries, representatives, consultants, contractors, legal counsel, advertising, public relations, promotional, fulfillment, and marketing agencies, and each of their employees, officers, trustees, and directors, and members of their immediate families (spouses, parents, siblings, and children, regardless of where they live) and those living in the same household, whether or not related, are not eligible to enter or win. Participation constitutes Participant’s full and unconditional agreement to these Official Rules and to Sponsor’s decisions, which are final and binding in all matters related to the Sweepstakes and which Sponsor may decide in its sole discretion. Winning a prize is contingent upon fulfilling all requirements set forth herein.

Sponsor: The Dentists Insurance Company (“TDIC”), 1201 K Street, 14th Floor, Sacramento, CA 95814. Domiciled in California, Certificate of Authority Number: 2361-4. TDIC offers a package of insurance plans for dentists, including professional and dental business liability, commercial property, employment practices liability, workers’ compensation and cyber liability protection.

How to Enter: During the Sweepstakes Period, all eligible dentists or enrolled dental students who provide contact information by (1) scanning a QR code or (2) scanning a conference badge where applicable (“Entry”) will be considered Participants (“Participants”)
Participant entry will close when the Promotion Period ends. You must provide all required information to be eligible to enter and win. LIMIT ONE (1) ENTRY PER PERSON PER PROMOTION. ADDITIONAL ENTRIES MAY BE DISQUALIFIED. Normal internet access, phone, and usage charges imposed by your online or phone service may apply. Automated or bulk entries or entries submitted by third parties may be disqualified. Entries must be submitted by the Participant. Any attempt by any Participant to obtain more than the stated number of entries and/or plays by using multiple and/or different identities, forms, registrations, email addresses, logins, or any other methods will disqualify that Participant’s plays and/or entries, and that Participant and/or entries may be disqualified. Multiple Participants are not permitted to share the same email address. Entries specifying an invalid, non-working, or inactive email address will be disqualified. Incomplete, illegible, corrupted, or untimely entries will be disqualified. All entries become the property of Sponsor.

Selection of Winners: Sponsor will select the name of one (1) potential winner of prizes in a random drawing from among all eligible entries received. The odds of winning are based on the number of eligible entries received. The potential winner will be notified by email within approximately 7 calendar days from the date of the drawing. In the event that a potential winner is disqualified for any reason, Sponsor will award the applicable prize to an alternate winner selected by a random drawing from among all remaining eligible entries. Only two (2) alternate drawings will be held, after which the applicable prize will remain un-awarded.

Verification of Potential Winners: ALL POTENTIAL WINNERS ARE SUBJECT TO VERIFICATION BY SPONSOR, WHOSE DECISIONS ARE FINAL AND BINDING IN ALL MATTERS RELATED TO THE SWEEPSTAKES. A PARTICIPANT IS NOT A WINNER OF ANY PRIZE UNLESS AND UNTIL PARTICIPANT’S ELIGIBILITY HAS BEEN VERIFIED AND PARTICIPANT HAS BEEN NOTIFIED THAT VERIFICATION IS COMPLETE. 

Prizes: There will be one (1) Prize awarded. The Prize consists of one (1) Visa gift card. Retail Value (“ARV”) of prize: $250. 

Prize Restrictions: Any and all applicable federal, state, and local taxes and all fees and expenses related to acceptance and use of the prize not specifically stated herein are the responsibility solely of prize winner. Sponsor will not replace any lost or stolen prize. Prize cannot be substituted, assigned, transferred, or redeemed for cash; however, Sponsor reserves the right to make equivalent prize substitutions. Prize cannot be used in conjunction with any other promotion or offer. A Participant who wins a prize is not eligible to participate in or win another prize in the same calendar year.

General Conditions: WARNING: ANY ATTEMPT BY A PARTICIPANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEBSITE ASSOCIATED WITH THIS SWEEPSTAKES OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAW, AND, SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO PROSECUTE AND SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. Neither Sponsor nor anyone acting on its behalf will enter into any communications with any Participant regarding this Sweepstakes, except as expressly set forth in these Official Rules. Sponsor reserves the right at its sole discretion to disqualify any individual it finds to be attempting to tamper with or undermine the entry process, any website associated with the Sweepstakes, and/or the legitimate operation of the Sweepstakes; to violate the Official Rules; or to act in an unethical, unprofessional, obnoxious, unruly, or disruptive manner or with the intent to annoy, abuse, threaten, or harass any other person. Sponsor and its agents are not responsible for (1) any incorrect or inaccurate information, whether caused by Participants, printing errors, or by any of the equipment or programming associated with or utilized in the Sweepstakes; (2) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (3) unauthorized human intervention in any part of the entry process or the Sweepstakes; (4) technical or human error which may occur in the administration of the Sweepstakes or the processing of entries; or (5) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from Participant’s participation in the Sweepstakes or receipt or use or misuse of any prize. If for any reason a Participant’s entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, Participant’s sole remedy is another entry in the Sweepstakes, provided that if it is not possible to award another entry due to discontinuance of the Sweepstakes, or any part of it, for any reason, Sponsor, at its discretion, may elect to hold a random drawing from among all eligible entries received up to the date of discontinuance for the prize offered herein. If, for any reason, the Sweepstakes is not capable of running as planned due to causes beyond the control of Sponsor, which corrupt or affect the operation, administration, security, fairness, integrity, or proper conduct of this Sweepstakes, Sponsor may, in its sole discretion, void any suspect entries and (a) cancel or terminate the Sweepstakes (or any portion thereof) and award the offered prize at random from among the eligible, non-suspect entries received up to the time of the impairment or (b) modify or suspend the Sweepstakes to address the impairment and then resume the Sweepstakes in a manner that best conforms to the spirit of these Official Rules. 

Limitation of Liability and Releases: BY PARTICIPATING IN THIS SWEEPSTAKES, PARTICIPANT AGREES THAT SPONSOR, VISA®, META PLATFORMS, INC.®, LINKEDIN® AND THEIR RESPECTIVE PARENT COMPANIES, AFFILIATES, SUBSIDIARIES, REPRESENTATIVES, CONSULTANTS, CONTRACTORS, LEGAL COUNSEL, ADVERTISING, PUBLIC RELATIONS, PROMOTIONAL, FULFILLMENT AND MARKETING, WEBSITE PROVIDERS, WEB MASTERS, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES, AND AGENTS (THE “RELEASED PARTIES”) WILL HAVE NO LIABILITY WHATSOEVER FOR, AND SHALL BE HELD HARMLESS BY PARTICIPANTS AGAINST, ANY LIABILITY FOR ANY INJURIES, LOSSES, OR DAMAGES OF ANY KIND TO PERSONS, INCLUDING PERSONAL INJURY OR DEATH, OR PROPERTY RESULTING IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, FROM ACCEPTANCE, POSSESSION, MISUSE, OR USE OF THE PRIZE, ENTRY, OR PARTICIPATION IN THIS SWEEPSTAKES OR IN ANY SWEEPSTAKES-RELATED ACTIVITY, OR ANY CLAIMS BASED ON PUBLICITY RIGHTS, DEFAMATION OR INVASION OF PRIVACY, OR MERCHANDISE DELIVERY. THE RELEASED PARTIES ARE NOT RESPONSIBLE IF ANY PRIZE CANNOT BE AWARDED DUE TO CANCELLATIONS, DELAYS, OR INTERRUPTIONS DUE TO ACTS OF GOD, ACTS OF WAR, NATURAL DISASTERS, WEATHER, VIRUSES, PANDEMICS, EPIDEMICS AND ASSOCIATED QUARANTINING OR WORK/TRAVEL RESTRICTIONS, OR TERRORISM. BY PARTICIPATING IN THIS SWEEPSTAKES, PARTICIPANT AGREES THAT THE RELEASED PARTIES WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY INJURIES, DAMAGES, OR LOSSES OF ANY KIND, INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES TO PERSONS, INCLUDING DEATH, OR TO PROPERTY ARISING OUT OF ACCESS TO AND USE OF ANY WEBSITE ASSOCIATED WITH THIS SWEEPSTAKES OR THE DOWNLOADING FROM AND/OR PRINTING MATERIAL DOWNLOADED FROM SUCH SITE. 
WITHOUT LIMITING THE FOREGOING, EVERYTHING REGARDING THIS SWEEPSTAKES, INCLUDING THE WEBSITE AND ALL PRIZES, ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. SOME JURISDICTIONS MAY NOT ALLOW THE LIMITATIONS OR EXCLUSIONS OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY. CHECK LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONS REGARDING THESE LIMITATIONS OR EXCLUSIONS.

Publicity: EXCEPT WHERE PROHIBITED BY LAW, PARTICIPATION IN THE SWEEPSTAKES CONSTITUTES PARTICIPANT’S GRANT TO SPONSOR (WHICH GRANT WILL BE CONFIRMED IN WRITING ON REQUEST OF SPONSOR), AND THE RELEASED PARTIES THE RIGHT AND PERMISSION TO PRINT, PUBLISH, BROADCAST, AND USE, WORLD WIDE IN ANY MEDIA NOW KNOWN OR HEREAFTER DEVELOPED, INCLUDING BUT NOT LIMITED TO THE WORLD WIDE WEB, AT ANY TIME OR TIMES, THE PARTICIPANT’S ENTRY, NAME, PORTRAIT, PICTURE, VOICE, LIKENESS, OPINIONS, AND BIOGRAPHICAL INFORMATION (INCLUDING BUT NOT LIMITED TO HOMETOWN AND STATE) FOR ADVERTISING, TRADE, AND PROMOTIONAL PURPOSES (INCLUDING THE ANNOUNCEMENT OF HIS OR HER NAME ON TELEVISION OR RADIO BROADCAST) WITHOUT ADDITIONAL CONSIDERATION, COMPENSATION, PERMISSION, OR NOTIFICATION. PARTICIPANTS AGREE THAT SPONSOR SHALL OWN THE ENTRIES, WHICH WILL NOT BE ACKNOWLEDGED OR RETURNED, AND THAT SPONSOR AND ITS DESIGNEES SHALL HAVE THE PERPETUAL, WORLDWIDE RIGHT TO EDIT, PUBLISH, AND USE THE ENTRIES IN ANY WAY AND IN ANY MEDIA FOR TRADE, ADVERTISING, PROMOTIONAL, AND/OR OTHER PURPOSES AS SPONSOR AND/OR ITS DESIGNEES MAY DETERMINE WITHOUT FURTHER CONSIDERATION TO PARTICIPANTS OR ANY THIRD PARTY.

Disputes: This Sweepstakes is governed by the laws of the United States. Except where prohibited, Participant agrees that: (1) any and all disputes, claims and causes of action arising out of or connected with this Sweepstakes or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the United States District Court for the Eastern District of California or the appropriate State Court located in Sacramento County, California; (2) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Sweepstakes, but in no event attorneys’ fees; and (3) under no circumstances will Participant be permitted to obtain awards for, and Participant hereby waives all rights to claim, indirect, punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the Participant and Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of California, without giving effect to any choice of law or conflict of law rules (whether of the State of California or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of California.

Privacy: Information collected from Participants is subject to the Sponsor’s Privacy Policy, which can be found at tdicinsurance.com/privacy. By entering, you agree to allow the Sponsor and Sponsor’s agents, affiliates, subsidiaries, representatives, contractors, or service providers to use Participants’ personal information submitted with entry for purposes of prize fulfillment and/or to update the membership database maintained by Sponsor and/or in advertising or marketing materials and/or to send Participant advertising or marketing materials.

Official Rules and Winners List: For a copy of the Official Rules and/or a listing of the prizewinners, available for 90 days after verification of the prize winner, visit tdicinsurance.com/visa.

Copyright © 2025 The Dentists Insurance Company. All trademarks used herein are the property of their respective owners in the United States and abroad. All rights reserved.

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN. A PURCHASE OR PAYMENT WILL NOT INCREASE YOUR CHANCES OF WINNING. Void where prohibited by law and outside the United States. Subject to all applicable federal, state, and local laws, regulations, and ordinances. Sweepstakes begins on May 15, 2025 at 10:00 a.m. Pacific Time (“PT”) and ends on May 17, 2025, at 3:00 p.m. PT (the “Sweepstakes Period”). Sponsor’s computer is the official time keeping device for this Sweepstakes. THIS SWEEPSTAKES IS IN NO WAY SPONSORED, ENDORSED OR ADMINISTERED BY, OR ASSOCIATED WITH, FACEBOOK OR ANY OTHER PLATFORM WHERE IT IS ADVERTISED. THIS SWEEPSTAKES IS FOR THE PURPOSE OF SOLICITING SALES OF INSURANCE PRODUCTS.

Eligibility: To participate in the CDA Presents Anaheim 2025 - TDIC Sweepstakes (the “Sweepstakes”), you must be an active member of the California Dental Association (“CDA”) who is in good standing and licensed to practice dentistry during the Promotion Period. You must also be at least the age of majority in your jurisdiction of primary residence at the time the prize is received and a legal resident of the fifty (50) United States or the District of Columbia. The Dentists Insurance Company (“Sponsor”), its parents, affiliates, subsidiaries, representatives, consultants, contractors, legal counsel, advertising, public relations, promotional, fulfillment, and marketing agencies, and each of their employees, officers, trustees, and directors, and members of their immediate families (spouses, parents, siblings, and children, regardless of where they live) and those living in the same household, whether or not related, are not eligible to enter or win. Participation constitutes participant’s full and unconditional agreement to these Official Rules and to Sponsor’s decisions, which are final and binding in all matters related to the Sweepstakes and which Sponsor may decide in its sole discretion. Winning a prize is contingent upon fulfilling all requirements set forth herein.

Sponsor: The Dentists Insurance Company (“TDIC”), 1201 K Street, 14th Floor, Sacramento, CA 95814. TDIC offers a package of insurance plans for dentists, including professional and dental business liability, commercial property, employment practices liability, workers’ compensation and cyber liability protection.

How to Enter: During the Sweepstakes Period, there are two (2) ways to enter. 1) Visit Booth: During CDA Presents Anaheim 2025 show hours, go to the TDIC booth at the Member Benefit Center (Booth 2238) located in Anaheim Convention Center 800 W Katella Ave, Anaheim, CA 92802 and have your CDA Presents Anaheim 2025 Badge scanned by a sales agent. Scanning your badge automatically enrolls a participant with one (1) entry into the Sweepstakes. 2) Email Entry: To enter without scanning your CDA Presents Anaheim 2025 Badge, send an email to Sponsor at [email protected] RE: CDA Presents Anaheim 2025 - TDIC Sweepstakes. Specific information to be included in entry email: individual’s first and last name, phone number, professional status (Dentist, Dental Office Staff, Dental Student, etc.) and email address.

You must provide all required information to be eligible to enter and win. By entering, you agree that Sponsor may contact you via any social media, including on Facebook, LinkedIn, or Twitter, by sending you a direct message, tagging you, posting to your social media page or naming you on Sponsor’s social media page. Normal internet access, phone, and usage charges imposed by your online or phone service may apply. LIMIT ONE (1) ENTRY PER PERSON, REGARDLESS OF METHOD OF ENTRY. ADDITIONAL ENTRIES MAY BE DISQUALIFIED. Automated or bulk entries or entries submitted by third parties may be disqualified. Entries must be submitted by the participant. Any attempt by any participant to obtain more than the stated number of entries and/or plays by using multiple and/or different identities, forms, registrations, email addresses, logins, or any other methods will disqualify that participant’s plays and/or entries, and that participant and/or entries may be disqualified. Multiple participants are not permitted to share the same email address. Entries specifying an invalid, non-working, or inactive email address will be disqualified. Incomplete, illegible, corrupted, or untimely entries will be disqualified. All entries become the property of Sponsor.

By participating in this Sweepstakes, participant acknowledges and agrees that he or she will clearly and conspicuously disclose that he or she is participating in this Sweepstakes in the entry and any online social sharing interaction that references the Sweepstakes or that is used to obtain entries in connection with this Sweepstakes. Sponsor reserves the right to disqualify any participant who does not adequately disclose his or her participation in this Sweepstakes while engaging in any online social sharing interaction during the Sweepstakes Period.

Selection of Winners: On or about May 29, 2025, Sponsor will select the name of one (1) potential winner of prizes in a random drawing from among all eligible entries received. The odds of winning are based on the number of eligible entries received. The potential winner will be notified by email on or about the day of the drawing. Except where legally prohibited, the potential winner must sign and return, within seven (7) days of being notified, an Affidavit of Eligibility, Liability & Publicity Release and IRS Form W-9 in order to claim his/her prize. If a potential winner cannot be contacted in person or by email after the first attempt to contact him/her, or if he/she fails to sign and return the Affidavit of Eligibility, Liability & Publicity Release, IRS W-9 Form, or any other documentation that Sponsor may require, in its sole discretion, within the required time period (if applicable), or in the event that a potential winner is disqualified for any reason, Sponsor will award the applicable prize to an alternate winner selected by a random drawing from among all remaining eligible entries. Only two (2) alternate drawings will be held, after which the applicable prize will remain un-awarded.

Verification of Potential Winners: ALL POTENTIAL WINNERS ARE SUBJECT TO VERIFICATION BY SPONSOR, WHOSE DECISIONS ARE FINAL AND BINDING IN ALL MATTERS RELATED TO THE SWEEPSTAKES. A PARTICIPANT IS NOT A WINNER OF ANY PRIZE UNLESS AND UNTIL PARTICIPANT’S ELIGIBILITY HAS BEEN VERIFIED AND PARTICIPANT HAS BEEN NOTIFIED THAT VERIFICATION IS COMPLETE.

Prizes: There will be one (1) Prize awarded. The Prize consists of one (1) of the following lodging packages to be selected by the prize winner: (i) seven night stay for two at the luxurious Jepun Villa in Bali (7 nights) (“prize option #1”); or (ii) five nights stay and culinary experience for four in a private residance in Italy's historic city center of Cortona, Italy (5 nights) (“prize option #2”); or (iii) Luxury condo in Costa Rica with Private Concierge for eight for seven nights , (7 nights) (“prize option #3”).

Prize Option #1: BOUTIQUE LUXURY IN BALI
Prize Option #2: UNDER THE TUSCAN SUN FOR FOUR
Prize Option #3: Luxury Condo in Costa Rica with Private Concierge

Prize winner will be awarded a vacation to one of the three prize option locations specified above (“Location”). Prize includes standard hotel accommodations (double occup. #nights/# days) at the hotel specified in the selection prize option (“Hotel”). Total ARV of Prize: $5,000.00. ARV of Prize may vary depending on travel dates and room/rate fluctuations.

Prize winner must be able to travel on dates to be determined by Sponsor or risk forfeiting Prize. Exact dates of travel to be determined at Sponsor’s discretion. All airfare, ground transportation, meals, incidentals, and expenses not described herein and incurred by Prize winner will be the sole responsibility of the Prize winner.

Travel must be completed by December 31, 2026. Winner is responsible for obtaining all necessary travel documents, making travel arrangements, complying with all applicable public health and safety protocols (including all requirements adopted by Prize providers), and for obtaining travel insurance (and all other forms of insurance) at his/her option. Winner must comply with all hotel check-in requirements, including, but not limited to, the presentation of a payment card.

Winner’s travel companion must be at time of prize fulfillment the age of majority in the jurisdiction in which s/he resides (and at least eighteen (18) years of age), unless accompanied by a parent or legal guardian, and must complete and return a liability/publicity release and any other documentation required by Sponsor prior to prize award. If travel companion is a minor in his/her state of residence, minor’s parent/legal guardian must complete and return all releases on behalf of minor. Winner and Guest must travel together on the same itinerary. If winner elects to travel or participate in the prize travel without a Guest, no additional compensation will be awarded. If winner elects to travel or participate in prize travel with more than one Guest, such additional persons shall be responsible for any and all costs associated with such travel. Winner and Guest are also responsible for obtaining travel insurance (and all other forms of insurance) at their option and acknowledge that Sponsor has not and will not obtain or provide travel insurance or any other form of insurance. No refund or compensation will be made in the event of the cancellation or delay of any ai except at Sponsor’s discretion. Travel is subject to the terms and conditions set forth in this Sweepstakes, and those set forth by Sponsor’s airline carrier of choice as detailed in the passenger ticket contract. The passenger contracts in use by the airlines or other transportation companies shall constitute the sole contracts with respect to the prize winner’s and his/her Guest’s transportation and such contracts shall be solely between the prize winner, his/her Guest and such transportation companies. Lost, stolen or damaged prize vouchers and airline tickets will not be replaced or exchanged. With the exception of stopovers approved in advance at Sponsor’s sole discretion, no stopovers are permitted on tickets issued as part of the prize. If a stopover occurs, the prize travel will terminate and winner and his/her Guest will be responsible for the full fare which will be charged from the stopover point for the remaining vacation segment(s), including the return. Sponsor shall not be responsible for any cancellations, delays, diversions or substitutions or any act or omissions whatsoever by any air carrier(s) or other transportation companies or any other persons providing any of these services to passengers including any results thereof such as changes in services or accommodations necessitated by same. Airline tickets issued in connection with the prize may not be eligible for frequent flyer miles or upgrades. Winner and Guest must comply with all hotel check-in requirements, including, but not limited to, the presentation of a payment card. Air transportation and hotel accommodations must be taken together and cannot be taken separately.

In the event winner engages in behavior during travel that (as determined by Sponsor) is obnoxious or threatening, illegal, or that is intended to threaten or harass any other person, or that in any way disparages or adversely affects the reputation, image, and/or customer goodwill of Sponsor or any of Sponsor’s services, products, trademarks, service marks, or logos, Sponsor reserves the right to terminate any prizes, to terminate the travel early, to terminate the lodging, and send winner home (at his/her own expense for amending existing tickets, reservations, and/or related prize contracts) with no further obligations or compensation whatsoever to winner (which may, in Sponsor’s discretion, result in such winner’s disqualification from the Sweepstakes and forfeiture of any (and/or all) prize(s). In the event winner engages in behavior during travel that (as determined by Sponsor) is illegal, tortious, or subjects winner to arrest or detention, Sponsor shall have no obligation to pay any damages, fees, fines, judgments or other costs or expenses of any kind whatsoever incurred by winner as a result of such conduct. SPONSOR SHALL HAVE NO LIABILITY FOR ANY PERSONAL INJURIES, DEATH, PROPERTY DAMAGE, OR OTHER DAMAGES OR EXPENSES RESULTING FROM OR ARISING OUT OF ANY TRAVEL RELATED TO THE PRIZE OR ANY OTHER ASPECT OF PRIZE WINNER’S ACCEPTANCE OR USE OF THE PRIZE.

Prize Restrictions: Any and all applicable federal, state, and local taxes and all fees and expenses related to acceptance and use of prize not specifically stated herein, including but not limited to, change of air travel fees, ground transportation, automobile insurance, meals, incidentals, passenger tariffs or duties, surcharges, service charges or facility charges, personal charges at lodging, security fees and/or other expenses, are the responsibility solely of winner. Prize cannot be substituted, assigned, transferred, or redeemed for cash; however, Sponsor reserves the right to make equivalent prize substitutions. Sponsor will not replace any lost or stolen prizes or components of a prize. Prize cannot be used in conjunction with any other promotion or offer. Only the number of prizes stated in these Official Rules is available to be won in the Sweepstakes. If, by reason of a print or other error, more prizes are claimed than the number set forth in these Official Rules, prize winner(s) will be selected in accordance with the winner selection method described above from among all eligible claimants making purportedly valid claims to award the advertised number of prizes available.

General Conditions: WARNING: ANY ATTEMPT BY A PARTICIPANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEBSITE ASSOCIATED WITH THIS SWEEPSTAKES OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAW, AND, SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO PROSECUTE AND SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. Neither Sponsor nor anyone acting on its behalf will enter into any communications with any participant regarding this Sweepstakes, except as expressly set forth in these Official Rules. Sponsor reserves the right at its sole discretion to disqualify any individual it finds to be attempting to tamper with or undermine the entry process, any website associated with the Sweepstakes, and/or the legitimate operation of the Sweepstakes; to violate the Official Rules; or to act in an unethical, unprofessional, obnoxious, unruly, or disruptive manner or with the intent to annoy, abuse, threaten, or harass any other person. Sponsor and its agents are not responsible for (1) any incorrect or inaccurate information, whether caused by participants, printing errors, or by any of the equipment or programming associated with or utilized in the Sweepstakes; (2) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (3) unauthorized human intervention in any part of the entry process or the Sweepstakes; (4) technical or human error which may occur in the administration of the Sweepstakes or the processing of entries; or (5) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from participant’s participation in the Sweepstakes or receipt or use or misuse of any prize. If for any reason a participant’s entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, participant’s sole remedy is another entry in the Sweepstakes, provided that if it is not possible to award another entry due to discontinuance of the Sweepstakes, or any part of it, for any reason, Sponsor, at its discretion, may elect to hold a random drawing from among all eligible entries received up to the date of discontinuance for the prize offered herein. If, for any reason, the Sweepstakes is not capable of running as planned due to causes beyond the control of Sponsor, which corrupt or affect the operation, administration, security, fairness, integrity, or proper conduct of this Sweepstakes, Sponsor may, in its sole discretion, void any suspect entries and (a) cancel or terminate the Sweepstakes (or any portion thereof) and award the offered prize at random from among the eligible, non-suspect entries received up to the time of the impairment or (b) modify or suspend the Sweepstakes to address the impairment and then resume the Sweepstakes in a manner that best conforms to the spirit of these Official Rules.

Limitation of Liability and Releases: BY PARTICIPATING IN THIS SWEEPSTAKES, PARTICIPANT AGREES THAT SPONSOR, FACEBOOK, AND THEIR RESPECTIVE PARENT COMPANIES, AFFILIATES, SUBSIDIARIES, REPRESENTATIVES, CONSULTANTS, CONTRACTORS, LEGAL COUNSEL, ADVERTISING, PUBLIC RELATIONS, PROMOTIONAL, FULFILLMENT AND MARKETING, WEBSITE PROVIDERS, WEB MASTERS, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES, AND AGENTS (THE “RELEASED PARTIES”) WILL HAVE NO LIABILITY WHATSOEVER FOR, AND SHALL BE HELD HARMLESS BY PARTICIPANTS AGAINST, ANY LIABILITY FOR ANY INJURIES, LOSSES, OR DAMAGES OF ANY KIND TO PERSONS, INCLUDING PERSONAL INJURY OR DEATH, OR PROPERTY RESULTING IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, FROM ACCEPTANCE, POSSESSION, MISUSE, OR USE OF THE PRIZE, ENTRY, OR PARTICIPATION IN THIS SWEEPSTAKES OR IN ANY SWEEPSTAKES-RELATED ACTIVITY, OR ANY CLAIMS BASED ON PUBLICITY RIGHTS, DEFAMATION OR INVASION OF PRIVACY, OR MERCHANDISE DELIVERY. THE RELEASED PARTIES ARE NOT RESPONSIBLE IF ANY PRIZE CANNOT BE AWARDED DUE TO CANCELLATIONS, DELAYS, OR INTERRUPTIONS DUE TO ACTS OF GOD, ACTS OF WAR, NATURAL DISASTERS, WEATHER, VIRUSES, PANDEMICS, EPIDEMICS AND ASSOCIATED QUARANTINING OR WORK/TRAVEL RESTRICTIONS, OR TERRORISM. BY PARTICIPATING IN THIS SWEEPSTAKES, PARTICIPANT AGREES THAT THE RELEASED PARTIES WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY INJURIES, DAMAGES, OR LOSSES OF ANY KIND, INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES TO PERSONS, INCLUDING DEATH, OR TO PROPERTY ARISING OUT OF ACCESS TO AND USE OF ANY WEBSITE ASSOCIATED WITH THIS SWEEPSTAKES OR THE DOWNLOADING FROM AND/OR PRINTING MATERIAL DOWNLOADED FROM SUCH SITE.

WITHOUT LIMITING THE FOREGOING, EVERYTHING REGARDING THIS SWEEPSTAKES, INCLUDING THE WEBSITE AND ALL PRIZES, ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. SOME JURISDICTIONS MAY NOT ALLOW THE LIMITATIONS OR EXCLUSIONS OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY. CHECK LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONS REGARDING THESE LIMITATIONS OR EXCLUSIONS.

Publicity: EXCEPT WHERE PROHIBITED BY LAW, PARTICIPATION IN THE SWEEPSTAKES CONSTITUTES PARTICIPANT’S GRANT TO SPONSOR (WHICH GRANT WILL BE CONFIRMED IN WRITING ON REQUEST OF SPONSOR), AND THE RELEASED PARTIES THE RIGHT AND PERMISSION TO PRINT, PUBLISH, BROADCAST, AND USE, WORLD WIDE IN ANY MEDIA NOW KNOWN OR HEREAFTER DEVELOPED, INCLUDING BUT NOT LIMITED TO THE WORLD WIDE WEB, AT ANY TIME OR TIMES, THE PARTICIPANT’S ENTRY, NAME, PORTRAIT, PICTURE, VOICE, LIKENESS, OPINIONS, AND BIOGRAPHICAL INFORMATION (INCLUDING BUT NOT LIMITED TO HOMETOWN AND STATE) FOR ADVERTISING, TRADE, AND PROMOTIONAL PURPOSES (INCLUDING THE ANNOUNCEMENT OF HIS OR HER NAME ON TELEVISION OR RADIO BROADCAST) WITHOUT ADDITIONAL CONSIDERATION, COMPENSATION, PERMISSION, OR NOTIFICATION. PARTICIPANTS AGREE THAT SPONSOR SHALL OWN THE ENTRIES, WHICH WILL NOT BE ACKNOWLEDGED OR RETURNED, AND THAT SPONSOR AND ITS DESIGNEES SHALL HAVE THE PERPETUAL, WORLDWIDE RIGHT TO EDIT, PUBLISH, AND USE THE ENTRIES IN ANY WAY AND IN ANY MEDIA FOR TRADE, ADVERTISING, PROMOTIONAL, AND/OR OTHER PURPOSES AS SPONSOR AND/OR ITS DESIGNEES MAY DETERMINE WITHOUT FURTHER CONSIDERATION TO PARTICIPANTS OR ANY THIRD PARTY.

Disputes: This Sweepstakes is governed by the laws of the United States. Except where prohibited, participant agrees that: (1) any and all disputes, claims and causes of action arising out of or connected with this Sweepstakes or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the United States District Court for the Eastern District of California or the appropriate State Court located in Sacramento County, California; (2) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Sweepstakes, but in no event attorneys’ fees; and (3) under no circumstances will participant be permitted to obtain awards for, and participant hereby waives all rights to claim, indirect, punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the participant and Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of California, without giving effect to any choice of law or conflict of law rules (whether of the State of California or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of California.

Privacy: Information collected from participants is subject to the Sponsor’s Privacy Policy, which can be found at tdicinsurance.com/privacy. Sponsor and Sponsor’s agents, affiliates, subsidiaries, representatives or service providers may use participants’ and/or referrals’ personal information submitted with entry for purposes of prize fulfillment and/or to update the membership database maintained by Sponsor.

Official Rules and Winners List: For a copy of the Official Rules and/or a listing of the prizewinners, available for 90 days after verification of the prizewinner, visit tdicinsurance.com/cdapgiveaway.

Copyright © 2025 The Dentists Insurance Company. All trademarks used herein are the property of their respective owners in the United States and abroad. All rights reserved.

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN. A PURCHASE OR PAYMENT WILL NOT INCREASE YOUR CHANCES OF WINNING. Void where prohibited by law and outside the United States. Subject to all applicable federal, state, and local laws, regulations, and ordinances. The Giveaway begins on May 15, 2025 at 12am Pacific Time (“PT”) and ends on May 17, 2025 at 5:00 pm PT (the “Giveaway Period”) or until supply of all Prizes has been fully depleted, whichever occurs first. Sponsor’s computer is the official time keeping device for this GIVEAWAY. THIS GIVEAWAY IS IN NO WAY SPONSORED, ENDORSED OR ADMINISTERED BY, OR ASSOCIATED WITH, VISA® OR META PLATFORMS, INC.® OR LINKEDIN® OR ANY OTHER PLATFORM WHERE IT IS ADVERTISED. THIS GIVEAWAY IS FOR THE PURPOSE OF PROMOTING SALES OF INSURANCE PRODUCTS.

Eligibility: To participate in the TDIC Trivia 2025 Spin to Win Giveaway (this “Giveaway”), you must be an attendee of CDA Presents The Art and Science of Dentistry during the Promotion Period. You must be present to spin the prize wheel and receive the designated prize. Only one spin per entrant during the Giveaway period. You must also be at least the age of majority in your jurisdiction of primary residence at the time the prize is received and a legal resident of the fifty (50) United States or the District of Columbia. The Dentists Insurance Company (“Sponsor”), its parents, affiliates, subsidiaries, representatives, consultants, contractors, legal counsel, advertising, public relations, promotional, fulfillment, and marketing agencies, and each of their employees, officers, trustees, and directors, and members of their immediate families (spouses, parents, siblings, and children, regardless of where they live) and those living in the same household, whether or not related, are not eligible to enter or win. Participation constitutes Participant’s full and unconditional agreement to these Official Rules, the Sponsor’s Privacy Policy, and to Sponsor’s decisions, which are final and binding in all matters related to the Giveaway and which Sponsor may decide in its sole discretion. Winning a prize is contingent upon fulfilling all requirements set forth herein.

Sponsor: The Dentists Insurance Company (“TDIC”), 1201 K Street, 14th Floor, Sacramento, CA 95814. Domiciled in California, Certificate of Authority Number: 2361-4. TDIC offers a package of insurance plans for dentists, including professional and dental business liability, commercial property, employment practices liability, workers’ compensation and cyber liability protection.

How to Enter: During the Giveaway Period, all eligible CDA Presents attendees who:

  1. fill out and complete the TDIC trivia card, located inside the CDA Presents Anaheim show bag; and
  2. brings the completed TDIC trivia card to booth #2238; and
  3. has their conference badge scanned; and
  4. presents the completed card to a TDIC Insurance Solutions advisor; and
  5. spins the prize wheel once (at least one full revolution); and
  6. accepts the prize designated on the prize wheel.

Participant entry will close when the Promotion Period ends. You must provide all required information to be eligible to enter and win. LIMIT ONE (1) ENTRY PER PERSON PER PROMOTION. ADDITIONAL ENTRIES MAY BE DISQUALIFIED. Automated or bulk entries or entries submitted by third parties may be disqualified. Entries must be submitted by the Participant. Any attempt by any Participant to obtain more than the stated number of entries and/or plays by using multiple and/or different identities, forms, registrations, email addresses, logins, or any other methods will disqualify that Participant’s plays and/or entries, and that Participant and/or entries may be disqualified. Multiple Participants are not permitted to share the same email address. Entries specifying an invalid, non-working, or inactive email address will be disqualified. Incomplete, illegible, corrupted, or untimely entries will be disqualified. All entries become the property of Sponsor.

Verification of Potential Winners: ALL POTENTIAL WINNERS ARE SUBJECT TO VERIFICATION BY SPONSOR, WHOSE DECISIONS ARE FINAL AND BINDING IN ALL MATTERS RELATED TO THE GIVEAWAY. A PARTICIPANT IS NOT A WINNER OF ANY PRIZE UNLESS AND UNTIL PARTICIPANT’S ELIGIBILITY HAS BEEN VERIFIED AND PARTICIPANT HAS BEEN NOTIFIED THAT VERIFICATION IS COMPLETE.

Prizes: There will be one (1) Prize awarded. The Prizes include (with MSRP):

  • Desk organizer ($1.50)
  • Croc Charms ($0.53)
  • Sunscreen / Chapstick ($1.05)
  • Travel Blanket ($6.22)
  • Fleece Blanket ($6.22)
  • Leather tray ($3.50)
  • Rally towel ($1.00)

Prize Restrictions: Any and all applicable federal, state, and local taxes and all fees and expenses related to acceptance and use of the prize not specifically stated herein are the responsibility solely of prize winner. Sponsor will not replace any lost or stolen prize. Prize cannot be substituted, assigned, transferred, or redeemed for cash; however, Sponsor reserves the right to make equivalent prize substitutions. Prize cannot be used in conjunction with any other promotion or offer. A Participant who wins a prize is not eligible to participate in or win another prize in the same calendar year. Quantities for each prize are limited and Sponsor reserves the right to substitute prizes and/or modify the prize wheel as it deems appropriate in its sole discretion. Odds of winning are 100% for as long as the supply of Prizes lasts. Should Sponsor encounter a malfunction of or unavailability of a prize wheel, Sponsor reserves the right to modify the method of allocating/selecting prizes as it may decide in its sole discretion.

General Conditions: WARNING: ANY ATTEMPT BY A PARTICIPANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEBSITE ASSOCIATED WITH THIS GIVEAWAY OR UNDERMINE THE LEGITIMATE OPERATION OF THE GIVEAWAY MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAW, AND, SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO PROSECUTE AND SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. Neither Sponsor nor anyone acting on its behalf will enter into any communications with any Participant regarding this GIVEAWAY, except as expressly set forth in these Official Rules. Sponsor reserves the right at its sole discretion to disqualify any individual it finds to be attempting to tamper with or undermine the entry process, any website associated with the GIVEAWAY, and/or the legitimate operation of the GIVEAWAY; to violate the Official Rules; or to act in an unethical, unprofessional, obnoxious, unruly, or disruptive manner or with the intent to annoy, abuse, threaten, or harass any other person. Sponsor and its agents are not responsible for (1) any incorrect or inaccurate information, whether caused by Participants, printing errors, or by any of the equipment or programming associated with or utilized in the GIVEAWAY; (2) technical failures of any kind, including, but not limited to malfunctions of any device used to conduct the Giveaway, interruptions, or disconnections in phone lines or network hardware or software; (3) unauthorized human intervention in any part of the entry process or the GIVEAWAY; (4) technical or human error which may occur in the administration of the GIVEAWAY or the processing of entries; or (5) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from Participant’s participation in the GIVEAWAY or receipt or use or misuse of any prize. If for any reason a Participant’s entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, Participant’s sole remedy is another entry in the GIVEAWAY, provided that if it is not possible to award another entry due to discontinuance of the GIVEAWAY, or any part of it, for any reason, Sponsor, at its discretion, may elect to hold a random drawing from among all eligible entries received up to the date of discontinuance for the prize offered herein. If, for any reason, the GIVEAWAY is not capable of running as planned due to causes beyond the control of Sponsor, which corrupt or affect the operation, administration, security, fairness, integrity, or proper conduct of this GIVEAWAY, Sponsor may, in its sole discretion, void any suspect entries and (a) cancel or terminate the GIVEAWAY (or any portion thereof) and award the offered prize at random from among the eligible, non-suspect entries received up to the time of the impairment or (b) modify or suspend the GIVEAWAY to address the impairment and then resume the GIVEAWAY in a manner that best conforms to the spirit of these Official Rules.

Limitation of Liability and Releases: BY PARTICIPATING IN THIS GIVEAWAY, PARTICIPANT AGREES THAT SPONSOR, VISA®, META PLATFORMS, INC.®, LINKEDIN® AND THEIR RESPECTIVE PARENT COMPANIES, AFFILIATES, SUBSIDIARIES, REPRESENTATIVES, CONSULTANTS, CONTRACTORS, LEGAL COUNSEL, ADVERTISING, PUBLIC RELATIONS, PROMOTIONAL, FULFILLMENT AND MARKETING, WEBSITE PROVIDERS, WEB MASTERS, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES, AND AGENTS (THE “RELEASED PARTIES”) WILL HAVE NO LIABILITY WHATSOEVER FOR, AND SHALL BE HELD HARMLESS BY PARTICIPANTS AGAINST, ANY LIABILITY FOR ANY INJURIES, LOSSES, OR DAMAGES OF ANY KIND TO PERSONS, INCLUDING PERSONAL INJURY OR DEATH, OR PROPERTY RESULTING IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, FROM ACCEPTANCE, POSSESSION, MISUSE, OR USE OF THE PRIZE, ENTRY, OR PARTICIPATION IN THIS GIVEAWAY OR IN ANY GIVEAWAY-RELATED ACTIVITY, OR ANY CLAIMS BASED ON PUBLICITY RIGHTS, DEFAMATION OR INVASION OF PRIVACY, OR MERCHANDISE DELIVERY. THE RELEASED PARTIES ARE NOT RESPONSIBLE IF ANY PRIZE CANNOT BE AWARDED DUE TO CANCELLATIONS, DELAYS, OR INTERRUPTIONS DUE TO ACTS OF GOD, ACTS OF WAR, NATURAL DISASTERS, WEATHER, VIRUSES, PANDEMICS, EPIDEMICS AND ASSOCIATED QUARANTINING OR WORK/TRAVEL RESTRICTIONS, OR TERRORISM. BY PARTICIPATING IN THIS GIVEAWAY, PARTICIPANT AGREES THAT THE RELEASED PARTIES WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY INJURIES, DAMAGES, OR LOSSES OF ANY KIND, INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES TO PERSONS, INCLUDING DEATH, OR TO PROPERTY ARISING OUT OF ACCESS TO AND USE OF ANY WEBSITE ASSOCIATED WITH THIS GIVEAWAY OR THE DOWNLOADING FROM AND/OR PRINTING MATERIAL DOWNLOADED FROM SUCH SITE.

WITHOUT LIMITING THE FOREGOING, EVERYTHING REGARDING THIS GIVEAWAY, INCLUDING THE WEBSITE AND ALL PRIZES, ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. SOME JURISDICTIONS MAY NOT ALLOW THE LIMITATIONS OR EXCLUSIONS OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY. CHECK LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONS REGARDING THESE LIMITATIONS OR EXCLUSIONS.
Publicity: EXCEPT WHERE PROHIBITED BY LAW, PARTICIPATION IN THE GIVEAWAY CONSTITUTES PARTICIPANT’S GRANT TO SPONSOR (WHICH GRANT WILL BE CONFIRMED IN WRITING ON REQUEST OF SPONSOR), AND THE RELEASED PARTIES THE RIGHT AND PERMISSION TO PRINT, PUBLISH, BROADCAST, AND USE, WORLD WIDE IN ANY MEDIA NOW KNOWN OR HEREAFTER DEVELOPED, INCLUDING BUT NOT LIMITED TO THE WORLD WIDE WEB, AT ANY TIME OR TIMES, THE PARTICIPANT’S ENTRY, NAME, PORTRAIT, PICTURE, VOICE, LIKENESS, OPINIONS, AND BIOGRAPHICAL INFORMATION (INCLUDING BUT NOT LIMITED TO HOMETOWN AND STATE) FOR ADVERTISING, TRADE, AND PROMOTIONAL PURPOSES (INCLUDING THE ANNOUNCEMENT OF HIS OR HER NAME ON TELEVISION OR RADIO BROADCAST) WITHOUT ADDITIONAL CONSIDERATION, COMPENSATION, PERMISSION, OR NOTIFICATION. PARTICIPANTS AGREE THAT SPONSOR SHALL OWN THE ENTRIES, WHICH WILL NOT BE ACKNOWLEDGED OR RETURNED, AND THAT SPONSOR AND ITS DESIGNEES SHALL HAVE THE PERPETUAL, WORLDWIDE RIGHT TO EDIT, PUBLISH, AND USE THE ENTRIES IN ANY WAY AND IN ANY MEDIA FOR TRADE, ADVERTISING, PROMOTIONAL, AND/OR OTHER PURPOSES AS SPONSOR AND/OR ITS DESIGNEES MAY DETERMINE WITHOUT FURTHER CONSIDERATION TO PARTICIPANTS OR ANY THIRD PARTY.

Disputes: This GIVEAWAY is governed by the laws of the United States. Except where prohibited, Participant agrees that: (1) any and all disputes, claims and causes of action arising out of or connected with this GIVEAWAY or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the United States District Court for the Eastern District of California or the appropriate State Court located in Sacramento County, California; (2) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this GIVEAWAY, but in no event attorneys’ fees; and (3) under no circumstances will Participant be permitted to obtain awards for, and Participant hereby waives all rights to claim, indirect, punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the Participant and Sponsor in connection with the GIVEAWAY, shall be governed by, and construed in accordance with, the laws of the State of California, without giving effect to any choice of law or conflict of law rules (whether of the State of California or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of California.

Privacy: By entering in this Promotion, Participant agrees that Information collected from Participants is subject to the Sponsor’s Privacy Policy, which can be found at tdicinsurance.com/privacy. Participant further agrees to allow the Sponsor and Sponsor’s agents, affiliates, subsidiaries, representatives, contractors, or service providers to use Participants’ personal information submitted with entry for all purposes allowed by Sponsor’s Privacy Policy; for Prize fulfillment; and to update the membership database maintained by Sponsor and/or in advertising or marketing materials; and to send Participant advertising or marketing materials and/or any other purpose permitted by applicable law and/or regulation.

For a copy of the Official Rules visit tdicinsurance.com/disclaimer. Rules will be available for 90 days after Promotion expires.

Copyright © 2025 The Dentists Insurance Company. All trademarks used herein are the property of their respective owners in the United States and abroad. All rights reserved. 

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY. A PURCHASE OR PAYMENT WILL NOT INCREASE YOUR CHANCES OF WINNING. Void where prohibited by law and outside the United States. Subject to all federal, state, and local laws, regulations, and ordinances. Promotion begins on May 8, 2025 at 12:00 a.m. Pacific Time ("PT") and ends on May 10, 2025 at 11:59 p.m. PT (the "Promotion Period") or until supply of gift cards (20) lasts, whichever occurs first. Sponsor's computer is the official time-keeping device for this Promotion. THIS PROMOTION IS IN NO WAY SPONSORED, ENDORSED OR ADMINISTERED BY, OR ASSOCIATED WITH, VISA® OR META PLATFORMS, INC.® OR LINKEDIN® OR ANY OTHER PLATFORM WHERE IT IS ADVERTISED. THIS SWEEPSTAKES IS FOR THE PURPOSE OF PROMOTING SALES OF INSURANCE PRODUCTS.

1. Eligibility: To participate in the TDIC Insurance Policy Review Giveaway (the “Promotion”), you must be among the first 20 licensed dentists, in good standing, in AZ; CA; IL; MN; MT; NV; ND; OR; WA or TN during the Promotion Period. You must also be at least the age of majority in your jurisdiction of primary residence at the time the gift card is received and a legal resident of the fifty (50) United States or the District of Columbia. Participation constitutes participant’s full and unconditional agreement to these Official Rules, the Sponsor’s Privacy Policy and to Sponsor’s decisions, which are final and binding in all matters related to the Promotion and which Sponsor may decide in its sole discretion. Receiving a gift card is contingent upon fulfilling all requirements set forth herein.

2. Sponsor: The Dentists Insurance Company (“TDIC”), 1201 K Street, 14th Floor, Sacramento, California, 95814, Cal. Insurance Certificate of Authority number 2361-4. TDIC offers a package of insurance plans for dentists, including professional and dental business liability, commercial property, workers’ compensation, employment practices liability, and cyber protection. Not all lines of coverage are offered in every state. TDIC Insurance Solutions offers insurance plans for disability and group health (among other coverages) through other insurance carriers.

3. Entry: During the Promotion Period, the first 20 eligible dentists who will be considered participants (“Participants”). Participant entry will close when the Promotion Period ends or until supply of gift cards (20) lasts, whichever occurs first. You must provide all required information to be eligible to enter and win. Such information includes, but is not limited to, most current insurance declarations pages covering Participant’s dental practice; or other information describing Participant’s most current insurance coverage limits per type of coverage, applicable deductibles, practice location(s), and any other information sufficient to conduct an insurance policy review. Participant must be present during such insurance policy review. LIMIT ONE (1) ENTRY PER eligible PERSON PER PROMOTION PER CONSECUTIVE TWELVE MONTH PERIOD. ADDITIONAL ENTRIES MAY BE DISQUALIFIED. Normal internet access, phone, and usage charges imposed by your online or phone service may apply.

Sponsor and Sponsor’s agents, affiliates, subsidiaries, representatives, third-party vendors and/or service providers may use entrants’ and/or referrals’ personal information submitted with entry for purposes of gift card fulfillment and/or to update the membership database maintained by Sponsor, and as provided for in these Official Rules.

Verification of Potential Participants: ALL potential PARTICIPANTS ARE subject to verification by Sponsor, whose decisions are final AND BINDING IN ALL MATTERS RELATED TO THE PROMOTION. A PARTICIPANT is not entitled to any gift card unless and until PARTICIPANT’S eligibility has been verified and PARTICIPANT has been notified that verification is complete.
By participating in this Promotion, Entrant acknowledges that such insurance policy review may be completed within a reasonable amount of time (typically from 15 to 45 minutes (depending on the types of and complexity of insurance being reviewed) for this Promotion. Participant further agrees that such time needed for insurance policy review does not constitute “consideration and/or purchase of goods or services” as such terms may apply under state or federal laws and regulations.

4. Gift cards: The first 20 Participants will receive one (1) $100 Visa® gift card at the completion of a an in-person policy review. Issuer terms and conditions apply to card; see front and back of card for terms. Approximate Retail Value (“ARV”) of each gift card: $100. Each of the first 20 verified Participants will be handed a physical $100 Visa gift card at the conclusion of their policy review. In the event a Participant is disqualified for any reason, the gift card for that Participant will remain un-awarded or Sponsor may, at its sole discretion, award the gift card to a qualified Participant. Recipients of a gift card may request, and will, upon such request, be given evidence, which shows that the gift card matches the gift card, which was randomly (or otherwise) selected for that recipient.

Gift Card Restrictions: Any and all applicable federal, state, and local taxes and all fees and expenses related to acceptance and use of the gift card not specifically stated herein are the responsibility solely of gift card recipient. Sponsor will not replace any lost or stolen gift card. Gift card cannot be substituted, assigned, transferred, or redeemed for cash; however, Sponsor reserves the right to make equivalent gift card substitutions. Gift card cannot be used in conjunction with any other promotion or offer.

5. General Conditions: WARNING: ANY ATTEMPT TO UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAW, AND, SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO PROSECUTE AND SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. Neither Sponsor nor anyone acting on its behalf will enter into any communications with any participant regarding this Promotion, except as expressly set forth in these Official Rules. Sponsor reserves the right at its sole discretion to disqualify any individual it finds to be attempting to tamper with or undermine the entry process, and/or the legitimate operation of the Promotion; to violate the Official Rules; or to act in an unsportsmanlike or disruptive manner or with the intent to annoy, abuse, threaten, or harass any other person. Sponsor and its agents are not responsible for (1) any incorrect or inaccurate information, whether caused by participants, printing errors or by any of the equipment or programming associated with or utilized in the Promotion; (2) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (3) unauthorized human intervention in any part of the entry process or the Promotion; (4) technical or human error which may occur in the administration of the Promotion or the processing of entries; or (5) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from participant’s participation in the Promotion or receipt or use or misuse of any gift card.; (6) any claims or damages based on the incapacity (including, but not limited to illness) or unavailability of TDICIS insurance agent(s) from performing any insurance policy review(s). If, for any reason, the Promotion is not capable of running as planned due to causes beyond the control of Sponsor, which corrupt or affect the operation, administration, security, fairness, integrity, or proper conduct of this Promotion, Sponsor may, in its sole discretion, void any suspect entries and (a) cancel or terminate the Promotion (or any portion thereof) and award the offered gift card at random from among the eligible, non-suspect entries received up to the time of the impairment or (b) modify or suspend the Promotion to address the impairment and then resume the Promotion in a manner that best conforms to the spirit of these Official Rules.

6. Release and Limitations of Liability: BY PARTICIPATING IN THIS PROMOTION, PARTICIPANT AGREES THAT SPONSOR, VISA INC., AND THEIR RESPECTIVE PARENT COMPANIES, AFFILIATES, SUBSIDIARIES, REPRESENTATIVES, CONSULTANTS, CONTRACTORS, LEGAL COUNSEL, ADVERTISING, PUBLIC RELATIONS, PROMOTIONAL, FULFILLMENT AND MARKETING AGENCIES, WEB SITE PROVIDERS, WEB MASTERS, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS (THE “RELEASED PARTIES”) WILL HAVE NO LIABILITY WHATSOEVER FOR, AND SHALL BE HELD HARMLESS BY PARTICIPANTS AGAINST, ANY LIABILITY FOR ANY INJURIES, LOSSES OR DAMAGES OF ANY KIND TO PERSONS, INCLUDING PERSONAL INJURY OR DEATH, OR PROPERTY RESULTING IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, FROM ACCEPTANCE, POSSESSION, MISUSE, OR USE OF THE GIFT CARD, ENTRY, OR PARTICIPATION IN THIS PROMOTION OR IN ANY PROMOTION RELATED ACTIVITY, OR ANY CLAIMS BASED ON PUBLICITY RIGHTS, DEFAMATION OR INVASION OF PRIVACY, OR MERCHANIDISE DELIVERY. THE RELEASED PARTIES ARE NOT RESPONSIBLE IF ANY GIFT CARD CANNOT BE AWARDED DUE TO CANCELLATIONS, DELAYS, OR INTERRUPTIONS DUE TO, AND NOT LIMITED TO: ACTS OF GOD, ACTS OF WAR, NATURAL DISASTERS, WEATHER, OR TERRORISM. BY PARTICIPATING IN THIS PROMOTION, PARTICIPANTS AGREE THAT THE RELEASED PARTIES WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY INJURIES, DAMAGES, OR LOSSES OF ANY KIND, INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES TO PERSONS, INCLUDING DEATH, OR TO PROPERTY.

WITHOUT LIMITING THE FOREGOING, EVERYTHING REGARDING THIS PROMOTION, INCLUDING ALL GIFT CARDS, ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. SOME JURISDICTIONS MAY NOT ALLOW THE LIMITATIONS OR EXCLUSIONS OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY. CHECK LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONS REGARDING THESE LIMITATIONS OR EXCLUSIONS.

7. Publicity: EXCEPT WHERE PROHIBITED BY LAW, PARTICIPATION IN THE PROMOTION CONSTITUTES PARTICIPANT’S GRANT TO SPONSOR (WHICH GRANT WILL BE CONFIRMED IN WRITING ON REQUEST OF SPONSOR), AND THE RELEASED PARTIES THE RIGHT AND PERMISSION TO PRINT, PUBLISH, BROADCAST, AND USE, WORLDWIDE IN ANY MEDIA NOW KNOWN OR HEREAFTER DEVELOPED, INCLUDING BUT NOT LIMITED TO THE WORLD WIDE WEB, AT ANY TIME OR TIMES, THE PARTICIPANT’S NAME, PORTRAIT, PICTURE, VOICE, LIKENESS, AND BIOGRAPHICAL INFORMATION FOR ADVERTISING, TRADE, AND PROMOTIONAL PURPOSES WITHOUT ADDITIONAL CONSIDERATION, COMPENSATION, PERMISSION, OR NOTIFICATION. PARTICIPANTS AGREE THAT SPONSOR SHALL OWN THE ENTRIES, WHICH WILL NOT BE ACKNOWLEDGED OR RETURNED, AND THAT SPONSOR AND ITS DESIGNEES SHALL HAVE THE PERPETUAL, WORLDWIDE RIGHT TO EDIT, PUBLISH, AND USE THE ENTRIES IN ANY WAY AND IN ANY MEDIA FOR TRADE, ADVERTISING, PROMOTIONAL, AND/OR OTHER PURPOSES AS SPONSOR AND/OR ITS DESIGNEES MAY DETERMINE WITHOUT FURTHER CONSIDERATION TO PARTICIPANTS OR ANY THIRD PARTY.

8. Disputes: This Promotion is governed by the laws of the United States. Except where prohibited, participant agrees that: (1) any and all disputes, claims and causes of action arising out of or connected with this Promotion or any gift card awarded shall be resolved individually, without resort to any form of class action, and exclusively by the United States District Court for the Eastern District of California or the appropriate State Court located in Sacramento County, California; (2) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Promotion, but in no event attorneys’ fees; and (3) under no circumstances will participant be permitted to obtain awards for, and participant hereby waives all rights to claim, indirect, punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the participant and Sponsor in connection with the Promotion, shall be governed by, and construed in accordance with, the laws of the State of California without giving effect to any choice of law or conflict of law rules, which would cause the application of the laws of any jurisdiction other than the State of California.

9. Privacy: By entering in this Promotion, Participant agrees that information collected from participants is subject to the Sponsor’s Privacy Policy, which can be found at tdicinsurance.com/Privacy. Sponsor and Sponsor’s agents, affiliates, subsidiaries, representatives or service providers may use entrants’ and/or referrals’ personal information submitted with entry for all purposes allowed by Sponsor’s Privacy Policy; for of gift card fulfillment; direct and mass marketing communications; and/or to update the membership database maintained by Sponsor; or any other purpose permitted by applicable law and/or regulation.