$250,000 Bracket Challenge
OFFICIAL RULES
NO PURCHASE NECESSARY
TO ENTER OR WIN. PURCHASE DOES NOT
IMPROVE CHANCES OF WINNING. THE
FOLLOWING CONTEST IS VALID IN THE FIFTY UNITED STATES AND DISTRICT OF COLUMBIA, AND IS OPEN ONLY TO QUALIFIED PERSONS (AS DEFINED
IN THE RULES BELOW). VOID ELSEWHERE AND
WHEREVER PROHIBITED. DO NOT PARTICIPATE
IN THE CONTEST IF YOU DO NOT FALL WITHIN THE ELIGIBILITY REQUIREMENTS AS SET
FORTH BELOW.
Contest Name: $250,000 Bracket Challenge (the “Contest”).
Contest Dates: Contest registration is scheduled to begin
at 12:00:01am ET on 3/9/2026 and end at 12:00:00pm (noon) ET on
3/19/2026 prior to the start of the first game in the first round of the
designated tournament (the “Registration Period”). The Grand Prize
Contest is scheduled to occur between 3/19/2026 – 4/6/2026 during the
designated 2026 Men’s College Basketball Tournament. Contest is subject
to all applicable federal, state and local laws and regulations. Void
outside the U.S. and D.C., and wherever prohibited or
restricted by law.
§
Designated
Tournament: 2026
Men’s College Basketball Tournament being played between 3/19/2026 – 4/6/2026,
with the Semi-Final and Championship games to be held at the in Indianapolis,
IN on 4/4/2026 and 4/6/2026.
§
NOTE: In the event the tournament is
cancelled, postponed, rescheduled, or any portion of the scheduled games are
cancelled, postponed, or rescheduled, due to Pandemic, Force Majeure, act of
terrorism, war or any other reason, Sponsor reserves the right to either cancel
the Bracket Challenge contest, or to adjust the Contest dates, in its sole
discretion.
§
In
the event any scheduled game during the tournament is cancelled, forfeit,
postponed, delayed or not played as scheduled for any reason, including due to
Pandemic, Force Majeure, act of terrorism, war or any other reason, resulting
in fewer than (63) games being played during the tournament, then there shall
be no opportunity for any entrant to claim either the Grand Prize (correctly
predict all 63 games in the tournament) or the Bonus Prize (correctly predict
60 or more games in the tournament).
Who
May Enter: Contest is open to
the first 25,000 entrants who are legal US residents who are owners and/or employees of insurance
agencies under contract with Stonetrust Workers’
Compensation, age 18
or older as of date of entry, and have a valid U.S. driver’s license or
government issued photo ID, except the following persons who are not eligible
to enter or win:
(a)
Employees,
officers, and directors of Stonetrust Commercial
Insurance Company (“Sponsor”), Million
Dollar Media (the “Administrator”), other participating Sponsors, each of
their respective franchisees, parents, affiliated companies, subsidiaries,
distributors, retailers, printers, advertising and promotion agencies, and any
and all other companies associated with the design or execution of this
promotion (collectively, “Released Parties”), and the members of the immediate
families or households, whether or not related, of any of the above. “Immediate
family members” includes, for purposes of this promotion, parents (including
in-laws), grandparents, siblings (including step-siblings),
children (including step-children), grand children
(including step grand children) and each of their
respective spouses, regardless of where they reside.
(b)
Individuals
who do not have access to an internet connection in order to
visit the contest website, or a valid email address to register.
How to Enter – On-Line Registration: Be one of the first (25,000) eligible contestants to visit the contest
website at www.stonetrustinsurance.com during the “Registration Period” to connect
to the Contest registration page. Fully
complete the on-line registration with all required information to enter,
including your name, complete address (including city, state and zip), valid
email address, birth date, phone number (including
area code), agency number and each registrant will designate their own
‘Screen Name’, and must enter their username (email
address) and password. The designated
‘Screen Name’ will be displayed on the ‘Standings Page’ during the
contest. Each registrant’s username
(email address) & password will allow participants to return to the contest
site to Log-in and view their prediction, points and standings.
After having read and
agreed to these Official Rules, click the submit button to submit your on-line
registration. All entries must be fully
complete for all required registration information. Any entry submitted with an invalid email
address will be disqualified. Maximum of
one entry per person or per valid email address. Any contestant submitting more than one entry will void all entries by
that contestant.
Eligible
Entries – Open to the first 25,000 eligible entries received by 12:00pm ET on 3/19/2026: Only
the first (25,000) eligible entries
received from contestants who have successfully completed the bracket
prediction entry will be eligible to participate in the grand prize contest (see below).
Any additional entries after the first (25,000) entries have been
received are ineligible to participate or win any prize, regardless of the
accuracy of their submitted bracket prediction.
Any available opt-in opportunities are not
required to enter the Contest, and checking the opt-in boxes will not improve
your chances of winning.
By participating and submitting an
entry, contestant agrees that sponsors and participating parties are authorized
to contact entrant via email, mail, phone or any other form of media to make
contestant aware of information pertinent to the contest, and to distribute
information regarding the Sponsor(s) featured products, special events or
promotional offers, or purchase incentives.
Contestants may opt-out of any further email communication at any time
by simply replying REMOVE to any email message, or following the provided
opt-out instructions.
Bracket Prediction – Must be completed and submitted by 12:00pm ET on 3/19/2026:
Bracket predictions must be
completed and submitted between:
NOTE – Play-in game byes: The play-in games on 3/17/2026
& 3/18/2026 are byes, and not part of the prediction challenge.
Bracket: Once
the designated 2026 Men’s College Basketball Tournament team selections have
been announced on 3/15/2026 – all registered or newly registering participants
must fully complete the provided Bracket Prediction form on the Edit/Update
Picks page of the contest website.
Tie-Breaker: Each
participant will also be required to submit their prediction of the Total Cumulative Points to be scored in
the Championship Game on 4/6/2026. Any
contestant who failed to complete the Total Cumulative Points ‘tie-break’
prediction will be assigned a point total of 0 cumulative points for the
Championship Game.
Save Picks:
Participants are required to click the ‘Save Picks’ button on the contest website to save their bracket
predictions selections, cumulative score prediction or updates to their
predictions. Any changes or predictions
made without clicking the ‘Save Picks’ will not be saved or recognized for this
contest.
Completed bracket prediction
entries must be received by 12:00pm ET
on 3/19/2026 in order to be eligible to
participate or claim any prize. Any registered participant or contestant
who fails to fully or correctly complete the on-line registration form, or
fully and correctly complete the required Bracket Prediction for all (63) games
in the designated tournament (and Save their picks) will be disqualified from
the contest and will be ineligible to claim any prize (see below). Any bracket
prediction not received by the required deadline for any reason including, but
not limited to transmission error, internet problems, equipment or website
malfunction, internet traffic or errors caused by viruses or hackers will be
disqualified. Sponsor is not responsible
for any delays or difficulty in receipt an eligible contestant’s Bracket
Prediction that prevents participation.
Any incomplete or illegible entries
will be disqualified. Released Parties
are not responsible for lost, late, misdirected, illegible, incomplete,
invalid, unintelligible, damaged, or for entries submitted in a manner that is
not expressly allowed under these rules, or for any
entry not submitted or received due to any technical error or failure,
unauthorized human intervention, inaccurate capture or mis-entry of any
required information, or the failure to capture any such information or effects
of hackers or failure of any electronic equipment, computer or cellular
transmissions and/or network connections; all of which will be disqualified.
Each
participant must submit an entry on his/her own behalf. Any entry submitted on behalf of another
individual or using another person’s email address or name will be disqualified
and ineligible to claim any prize. No
mechanically reproduced or automated entries permitted. Use of any automated system to participate is
prohibited and will result in disqualification and all such entries will be
deemed void.
In
the event of a dispute as to any on-line registration, the authorized account
holder of the e-mail address used to register will be deemed to be the
registrant and he/she must be eligible according to these Official Rules. The “authorized email account holder” is the
natural person assigned an e-mail address by an Internet access provider,
online service provider or other organization responsible for assigning e-mail
addresses for the domain associated with the submitted address. All entries received become the property of
the Sponsor and will not be returned.
Scoring – Bracket
Points: Each eligible participant who has
successfully completed the on-line registration and bracket prediction as
required by these Official Rules will receive the following points for each of
the (63) games for which they have correctly predicted the winning team:
1 point for each
correct pick in Round 1
2 points for each
correct pick in Round 2
4 points for each
correct pick in Round 3
8 points for each
correct pick in Round 4
16 points for
each correct pick in Round 5
32 points for the
correct Champion
Any
incorrect predictions will receive 0 points.
The maximum point total for correctly predicting the winning team in
every game played during the designated Men’s College Basketball Tournament is
192 points. At the completion of the
designated tournament, each eligible contestant bracket prediction received
will be compared to the actual bracket outcome.
Tie Breaking Procedures – Bracket Winner:
In the event of a tie among any point leaders in the Bracket prediction,
the tie-breakers to determine the 1st – 5th
place winners shall be as follows (tie breaker procedures shall not apply for
the $250,000 or $10,000 Prize award levels – see below):
·
Contestant
who has predicted closest to the actual Cumulative
Points total in the Championship game, regardless if the prediction is higher or lower than the actual point
total.
·
In
the event of a remaining tie among any eligible contestants, the tie-breaker shall then be a random drawing conducted by the
Contest Administrator.
Grand Prize Award Requirements – Perfect
Bracket (all 63 games correct): In order for
the grand prize to be awarded, an eligible contestant must have correctly
predicted the winner of all (63) games in the designated 2026 Men’s College
Basketball Tournament, thereby scoring a perfect 63 points. If no
eligible contestant correctly predicted the winner of all 63 games as required
by these Official Rules, then the Grand Prize award will NOT be awarded
in this contest.
·
NOTE: For purposes of clarity, if any game(s) are cancelled,
forfeited, or indefinitely suspended for any reason whereby neither team is
declared a winner or neither team advances to the next round, then no entrant
shall be able to correctly predict the winner of all (63) games in the
designated Men’s College Basketball Tournament, as required to claim the grand
prize. As a result of any such cancellations, forfeits or indefinite game
suspensions, there shall be no (63) game perfect brackets, and no opportunity
to claim the $250,000 cash grand prize, and no grand prize or alternate
substitute prize or compensation will be available for award in the
contest. Any eligible contestant who has correctly predicted every game
played in the tournament as of the date of any such cancellation(s), forfeit(s)
or indefinite suspension(s), but fewer than all scheduled (63) games for any
reason, shall not be awarded and shall have no opportunity to claim the grand
prize.
Bonus Prize Award Requirements – Any (60)
correct games:
In order for the bonus
prize to be awarded, an eligible contestant must have correctly predicted the
winner of (60) or more games in the designated 2026 Men’s College Basketball
Tournament, thereby scoring 60 or more points. If no eligible contestant
correctly predicted the winner of 60 or more games as required by these
official rules, then the Bonus Prize will NOT be awarded.
·
NOTE: For purposes of clarity, if any game(s) are cancelled,
forfeited, or indefinitely suspended for any reason whereby neither team is
declared a winner or neither team advances to the next round, then no entrant may
be able to correctly predict the winner of (60) or more games in the designated
Men’s College Basketball Tournament, as required to claim the bonus
prize. As a result of any such cancellations, forfeits or indefinite game
suspensions where fewer than (60) games are played, there shall be no (60) or
more correct game brackets, and no opportunity to claim the $10,000 bonus
prize, and no bonus prize or alternate substitute prize or compensation will be
available for award in the contest. Any eligible contestant who has
correctly predicted fewer than (60) or more games for any reason, shall not be
awarded and shall have no opportunity to claim the bonus prize.
Prize
Awards: The following prize awards will be available
to eligible contestants participating in the Contest:
Grand Prize – Predict all (63) Games Correctly (“Perfect Bracket”): If any eligible contestant correctly predicts all (63) games in the
designated Men’s College Basketball Tournament, they will be eligible to claim
the grand prize subject to verification of compliance with these official
rules. The grand prize is: $250,000 cash
A
maximum of one (1) grand prize will be awarded. In
the event of multiple winning entries, then the cash value of the grand prize
will be evenly distributed among eligible winning contestants. If no
eligible contestant successfully completes the grand prize
winning requirements, then the grand prize will not be awarded.
Bonus Prize – Predict (60) or more Games Correctly: If any eligible contestant (other than a Grand Prize winner) correctly
predicts (60) or more games in the designated Men’s College Basketball
Tournament, they will be eligible to claim the bonus prize subject to
verification of compliance with these official rules. The bonus prize is: $10,000 Cash
A
maximum of one (1) bonus prize will be awarded. In
the event of multiple winning attempts, then the cash value of the bonus prize
will be evenly split among eligible winning contestants. If no eligible contestant successfully
completes the bonus prize winning requirements, then the bonus prize will not be awarded.
In the event one (1)
or more games in the 2026 Men’s College Basketball Tournament are cancelled for
any reason, and such
cancelled game(s)
result in neither team being designated the winner and neither team advancing
to the next round, the
$250,000 cash prize
and $10,000 cash prize are void, and there will be no opportunity for either of
these prizes to be
awarded.
1st Place Prize – Most Points
(“Bracket Winner”): The eligible contestant who scores the most
points in the bracket challenge, will be eligible to claim the 1st
Place Prize subject to verification of compliance with these official
rules. The 1st Place prize
is: $1,000 Cash.
A
maximum of one (1) 1st Place prize will be awarded. In
the event of multiple contestants are tied for the most points, then the tie
breaking procedures (see above) will
apply for determining the 1st Place winner. Each winner must accept
delivery of prize as specified by Sponsor.
Prize does not include any other costs including but not limited to
taxes.
2nd Place Prize – 2nd
Most Points: The eligible contestant who scores the second
most points in the bracket challenge, will be eligible to claim the 2nd
Place Prize subject to verification of compliance with these official
rules. The 2nd Place prize
is: $500 Cash.
A
maximum of one (1) 2nd Place prize will be awarded. In
the event of multiple contestants are tied for the most points, then the tie
breaking procedures (see above) will
apply for determining the 2nd Place winner. Each winner must accept
delivery of prize as specified by Sponsor.
Prize does not include any other costs including but not limited to
taxes.
3rd Place Prize – 3rd
Most Points: The eligible contestant who scores the third
most points in the bracket challenge, will be eligible to claim the 3rd
Place Prize subject to verification of compliance with these official
rules. The 3rd Place prize
is: $300 Cash.
A
maximum of one (1) 3rd Place prize will be awarded. In
the event of multiple contestants are tied for the most points, then the tie
breaking procedures (see above) will
apply for determining the 3rd Place winner. Each winner must accept
delivery of prize as specified by Sponsor.
Prize does not include any other costs including but not limited to
taxes.
4th Place Prize – 4th
Most Points: The eligible contestant who scores the fourth
most points in the bracket challenge, will be eligible to claim the 4th
Place Prize subject to verification of compliance with these official
rules. The 4th Place prize
is: $200 Cash.
A
maximum of one (1) 4th Place prize will be awarded. In
the event of multiple contestants are tied for the most points, then the tie
breaking procedures (see above) will
apply for determining the 4th Place winner. Each winner must accept
delivery of prize as specified by Sponsor.
Prize does not include any other costs including but not limited to
taxes.
5th Place Prize – 5th
Most Points: The eligible contestant who scores the fifth
most points in the bracket challenge, will be eligible to claim the 5th
Place Prize subject to verification of compliance with these official
rules. The 5th Place prize
is: $100 Cash.
A
maximum of one (1) 5th Place prize will be awarded. In
the event of multiple contestants are tied for the most points, then the tie
breaking procedures (see above) will
apply for determining the 5th Place winner. Each winner must accept
delivery of prize as specified by Sponsor.
Prize does not include any other costs including but not limited to
taxes.
All available prize awards are
non-cumulative. Maximum
of one prize award per participating contestant. All applicable federal,
state and local taxes are the winner’s sole responsibility. All prize awards are non-transferable
and no cash redemption or prize substitution allowed, except at Sponsor’s sole
discretion or as provided herein.
Sponsor reserves the right to substitute a prize of comparable or
greater value, at its sole discretion.
Maximum retail value of all available prizes:
$262,100 Cash.
All of the following will apply for each
prize winner: 1) Winner will be required to complete and return, within 5 days
of date of receipt, a W-9 form (if prize value exceeds $600), an affidavit of
eligibility, and a liability/publicity release (where permitted); 2) Winner
will be required to present a copy of a valid social security card and a valid
driver’s license as a condition of participating or receiving any prize; 3) Winner will be issued an IRS Form 1099 reflecting
the actual value of all prizes won, if prize value exceeds $600; and 4) Winner
will be responsible for paying all applicable taxes (including, but not limited
to all local, state and federal taxes) on all prizes awarded. Failure to collect or properly claim any
prize in accordance with these rules will result in forfeiture of the
prize. If forfeited for any reason,
finalist will not receive any other prize substitution or compensation, and the
prize will remain the property of Sponsor and will not be awarded, except as
provided herein.
All prizes requiring delivery (“Shipped Prize(s)”) will be shipped to
each entrant who is a confirmed winner at the address listed from their on-line
registration. All Shipped Prizes will be
delivered by U.S. Postal Service or common carrier of Sponsor’s choosing, and
Shipped Prizes will be deemed delivered to the winner once a Shipped Prize is
delivered by Sponsor to the U.S. Postal Service or other common carrier of
Sponsor’s choosing. Sponsor will not be
responsible or liable for a late, delayed, lost, stolen, undeliverable or
damaged Shipped Prizes once delivered to the
U.S. Postal Service or other common carrier, for any loss or damages relating
to delivery, use, or misuse of a Shipped
Prize, or for any entrant who incorrectly entered
their actual address during the registration process. Please allow 8-10 weeks for delivery of
Shipped Prizes.
Additional
Rules & Restrictions: By participating in this Contest, entrants
agree to abide by and be bound by the Official Rules and the decisions of the
Sponsor and Administrator, which shall be final in all matters relating to this
Contest. In the event an entrant wins a prize, and is later found to be in violation of these rules
he/she will be required to forfeit the prize or to reimburse Sponsor for the
stated value of the prize if such violation is discovered after winner has used
the prize. Participation in Contest constitutes permission for the Sponsor and
its designees to use entrants’ names, cities and states of residence and/or
likenesses for purposes of advertising and trade in any and
all media now or hereafter known worldwide on perpetuity without
limitation or further compensation, notification or permission, unless
prohibited by law. False, fraudulent or
deceptive entries or acts shall render entrants
ineligible for any prize.
By participating, entrants agree to hold all
Released Parties harmless from any claims, losses, actions, or damages of any
kind, whether actual, incidental or consequential, for injury (including but
not limited to death), damages, losses or expenses arising out of or relating
to entrant’s participation in this Contest, or the acceptance, possession or
use/misuse of any prize, or participation in prize-related activities
(including but not limited to travel or activity related thereto), and to
assume all liability thereof.
Released Parties shall not be liable to
winner or any other person for failure to supply the prize or any part thereof
by reason of any acts of God, Pandemics, Force Majeure, any actions,
regulations, orders, or requests by any governmental entity, equipment failure,
terrorist acts, war, fire, unusually severe weather, embargo, labor dispute or
strike, labor or material shortage, transportation interruption of any kind, or
any other cause beyond Released Parties’ sole control.
Participants are restricted to use of ordinary and typical computer
equipment, mobile phone equipment, Internet access and cellular networks.
Sponsor disclaims all liability for the inability of a participant to complete
or continue an entry due to equipment malfunction, busy lines, inadvertent
disconnections, acts beyond the Sponsor’s control, or otherwise. The Sponsor
disclaims any liability for received entries due to technical difficulties or
transmission errors. The Sponsor disclaims all liability for any delays,
mis-delivery, loss, or failure in the delivery of any item sent by mail,
courier, express, electronic transmission, or other delivery method. Released Parties are not responsible for
mechanical, technical, electronic, communications, telephone, computer,
hardware or software errors, malfunctions or failures of any kind, including:
failed, incomplete, garbled or delayed transmission of online entries, traffic
congestion on telephone lines, the Internet or at any website or lost or
unavailable network connections which may limit an online entrant's ability to
participate in the Contest, and any injury or damage to entrant’s or any other
person’s computer or mobile phone related to or resulting from participating in
or downloading any information necessary to participate in the Contest. Released Parties are not responsible for any
other errors of any kind, whether computer, technical, typographical, printing,
human or otherwise, relating to or in connection with the Contest, including,
without limitations, errors which may occur in connection with the printing or
advertising of this Contest, administration or execution of the Contest, the
cancellation of the game, the processing of entries or in the announcement of
the prizes or prize winners. Sponsor, in
its sole discretion, reserves the right to disqualify any person tampering with
the entry process or the operation of the contest website.
Sponsor
reserves the right to cancel, modify or terminate the Contest for any reason
including in the event the Tournament is postponed, rescheduled, cancelled or
fewer than (63) games will be played for any reason including due to Pandemic,
Force Majeure, acts of God, terrorist acts, war, or if any fraud, misconduct,
technical failures, programming error or other issue destroys or threatens the
integrity of the Contest, in the opinion of the Sponsor/Administrator, or if a
computer virus, bug, or other technical problem corrupts the administration,
security, or proper conduct of the Contest as determined by
Sponsor/Administrator, in their sole discretion. In the event of early
termination of the Contest, the grand prize and bonus prize shall not be
awarded for any reason.
If
due to circumstances beyond the control of the Sponsor, the Tournament or any
game or event associated with this contest is delayed, rescheduled, postponed
or cancelled, Sponsor reserves the right, but not the obligation, to cancel or
modify the contest and shall not be required to award any prize(s).
IN
CASE OF DISPUTES: By participating, each entrant agrees that
(1) any and all disputes, claims, and causes of action arising out of or in
connection with this Promotion, or any prizes awarded, shall be resolved
individually, without resort to any form of class action, and any judicial
proceeding shall take place in a federal or state court within the State of New
Jersey; (2) any and all claims, judgments, and awards shall be limited to
actual out-of-pocket costs incurred, including costs associated with entering
this Promotion, and in no event will entrant be entitled to received attorneys'
fees or other legal costs; and (3) under no circumstances will entrant be
permitted to obtain awards for, and entrant hereby waives all rights to claim,
punitive, incidental, and consequential damages, and any other damages, other
than for actual out-of-pocket expenses, and any and all rights to have damages
multiplied or otherwise increased. All issues and questions concerning the
construction, validity, interpretation and enforceability of these Official
Rules, or the rights and obligations of entrant and Sponsor in connection with
this Promotion, shall be governed by, and construed in accordance with the laws
of the State of New Jersey, without giving effect to any choice of law or
conflict of law rules or provisions (whether of the State of New Jersey or any
other jurisdiction), that would cause the application of the laws of any
jurisdiction other than the State of New Jersey.
Official
Rules & Winners List: For a copy of these Official Rules or the
names of prize winners, send a self-addressed stamped envelope to be received
by 6/6/2026 to: Stonetrust Workers’ Compensation
$250,000 Bracket Challenge, c/o Million Dollar Media, P.O. Box 278, Woodbridge,
NJ 07095. PLEASE SPECIFY which you are requesting:
Official Rules or Winners List.
Sponsor: This Sweepstakes is sponsored by Stonetrust Commercial Insurance Company, 5615 Corporate
Blvd, Suite 700, Baton Rouge, LA 70808.
Administrator: This Sweepstakes is administered by Million
Dollar Media, P.O. Box 278, Woodbridge, NJ
07095.