By participating in the Younger Insurance Agency Raffle Giveaway, you agree to the following terms and conditions:

1. **Eligibility:** The Younger Insurance Agency Raffle Giveaway is open to legal residents of the United States who are at least 18 years of age at the time of entry. Employees and immediate family members of Younger Insurance Agency are not eligible to participate.

2. **Entry Period:** The entry period for the raffle giveaway is monthly. Participants are limited to one entry per monthly entry period. Additional entries are available in the following ways:
- Obtain a quote from Younger Insurance Agency.
- Being an existing customer of Younger Insurance Agency.

3. **Entry Requirements:** To enter the raffle giveaway, participants must complete the required entry form as specified in the official announcement. Incomplete or inaccurate entries will be disqualified.

4. **Prizes:** The prizes, their values, and the number of winners will be clearly stated in the official announcement. Prizes are non-transferable and cannot be exchanged for cash or any other substitute.

5. **Winner Selection:** Only one person will be randomly selected as the winner in the monthly raffle. The odds of winning depend on the total number of eligible entries for that month.

6. **Notification:** The winner will be notified via the contact information provided in their entry form. If the winner does not respond within seven (7) days of notification, an alternate winner may be selected.

7. **Publicity Release:** By entering the giveaway, you grant Younger Insurance Agency the right to use your name and likeness for promotional purposes without any further compensation.

8. **Taxes:** Winners are solely responsible for any federal, state, or local taxes associated with the receipt of the prize.

9. **General Conditions:** Younger Insurance Agency reserves the right to terminate, modify, or suspend the raffle giveaway at any time for any reason. We are not responsible for lost, late, misdirected, or incomplete entries.

10. **Release of Liability:** By entering, participants release Younger Insurance Agency, its affiliates, and their respective officers, directors, employees, and agents from any and all liability for any injuries, losses, or damages of any kind arising from or in connection with the giveaway or any prize won.

11. **Governing Law:** The Younger Insurance Agency Raffle Giveaway is subject to all applicable federal, state, and local laws and regulations and is void where prohibited.

12. **Insurance Disclaimer:** Important — Please note that completion of any request(s) for information does not constitute the purchase of insurance. No coverage may be added, changed, or bound as a result of submitting a request for information or quotation of insurance. All coverage must be confirmed by the agency in writing subject to an acceptable signed application meeting the underwriting guidelines of the Insurance Company.

13. **Communication Opt-In:** By entering this raffle, you are agreeing to Younger Insurance Agency's communication opt-in policy, which allows Younger Insurance Agency to call, email, or text you. You also agree to our privacy policy and terms when securing a quote. The full policies can be found at [https://www.youngeria.com/privacy/](https://www.youngeria.com/privacy/).

By entering the Younger Insurance Agency Raffle Giveaway, you acknowledge that you have read and understood these terms and agree to abide by them. For any questions or clarifications, please contact us at [contact information].

Please note that this disclaimer may be subject to change, and the most up-to-date version will be available in the official announcement of the giveaway.