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Stonebridge Life Insurance Company Scratch Off Instant Win Game







SPONSOR:    Stonebridge Life Insurance Company, Administrative Offices, 300 Eagleview Boulevard, Exton, PA 19341.


Customer Service Number:  1-877-272-0408


TERM: The Stonebridge Life Insurance Company Scratch Off Instant Win Game (“Game”) begins at 12:01 a.m. Eastern Time (“ET”) on 4/1/15 and ends at 11:59 p.m. ET on 5/31/15 (the “Game Entry Period”).


ELIGIBILITY: The Game is open to individuals age 18 and older who are legal residents of the United States (except residents of Kentucky, Maine, New Hampshire, New York and Puerto Rico) and the District of Columbia to whom this offer is addressed. Employees, officers and directors of the Sponsor, Ventura Associates International LLC, J. C. Penney Corporation, Inc., and their respective parent companies and their divisions, subsidiaries, affiliates, resellers, agents, advertising and promotion agencies and any other persons involved with this promotion and immediate family members of employees of the Sponsor, Ventura Associates International LLC, or J. C. Penney Corporation, Inc., (defined as mother, father, sister, brother, son, daughter & spouse) and those living in the same household are NOT eligible to enter. All federal, state and local laws and regulations apply. Void in Kentucky, Maine, New Hampshire, New York, Puerto Rico and where prohibited by law. Game is governed by U.S. law.


INSTANT WIN GAME: A scratch off box and unique number (collectively: “game piece”) appear on the offer you received via U.S. mail addressed to you. Entry opportunity is not transferable except to a spouse. 


To play, scratch off the silver box. Then call the toll-free number mentioned in your offer during the Game Entry Period and follow all entry instructions provided during the call, including providing your name, address, and unique number. Once you submit your unique number, you will be informed that your unique number is a potential winning number and the corresponding prize you are entitled to claim. Limit: One play per person and/or phone number.


Your potential winning unique number including your confirmation as a winner is subject to verification and meeting eligibility requirements. For potential winners of prizes valued at $500, $100, $50 and $25, (i.e., the First through Fourth prizes), mail the original offer you received by mail (i.e., your game piece) with name, address, birth date and phone number via certified return receipt mail to: Ventura Associates, Dept.: WG, 60 E 42nd St, Suite 650, NY, NY 10165.  You are responsible for retaining a photocopy of it for your records. For all other prizes valued at $10 and $5, (i.e., the Fifth and Sixth prizes), a claim form will be mailed to you with further instructions on how to claim your prize. All instant win prize claims for prizes valued at $25 or more must be received by 6/30/15. If you do not win a First through Fourth prize instantly, you will be automatically entered in the Second Chance Drawing for any unclaimed First through Fourth prizes, plus one additional Second Chance prize of $1,000 in JCPenney gift cards.


CONSUMER DISCLOSURES: No purchase or payment necessary to enter or win.  You have not yet won.  Ends: 5/31/15.  Prizes available to be claimed: Five (5) First Prizes: $500 JCPenney gift card. Ten (10) Second Prizes: $100 JCPenney gift card. Twenty (20) Third Prizes: $50 JCPenney gift card. Twenty (20) Fourth Prizes: $25 JCPenney gift card. Ten (10) Fifth Prizes: $10 JCPenney gift card. 499,935 Sixth Prizes: $5 JCPenney gift card. Odds of winning instantly for a First Prize are 1:100,000; for a Second Prize 1:50,000; for a Third Prize 1:25,000; for a Fourth Prize 1:25,000; for a Fifth Prize estimated at approximately 1:50,000; for a Sixth Prize 1:1. Any unclaimed First through Fourth prizes plus one additional Second Chance prize of $1,000 in JCPenney gift cards (which are all guaranteed to be awarded) will be awarded in the Second Chance Drawing. Odds of winning the Second Chance Drawing depend on the number of prizes left to be awarded and the number of eligible entries received. Based on historical response rates and including all aforementioned guaranteed prizes it is estimated the total value of prizes that will be awarded is $255,967.50. Winners are responsible for all federal, state and local taxes. Prizes subject to standard terms and conditions applicable to JCPenney gift cards. Winners need not be present to win. Sponsor is not responsible for any typographical, printing, or other errors; or for entries which are late, lost, incomplete, or misdirected. Second Chance Drawing will be conducted on or about 7/14/15 at 60 E 42nd St, Suite 650, NY, NY 10165. If any Fifth or Sixth prize claim by winner is not postmarked by the claim date indicated in the potential winner’s claim form and received within 14 days thereafter, that prize will not be awarded. Sponsor: Stonebridge Life Insurance Company, Administrative Offices, 300 Eagleview Boulevard, Exton, PA 19341.


GENERAL CONDITIONS: Prize claims subject to verification by, and drawing will be conducted by, an independent judging organization whose decisions are final. Limit: One major prize per person and/or phone number. All game pieces submitted for redemption become property of the Sponsor and will not be returned.  Anti-fraud detection devices/methods may be used to verify winners. Game pieces will be void if they fail to pass anti-fraud detection measures or if found to be photocopied, reproduced, altered, forged, defaced, tampered with, mutilated, stolen, unauthorized or illegible in any way, or if they fail to contain special markings and/or security codes used in this promotion. Game pieces that contain printing errors, are tampered with, illegible, photocopied, mechanically reproduced, distributed where prohibited by law or not obtained through regular channels will be deemed null and void. If through printing or production errors (or any errors whatsoever), more winning unique numbers are printed and distributed than those prize quantities offered in these official rules, no more than the actual number of prizes per these official rules will be awarded. Should such a situation occur, winners will be determined in a random drawing from among all submitted eligible and verified winning prize claims.


NOTIFICATION:  Once a potential winning game piece is verified, the potential winner will be notified by mail or overnight delivery. Prize may be forfeited if winner is not reachable at address or phone number provided or a forwarding address is not made available. If a First through Fourth prize is forfeited, an alternate winner will be selected from among all eligible Second Chance Drawing entries. At the judges’ discretion, First through Fourth prize winners and the $1,000 Second Chance prize winner may be required to complete and return an Affidavit of Eligibility & Liability-Publicity Releases (where permissible by law) (collectively “Affidavit”), which must be executed and returned within 14 days of date printed on notification or winner is disqualified and an alternate winner will be selected in a separate random drawing. The Sponsor reserves the right to modify the notification procedures in connection with the selection of an alternate winner, if any. If notification or prize is returned as undeliverable, the corresponding prize (First through Fourth and $1,000 Second Chance prizes only) will be awarded to an alternate winner. If any First through Fourth prizes remain unclaimed (i.e., not awarded) after 120 days from the drawing date, at the sole discretion of the Sponsor, such prize(s) will be donated to a charity of Sponsor’s choice. If notification for any Fifth or Sixth prize is returned as undeliverable, that prize will not be awarded. Prizes awarded approximately 30 days after verification. No substitutions except as may be necessary due to unavailability, in which case a prize of equal value will be awarded. Prizes are not transferable (except to a surviving spouse) or redeemable for cash. All taxes (including but not limited to sales tax) are the winners’ responsibility. Sponsor is not responsible for notification or Affidavit that is misdirected or not received.  If winner is otherwise eligible under these official rules, but is nevertheless deemed a minor in his or her state of primary residence, the prize will be awarded in the name of winner's parent or legal guardian who will be required to execute Affidavit on minor’s behalf. Prize is non-assignable or transferable, except to a surviving spouse.


ADDITIONAL TERMS AND CONDITIONS: JCPenney gift card is redeemable for merchandise and services (excluding gift cards) at JCPenney stores in the U.S. and P.R. and  JCPenney gift card is not redeemable for cash except where required by applicable law. JCPenney gift card may not be used as payment on a JCPenney credit card account or any other credit card account.  Lost, stolen or damaged gift cards may be cancelled and replaced with a new gift card in the amount of the then-remaining balance upon proof as required by JCPenney.  JCPenney gift card usage is subject to the complete terms and conditions printed on the back of each gift card and available on


By participating in the Game, the winner consents to the use of his or her name and likeness for advertising and publicity purposes without further compensation, where permitted. Information provided by you to participate in this Game is subject to Sponsor’s privacy policy located at Sponsor is not responsible if Game cannot be implemented due to delays or interruptions caused by acts of God, acts of war, natural disasters, weather, utility outages or terrorism.  Entry materials/data that have been tampered with or altered, or mass entries or entries generated by automated devices are void.  The Sponsor and its respective affiliates, parents, subsidiaries or agents are not responsible for: (i) late, lost, incomplete, mechanically reproduced, stolen, misdirected, damaged, impermissible entries or  any other error whether human, mechanical or electronic; or (ii) error, omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction of unauthorized access to or alterations of entry materials, or for technical, network, telephone equipment or carrier/network, electronic, computer, hardware or software malfunctions of any kind, or inaccurate transmission of or failure to receive entry information by Sponsor on account of technical problems or traffic congestion on the telephone carrier’s system or traffic congestion on the Internet or at any Web Site or any combination thereof or any injury or damage to entrant’s or any other person’s computer related to or resulting from participating in the Game.  Sponsor’s decisions as to all matters related to the administration of the Game and selection of the prize winner is final.  Sponsor reserves the right to cancel or modify the Game without prior notice.


Winner agrees that Sponsor, Ventura Associates International LLC, J. C. Penney Corporation, Inc., and their respective affiliates, parents, subsidiaries, agents, employees, directors, or officers of these companies are not liable whatsoever for injury, damage, expense, accident, delay, irregularities, loss or claim caused or claimed to be caused, directly or indirectly, by participating in this Game, or by the acceptance, possession, use or misuse of any prize awarded.  By participating and redeeming prize, winner releases Sponsor, Ventura Associates International LLC, J. C. Penney Corporation, Inc., and their respective affiliates, parents, subsidiaries and agents, employees, directors and officers from any and all loss, liability or damage resulting from or arising out of participation in the Game.  Entrants agree that (1) any and all disputes, claims, and causes of action arising out of or connected with this Game or the determination of winner shall be resolved individually, without resort to any form of class action, and exclusively by the United States District Court for the Eastern District of Pennsylvania or the appropriate Pennsylvania State Court; (2) any and all claims, judgments and awards shall be limited to the actual out-of-pocket costs incurred, including costs associated with entering this Game but in no event attorneys’ fees; and (3) under no circumstances will an entrant be permitted to obtain awards for and entrant hereby waives all rights of claim to punitive, incidental and consequential damages and all other damages, other than for the actual out-of-pocket expenses and any and all rights to have damages multiplied or otherwise increased.  SOME JURSIDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILTY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATONS OR EXCLUSIONS MAY NOT APPLY TO YOU.


By participating in the Game, you (i) agree to be bound by these official rules, including all eligibility requirements; and (ii) agree to be bound by the decisions of Sponsor and the independent judging organization, which are final and binding in all matters relating to the Game.  Failure to comply with these official rules may result in disqualification from the Game. Sponsor reserves the right to: (i) permanently disqualify any person it believes has intentionally violated these Official Rules; and (ii) withdraw the telephonic or electronic method of entry if it becomes technically corrupted (including if a computer virus or system malfunction inalterably impairs its ability to conduct the Game), and to select winner(s) from among all eligible entries received prior to withdrawal.


Legal Warning: ANY ATTEMPT BY AN individual, whether or not an ENTRANT, TO DELIBERATELY DAMAGE, destroy, tamper or vandalize this WEB SITE OR interfere with the OPERATION OF THE GAME, IS A VIOLATION OF CRIMINAL AND CIVIL LAWS and THE SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES and diligently pursue all remedies against ANY SUCH individual TO THE FULLEST EXTENT PERMITTED BY LAW.


OFFICIAL RULES, WINNER’S LIST OR MAIL PREFERENCE: To obtain a copy of the Official Rules or receive the winner’s list (available by 8/31/15 send self-addressed, stamped envelope by 8/31/15 to Stonebridge Life Insurance Company Scratch Off Instant Win Game AEGD-5359, Administrative Offices, 300 Eagleview Boulevard, Exton, PA 19341. Vermont residents may exclude return postage.


To decline to receive future Sweepstakes/Game offers from the Sponsor you may write to this same address.

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