Quesnay's Female Founders in InsurTech 2020 Competitor Agreement

QUESNAY’S FEMALE FOUNDERS IN INSURTECH 2020

INNOVATION COMPETITION OFFICIAL RULES

NO PURCHASE NECESSARY TO ENTER OR WIN.  A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.  VOID WHERE PROHIBITED OR RESTRICTED.

This Quesnay Female Founders in InsurTech 2020 Innovation Competition (the "Contest") begins on June 17, 2020 at 12:00 pm Eastern Daylight Time (“EDT”) and ends at the conclusion of the Final Pitch Event, currently scheduled to take place on, or within five (5) business days of, September 21, 2020 (the "Contest Period").  This Contest is sponsored by Quesnay Inc., 201 Washington St., Boston, MA  02108 USA ("Sponsor" or "Quesnay").  Registration into this Contest constitutes acceptance of these Official Rules and the decisions of Sponsor, which shall be final and binding in all respects.  If you do not agree to be legally bound by these Official Rules, then do not participate in this Contest.

1.  CONTEST OBJECTIVE

The challenge question for this Contest is: “Digital technology continues to transform the global insurance industry (with the recent pandemic further accelerating change). How will your startup fuel essential innovation?”

2.  ELIGIBILITY

A.  Eligibility Criteria: This Contest is open to individuals who are 18 years of age or older at the time of entry.  This Contest is also open to Eligible Entities who apply via an Authorized Representative.  An Eligible Entity is a sole proprietorship, corporation, partnership, or other entity that is in compliance with the applicable laws, decrees, regulations, and guidelines of its jurisdiction of residence.  Eligible Entities may be required to submit proof of eligibility to Sponsor in the form of an Employer Identification Number, Articles of Incorporation, Certificate of State Registration, or other form of government-issued documentation deemed acceptable by Sponsor in its sole and absolute discretion.  An Authorized Representative is an individual who is (a) 18 years of age or older, and (b) a legally authorized representative of an Eligible Entity for purposes of submitting an entry to the Contest.  An Authorized Representative may be required to submit written proof of his or her authorization to submit an entry into the Contest on behalf of an Eligible Entity. Proof of authorization will be evaluated by Sponsor in its sole and absolute discretion.  Sponsor is not responsible or liable for any disputes between individuals and/or entities arising under or related to the Contest. Eligible Individuals and Eligible Entities are each hereinafter referenced as “Participant” or “you.”  Participants who are not legal residents of the United States agree to be solely responsible for any legal obligation or liability, whether incurred by Participant or Sponsor, that may arise out of Participant’s participation in the Contest as a resident of any non-U.S. country or jurisdiction.

B.  Additional Eligibility Criteria: The following additional eligibility criteria also apply:

a. Participant must be an Authorized Representative of an Eligible Entity or an eligible individual entrant; 

b. Participant (if Participant is an individual) or Participant’s Authorized Representative (if Participant is an Eligible Entity) must be a female (or identifies as female) founder, co-founder, CEO, or C-Suite leader;

c. Participant’s product offering must be relevant to the insurance industry and address technology opportunities as determined by Sponsor in its sole discretion; **may have broader applicability than insurance**

d. Participant must at least have a Minimum Viable Product (MVP) that has a planned launch or has already been launched in-market, as determined by Sponsor in its sole discretion; ** no cap on required experience level or time in market **

C. Ineligibility: The following individuals and entities are not eligible to participate: (a) employees, vendors, or promotion partners of Sponsor or their respective parent/subsidiaries, agents, and affiliates; (b) the immediate family members or members of the same household of any such employee or vendor or promotion partner; (c) any individual or entity professionally involved in the development or administration of this Contest; (d) employees of or entities that are governments and/or government-affiliated companies or organizations; or, (e) any employee whose employer's guidelines or regulations do not allow entry in the Contest or acceptance of the prize(s).

This Contest is not open to individuals who are permanent residents of the province of Quebec, Canada during the Contest Period, entities with one or more team members who are permanent residents of the province of Quebec, Canada during the Contest Period, or entities located or registered in the province of Quebec, Canada, of which one or more of the owners are permanent residents of the province of Quebec, Canada during the Contest Period.  Canadian participants may be required, in Sponsor’s sole discretion, to provide proof of a permanent address, business location(s), and/or registration (as applicable) outside of Quebec for verification purposes.  In addition, the following are also not eligible to participate:  residents of Cuba, Iran, Syria, North Korea, Myanmar (formerly Burma), Sudan, and/or any individuals or entities that are prohibited from doing business in the United States by the government of the United States. This Contest is void in these countries and where otherwise prohibited or restricted by law.

PLEASE NOTE: Individuals and/or entities that have previously received a monetary Prize in the 2017 Female Founders in Technology Competition, the 2018 Female Founders in InsurTech Competition, the 2018 Female Founders in FinTech Competition, the 2019 Female Founders in InsurTech Competition, or the 2019 Female Founders in FinTech Competition, are not eligible to participate in this Contest.

3. ENTRY & PARTICIPATION

The Contest registration page, containing additional rules and instructions, will be available at www.Quesnays.com/FFInsurTech2020 (the “Contest Site”) and www.HeroX.com/FFInsurTech2020 (the “Contest Platform Site”).

A. Round 1: Participants must follow these steps: 

a. Step One – Submission (Starting Wednesday, June 17, 2020 at 12:00 PM EDT through Sunday, July 26, 2020 at 11:59 PM EDT): Register on the Contest Platform Site (www.HeroX.com/FFInsurTech2020) and complete and submit the Submission Form.  The Submission Form will require you to provide basic demographic information (e.g., organization name, contact name, address), confirm you have not violated any relevant laws, and click-accept these Official Rules, including the Contest Platform Site Terms.  The Submission Form also includes closed and open-ended questions that are intended to allow Sponsor to obtain an understanding of your product or solution.  You will also have the option to upload a video demonstration of the product or solution (no more than 2 minutes in length).  See Section 3.C.a. below for additional technical details regarding video submissions.  Completed Submission Forms must be received by Sponsor no later than 11:59 PM EDT on Sunday, July 26, 2020 (“Submission Deadline”).  Sponsor may, in its sole and utter discretion, choose to extend the Submission Deadline. 

b. Step Two – Submission Acceptance (ongoing throughout Round 1): Once your Submission Form has been received by Sponsor, Sponsor in its discretion may review your Submission for purposes of compliance with these Official Rules.  While your Submission Form is undergoing this review, it is not yet considered a Submission into the Contest.  Only after your Submission Form is accepted by Sponsor (in its sole and absolute discretion) will your Submission Form become a “Submission” into the Contest.

c. Step Three – Online Judging (Starting Friday, July 31, 2020 at 9:00 AM EDT through Sunday, August 9, 2020 at 11:59 PM EDT): Online Judges will review and score all Submissions (see Judging Criteria below) to identify five (5) Participants to move ahead in the Contest as Round 2 Finalists.  Sponsor will endeavour in good faith to notify Participants whether they have qualified to participate in Round 2 of the Contest by email, telephone, or other mechanism (in Sponsor’s sole discretion) by no later than approximately 12:00 PM EDT on Tuesday, August 11, 2020.  Participants will have 48 hours to confirm their participation as Round 2 Finalists.  If a Participant does not respond by the deadline, the Participant may be disqualified or forfeit a possible prize.  Sponsor may, in its sole and utter discretion, choose to postpone, reschedule, or extend the Online Judging period.

B. Round 2: Steps Five and Six will occur offline (outside of the Contest Site and Contest Platform Site)

a. Step Five – Pitch Materials: Round 2 Finalists will be required to provide their final Round 2 Pitch Materials to Sponsor via email or cloud-hosted shared drive (details will be determined by Sponsor) by 11:59 PM EDT on Friday, September 11, 2020 (“Final Pitch Materials Deadline).  The Sponsor will review all Pitch Materials prior to the Final Pitch Event.  Sponsor may, in its sole and utter discretion, choose to extend the Final Pitch Materials Deadline.

b. Step Six – Final Pitch Event (on, or within five (5) business days of, Monday, September 21, 2020): The Final Pitch Event is scheduled to take place virtually, in conjunction with InsureTech Connect Digital (www.InsureTechConnect.com).  Each Round 2 Finalist will be required to deliver a five (5) minute pre-recorded virtual pitch to a panel of Final Pitch Judges, followed by five (5) minutes of live virtual Q&A with those Final Pitch Judges.  The Final Pitch Judges will evaluate each pitch (see Judging Criteria below) and identify three “Female Founders in InsurTech 2020 Prize Winners" who will be awarded the prizes described below. 

In addition, the audience may also select a “People’s Choice Winner” from the Round 2 Finalists.  Each attendee in the audience will be given one vote.  The Round 2 Finalist with the greatest number of votes will receive the prize described below.  The “People’s Choice Winner” may overlap with one of the three “Female Founders in InsurTech 2020 Prize Winners.”

Sponsor reserves the right to modify, cancel, or terminate the Final Pitch Event in case of unforeseen circumstances.  In such circumstances, Sponsor will endeavour in good faith to communicate such changes to all Round 2 Finalists, in advance.

C. Submission Form and Requirements:

a. Technical Requirements: The Round 1 Submission Form will provide the option of including a link to a brief video demonstration (collectively, “Video Link”).  As noted on the Contest Platform Site, links must be to uploaded videos on YouTube or Vimeo. Participants should be sure to save their video files in the original format, after uploading it to YouTube or Vimeo. If you are later determined to be a potential winner, you may need to provide Sponsor with your video in its original format in order for the video to be used in certain formats.

b. Length and Language Requirements: The Round 1 Submission Form will include requirements on the length, format, and language required for the responses to each question on the Round 1 Submission Form.

c. Additional Entry Conditions: Additional Conditions” described below or otherwise in these Official Rules (e.g., regarding originality, third party rights, and permissions and releases, etc.).  All entries (including Round 1 and Round 2) not meeting the requirements as set forth in these Official Rules or the instructions on the Contest Site or Contest Platform Site, or that contain prohibited, inappropriate, or irrelevant content, as determined by Sponsor in its sole discretion, will not be eligible for judging and will be disqualified.  All Entries suspected by Sponsor of violating the proprietary rights of any third party (including intellectual property rights and rights of privacy/publicity), or any local, state, or federal law(s) will be disqualified, at Sponsor’s discretion.  Posting of a Video Link on the Contest Site or Contest Platform Site by Sponsor does not mean the Video Link has been deemed by Sponsor to be in compliance with these Official Rules.

d. Clock: The Sponsor’s clock is the official time keeping device for this Contest. Entries must be received by the date and time listed in these Official Rules to qualify.  No hand, mail, or email deliveries will be accepted for Round 1 Submission Forms.  No hand or mail deliveries will be accepted for Round 2 Pitch Materials.

e. General Entry Terms:  Once you register and submit your Round 1 Submission Form, you may not further modify or edit your Round 1 Submission Form.  The individual or entity named as the Participant on the Registration Form for the Submission will be deemed the Participant.

All Participants must provide and maintain a valid email address for the duration of the Contest.  Sponsor is entitled to send any correspondence associated with this Contest by email.  Participants are responsible for making sure that they can be reached by email.  If an entrant cannot be reached or fails to timely respond to an email, the Participant may be disqualified or forfeit a possible prize.

In the event of dispute regarding the identity of a Participant, the dispute will be resolved in favour of the individual who is the “authorized email account holder” of the email address provided at registration.  “Authorized email account holder” is defined as the natural person assigned an email address by an Internet access provider, online service provider, or other organization (i.e., business, education institution) responsible for assigning email addresses for the domain associated with the submitted email address. Neither Sponsor nor any of its agents or affiliates will be liable for any disputes between collaborators related to a Contest registration, Round 1 Submission Form, Submission, or any other content submitted to Sponsor in connection with the Contest.  Sponsor is not responsible for late, lost, delayed, damaged, misdirected, incomplete, void, corrupted, garbled, illegible, and/or unintelligible entries, or for any problems, bugs or malfunctions Participants may encounter when submitting their entry.  Only complete valid entries will be accepted.  Sponsor will endeavour in good faith to provide Participants with an automated email notification once their entry has been successfully received by Sponsor but cannot guarantee that such email notification will occur.  Participants must provide all information requested to be eligible to win.  Sponsor reserves the right to disqualify false entries or entries suspected of being false.  Incomplete, unreadable, or unintelligible entries, as determined in the sole discretion of Sponsor, will be disqualified.  All entries, including all information submitted as part of the Round 1 Submission Form and as part of Round 2 Pitch Materials, become the sole property of Sponsor and will not be acknowledged or returned.

Round 2 Finalists must keep the announcement of advancing to Round 2 confidential until the Sponsor has made a public announcement on the Contest Site or Contest Platform Site.  Round 2 Finalists will be required to attend the Final Pitch Event.  If a potential Round 2 Finalist is unable or unwilling to attend the Final Pitch Event, the potential Round 2 Finalist may be disqualified from further participation in the Contest.

4. JUDGING CRITERIA

A. Round 1 Submissions: Each Round 1 Submission will be reviewed by Online Judge(s) selected by the Sponsor.  Online Judges may include corporation leaders and industry experts, including lawyers and entrepreneurs.  Online Judging will take place through the Contest Platform Site using the evaluation criteria listed in the table below.  Online Judging will start on Friday, July 31, 2020 at 9:00 AM EDT and end on Sunday, August 9, 2020 at 11:59 PM EDT.  In the case of a tie, the Participant among tied Participants whose Submission received the highest score in the "Degree of Product Differentiation / Novelty" category from the Online Judge(s) will be deemed to advance. Notwithstanding any other provision of these Official Rules, Sponsor reserves the right, in its sole discretion, to advance a different number of Participants (i.e., either more or fewer than five (5)) to Round 2 of the Contest.

Sponsor reserves the right to modify or alter the Category, Evaluation Criteria, and Weighting listed above. All decisions of the Sponsor and Online Judges are final and binding in all respects.

B. Round 2 Final Pitch:  Each Round 2 Final Pitch from a Round 2 Finalist will be judged by a panel of Final Pitch Judges.  Final Pitch Judges may include leaders from the insurance, finance, mobility, and technology industries who will evaluate the Finalists’ presentations using the evaluation criteria listed in the table below.  Presentations, judging, and scoring will take place at the Final Pitch Event on, or within five (5) business days of Monday, September 21, 2020. Up to three (3) potential “Female Founders in InsurTech 2020 Prize Winners” will be announced live at the Final Pitch Event from among the Round 2 Finalists.  Awarding of prizes is subject to verification of eligibility and compliance with these Official Rules by potential Female Founders in InsurTech 2020 Prize Winners and People’s Choice Winner.  In the case of a tie, the Participant among tied Participants whose Submission received the highest score in the "Partnerships" category from the Final Pitch Judges will be deemed the winner.

Sponsor reserves the right to modify or alter the Category, Evaluation Criteria, and Weighting listed above.  All decisions of Sponsor and Final Pitch Judges are final and binding in all respects.

5. PRIZES

Subject to the terms of these Official Rules, and once eligibility and compliance with these Official Rules has been confirmed by Sponsor, the following prizes will be awarded:

A. All Participants:

a. Up to $5,000 in AWS Credits (good for two (2) years), one (1) year of AWS Business support (up to $1,500), and 80 credits for self-paced labs.  Note: Startups that have already redeemed $5,000 or more in AWS Credits, previously, will not have access to AWS Credits offered through this competition.  Credits are not stackable, but startups applying through this competition can get “topped-up” to $5,000 in AWS Credits.

b. Opportunity to attend a Cyber Risk 101 workshop hosted by Broad Street Labs

c. Opportunity to attend a Go-to-Market Strategy workshop with GetPropulsion

d. Opportunity to participate in an Ellevest financial planning workshop

e. Opportunity to enroll in competition sponsor-led workshops, webinars, or office hours

f. Invitation to join Quesnay Connect, Quesnay’s exclusive online community for startups, corporate partners, investors, and experts

g. Invitation to attend the Final Pitch Event

B. Top 30 Participants:

a. Introduction to founder of Innovation Women to help access more speaking and visibility opportunities

b. Complimentary one (1) year access to the Innovation Women speaker placement platform

c. Opportunity to attend virtual communications workshop hosted by BraverMe

d. Opportunity to enroll in competition sponsor-led workshops, webinars, or office hours

e. Complimentary access to co-working space at Upward Hartford for one (1) person per company

C. Round 2 Finalists:

a. Introductions to potential business partners.  Sponsor will endeavour to coordinate the introductions and announcements with each Round 2 Finalist during and after the Final Pitch Event

b. Exclusive enrollment in the Chromium Branding Experience, a three-part structured evaluation, consultation, and refinement of brand strategies and materials

c. One-on-one consultation focused on custom sales target strategies with sales training and consulting firm, GetPropulsion

d. One-on-one consultation focused on enhanced communication and presentation best practices from BraverMe

e. Virtual Q&A session discussing best practices for raising capital on the East Coast, with venture capital firm, January Ventures

f. Virtual Q&A session discussing best practices for raising capital in Silicon Valley, with venture capital firm, Commerce Ventures

g. Virtual Office Hour with past Female Founders winner

h. Social media announcement through Sponsor’s channels

D. People’s Choice Winner:

a. TBD

E. Female Founders in InsurTech 2020 Third Place Winner:

a. $5,000.00 Third Place Winner Cash Prize (awarded as electronic transfer as described below)

b. Two (2) hours of one-on-one investment and strategy consultation with InsurTech Israel

c. Complimentary access to co-working space at Upward Hartford for up to three (3) people

d. Invitation to present at insurance industry event

e. Sponsor will work with the winner Third Place Winner post event to facilitate introductions to potential business partners

f. Sponsor will feature the Third Place Winner on Sponsor’s website and via Sponsor’s network to raise awareness of each winner’s work

F. Female Founders in InsurTech 2020 Second Place Winner:

a. $7,500.00 Second Place Winner Cash Prize (awarded as electronic transfer as described below)

b. Two (2) hours of one-on-one investment and strategy consultation with InsurTech Israel

c. Complimentary access to co-working space at Upward Hartford for up to three (3) people

d. Invitation to present at insurance industry event

e. Sponsor will work with the Second Place Winner post event to facilitate introductions to potential business partners

f. Sponsor will feature the Second Place Winner on Sponsor’s website and via Sponsor’s network to raise awareness of each winner’s work

G. Female Founders in InsurTech 2020 First Place Winner:

a. $12,500.00 First Place Winner Cash Prize (awarded as electronic transfer as described below)

b. Two (2) hours of one-on-one investment and strategy consultation with InsurTech Israel

c. Featured presentation at an InsurTech Israel pitch event (2020 or 2021)

d. Complimentary one (1) year access to the InsTech London innovation community

e. Complimentary access to co-working space at Upward Hartford for up to three (3) people

f. Invitation to present at insurance industry event

g. Opportunities for promotion and publicity via Sponsor media partners (i.e. articles, podcasts, LinkedIn Live with DigitalScouting.de, etc.)

h. Sponsor will work with the First Place Winner post event to facilitate introductions to potential business partners

i. Sponsor will feature the First Place Winner on Sponsor’s website and via Sponsor’s network to raise awareness of each winner’s work

H. Prize Conditions: Prize will be awarded in the name of the Participant (individual or Eligible Entity) as recorded in Sponsor’s records.  No substitution, assignment, transfer, or cash redemption of any prize is allowed by any Prize winner.  Sponsor reserves the right to substitute a prize with another prize of equal or greater value should the advertised prize become unavailable for any reason.  Prizes will be contingent on the Sponsor receiving appropriate forms from each Winner.  If a potential Winner is unable to participate in or accept the prize or any portion of the prize for any reason, Sponsor shall have no further obligation to such potential Winner.  Neither Sponsor nor any of its prize suppliers will replace any lost or stolen prizes, cards, or certificates after being awarded to Winners.  In no event will Sponsor be responsible for awarding more than the stated number of prizes.  Sponsor may, in its sole and utter discretion, choose to award additional prizes to winners.

I. Cash Prize Conditions: In addition to Section 5.G., the following conditions apply: 

Limit one (1) cash prize per Participant.  Prizes will be disbursed using an electronic transfer and will be contingent on the Sponsor receiving appropriate forms, including a release form and completed W9 or W8-BEN, from each Winner.  

TAXES: AWARDS OF PRIZES TO POTENTIAL WINNERS ARE SUBJECT TO THE EXPRESS REQUIREMENT THAT THEY SUBMIT TO SPONSOR ALL DOCUMENTATION REQUESTED BY SPONSOR TO PERMIT IT TO COMPLY WITH ALL APPLICABLE FEDERAL, STATE, PROVINCIAL, LOCAL, OR OTHER TAX REPORTING LAWS OR REGULATIONS IN THE UNITED STATES AND IN WINNERS’ RESPECTIVE JURISDICTION.  ALL PRIZES WILL BE NET OF ANY TAXES SPONSOR IS REQUIRED BY LAW TO WITHHOLD. TO THE EXTENT PERMITTED BY LAW, ALL TAXES IMPOSED ON PRIZES ARE THE SOLE RESPONSIBILITY OF THE WINNERS.

In order to receive a prize, potential Winners must submit tax documentation requested by Sponsor or otherwise required by applicable law, to Sponsor or a representative for Sponsor or the relevant tax authority, all as determined by applicable law.  The potential winners are responsible for ensuring they comply with all applicable tax laws and regulations and filing requirements, and other requirements relating to the awarding and receipt of a prize or cash in a contest or promotion.  If a potential Winner fails to provide such documentation or comply with such laws, the prize may be forfeited, and Sponsor may award the prize to the entrant with the next highest score.

J. Travel Reimbursement: Finalists are responsible for any and all costs and expenses associated with travel to and from the Round 2 Final Pitch Event.

K. Notification of Winner(s): Sponsor will endeavour in good faith to notify potential Prize winners in person at the Final Pitch Event.  The decisions of Sponsor and Final Pitch Judges will be final and binding in all matters.  Sponsor may also send potential winner(s) a declaration of eligibility / liability / publicity release ("Release").  Unless restricted by law, potential winners receiving such a Release may be required to complete and return it within the time period specified therein.  The prize may be forfeited and, in such case, an alternate potential winner may in Sponsor's discretion be selected from among the remaining Finalists (using the criteria described above), if a potential winner: (a) cannot be reached; (b) fails to obtain all signatures on the Release and to return the documents in a timely manner as required pursuant to these Official Rules; or, (c) cannot accept or receive the prize for any reason.  Prizes will be sent to winners as quickly as practicable following notification (and receipt of any Release and related documentation, if applicable).

7. CONTENT AND LICENSE TERMS

A. Originality: By participating in this Contest, each Participant warrants and represents that all of the content submitted by Participant to the Contest (including without limitation all Round 1 Submission content and Round 2 Pitch Material content):

a. is original and has been legally created, and that Participant owns or has properly licensed all rights to the content therein, including, without limitation, relevant copyrights;

b. does not infringe the intellectual property, privacy or publicity rights or any other legal or moral rights of any third party; and,

c. complies in all respects with the requirements set out in these Official Rules.

B. Third Party Rights: All content submitted by Participants into any round or phase of the Contest must not depict recognizable third-party marks, copyrights, brands, or other property, unless Participant has obtained all proper licenses and/or releases.  Any video content submitted to the Contest must not contain any elements that would infringe upon any third party's rights (intellectual property or otherwise) and must not include any commercial content that disparages Sponsor, its affiliates, partners, customers, competitors or any third party in any way.  Sponsor’s determination as to whether any content submitted to the Contest by any Participant potentially violates the rights of any third party is final.  The Contest Submission and the entrant’s participation must not violate any local, state, provincial, national, or foreign law, including any right of publicity, right of privacy or any other proprietary right.

C. Permissions and Releases: Participant acknowledges and agrees that it is responsible for obtaining any and all documents, policies, and authorizations necessary to create its Round 1 and Round 2 content and submit such content to Sponsor in connection with this Contest, including but not limited to publicity releases, permits, and venue permissions, as may be necessary; and Participant represents and warrants that it has done so and can make written copies of such permissions available to Sponsor upon request.  For all video attachments, Participant specifically represents and warrants that it has obtained permission from each person whose name, image, likeness and/or voice ("Likeness") is included in the Video Link, and that such person(s) has/have granted Participant all necessary rights to use the person’s Likeness as described in these Rules, and that Participant can make written copies of such permissions available to Sponsor upon request.  If the Likeness of a minor is included, such grant of rights must include written permission from the minor’s parent or legal guardian authorizing the use of the minor’s likeness on behalf of the minor.  The Video Link must be produced using non-union talent or talent that has not been and is not currently under any union or guild agreement that results in any ongoing obligations resulting from the use, exhibition or other exploitation of the Video Link.  Participant represents and warrants that it has obtained written permission when filming any part of the Video Link on private property not owned or controlled by Participant, where such permission is required.

D. Additional Content Limitations: Content submitted to the Contest may not contain:

a. Material that is unlawful, in violation of, or contrary to the laws or regulations in the United States and/or any jurisdiction where the product or solution is created or planned for distribution;

b. Nudity, lewd, or vulgar behaviour;

c. Material that is hateful, tortious, defamatory, slanderous or libellous, deemed non-family-friendly, inappropriate, or obscene;

d. Material that promotes bigotry, racism, hatred, or harm against any group or individual or promotes discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age;

e. Any material including malware, spyware, viruses, worms, malicious code, and any and all other code, instructions or components that are deceptive, malicious, harmful or designed to interfere with, breach, harm, or limit the functionality or security of any product, service, network, or other system or technology of Sponsor or any other party; or,

f. Material that disparages Sponsor or any other person or entity relating to the Contest, or any third party.

Failure of any content submitted to the Contest to comply with the above restrictions, as determined by Sponsor in its sole discretion, shall result in disqualification.

E. Grant of License: As between Participant and Sponsor, Participant shall retain ownership in and to any content Participant submits to the Contest (“Participant Content”), including all intellectual property rights related thereto.  By entering this Contest, Participant hereby grants Sponsor, its affiliates, subsidiaries, parents, and agents, an irrevocable, worldwide, sub-licensable, transferable, royalty-free, and non-exclusive license to Participant Content and all intellectual property rights related thereto to use, copy, publish, modify, distribute, create derivative works of, execute, and publicly display Participant Content (including all ideas, expressions, and other materials) in whole or in part, without prior review, payment, compensation, or additional consent by Participant, as part of the Contest (including but not limited to the administration of the Contest, for the evaluation of the Contest Submission, and in advertising and publicity related to the Contest) and in advertising and publicity related to Sponsor’s business.  In granting this license, Participant understands and agrees that Sponsor is under no obligation to exercise any of its rights, licenses, and privileges herein granted.  Participants hereby agree to do such other things and execute such other documents as may be reasonably requested in order to allow the Sponsor to make such use of, and exercise such rights over, their Participant Content.  By submitting Participant Content, Participant acknowledges and agrees that Sponsor and its designees (a) are continually and independently of the Contest and Participant’s Participant Content working on creating, developing, improving upon, and expanding Sponsor's product and service offerings, including supporting technology, networks, software, and systems, and may already be developing or may develop in the future products, services, technology, networks, software, and systems that are similar or identical to the Participant Content, and (b) may receive content from other Participants that may be similar or identical to the Participant Content Participant submits.  By entering this Contest, Participant hereby releases Sponsor for use of Participant’s intellectual property rights related to the Participant Content, and hereby agrees not to sue Sponsor, its employees, directors, affiliates, subsidiaries, parents, agents, or successors and assigns for any actual or alleged infringement or misappropriation by any Sponsor product, service, technology, network, software, or system of Participant’s intellectual property rights related to the Participant Content.  Furthermore, Participant hereby waives any and all claims Participant may have had, may currently have, and/or may have in the future related to Sponsor's review, acceptance, and/or use of the Participant Content Submission, and agrees that Sponsor is under no obligation to review, use, or in any way process Participant’s Participant Content, regardless of the status indicated on the Contest Website.  Participant agrees that nothing in these Official Rules grants Participant a right or license to use any name, trademarks, or service marks owned by Sponsor or any of its affiliates.  Participant grants to Sponsor the right to include Participant’s entity name (if Participant Content is from an Eligible Entity) as a Participant on the Contest Website and in materials related to Sponsor's promotion of the Contest and of Sponsor.  Other than these uses, Participant does not grant Sponsor any rights to Participant's trademarks.  Participant is free to discuss Participant's Participant Content and the ideas or technologies it contains with other parties, and Participant is free to contract with any third parties as long as Participant has not yet signed an agreement with Sponsor regarding Participant's Participant Content.  For the purpose of clarity, Participant acknowledges that the intent of the Contest is to encourage people to suggest their ideas and innovations to Sponsor.

F. Failure to Comply: Failure of any Submission or other content submitted to the Contest to comply with the above restrictions or these Official Rules, as determined by Sponsor in its sole discretion, shall result in disqualification.  Sponsor accepts no responsibility for any content submitted to the Contest that may be lost, delayed, damaged, defaced, or mislaid, for causes which are beyond its reasonable control. Once a Contest Submission is submitted, Participant may not be permitted to make any alterations to it.

8. GENERAL CONDITIONS 

A. The Contest shall be construed only according to US law, and these Official Rules.

B. Participant grants permission to Sponsor and its authorized representatives to use his/her/its name, address (city and state/province/territory/country), photograph, voice, and/or other likeness for advertising, trade, and promotional purposes without further compensation, in all media now known or hereafter discovered, worldwide, and on the Internet and world wide web, in perpetuity, without notice, consideration, review or approval.

C. Participant grants permission to Sponsor and its authorized representatives to distribute and communicate updates, offers, and other information associated with the Quesnay Female Founders in InsurTech 2020 Innovation Competition via email.  See Section 10 (Privacy), or visit www.Quesnays.com/PrivacyPolicy for more information regarding information collection, use, and disclosure to third parties

D. Following the Contest Period, Sponsor shall not be required to retain records of any entries.

E. By participating, Participant hereby: (a) agrees bound by these Official Rules, and the decisions of Sponsor, which shall be final and binding; and, (b) waives any right to claim ambiguity in the Contest or these Official Rules, except where prohibited by law.

F. If any prize involves travel, all potential winners are responsible for obtaining all necessary travel documents, including valid passports, visas, and travel insurance, and complying with all health or other government regulations.

G. Participant acknowledges and agrees that Sponsor has neither made, nor is in any manner responsible or liable for, any warranty, representation or guarantee, expressed or implied, in fact or in law, relative to any prize or the Contest. All warranties are hereby disclaimed; and each potential winner will accept the Prize "AS IS."  All costs and expenses, including support services, not specifically listed above as part of the prize, are solely the winner’s responsibility.

H. Subject to applicable law, Sponsor reserves the right in its discretion, to (a) cancel, terminate, modify, or suspend this Contest and these Official Rules, for any reason, at any time and without any liability, and (b) limit or restrict participation in the Contest, upon notice.  If Sponsor decides to cancel or modify this Contest in accordance with these Official Rules, it will make reasonable efforts to provide a notice of such cancellation or modification on the Contest website at www.Quesnays.com/FFInsurTech2020.

I. All Participants are solely responsible for compliance with any applicable laws, rules and regulations, contractual limitations, and/or office or company policies, if any, regarding Participant’s participation in trade promotions or acceptance of promotional prizes; and by entering this Contest, Participant confirms that he or she is not in violation of any of the foregoing and has obtained the consent of his or her employer to participate, if applicable.  If a Participant is not permitted to accept any received prize, then the Participant may return such prize to Sponsor; and Sponsor will refund the cost of shipment, as appropriate.

J. Use of any automated entry device or software is prohibited.  Creation or use of multiple accounts for registration or participation in the Contest is prohibited.  To the extent the Contest uses or requires functionality of any third-party website (e.g., social media sites or platforms that enable broad communications, collaboration, and/or posting of videos), you understand that the Contest is not sponsored by such third parties, and further agree to follow the policies on such website(s), as applicable.  Sponsor reserves the right to disqualify any Participant it finds to be tampering with the entry process or the operation of the Contest or violating these Official Rules, or otherwise acts in an uncooperative, unsportsmanlike, disruptive, abusive, or threatening manner; and Sponsor reserves the right to cancel the Contest should it suspect fraud or for reasons out of the control of Sponsor.  CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS AND WILL RESULT IN DISQUALIFICATION FROM PARTICIPATION IN THE CONTEST.  SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEY FEES) TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.

K. Sponsor is not responsible for: (a) lost, late, misdirected, undeliverable, incomplete, or indecipherable entries due to system errors or failures, or faulty transmissions or other telecommunications malfunctions and/or entries; (b) technical failures of any kind; (c) failures of any of the equipment or programming associated with or utilized in the Contest; (d) unauthorized human and/or mechanical intervention in any part of the submission process or the Contest administration; (e) technical or human error which may occur in the administration of the Contest or the processing of entries; or, (f) other factors beyond Sponsor’s reasonable control.  Sponsor is not responsible for injury from or damage to any Participant’s or any other person’s computer related to or resulting from participating in the Contest or downloading materials from or use of the Contest Site or Contest Platform Site.

L. If for any reason the Contest is not capable of running as planned by Sponsor, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes which, in Sponsor’s sole determination, corrupts or affects the administration, security, fairness, integrity, or proper conduct of this Contest, Sponsor reserves the right at its sole discretion to cancel, terminate, modify, or suspend the Contest. If Contest is cancelled prior to the end of the Contest Period, for the reasons stated above, notice will be posted on the Contest website and some or all of the prizes may, in Sponsor’s sole discretion, be awarded to potential winners to be selected (using the judging criteria described above) from among all the remaining uncorrupted entries received up until the time of modification or cancellation.

M. Sponsor shall not be liable to any Participant or other person for failure to supply any prize or any part thereof, by reason of the prize becoming, for reasons beyond the reasonable control of Sponsor, unavailable or impracticable to award, or for any force majeure event, technical or equipment failure, terrorist acts, labor dispute, or act/omission of any kind (whether legal or illegal), transportation interruption, civil disturbance, or any other cause similar or dissimilar beyond Sponsor’s control.

N. This Contest is governed by the internal laws of the State of Massachusetts without regard to principles of conflict of laws.  All cases and claims pertaining to this Contest must be brought in a court of competent jurisdiction in the State of Massachusetts.

9. LIMITATION OF LIABILITY AND RELEASE

PARTICIPANT AGREES THAT SPONSOR, ITS AFFILIATES, DIVISIONS, SUBSIDIARIES, RESELLERS, DEALERS, DISTRIBUTORS, BUSINESS PARTNERS, ADVERTISING/PROMOTION AGENCIES, AND ALL OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, REPRESENTATIVES, AND AGENTS (“RELEASED PARTIES”) WILL HAVE NO LIABILITY WHATSOEVER FOR, AND WILL BE RELEASED AND HELD HARMLESS BY PARTICIPANT FOR ANY CLAIMS, LIABILITIES, OR CAUSES OF ACTION OF ANY KIND OR NATURE FOR ANY INJURY, LOSS OR DAMAGES OF ANY KIND INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES TO PERSONS, INCLUDING WITHOUT LIMITATION DISABILITY OR DEATH.  WITHOUT LIMITING THE FOREGOING, EVERYTHING ON THE CONTEST SITE OR CONTEST PLATFORM SITE AND IN CONNECTION WITH THE CONTEST IS 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, AND NON-INFRINGEMENT.  SOME JURISDICTIONS MAY NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXCLUSION OF IMPLIED WARRANTIES, IN WHICH CASE SUCH LIMITATION OR EXCLUSION SHALL APPLY ONLY TO THE EXTENT PERMITTED BY THE LAW IN THE RELEVANT JURISDICTION.

10. PRIVACY

All personal information collected by Sponsor will be used for the administration of the Contest and in accordance with Sponsor's privacy policy.  Any questions regarding privacy matters should be directed to the address set out below.  Please refer to Sponsor's privacy policy located at www.Quesnays.com/PrivacyPolicy for important information regarding the collection, use, and disclosure of personal information by Sponsor.

11. OFFICIAL RULES AND WINNERS' LIST

For a copy of these Official Rules or the names of winners, please visit the Contest Website.  Winners’ list will be made available on the Contest Site approximately ten (10) days after the Contest Period, and will be available for a period of at least sixty (60) days.