1. The promoter of this prize draw is Columbus Travel Insurance Services Ltd, trading as Columbus Direct, registered in England, whose registered address is Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU (referred to as the “Promoter”).
  2. To enter the draw, entrants must complete a review on the Trustpilot review service at http://www.trustpilot.co.uk/review/www.columbusdirect.com.
  3. Entrants must be over 18 years old.
  4. The prize draw period is from 09.00am (GMT) 14/09/2017 to 11.59pm 31/12/2017 (the “Prize Draw Period”), and thereafter, the prize draw period is quarterly. The closing date for entries into the draw is 11.59pm (GMT) on the last day of every third month. Only fully completed entries received within the Prize Draw Period will be entered into the prize draw.
  5. The prize is £100 payable by cheque (the “Prize”).
  6. Entry to the prize draw is free and must be made in accordance with these terms and conditions.
  7. Entries are limited to one per person.
  8. The winner will be drawn at random from all eligible entrants received.
  9. Participation in the prize draw is open to only residents of those jurisdictions where such participation is legal and not prohibited. Participation in the prize draw is void wherever prohibited by law.
  10. The Promoter makes no representations or warranties, implicit or explicit, as to your legal right to participate in the prize draw nor shall any of the Promoter’s employees, licensees, distributors, affiliates, subsidiaries, advertising, promotion or other agencies, media partners, agents or retailers have the authority to make any such representations or warranties.
  11. Your participation in the prize draw is at your sole option, discretion and risk.
  12. You should hold the Promoter, its employees, officers, directors, licensees, distributors, affiliates, subsidiaries, advertising, promotion or other agencies harmless and shall fully indemnify the same from any and all costs, expenses, liabilities and damages whatsoever that may arise as a result of (i) your entry into the prize draw or (ii) your acceptance of the Prize. For the avoidance of doubt, under no circumstances will Promoter be liable for any breach of state or country law that may occur as a result of your participation in the prize draw.
  13. The Promoter accepts no responsibility or liability for loss or damage arising from an inability to enter the prize draw due to computer failure, viruses, bugs and other such similar causes, lost, delayed or incomplete entries howsoever arising.
  14. No responsibility is accepted by Promoter for lost Prize and proof of dispatch will not be accepted as proof of receipt.
  15. Employees of the Promoter, The Collinson Group Limited or any of its sub-contractors, subsidiary companies, agencies or their families are not permitted to enter.
  16. No third party entries, bulk entries or entries submitted by agents will be accepted. The Promoter reserves the right to verify the eligibility of all entrants.
  17. The Promoter may require such information as it considers reasonably necessary for the purpose of verifying the eligibility of an entry and the Prize may be withheld until and unless the Promoter is satisfied with the verification. The winner will be notified by email within 30 days after the end of the Prize Draw Period.
  18. The Prize is awarded conditionally upon acceptance and, if the winner is unable to be contacted after 30 days, or if the Prize is unclaimed or declined within 30 days, at the Promoters’ absolute discretion, the Prize shall be deemed as unclaimed or unaccepted and a supplementary winner may be drawn from the eligible entries that were received before the end of the Prize Draw Period.
  19. The Promoter’s decision is final and binding on the entrants. No correspondence will be entered into.
  20. The Prize is not transferable and is non-negotiable. No cash or credit alternatives will be offered.
  21. The Prize will be posted to the winner by recorded delivery. The Promoter accepts no responsibility and no liability will be accepted by the Promoter if the Prize is lost or damaged whilst in transit to the winner.
  22. In the event of fraud, abuse, and/or an error affecting the proper operation of the prize draw, including the allocation of more prizes than are available, the Promoter reserves the right to end or suspend the prize draw; amend these terms & conditions; declare void the notification of winner(s); and/or to allocate available prizes by conducting a simple draw from all wrongly allocated winners.
  23. The Promoter reserves the right to suspend, cancel or amend the prize draw and/or review and revise these terms and conditions at any time without giving prior notice and, by continuing to take part in the prize draw subsequent to any revision of these terms and conditions, entrants shall be deemed to have agreed to any such new or amended terms and the entrant agrees that no liability shall attach to the Promoter as a result thereof.
  24. By entering, all entrants grant to the Promoter the right to publish their name and location for publicity, research and news purposes but, under no circumstances, will the entrants’ personal data be published without prior written permission from the entrant.
  25. The Promoter reserves the right to retain any data gathered via the prize draw but this will be done in strict accordance with data protection regulations.
  26. Entrants' data will be collected, stored and processed for the purposes of administering and assessing the prize draw and to keep the entrant informed of selected products, services, free offers, discounts and relevant news available from The Collinson Group. Entrants are advised to read the Privacy Policy available at www.columbusdirect.com/privacy-policy/.
  27. The name of the winner may be obtained by sending a signed request along with a stamped self-addressed envelope detailing your request to Marketing Manager, The Collinson Insurance Group, Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU.
  28. All and any promotional materials and instructions provided at the point of entry form part of these terms and conditions and, in the event of a conflict, these terms & conditions take precedence.
  29. This prize draw and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) will be governed by English law. Any dispute or claim arising out of or in connection with the prize draw or its formation (including non-contractual disputes or claims) will be subject to the exclusive jurisdiction of the English Courts.
  30. If any provision of these terms and conditions is held invalid by any law, rule, order or regulation of any government, or by the final determination of any court of a competent jurisdiction, such invalidity shall not affect the enforceability of any other provisions not held to be invalid.