Please read these competition rules carefully. By participating in any of the competitions operated by Thomas Smith Insurance Agency Ltd., you are agreeing to these Terms and Conditions without modification.

1. To participate in this competition, you must: [a] Like the Thomas Smith Insurance Agency Ltd. Facebook page, [b] Provide the correct answer.
2. The winner will be selected randomly from all correct entries. 
3. The Prize may vary according to the various competitions announced from time to time on Thomas Smith Insurance Agency Ltd. Facebook page.
4. The prize must be accepted as awarded.
5. In the event that the prize is a ticket to an event, no responsibility is assumed by Thomas Smith Insurance Agency for any cancelled, rescheduled, delayed or postponed event in whole or in part.
6. The winner will be announced as stated in the announcement of the competition. The winner will be contacted thereafter, for the prize presentation.
7. A valid Maltese I.D. Card must be presented to be eligible to claim the prize.
8. The Competition is only open to participants of 18 years of age and over.
9. The winner will be contacted by a Thomas Smith Insurance Agency Limited representative via Facebook messenger to provide contact details, and consequently will be advised date and time the prize will be rewarded. If we cannot contact you or you do not respond within two (2) days, we reserve the right to offer the prize to another participant.
10. The promotion is in no way sponsored, endorsed, or administered by, or associated with Facebook. Information is being provided to Thomas Smith Insurance Agency Ltd.
11. By participating in the competition, participants give their explicit consent to Thomas Smith Insurance Agency Ltd to process their personal details in accordance with the Data Protection Act (Cap. 440 of the Laws of Malta), and consent to the use of this personal information for publicity use, without any further compensation, as well as to allow Thomas Smith Insurance Agency Ltd to contact or send future information and promotional messages. The Personal Data Protection Policy may be accessed through our weblink: https://www.tcsmith.com/about-us/data-protection-policy/
12. Thomas Smith Group employees, spouses/partners and children living in the same household as well as Thomas Smith Insurance Agency Ltd Tied Insurance Intermediaries, their spouses/partners and children living in the same household are NOT eligible to participate in this competition.
13. At any time, Thomas Smith Insurance Agency Ltd reserve the right to stop, suspend, amend or otherwise alter the Competition, and consequently these Rules and Regulations, as they may deem fit in their sole and absolute discretion, without notice and any liability in Participants’ regard, but in accordance with applicable law.
14. Thomas Smith Insurance Agency Ltd. reserve the right in its sole and absolute discretion, to change the format and manner in which the Competition is conducted, as well as the prizes on offer without notice or liability to Participants.
15. The Competition may be cancelled at any time for any reason that Thomas Smith Insurance Agency Ltd. may deem fit in its sole and absolute discretion.
16. Thomas Smith Insurance Agency Ltd. is not liable for any damages suffered by the participant due to the non observance of these Rules and Regulations.
17. Participants shall not be entitled to receive any prizes won by them if they are prohibited Participants. If the winner is not eligible, then a second finalist will be drawn.
18. The winner may be required to participate in any planned publicity in connection with this competition and by entering the promotion, the prize winner consents to the use of his/her name, likeness, image, photograph for any and all programming and/or publicity promotion or advertising purposes, commercial or otherwise, in all media and formats used by us or our agencies, without further compensation.
19. In the event that these Rules and Regulations do not, or do not clearly, cater for a solution to any matter which may arise, then Thomas Smith Insurance Agency Ltd. shall have the sole and absolute discretion to decide finally on such matter.
20. These Rules and Regulations are subject to change.
21. Participation in the Competition shall be deemed to be an unconditional acceptance of these Rules and Regulations.