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Terms and Conditions - Sagicor Bank Summer

Sagicor Bank Summer Terms and Conditions

These terms and conditions apply to this competition, prize draw or promotion which Sagicor Bank (Barbados) Limited ("Sagicor Bank" or “We” or “Our”) and Our promotion partners, A-One Supermarkets Ltd.,  Elevate Entertainment , MGP Entertainment , Ocean Hotels Group, Nouvelle Vie Inc. , Sagicor General Insurance Inc., 4D Enterntainment Ltd. , Vibe Network Inc.  (“Promotion Partners”) may run, (“Terms and Conditions”) whether on Our or Promotion Partners’ websites, social media platforms, on-air or otherwise (the “Promotion”). We offer to the Barbados public (“You” or “Your”) the opportunity to participate in Our Promotion. We reserve the right to amend or terminate the Promotion at any time, for any reason. The Promotion is administered by Sagicor Bank in conjunction with the Promotion Partners.

You are bound by these Promotion Terms and Conditions by participating in the Promotion. By participating in the Promotion, You agree to use the Promotion in the manner specified in these Terms and Conditions. If You do not agree to these Terms and Conditions in their entirety, You are not authorized to register or to participate in the Promotion in any other manner. You may not participate in the Promotion where doing so would be prohibited by any applicable law or regulations.

We reserve the right to vary, amend or replace all or any of these Terms and Conditions at any time and/or the methods through which Prizes are earned without prior notice.  We shall notify You of any changes made to these Terms and Conditions as soon as is practicable and any changes to these Terms and Conditions will be communicated to You via any of the following means, that is, market announcements, notices via Sagicor Bank App, Sagicor Bank Website, our Automated Banking Machine (“ABM”) screens, email or any other method of communication that Sagicor Bank desires to utilize.  Sagicor Bank considers You to have received notice on the same day it was posted via the market announcement, posted via Sagicor Bank Mobile App or Sagicor Bank Website, our ABM screens or the same day it was sent via email.   You acknowledge that any time You access and use any product or service of Sagicor Bank or continue participating in the Promotion after an amendment to any part of this Agreement You accept and agree to the changes.

We reserve the right to disqualify You from participation in the Promotion at any time at our sole discretion, including without limitation if he/she does not comply with any of these Terms and Conditions or otherwise fails to comply with any applicable laws (including, without limitation, through any failure to include any disclosures as required by Sagicor Bank).

Minors

No part of the Promotion is directed to persons under the age of 18. IF YOU ARE UNDER 18 YEARS OF AGE, YOU MAY NOT USE, ACCESS, OR PARTICIPATE IN THE PROMOTION AT ANY TIME OR IN ANY MANNER.

How the Promotion Works

 

1.            Start and end date/time: the Promotion will start from 28 July, 2023 at 8:00 pm and close on 30 August, 2023 at 4:00 pm. All times shall be based on Barbados time and any entries outside of this period shall not be eligible for the Promotion.

2.            To participate in this Promotion, You must complete one (1) of the following four (4) tasks within the promotional period:

a.            Open a Sagicor Bank  account;

b.            Pay a bill using the Sagicor Bank Mobile App;

c.             Get approved for a loan by Sagicor Bank; or

d.            Send an international wire using the Sagicor Bank App.

3.            The “Prize(s)” are listed below:

a.            Crop Over Tickets – One (1) ticket per individual winner for one of the following events:

1.            Lost in Paradise,

2.            Mimosa,

3.            Rise,

4.            Lifted,

5.            Soca on De Hill, or

6.            Vibeland.

b.            Funds (BBD $250) to your Sagicor Bank Account.

c.             Grocery vouchers valued at BBD $100 for weekly prize draws or $1000 for grand prize

d.            Insurance Coverage valued at BBD $500 for weekly prizes or $2000 for grand prize

e.            Sagicor Bank Swag, a bluetooth speaker or a wireless charger

f.             A two-night staycation package, for 2 adults in a Luxury Junior Suite at the O2 Beach Club & Spa,

These Prizes will be issued within one (1) week of the winner announcement.

4.            Entering the Promotion. The Promotion will be open to individuals who are Barbados residents over the age of 18.

5.            All Our employees and all employees of the Sagicor Group of Companies, Our promotion partners and their immediate family members or households (whether related or not), and anyone else professionally involved with the relevant Promotion, are excluded from entering and from winning (“Excluded Individual(s)”).

6.            Selection of winner: On select days, a random selection of an entrant will be done by Sagicor Bank by an automated process. We will contact this winning entrant by telephone using the telephone number provided on signing up for an account listed in tab 2 hereinabove with Sagicor Bank, and the selected entrant will have to first verify that they are not an Excluded Individual and then correctly answer a skills question to be awarded the Prize. If the question is incorrectly answered, another randomly selected entrant will be contacted by Us until an eligible entrant correctly answers the skills question and is awarded the Prize.

7.            Publicity and identity of winners: If You win the Prize, You may be required to take part in reasonable publicity. We may publish and publicize Your name, image, social media handle and/or profile picture and We may refer to Your association with the Promotion and/or the Prize, in any and all media including film, photographs, social/electronic media, worldwide and in perpetuity, for publicity, public relations and/or marketing purposes which You consent to by entering the Promotion.

 

Privacy.

You may participate in the Promotion made available by Sagicor Bank in order participate and be a potential new Sagicor Bank customer. To do this, You must necessarily submit personal information about yourself, such as name and e-mail address information, so that Sagicor Bank can send communications to You. The personal information will be collected, processed and used in accordance with Sagicor Bank’s Privacy Policy, which can be found at Sagicor Bank | Privacy Policy. You understand that, Sagicor Bank may also use the personal information to send to You additional follow-up communications in order to encourage or remind You to complete onboarding with Sagicor Bank. The personal information may also be used by Sagicor Bank to contact You with regards to Your participation in the Promotion and to send to You additional communications from Sagicor Bank.

Content Ownership and Use.

Sagicor Bank’s Online or Sagicor Bank Mobile App or Sagicor Bank Website platform and the Promotion contain content that includes: designs, text, graphics, images, video, information, logos, button icons, software, audio files, computer code, and other content (collectively, "Content"). As between You and Sagicor Bank, all Content is the property of Sagicor Bank or its licensors and is protected under copyright, trademark, and other laws. The compilation (meaning the collection, arrangement, and assembly) of all Content on Sagicor Bank’s Online or Sagicor Bank Mobile App or Sagicor Bank Website platform or the Promotion is the exclusive property of Sagicor Bank and is protected by copyright, trademark, and other laws.

License to You

Sagicor Bank authorizes you, subject to these Terms and Conditions, to access and use Sagicor Bank Online or Sagicor Bank Mobile App or Sagicor Bank Website platform, the Promotion, and the Content solely for Your personal, noncommercial use. This license is revocable at any time without notice and with or without cause. Unauthorized use of the Content may violate copyright, trademark, and applicable communications regulations and statutes and is strictly prohibited. You must preserve all copyright, trademarks, service marks, and other proprietary notices contained in the original Content on any copy You make of it.

Trademarks and User Submitted Content

The registered or unregistered logos, product and service names contained in Sagicor Bank’s Online or Sagicor Bank Mobile App or Sagicor Bank Website platform or the Promotion are or may be trademarks of Sagicor Bank or its licensors (the "Marks"). Without Sagicor Bank’s prior written permission, and except as solely enabled by any link as provided by Sagicor Bank, You agree not to display or use in any manner the Marks.

Liability.

A. By participating in the Promotion, You agree to:

Be bound by these Terms and Conditions, the decisions of Sagicor Bank and its designees, and the Privacy Policy of Sagicor Bank;

Defend, indemnify, release and hold harmless Sagicor Bank, its parent companies, affiliates and subsidiaries, together with their respective employees, directors, officers, licensees, licensors, shareholders, attorneys and agents including, without limitation, their respective advertising and promotion entities and any person or entity associated with the production, operation or administration of the Promotion (collectively, the "Released Parties"), from any and all claims, actions, demands, damages, losses, liabilities, costs or expenses caused by, arising out of, in connection with, or related to Your participation in the Promotion (including, without limitation, any property loss, damage, personal injury or death caused to any person(s) and/or the awarding, receipt and/or use or misuse of the Promotion or any Prize); and

B. Sagicor Bank shall not be liable for:

•             Late, lost, delayed, stolen, misdirected, incomplete, unreadable, inaccurate, unreliable, garbled or unintelligible entries, communications or affidavits, regardless of the method of transmission;

•             Telephone system, telephone or computer hardware, software or other technical or computer malfunctions, lost connections, disconnections, delays or transmission errors;

•             Data corruption, theft, destruction, unauthorized access to or alteration of entry or other materials;

•             Any printing, typographical, administrative or technological errors in any websites or materials associated with the Promotion; or

•             Claims, demands, and damages in disputes among You; or

•             Any other injuries, losses or damages of any kind resulting from acceptance, possession or use of a Prize, or from participation in the Promotion, that were not reasonably foreseeable to Sagicor Bank at the relevant time.

C. Sagicor Bank disclaims any liability for damage to any computer system resulting from participating in or accessing or downloading information in connection with the Promotion, and reserves the right, in its sole discretion, to cancel, modify or suspend the Promotion should a virus, bug, computer problem, unauthorized intervention or other cause beyond Sagicor Bank’s control corrupt the administration, security or proper operation of the Promotion.

D. Sagicor Bank shall not be liable to any You for failure to supply any Prize or any part thereof, by reason of any acts of God, any action(s), regulation(s), order(s) or request(s) by any governmental or quasigovernmental entity (whether or not the action(s), regulations(s), order(s) or request(s) prove(s) to be invalid), equipment failure, threatened terrorist acts, terrorist acts, air raid, blackout, act of public enemy, earthquake, tornado, tsunami, war (declared or undeclared), fire, flood, epidemic, explosion, unusually severe weather, hurricane, embargo, labor dispute or strike (whether legal or illegal), labor or material shortage, transportation interruption of any kind, work slowdown, civil disturbance, insurrection, riot, or any other similar or dissimilar cause beyond any of the Released Parties' control.

E. Sagicor Bank reserves the right to cancel or suspend the Promotion should Sagicor Bank determine, in its sole discretion, that the administration, security or fairness of the Promotion has been compromised in any way.

F. Disclaimer of Warranties

YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (A) YOUR USE OF THE PROMOTION IS AT YOUR SOLE RISK; THE PROMOTION IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS AND SAGICOR BANK EXPRESSLY DISCLAIMS ALL WARRANTIES, CONDITIONS AND TERMS (COLLECTIVELY, "PROMISES") OF ANY KIND, WHETHER EXPRESS OR IMPLIED BY STATUTE, COMMON LAW OR CUSTOM, INCLUDING, BUT NOT LIMITED TO, WARRANTIES AS TO PRODUCTS OR SERVICES OFFERED THROUGH THE USE OF THE PROMOTION, IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT; (B) SAGICOR BANK MAKES AND GIVES NO WARRANTY THAT (i) THE PROMOTION WILL MEET YOUR REQUIREMENTS OR BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE, (ii) THE RESULTS OBTAINED FROM THE USE OF THE PROMOTION WILL BE ACCURATE OR RELIABLE, (iii) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE PROMOTION WILL MEET YOUR EXPECTATIONS, AND (iv) ANY ERRORS IN THE SERVICE WILL BE CORRECTED; AND (C) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE PROMOTION IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF ANY SUCH MATERIAL.

G. Limitation of Liability and Indemnification

YOU EXPRESSLY UNDERSTAND AND AGREE THAT SAGICOR BANK (INCLUDING ANY VENDORS AND SERVICE PROVIDERS ASSOCIATED WITH OR ASSISTING IN PROVIDING THE PROMOTION) SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF SAGICOR BANK WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE PROMOTION; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH, FROM, OR AS A RESULT OF THE PROMOTION; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON OR THROUGH THE PROMOTION; OR (v) ANY OTHER MATTER RELATING TO THE PROMOTION. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS IN THIS PARAGRAPH MAY NOT APPLY TO YOU.

TO THE FULLEST EXTENT POSSIBLE BY LAW, SAGICOR BANK'S (INCLUDING ANY VENDORS AND SERVICE PROVIDERS) MAXIMUM LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE PROMOTION, REGARDLESS OF THE CAUSE OF ACTION (WHETHER IN CONTRACT, TORT, BREACH OF WARRANTY, OR OTHERWISE), SHALL NOT EXCEED $100 USD.

YOU SHOULD USE THE PROMOTION AT YOUR OWN RISK.

Conduct.

A. If a solution cannot be found to restore the integrity of the Promotion after the occurrence of “Prohibited Conduct” (as defined below), Sagicor Bank reserves the right to cancel, change, or suspend the Promotion.

B. Prohibited Conduct, Generally

You agree not to use the Promotion to:

•             Violate applicable law;

•             Infringe the intellectual property rights of Sagicor Bank or any third parties;

•             Stalk, harass, or harm another individual;

•             Collect or store personal data about others;

•             Impersonate any person or otherwise misrepresent Your identity;

•             Interfere with, disrupt or violate the Terms and Conditions or servers or networks connected to the Promotion; or disobey any requirements, procedures, policies, or regulations of such networks;

•             Interfere with another use of the Promotion;

•             Attempt to gain unauthorized access to the Promotion, other accounts, computer systems, or networks connected to the Promotion;

•             Transmit any file that contains viruses, worms, trojan horses, or any other contaminating or destructive features;

•             Conduct any illegal activity or solicit the performance of any illegal activity or other activity that infringes the rights of others;

•             Resell, barter, trade, auction or otherwise generate income by providing access to the Promotion to others.

 

C. Bulk Distribution ("Spam")

If You provide a personal link to Sagicor Bank by email, the email must be created and distributed in a personal manner that is appropriate and customary for communications with You.

Bulk referrals, distribution to strangers, or any other promotion of a Promotion in a manner that would constitute or appear to constitute unsolicited commercial email or "Spam" in Sagicor Bank’s sole discretion is expressly prohibited and may be grounds for immediate termination of the Your participation in the Promotion. Sagicor Bank has a no-tolerance spam policy.

Sagicor Bank has no obligation to monitor the content provided by You; however, Sagicor Bank may choose to do so and block any email messages, remove any such content, or prohibit any use of the Promotion.

While Sagicor Bank is the actual sender of the email, You must nonetheless comply with applicable law. Where You do not comply with the law, including antispam laws, You are obligated to indemnify Sagicor Bank and all of the Released Parties against any liabilities, costs and expenses incurred as a result of such violation.

 Fraudulent and Suspicious Behavior

Sagicor Bank may prohibit You from participating in the Promotion or receiving a Prize, in Sagicor Bank’s sole discretion, if Sagicor Bank determines that You are attempting to undermine the fairness, integrity or legitimate operation of the Promotion in any way by cheating, hacking, deception, or any other unfair playing practices of intending to annoy, abuse, threaten or harass any other You or any representatives of Sagicor Bank.

Use of any affiliate website, affiliate network properties, automated systems, script, or macro to participate is strictly prohibited and will result in disqualification.

You may not enter with multiple or fake emails addresses or accounts, use fictitious identities, or use any system, bot or other device or artifice to participate in the Promotion or receive a Prize.

Sagicor Bank reserves the right to disqualify any You and/or cancel any Prize(s) if Sagicor Bank finds You to be tampering with the entry process or the operation of the Promotion or violating these Terms and Conditions in any way.

CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS AND WILL RESULT IN DISQUALIFICATION FROM PARTICIPATION IN THE PROMOTION. SHOULD SUCH AN ATTEMPT BE MADE, SAGICOR BANK RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEY FEES) TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.

Suggestions and Submissions.

A. Sagicor Bank appreciates hearing from users and welcomes Your comments regarding the Promotion. Please be advised, however, that Sagicor Bank does not accept or consider creative ideas, suggestions, inventions, or materials ("Creative Ideas") other than those which we have specifically requested. While Sagicor Bank values Your feedback on the Promotion, please be specific in Your comments and do not submit Creative Ideas. If, despite this request, You send Sagicor Bank Creative Ideas, Sagicor Bank:

•             Shall own, exclusively, all now known or later discovered rights to the Creative Ideas;

•             Shall not be subject to any obligation of confidentiality and shall not be liable for any use or disclosure of any Creative Ideas; and

•             Shall be entitled to unrestricted use of the Creative Ideas for any purpose whatsoever, commercial or otherwise, without compensation to You or any other person.

Applicable Law; Arbitration.

A. Any and all disputes, claims and causes of action arising out of or related to the Promotion or any Prize or other prize awarded pursuant to the Promotion or to this agreement shall be resolved under Barbados law (without reference to its conflicts of laws principles).

B. You and Sagicor Bank agree to submit to the personal and exclusive arbitration of any disputes relating to the use of Sagicor Bank’s Online or Sagicor Bank Mobile App or Sagicor Bank Website platform or the Promotion under the Rules of Arbitration of the International Chamber of Commerce. Any such arbitration, to the extent necessary, shall be conducted in Barbados. You covenant not to sue or otherwise bring a claim against Sagicor Bank in any other forum.

General Terms.

These Terms and Conditions constitute the entire agreement between You and Sagicor Bank concerning Your use of the Promotion. The failure of Sagicor Bank to exercise or enforce any right or provision of these terms shall not constitute a waiver of such right or provision. If any provision of these terms is found by a court of competent jurisdiction to be invalid, Sagicor Bank and You nevertheless agree that the court should endeavor to give effect to the intentions reflected in the provision, and that the other provisions of these terms shall remain in full force and effect. The section titles in these Terms and Conditions are for convenience only and have no legal or contractual effect. A person who is not a party to these terms shall have no right to enforce or receive the benefit of any of these terms.