7.    Sparxx Max insurance coverage is valid only for 1 year from date of registration. An individual is allowed to register his/her name only once during its one year validity.

8.    Winners will be determined via an electronic raffle draw. Raffle draws will be held at Pioneer House Makati, 108 Paseo de Roxas, Makati City and shall be witnessed by Pioneer Group representatives. Draw dates are as follows:

a. December 1, 2010 - Wednesday - 1 iPad
b. December 3, 2010 - Friday - 1 iPad
c. December 8, 2010 - Wednesday - 1 iPad
d. December 10, 2010 - Friday - 1 iPad
e. December 15, 2010 - Wednesday - 1 iPad
f. December 17, 2010 - Friday - 1 iPad
g. December 21, 2010 - Tuesday - 1 iPad
h. December 23, 2010 - Thursday - 1 iPad
i. December 27, 2010 - Monday - 1 iPad
j. December 29, 2010 - Wednesday - 1 iPad
k. January 5, 2011 - Wednesday - 1 iPad
l. January 7, 2011 - Friday - 1 iPad

9.    One iPad will be given away during each draw.

10.    Winners may win only once during the Sparxx Max Christmas iPad Giveaway.

11.    Non-winning entries will be included in the succeeding raffle draws.

12.    Employees of Pioneer Insurance & Surety Corporation, Pioneer Life Inc., Pioneer Intercontinental Insurance Corporation, Blue Cow Co., Inc., Yehey and their relatives up to 2nd degree of consanguinity are excluded from the promo.

13.    Financial Advisers and dealers of Pioneer Life Inc. and their relatives up to 2nd degree of consanguinity are excluded from the promo.