Aviva Community Fund 2018 Terms and Conditions

General

General

These terms and conditions apply to the Aviva Community Fund 2018 (‘the Fund’) in the United Kingdom (which for the purpose of the Fund is considered by Aviva to be England, Wales, Scotland, Northern Ireland, Channel Islands, Isle of Man and Northern Isles (‘the UK’)) and entry into the Fund is acceptance of these terms and conditions. Therefore, please read these carefully.

The promoter of the Fund is Aviva Central Services UK Limited, registered in England and Wales under company number 3259447, Registered Office: Surrey Street, Norwich, NR1 3NG (‘Aviva’).

Nothing in these terms and conditions shall exclude the liability of Aviva for death, personal injury, fraud or fraudulent misrepresentation as a result of its negligence.

Aviva accepts no responsibility for any damage, loss, liabilities, injury or disappointment incurred or suffered by you as a result of entering the Awards (as defined in the ‘Awards and Voting’ section below) or accepting the Awards. Aviva further disclaims liability for any damage to your or any other person's computer and/or IT systems relating to or resulting from participation in or downloading any materials in connection with the Fund.

Aviva shall not be liable for any failure to comply with its obligations where the failure is caused by something outside its reasonable control.

The names of the Award winners will be published, in stages, on the Fund website from 24 January 2019 until at least 31 December 2019. The Award winners agree to have their names and counties disclosed for this purpose.

All Awards are subject to due diligence as set out in the ‘Voting’ section below.

Aviva may amend these Aviva Community Fund 2018 Terms and Conditions from time to time. Subject to any legal requirements to provide additional notice, changes to these Terms and Conditions will be communicated through the Fund website.

These terms and conditions shall be subject to the Laws of England and Wales and entrants to the Fund submit to the jurisdiction of the English courts.

Submitting an entry and eligibility criteria

Submitting an entry and eligibility criteria

How to submit an entry to the Fund

Entrants to the Fund may be eligible to receive a “General Award”, which is available to all entrants (excluding insurance brokers) or an “Insurance Broker Award”, which is open to any UK based Insurance Broker. You do not need to have an existing account or relationship with Aviva to enter into the broker awards.

Individuals (excluding insurance brokers) may submit entries for a General Award if they are:

  • residing in the UK, using a UK IP address, and not using a disposable email address (as determined by Aviva in its sole discretion);
  • not Fund judges or immediate family members (spouse, partner, child, parent or sibling) of a Fund judge. Fund judges must register their details in order to participate in the online judging process but are not eligible to submit a project; and
  • over the age of 13 as at 14 August 2018. However, if an entrant is under the age of 18, they will be asked to provide contact details of an appropriate adult associated with the project being entered to enable Aviva to verify the project submission.

Insurance brokers may submit entries for an Insurance Broker Award if:

  • they have an existing relationship with the project/organisation the subject of the entry or have provided regular or significant financial support to the project/organisation in the past;
  • they are based in the UK, using a UK IP address, and not using a disposable email address (as determined by Aviva in its sole discretion); and
  • they are not Fund judges or immediate family members (spouse, partner, child, parent or sibling) of a Fund judge. Fund judges must register their details in order to participate in the online judging process but are not eligible to submit a project.
  • the project application is made by the broker, not a representative from the charity or project.
  • they agree to be the point of contact for the project submission throughout the duration of the competition.
  • they agree that their company name will be assigned to and used to identify the project. The broker company name will appear on supporting communications regarding the announcement of broker finalists and winners should the project reach these stages.

In order to submit an entry to the Fund, you must first register your details at the Fund website. Each individual may only register once, but a registered individual may submit more than one project. To submit a project to the Fund, you must complete an entry form including details of the project for which you are applying for funding. By entering these details you grant Aviva an exclusive licence to publish your entry on the Fund website and other media including, but not limited to, the Aviva.co.uk website and electronic and printed communications. You also confirm that you have obtained the consent of the organisation whose project you are entering for its images and details to be published by Aviva.

Where entries are submitted as part of a team effort, the entry belongs to the individual who has submitted the entry and that individual’s contact details will be used accordingly. All participant agreements and relationships outside of the Fund must be managed by the entrant.

Eligibility criteria

The project submitted must relate to an organisation which:

  • is based in the UK
  • has been in existence for at least 6 months as at the date of submission
  • is a not-for-profit organisation
  • meets the due diligence requirements
  • has an average annual total gross income of less than £100,000 (if entered into the £1,000 award level); or has an average annual total gross income of less than £1,000,000 (if entered into the £5,000, £10,000 or £25,000 award level) over the previous three years
  • has a bank account in that organisation’s name

The project must:

  • create a change that positively impacts the local community through, for example, specific purchases, activities or the running costs of a programme
  • take place within the UK
  • the project must have a plan to use the awarded funds within 12 months of the award being made
  • be submitted in English
  • if submitted on behalf of or in association with a religious organisation, have an outcome that is accessible to anyone of any faith

Where possible the project should endeavour to pay the Living Wage if the award is being used to fund a paid position.

The entry and project must not:

  • be for the benefit of an individual
  • include any mention of specific individuals, companies, brands or products for promotion purposes
  • contain any third party trademarks or material including, but not limited to, photographs/images unless you have the express written permission of said third party
  • contain offensive, obscene or sexually suggestive material, propaganda, potentially misleading information, or defamatory or disparaging material about other people or companies, or endorse any form of hate, hate group or terrorist activity
  • discriminate unlawfully on the basis of gender, race, religion, creed, national origin, disability, age, sexual orientation, or any other basis prohibited by law, as determined by Aviva in its sole discretion
  • involve any form of mandatory religious study or discriminate against any faith or group. Projects that promote religious advocacy, attempt to convert people to another religion, or attempt to expand membership are not eligible to win an Award, and may be removed at any point
  • support any particular political party or affiliated group
  • directly promote or speak negatively about any particular faith, political action, legislation or party, or promote or encourage the violation of any law, as determined by Aviva in its sole discretion
  • promote any activities that may appear unsafe or dangerous, as determined by Aviva in its sole discretion
  • relate to controversial subject matter or any subject that is contrary to the interests of the Aviva group of companies (including, but not limited to, projects that present an unacceptable regulatory, reputational or other risk to the Aviva group of companies), as determined by Aviva in its sole discretion
  • be used for commercial use or promotion. Ideas that are connected to for-profit business ventures or that financially compensate an idea creator beyond fair wage are not eligible to win any award and may be removed at any point
  • be used towards a raffle, chance or lottery prize.

Each entry will be moderated at submission by Charities Trust (the fulfilment provider working with Aviva in relation to the Fund, registered office Suite 22, Century Building, Tower Street, Liverpool, L3 4BJ, company number 2142757, charity registration number 327489 (‘Charities Trust’)). You will receive notification when your entry has been accepted. In the majority of cases moderation will take up to 3 working days. Moderation could take longer towards the end of the submission period and/or if there is a query with your entry that requires additional moderation.

Acceptance of entry at moderation stage is not full due diligence. Full due diligence will be completed on Successful Projects, Finalists (see ‘Voting”) and any project submitted by a current customer or employee of Aviva which has not won an award but will, subject to satisfaction of the eligibility criteria, may be eligible for a £200 Aviva Customer and Employee award (see “Customer and Employee Awards”).

Entries that don’t meet the eligibility criteria above will not qualify for any Awards and will not be posted on the Fund website. If Aviva determines that an entry doesn’t meet the eligibility criteria at any time it will be removed from the process. In these cases, Aviva will contact the individual who submitted the project to advise them of its decision.

Aviva reserves the right, in its sole discretion, to reject entries that are incomplete, illegible, false or fraudulent, or remove them from the process at any point.

Closing Date

Submission of entries will be accepted from 9.00am on 11 September 2018 until 12 noon on 9 October 2018 ("the Closing Date"). Entries received after the Closing Date will not be processed.

Please be aware that your entry cannot be changed once submitted so you need to check your entry carefully before submitting.

Aviva accepts no responsibility for entries that are lost, delayed, misdirected or incomplete or cannot be delivered or entered for any technical or other reason. Proof of delivery of the entry is not proof of receipt.

Aviva will not be liable for any expenditure incurred by an organisation or individual whilst making an entry to the Fund and promoting their project for votes.

Crowdfunding your project

Aviva has partnered with Crowdfunder Ltd (“Crowdfunder”) for the Aviva Community Fund in 2018. On submission of your project, you will be invited to create a Crowdfunder account. This is an optional part of your project submission. If you choose to take up this option you will be directed to set up a profile and fundraising page on the Crowdfunder website and must agree to be bound by the Crowdfunder terms and conditions. Your Crowdfunder fundraising activities will be completely separate to your entry in the Fund and will have no impact on your success in the competition.

Your use of the Crowdfunder platform will be governed by the Crowdfunder terms and conditions. Aviva shall have no liability in connection with your use of the Crowdfunder platform.

Awards and Voting

Awards and Voting

Entrants to the Fund may be eligible to receive a General Award, which is available to all entrants (excluding insurance brokers) or an Insurance Broker Award, which is only available to insurance brokers. “Additional Awards” may also be allocated by the Fund, as outlined below under the heading “Additional Awards”. In these terms and conditions, the General awards, Insurance Broker awards and Additional awards are collectively referred to as the “Awards” and each allocation of funds is referred to as an “Award”.

Project Categories

To be eligible for an Insurance Broker Award, the entrant must have indicated that they are an Insurance Broker at the time of submission, this cannot be applied retrospectively.

The General awards and Insurance Broker awards are further divided into project categories as follows:

  • Environment
  • Health and Wellbeing
  • Skills for Life

(‘the Project Categories’)

The choice of which Project Category to enter is the responsibility of the person submitting the entry. Please refer to the Fund website on the topic for further details to support your decision.

Choosing a funding level

Entrants must apply for one of four levels of funding – £1,000, £5,000, £10,000 and £25,000.

Entries for an Award of up to £1,000 in any Project Category may only be submitted by organisations with an average annual gross income of £100,000 or less over the last three years.

Organisations with an average annual gross income of between £100,000 and £1,000,000 over the last three years can choose to submit their project for either a £5,000, £10,000 or £25,000 Award.

Organisations with an average annual gross income of £100,000 or less over the last three years, can choose to submit their project for either a £1,000, £5,000, £10,000 or £25,000 Award.

Should a winning entry consist of a project that requires funding beyond its Award, Aviva will not be responsible for any such further funding.

Allocation of Awards

The Fund intends to allocate the General awards and Insurance Broker awards as set out in the below tables.

General Awards

Project Categories Number of Awards
Small Prize:
Up to £1,000
(up to £100k income only)
Medium Prize:
Up to £5,000
Large Prize:
Up to £10,000
Grand Prize:
Up to £25,000
Health and Wellbeing 400 28 16 4
Environment 28 16 4
Skills for Life 28 16 4

Insurance Brokers Awards

Project Categories Number of Awards
Small Prize:
Up to £1,000
(up to £100k income only)
Medium Prize:
Up to £5,000
Large Prize:
Up to £10,000
Grand Prize:
Up to £25,000
Health and Wellbeing 30 6 2 2
Environment 6 2
Skills for Life 6 2

If there are fewer entries in a particular award level (including in relation to the Insurance Broker Awards) than there are number of awards intended to be allocated to that award level, the value of unallocated awards may, at Aviva’s sole discretion, be redistributed to other award levels to support additional awards as Aviva sees fit.

Additional Awards

Finalists’ Awards

If an entry in the £5,000, £10,000 or £25,000 award levels becomes a Finalist and does not win an award but has, in Aviva’s sole discretion, satisfied the eligibility criteria and due diligence requirements and not otherwise contravened these terms and conditions, the organisation will receive a payment of £500.

Customer Awards

The first 1,000 projects submitted by a current Aviva customer and subsequently approved for publication, but which do not subsequently win an award for which it has been entered, will receive £200.

Employee Awards

The first 1,000 projects submitted by a current Aviva employee and subsequently approved for publication, but which do not subsequently win an award for which it has been entered, will receive £200.

A "current Aviva customer or current Aviva employee" for the purposes of these terms and conditions means:

  • a person who was an Aviva personal policyholder on 14 August 2018 (excluding single trip travel insurance), or
  • a person who was an Aviva employee on 14 August 2018.

To be eligible for a Customer or Employee Award, the entrant must have indicated that they are a Customer/Employee (as appropriate) at the time of submission, this cannot be applied retrospectively.

This payment is subject to satisfactory due diligence (as applies to successful projects and finalists).

Only one project submitted by a current Aviva customer or Aviva employee will be eligible for this award. Where a customer or employee has submitted more than one project, we will contact them to confirm which of their projects should receive the funding.

Judges’ Choice and Employee Choice Awards

If, following final decision on the recipients of the awards referred to above, there remains leftover funds (for example because some recipients of awards did not apply to receive the full value of the award available to them), the Fund may, in its sole discretion, allocate further awards to projects that have not otherwise received an Award. The Fund may also, in its sole discretion, allocate other non-monetary prizes to projects that have not otherwise received an Award. Such allocations may be made at the choice of the judges or by Aviva employees responding to an internal voting process.

Voting

All approved entries will be published on the Fund website on 23 October 2018 and may be voted on by registered users of the site (the ‘Registered Users’).

To vote for an entry in the Fund you should first register your details at the Fund website. An individual may only register once for participation in the Fund. If you have already registered to submit a project, you do not need to register again to vote.

Voting for an entry to the Fund is only available to people residing in the UK, using a UK IP address, and not using a disposable email address (as determined by Aviva in its sole discretion). Any votes identified as originating outside the UK will be classified as invalid and removed from the Fund.

The voting period will be open from 09.00am on 23 October 2018 until 12 noon on 20 November 2018 (‘the Voting Period’).

Each Registered User will have 10 votes to use during the Voting Period and can vote for the same entry more than once and/or for multiple projects. Registered Users who have submitted an entry are allowed to vote for their own entry. Votes can be placed at any time during the Voting Period. Once a vote is cast it cannot be taken back or changed.

If Aviva discovers or suspects fraudulent or invalid votes, these may be removed from the process at the sole discretion of Aviva.

Successful Projects and Finalists

Successful Projects

In the £1,000 award level

The Fund intends to allocate awards of £1,000 to 430 projects (“Successful Projects”). These awards will be allocated in the order set out below:

  • at the conclusion of the voting period, to the 30 entries made by Insurance Brokers for this award that have received the highest number of votes; and
  • then, to the next 400 entries that have received the highest number of votes.

Awards will be allocated in accordance with steps 1 and 2 above, at the conclusion of the voting period.

Notwithstanding the above process, the Fund will aim to allocate the awards as set out in the tables under the heading ‘Allocation of Awards’. Should the maximum number of awards be allocated to projects in a particular Project Category (for example, 30 awards to Health & Wellbeing projects), the Fund may choose not to allocate any more awards to such types of Projects. The Fund may continue to allocate awards to other types of projects following the above process until the maximum number of awards are allocated for each project type.

Finalists

Entries made in the £5,000, £10,000 or £25,000 award levels, with the highest number of votes, will be eligible to proceed as finalists (“Finalists”). The number of Finalists by award level and project category is set out below: 

The General Awards

Project Categories Number of Finalists
 Medium Prize:
Up to £5,000
Large Prize:
Up to £10,000
Grand Prize:
Up to £25,000
Health and Wellbeing 84 48 16
Environment 84 48 16
Skills for Life 84 48 16

Insurance Broker Awards

Project Categories Number of Finalists
Medium Prize:
Up to £5,000
Large Prize:
Up to £10,000
Grand Prize:
Up to £25,000
Health and Wellbeing 18 6 6
Environment 18 6
Skills for Life 18 6

Wildcard Finalists

Aviva is especially keen to promote projects that embody Aviva’s values: Care More, Create Legacy; Never Rest and Kill Complexity. At the conclusion of voting, the Judges may decide to promote certain projects that embody those values to the Finalists stage, where those projects have not otherwise received sufficient votes to proceed. Such projects may then be eligible for awards in the £5,000, £10,000 and £25,000 levels, but must comply with the obligations on Finalists (as set out in the “What Happens When Voting Closes?” section) and will be judged on the same criteria as all other Finalists (as set out in the “Judging and selecting the winners” section).

What happens when voting closes?

The Successful Projects in the £1,000 award level, and Finalists in the £5,000, £10,000 and £25,000 award levels, will be emailed on the morning of 27 November 2018. Details of Successful Projects and Finalists will be issued on the Fund Website at 2pm on 27 November 2018.

All Successful Projects and Finalists will be contacted by email by Charities Trust on 27 November 2018 and asked to complete a due diligence form relating to the organisation delivering the project. Finalists will also be asked to provide additional information as set out below. It is the responsibility of the individual who submitted the entry to get the information from the organisation delivering the project.

If a Successful Project or Finalist does not respond to the email from Charities Trust with the requested information and completed due diligence form by the deadlines provided below, their place as a Successful Project or Finalist will be forfeited.

For Successful Projects in the £1,000 award level

The due diligence form must be completed and returned to Charities Trust no later than 5pm on 7 December 2018. 

For Finalists in the £5,000, £10,000 and £25,000 award levels

The following additional information about the project will need to be submitted on the Fund website by the entrant. This information must be entered no later than 5pm on 7 December 2018. The completed due diligence form must also be returned to Charities Trust by this date and time. 

Along with the information provided with your original submission, the judges will use the below information to score Finalist’s entries. Please review the judging criteria (in the section “Judging and selecting the winners”) to make sure your answers reflect the information they will be scoring your entry on to give yourself the best chance to receive high marks for your project.

  • What is the need in your local community that this project is addressing? (max. 200 words)
    Please include in your answer how urgent the need is and, if appropriate, why the need has arisen. You may also want to include the support this project has from the wider community, including volunteers, where appropriate.
  • What exactly will the money be spent on? (max. 200 words) 
    Be as specific as you can in your answer, including cost breakdowns where appropriate. Also include details on how soon after the money is received the project could be delivered.
  • Does the project rely on other funding (in addition to the award from the Aviva Community Fund) to be successful? (max. 200 words)
    If the answer to this question is yes, please include how much additional funding, what plans are in place to raise those funds and why you think you will be successful in raising it.
  • How many people will be impacted by this project both directly as beneficiaries, and indirectly (e.g. families of those directly impacted, or in the wider community)? (max. 200 words)
    Please include in your answer the kind of people that will be impacted. For example, are they residents, site users, what ages are they, do they come from a particular ethnic, social or health background, are they unemployed, do they have learning disabilities, etc? Please also tell us how they will be impacted.
  • How long will the impact from this project be felt in the community and what makes it sustainable? (max. 200 words)
    Please include details on whether the project (and impact) would last a week, a month, a year or longer. Also details of continued funding for running or maintenance costs or other fundraising plans for when the award donation is spent to show how the project will be sustained (if relevant).

Entries to the Insurance Brokers awards will also be asked to provide the following information:

  • What is your relationship to the charity/project? (max 300 words)
    Have you worked with them in the past and how do you currently support them e.g. financially, volunteering, fundraising etc?
Judging and selecting the winners

Judging and selecting the winners

Successful Projects are not judged but are selected based on time of entry and number of votes received (see the “Successful Projects and Finalists” section above), subject to due diligence by Charities Trust.

Finalists’ entries (original submission and additional information provided by Finalists) will be reviewed by one of our judging panels. Each panel comprises of between three and five impartial judges chosen by Aviva to select the winners. They will judge the entries on the following criteria:

  • Impact
    • how urgent is the need in the community? (15%)
    • how many people will be affected by this project? (15%)
    • is the idea compelling for a broad audience (taking into account the number of votes the entry received)? (10%)
  • Longevity and sustainability
    • is the entry a stand-alone project, or does it require funding from alternatives sources? (10%)
    • how long will the project’s impact last in the community? (15%)
    • does this project have clear volunteer support? (10%)
  • Likelihood of success
    • is there a high probability of fast and successful delivery of this project? (10%)
  • Submission
    • how much effort went into preparing the entry and supporting documentation?  (5%)
    • how well thought through and clearly explained is the entry? (5%)
  • Innovation
    • how original and innovative is the project? (5%)

Each judge will give each entry a score between 0 and 10 for each criteria. The weighting (figures in brackets) will then be applied to those scores to create an overall score. The scores of each judge will then be aggregated and averaged across the judging panel to get the final score for each entry.

If Aviva believes there may be a conflict of interest based on a relationship between a Fund judge and an entrant, that judge's scores shall not be included in the evaluation of that entry.

Each of the projects relating to the winning entries will receive an Award of up to £5,000, £10,000 or £25,000 (depending on the Award level selected and exact amount applied for), subject to the terms and conditions set out in the Notifying the winners and the Impact Assessment sections below. No money will be paid directly to an individual entrant, only to the organisation delivering the project.

The number of Successful Projects to receive Awards and the number of winners are as set out in the tables above under the heading ‘Allocation of Awards’.

Notifying the winners

Notifying the winners

Winners will be announced in stages between 24 January and 5 March 2019. Finalists will be notified and winners details published on the Fund website according to the following schedule, subject to passing the due diligence process at this point:

  • General Awards: Environment - 24 January 2019
  • General Awards: Health & Wellbeing - 31 January 2019
  • General Awards: Skills for Life – 7 February 2019
  • Insurance Broker Awards: All Categories – 5 March 2019

Successful Projects in the £1,000 Award level will also be confirmed as winners on 24 January 2019.

General Award recipients agree to be contacted and take part in post-Award activity including, but not limited to, regular communications about the project which the Award has been used towards.

Brokers who have submitted projects agree to be contacted and to have the name of their company associated with the project in any publicity materials.

Activity and publicity could include, but is not limited to, media activity, social media or information on the Fund website.

Impact Assessment

Impact Assessment

The organisations relating to the projects to receive Awards will each receive the Award by way of BACS payment from Charities Trust within 6 (six) weeks of notification, provided that they have complied with these terms and conditions. Awards are non-exchangeable, non-transferable and are not redeemable for cash or other remuneration.

If any Successful Project, Finalist or winner does not meet these terms and conditions, the organisation relating to the relevant project will not be eligible to receive an Award. A new winner that meets these terms and conditions will be chosen. Aviva may ask the winners to provide proof of country of residence.

All Awards of £1,000 or less are "unrestricted funds" meaning they are available for the purposes of the organisation to be spent as they see fit subject to the objectives of the organisation. However, it would be expected that the Awards are spent on the project entered into the Awards, or a like for like project.

Awards in the £5,000, £10,000 and £25,000 levels are "restricted funds" meaning they can only be used for the purpose stated in the entry. If for any reason an Award cannot be used for such purpose the individual entrant can approach Aviva to approve redirection of the Award to another project led by the same organisation. If the new project does not meet these terms and conditions Aviva reserves the right to reclaim the Award. Award recipients agree that Aviva may request reasonable evidence as to how the Award has been used. If the Award has not been used for the purpose stated in the entry, Aviva reserves the right to reclaim from the organisation an amount equivalent to the Award.

All winners will be asked to complete an impact assessment form to record the impact the Award has made in their local community ("Impact Assessment"). This should be completed on the earliest date of either, completion of the project or 31 December 2019. Winners of amounts over £1,000 must complete the Impact Assessment as a condition of the Awards, but for winners of amounts of £1,000 or less the Impact Assessment is optional. Charities Trust will send the winners an Impact Assessment form shortly after the Awards have been paid. If the project is completed after 31 December 2019, a further Impact Assessment form is required upon completion of the project. If winners of amounts over £1,000 do not complete the Impact Assessment/s by the deadlines provided herein, Aviva reserves the right to reclaim from the organisation an amount equivalent to the Award.

Personal Information

Personal Information

Our usage of your personal information is governed by our Group Privacy Policy. Please read the Aviva Community Fund Privacy Notice to understand what information we collect about you, what we can do with it, how we might share it, how you can access it, and other important information relating to your personal data.

Intellectual property rights

Aviva would like to use your entry and any other material you provide to us (including material you provide to us separate to your entry or material you post on the Fund’s Facebook page) as widely as possible. For example, we may want to make your entry and any other material available on the Fund’s website or use it in promotions for the Fund.

When you enter the Fund, you agree to grant Aviva a non-exclusive, worldwide, irrevocable licence to the intellectual property rights in your entry and any other material you provide to us. Intellectual property rights are the rights an owner of material (e.g. text, images) has to decide how their material is used. You also agree to waive any moral rights which you may have in your entry and any other material you provide to us. Moral rights are the rights an owner of material has to be acknowledged as the creator of the material and to object to derogatory treatment of their material. You agree that we may decide at our discretion how your entry and any other material you provide to us may be used.

You warrant to us that your entry and any other material you provide to us:

  • is owned and controlled by you and that you have the right, power and authority to grant us a licence to your intellectual property rights;
  • is not subject to any conflicting agreements which might restrict how we use your submission or any other material you provide us;
  • will not infringe the intellectual property rights of any third party;
  • in respect of images of third parties, that you have the consent to use such images and that the third party has waived their rights in relation to such images. If a third party image is of a person under 18 years of age, parental or guardian consent must be obtained to use that image. You must produce evidence of the required consents at Aviva’s request or risk being disqualified from the Fund;
  • will not contain anything which is untrue, defamatory, obscene, indecent, harassing or threatening;
  • do not violate any applicable law or regulation; and
  • do not, to the best of your knowledge, contain any viruses or other malicious elements that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information.