Official Rules for the Direct Auto Insurance

2023 Direct Auto Insurance’s $15K Free Gas Giveaway

(The “Sweepstakes”)

NO PURCHASE OR CONSIDERATION REQUIRED. A PURCHASE OR CONSIDERATION OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING. ALL DISPUTES WILL BE RESOLVED SOLELY BY BINDING ARBITRATION AND ENTRANTS WAIVE THE ABILITY TO BRING CLAIMS IN A CLASS ACTION FORMAT. VOID WHERE PROHIBITED BY LAW .

Eligibility:  The Sweepstakes is open only to individuals who are at least eighteen (18) years of age and legal residents of and physically located in the state(s) of AL, AR, DE, FL, GA, KY, LA, MI, MO, MS, NC, OH, OK, OR, PA, SC, TN, TX, VA and WA at the time of entry. Void where prohibited by law. Employees, officers and directors of Direct Auto Insurance (“Sponsor”) Circle K Stores Inc., and any of its respective parents, affiliates, subsidiaries, advertising and promotion agencies, and any other company or individual involved with the design, production execution or distribution of the Sweepstakes, and their immediate family members (i.e., spouse, parents and step-parents, siblings and step-siblings, and children and step-children and their respective spouses, regardless of where they reside) and household members (i.e., people who share the same residence at least three (3) months out of the year, whether or not related) of each such individual are not eligible. Participation constitutes entrant’s full and unconditional agreement to these “Official Rules”, as well as Sponsor’s decisions and/or interpretations under these Official Rules, which are final and binding in all matters related to the Sweepstakes. Winning a prize is contingent upon fulfilling all requirements set forth herein.

Sweepstakes Entry Period: Sweepstakes begins on May 1, 2023 at 8:00 AM Central Time and ends on June 10, 2023 at 7:00 PM Central Time (the “Entry Period”). Sponsor is the official timekeeper for this Sweepstakes.

How to Enter: There are three ways to enter:

1. If you are a current policyholder visit or call a participating Direct Auto Insurance store and refer one person to us by providing your first and last name and the referred person’s first and last name, zip code, working phone number and valid email address.
2. If you are a new customer (including a customer who was referred by a current policyholder) visit or call a participating Direct Auto Insurance store and get a free-no obligation quote.
3. Visit a participating Direct Auto Insurance store and legibly complete the Sweepstakes entry form by providing your name, address, working phone number, and valid e-mail address.

Entry Verification: An entry form may be required for methods a. and b. There is a limit of one (1) entry per person regardless of method. Subsequent attempts made by the same individual to submit multiple entries by using multiple or false contact information, accounts or otherwise will result in the entrant being disqualified. Use of any automated system to participate is prohibited and will result in disqualification and all associated entries will be void. Released Parties (as defined below) are not responsible for lost, late, incomplete, invalid, unintelligible, undelivered or misdirected entries, which will be disqualified. All entries become the sole and exclusive property of Sponsor and will not be acknowledged or returned. Entries submitted by entrants who do not meet the eligibility requirements (including all requirements with respect to age and residence) are void. In the event a dispute regarding the identity of the individual who submitted an entry cannot be resolved to Sponsor ’ s satisfaction, the affected entry will be deemed ineligible. Those who do not follow all the instructions, provide the required information in their entry form, or abide by these Official Rules or other instructions of Sponsor may be disqualified. Opt-out opportunities are available. Opting-out will not prohibit entry into the Sweepstakes. Opting-in to receive future marketing materials from Sponsor or any third parties will not improve your chances of winning.

Drawing: Once the Entry Period ends, Sponsor will collect and validate the entries received in each of the 15 territories (each a “Territory”) set forth below.

Participating Territories

1. Alabama
2. Arkansas, Missouri & Oklahoma-East
3. Delaware & Pennsylvania
4. Florida
5. Georgia
6. Louisiana
7. Mississippi
8. Michigan
9. North Carolina
10. Ohio & Kentucky-North
11. South Carolina
12. Tennessee & Kentucky- South
13. Texas & Oklahoma - West and South
14. Virginia
15. Washington & Oregon

Entries from one Territory will not be combined with entries from any other Territory. On or about June 19, 2023 , Sponsor will then conduct 15 random drawings, one for each Territory, selecting one (1) potential winning entry from the valid entries received in such Territory, for a total of 15 potential winners.  The odds of being selected one of the Territory winners depends on the number of eligible entries received in each Territory. 

Winner Validation Process: THE POTENTIAL WINNERS ARE SUBJECT TO VERIFICATION BY SPONSOR WHOSE DECISIONS ARE FINAL AND BINDING IN ALL MATTERS RELATED TO THE SWEEPSTAKES. Sponsor will attempt to contact each Potential Winner by phone, e-mail or in person within 48-hours of the drawing. Each Potential Winner must respond to/acknowledge Sponsor’s initial notification within 24-hours. Subject to state law, each Potential Winner may be required to sign and return to Sponsor, within 24-hours of the date notice is sent, an affidavit of eligibility, and liability/publicity release (collectively, “ Affidavit ”) to claim his/her prize. Failure to respond to the initial verification within 24-hours of notification, or to return all required documentation within the stated time period (if applicable), or the return of any prize or prize notification as undeliverable, or the potential winner ’ s noncompliance with these Official Rules may result in disqualification and, at Sponsor ’ s discretion, selection of an alternate potential winner in a random drawing of all remaining eligible entries received even if the disqualified potential winner’s name may have been publicly announced . The Released Parties (as defined below) are not responsible for electronic communications that are undeliverable due to any form of active or passive filtering of any kind, or insufficient space in entrant ’ s email account to receive email messages. The potential winner must agree to how, where and when Sponsor instructs him or her to redeem the prize to avoid forfeiture . Potential winners must continue to comply with all terms and conditions of these Official Rules and winning is contingent upon fulfilling all requirements.

Prizes: Each verified winner will receive a $ 1,000 Circle K ^® Gift Card . The approximate retail value of each prize is: one-thousand dollars ($1,000.00).  The approximate retail value for all prizes is fifteen thousand dollars ($15,000.00) . Individual prizes may be in the form of a single gift card or combination of gift cards that total $1000. The winner is responsible for paying any applicable income taxes and all other costs and expenses not listed above. Any prize details not specified above will be determined by Sponsor, in its sole discretion. A prize may not be transferred and must be accepted as awarded. A winner may not request cash or a substitute prize; however, Sponsor reserves the right to substitute a prize with another prize (including alternative E-gift card(s)) of equal or comparable value if the prize is not available for any reason.

Privacy and Publicity: Any information you provide when you enter the Sweepstakes will be used as noted on the entry form and in accordance with Sponsor’s Privacy Policy . Except where prohibited, participation in the Sweepstakes constitutes your consent to Sponsor’s use of your name, likeness, voice, opinions, biographical information, and state of residence for any lawful purpose (including but not limited to administration of the sweepstakes, advertising and promotion), in perpetuity, in any media now known or hereafter developed, worldwide and on the Internet and World Wide Web, without further notice, permission or compensation, except where prohibited by law.

General Conditions: In the event that the operation, security, or administration of the Sweepstakes is impaired in any way or if, in Sponsor’s opinion there is any suspected tampering with any portion of the Sweepstakes, Sponsor may, in its sole discretion, either: (a) suspend the Sweepstakes to address the impairment and then resume the Sweepstakes; or (b) award the prizes at random from among the eligible entries received up to the time of the impairment; or (c) terminate the Sweepstakes. Sponsor reserves the right, in its sole discretion, to disqualify and seek damages from any individual who tampers with the operation of the Sweepstakes, violates these Official Rules, or acts in a disruptive or unsportsmanlike manner. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. Proof of sending any communication to Sponsor by mail shall not be deemed proof of receipt of that communication. The Sweepstakes is subject to federal, state, and local laws and regulations and is void where prohibited . Any attempt by any person to deliberately 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 seek damages (including attorneys’ fees) and other remedies 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.

Release and Limitations of Liability: By participating in the Sweepstakes, each entrant agrees for entrant and for entrant's heirs, executors, and administrators to release and indemnify and hold Sponsor, Circle K Stores Inc. and each of their respective parents, subsidiaries, affiliates, and each of their respective officers, directors, employees, and agents, (the “Released Parties”) harmless from any and all losses, damages, rights, claims, and actions of any kind in connection with the Sweepstakes. By participating in this Sweepstakes, each entrant agrees to waive any right to claim any ambiguity or error herein or in the Sweepstakes itself, and to be bound by all actions of the Sponsor and/or Sponsor's representative, whose decisions are binding and final on all matters related to this Sweepstakes. By accepting any prize, each winner agrees for himself/herself and for their heirs, executors and administrators to release and indemnify and hold the Sweepstakes Entities and their respective officers, directors, employees and representatives harmless from any and all liability for any loss, harm, damages, costs or expenses, including without limitation property damages, personal injury and/or death, arising out of participating in this Sweepstakes, or the acceptance, possession, use or misuse of any prize, or while preparing for, participating in and/or traveling to or from any prize related activity and claims based on rights of publicity, rights of privacy, defamation or prize delivery.

Sponsor and Circle K Stores Inc. assumes no responsibility or liability for (a) any typographical or printer’s errors, incorrect or inaccurate registration or entry information, or for any faulty, failed, garbled or jumbled electronic data transmissions; (b) any unauthorized access to, or theft, destruction or alteration of entries at any point in the operation of this Sweepstakes; (c) any technical malfunction, failure, error, omission, interruption, deletion, defect, delay in operation or communications line failure, regardless of cause, with regard to any equipment, systems, networks, lines, satellites, servers, computers or providers utilized in any aspect of the operation of the Sweepstakes; (d) inaccessibility or unavailability of the internet; or (e) any injury or damage to participant’s or to any other person’s computer or cell phone which may be related to or result from any attempt to participate in the Sweepstakes. Sponsor has not made and/or is not responsible for, and hereby disclaims, any representation, warranty or guaranty, express or implied, in fact or in law, relative to the prizes. In no event will more than the number of prizes stated in these Official Rules be awarded . Without in any way limiting the foregoing, Releasees make no representation, warranty or guarantee of any kind regarding the prize.

DISPUTES & WAIVER: BY PARTICIPATING IN THIS SWEEPSTAKES, ENTRANTS AGREE, TO THE FULLEST EXTENT PERMITTED BY LAW, THAT (1) ANY AND ALL DISPUTES, CLAIMS, AND CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THE SWEEPSTAKES, OR ANY PRIZES OR OFFERS AWARDED, SHALL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION; (2) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS SHALL BE LIMITED TO ACTUAL OUT-OF-POCKET COSTS INCURRED, INCLUDING COSTS ASSOCIATED WITH ENTERING THE SWEEPSTAKES (IF ANY) NOT TO EXCEED TEN DOLLARS ($10.00), BUT IN NO EVENT WILL ATTORNEY’S FEES BE AWARDED OR RECOVERABLE; (3) UNDER NO CIRCUMSTANCES WILL ANY ENTRANT BE PERMITTED TO OBTAIN ANY AWARD FOR, AND ENTRANT HEREBY KNOWINGLY AND EXPRESSLY WAIVES ALL RIGHTS TO SEEK PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES AND/OR ANY OTHER DAMAGES (OTHER THAN ACTUAL OUT-OF-POCKET EXPENSES) AND/OR ANY AND ALL RIGHTS TO HAVE DAMAGES MULTIPLIED OR OTHERWISE INCREASED; AND (4) ENTRANT’S REMEDIES ARE LIMITED TO A CLAIM FOR MONEY DAMAGES (IF ANY) AND ENTRANT IRREVOCABLY WAIVES ANY RIGHT TO SEEK INJUNCTIVE OR EQUITABLE RELIEF. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OR EXCLUSION OF LIABILITY, SO THE FOREGOING MAY NOT APPLY TO EVERY ENTRANT.

ALL ISSUES AND QUESTIONS CONCERNING THE CONSTRUCTION, VALIDITY, INTERPRETATION AND ENFORCEABILITY OF THE OFFICIAL RULES, OR THE RIGHTS AND OBLIGATIONS OF ENTRANT AND SPONSOR IN CONNECTION WITH THE SWEEPSTAKES, SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NORT CAROLINA WITHOUT GIVING EFFECT TO THE CONFLICT OF LAWS RULES THEREOF, AND ANY MATTERS OR PROCEEDINGS SHALL TAKE PLACE IN THE STATE OF NORTH CAROLINA, IN THE COUNTY OF FORSYTH.

Sponsor: Direct Auto Insurance, 5630 University Parkway, Winston Salem, NC 27105, is the sole sponsor of this promotion. All questions, comments or complaints regarding the Sweepstakes must be directed only to Sponsor . Reference to any third parties in connection with prizes and/or third-party websites or services are for reference and identification purposes only and not intended to suggest endorsement, sponsorship or affiliation with Sponsor or the Sweepstakes.

Sweepstakes Results: For Sweepstakes results send a written request for the W inners List in a printed, self-addressed, stamped envelope to:  Direct Auto Insurance Attn: Marketing Sweepstakes Sponsor, 5630 University Parkway, Winston Salem, NC 27105. You must include the name of the Sweepstakes on your request.  Requests for the winner list must be received within 30 days of the drawing date .