Eligibility to enter or win the Contest is not tied to the purchase or solicitation of any insurance products or the purchase or solicitation of any products sold by the Sponsor.
No information regarding Entries, other than as otherwise set forth in these Official Rules, will be disclosed. Entries must be received during the Contest Period. Limit one (1) Entry per Entrant/Authorized Representative/email address during the Contest Period. Any attempt by any Entrant to obtain more than the stated number of Entries by using multiple/different email addresses, identities, registrations and logins, or any other methods will void such Entries and that Entrant may be disqualified. Use of any AI or automated or computer system to participate is prohibited and will result in disqualification. Normal Internet access and usage charges imposed by your online service may apply. Standard phone/data and usage rates may apply if entering via mobile device.
By submitting an Entry, Entrant/Authorized Representative agrees that the Entry conforms to the Entry Guidelines and Content Restrictions as defined below (collectively, the “Guidelines and Restrictions”) and that the Sponsor may disqualify them from the Contest if it believes, in its sole discretion, that Entrant’s Entry fails to conform to the Guidelines and Restrictions.
Winning Organization’s social media accounts must also be aligned with Sponsor’s image and not deemed offensive, in their sole discretion or Winning Organization may be disqualified.
GENERAL CONDITIONS: Each Entrant and Authorized Representative hereby agrees to indemnify and hold the Contest Entities harmless from and against any and all third-party claims, actions or proceedings of any kind and from any and all damages, liabilities, costs and expenses relating to or arising out of any breach or alleged breach of any of the warranties, representations or agreements of Entrant or Authorized Representative, as applicable, under these Official Rules. Sponsor reserves the right to cancel or modify the Contest for any reason, including (but not limited to) if, for any reason, the Contest is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of the Sponsor which corrupt or affect the administration, security, fairness, integrity or proper conduct of the Contest. If such cancelation occurs, Sponsor reserves the right to determine the Finalists from among all eligible Entries submitted prior to cancellation, based on the Judging Criteria listed above.
LIMITATIONS OF LIABILITY: Contest Entities are not responsible for: (1) any incorrect or inaccurate information, whether caused by Entrant/Authorized Representative, printing, typographical or other errors or by any of the equipment or programming associated with or utilized in the Contest; (2) for technical, hardware, software or telephone malfunctions of any kind, lost or unavailable network connections, or failed, incorrect, incomplete, inaccurate, garbled or delayed electronic communications caused by the user or by any of the equipment or programming associated with or utilized in the Contest or by any human error which may occur in the processing of the Entries in the Contest or for any liability for damage to any computer system resulting from participation in, accessing or downloading information in connection with the Contest; (3) unauthorized human intervention in any part of the Entry process or the Contest; (4) printing, typographical, technical, computer, network or human error which may occur in the administration of the Contest, the uploading, the processing or judging of Entries, the announcement of the prize or in any Contest-related materials; (5) late, lost, undeliverable, damaged or stolen mail; or (6) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from Entrant’s/Authorized Representative’s participation in the Contest, Interview or Event or receipt or use or misuse of prize (including any activity related thereto). Contest Entities are not responsible for misdirected or undeliverable Entries or for any technical problems, malfunctions of computer systems, servers, providers, hardware/software, lost or unavailable network connections or failed, incomplete, garbled or delayed computer transmission or any combination thereof. Contest Entities are not responsible for any unauthorized third-party use of any Entry. If there are any discrepancies between printed or other promotional materials and the Official Rules, these Official rules will govern and control. The Sponsor reserves the right at its sole discretion to disqualify any individual that tampers or attempts to tamper with the Entry process or the operation of the Contest or Website; violates the Official Rules; or acts in an unsportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person. Any attempt by any person to deliberately undermine the legitimate operation of the Contest may be a violation of criminal and civil law, and, should such an attempt be made, Sponsor reserves the right to 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. By entering, Entrants and Authorized Representatives agree to the possibility of being contacted by Sponsor at a later date (unrelated to Contest) and may be asked to participate in future publicity events, in their sole discretion.
JURISDICTION: The Contest shall be governed by and interpreted in accordance with the laws of the State of New York applicable to promotions fully carried out within New York. Except where prohibited by law, any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Contest but in no event attorneys' and/or experts’ fees; and Winner hereby waives all rights to claim punitive, incidental and consequential damages and any other damages (including attorneys’ fees), other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. The Winner acknowledges that no other party nor any agent or attorney of any other party has made any promise, representation or warranty whatsoever, express or implied, not contained herein concerning the subject matter hereof, to induce the winner to execute any document and Winner acknowledges that they have not executed any document in reliance on any such promise, representation or warranty not contained herein. Any waiver by the Sponsor and its affiliates of any term of any document in a particular instance shall not be a waiver of such term for the future. Winner agrees that the invalidity or enforceability of any part of any document shall in no way affect the validity or enforceability of any of the remainder of that document.
Dispute Resolution and No Class Relief: Any claim, cause of action or proceeding arising out of or relating to any Contest shall be resolved by mandatory, binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association (“AAA”) as supplemented by AAA’s Supplementary Procedures for Consumer-Related Disputes. The Federal Arbitration Act, and not any state law concerning arbitration, shall apply. The arbitration award shall be final and exclusive, and the prevailing party in the arbitration may file an action in court to confirm and to enforce the arbitration award. Winners/Entrants irrevocably waive any rights to seek and/or obtain injunctive or other equitable relief. Should either party pursue any other judicial or administrative action with respect to any matter included within the scope of this binding arbitration provision, the responding party will be may seek recovery of costs, expenses and attorneys’ fees incurred as a result of such action. Further, any and all disputes, claims and causes of action arising out of or connected with a Contest, or prize awarded, will be resolved individually, without resort to any form of class action. If a court determines that a public injunctive relief claim may proceed notwithstanding the “No Class Actions” provision, and that determination is not reversed on appeal, then the public injunctive relief claim will be decided by a court, and any individual claims will be arbitrated. The parties will ask the court to stay the public injunctive relief claim until the other claims have been finally concluded.
PRIVACY POLICY: The personal information collected through this Contest is subject to the Sponsor’s Privacy Policy, located at https://www.metlife.com/about-us/privacy-policy/online-privacy-policy/https://www.metlife.com/about-us/privacy-policy/. By entering this Contest, Entrants/Authorized Representatives agree to the use of their personal information as described in the above Privacy Policy.
WINNING ORGANIZATION: For the name of the winning Organization, available after August 29, 2025, send an email to: Winners@dja.com with “2025 Golden Beagle Award Essay Contest Winner 20-2786-03” as the subject line. Winning Organization’s name will be distributed once prize is awarded.
SPONSOR/ADMINISTRATOR: The Sponsor of the Contest is MetLife Pet Insurance Solutions LLC, 400 Missouri Avenue, #105, Jeffersonville, IN 47130. The Administrator of the Contest is Don Jagoda Associates, Inc., 100 Marcus Dr., Melville, NY 11747.