These terms and conditions (Terms) apply to the #PDPetsValentines Competition, in which participants are required to submit an entry showcasing how their pet expresses love. This can be done by commenting on the competition post with a story, sharing a picture in the comments section or via DM, sending a video via DM, or posting an Instagram or Facebook story while tagging @pd.co.nz. Entries can be discovered through the hashtag #PDPetsValentines, direct messages, or under the competition post comments, as long as the tagging requirement is met.

A qualifying entry must:

1. Follow the @pd.co.nz Instagram or Facebook account.

2. Like the competition post.

3. Submit a comment on the competition post sharing a story about how their pet shows love, share a picture in the comment section or via DM, send a video via DM, or post a story while tagging @pd.co.nz and/or using the hashtag #PDPetsValentines.

4. By participating in the competition, entrants agree that all content shared with us (including photos, videos, and comments) grants pd.co.nz permission to use the content for marketing and promotional purposes.

In these Terms, ‘pd.co.nz’ means PD Insurance, Pacific International Insurance and all related group companies (also referred to as ‘we’, ‘us’ or ‘our’).

The Competition will run from 1 February 2025, 00:01 NZST to 10 February 2025, 23:59 NZST (Competition Period).

• This Competition is open to individuals residing in New Zealand only.
• Pacific International Insurance employees and their immediate family members may submit entries but are not eligible to win the competition.
• Entries must be original, align with the competition theme, and comply with Facebook and Instagram’s content policies.
• Three winners will be selected by the pd.co.nz team based on creativity and relevance to the Valentine’s Day theme.
• The three winners will be selected on or after 12:00 on 11 February 2025 and announced by 14 February 2025.
• Each winner will receive a prize as determined by the pd.co.nz team.
• The nature and value of the prize will be at the discretion of pd.co.nz and will not be negotiable or redeemable for cash.
• Winners will be contacted via Facebook or Instagram Direct Message (DM) to provide their contact details (phone number, home address, and email address) for prize delivery.
• Should a winner fail to respond within 7 days of being contacted, pd.co.nz reserves the right to select another winner or withdraw the prize entirely.
• pd.co.nz reserves the right to verify the validity of entries and disqualify any entry that does not comply with these Terms.
• Animal safety and welfare must be upheld at all times. Any content that appears to endanger or harm an animal will result in immediate disqualification and reporting to Instagram or Facebook.
• By entering, participants consent to pd.co.nz using their submitted content (photos, videos, comments) for marketing purposes, including but not limited to social media posts and blog features.
• pd.co.nz is not responsible for any technical issues, errors, or malfunctions related to Instagram that may affect entry submissions.
• pd.co.nz reserves the right to modify or cancel the competition at any time due to unforeseen circumstances beyond its control.
• This Competition is in no way sponsored, endorsed, or administered by, or associated with, Instagram or Facebook.
• Any decisions made by pd.co.nz regarding the Competition are final and binding. No further correspondence will be entered into.

By entering the Competition, participants accept these Terms & Conditions. If you do not agree with any of these Terms, please do not enter.

Good luck to all participants!