Eligibility 

1. These terms and conditions include all instructions of how to take part in the FT Prize Draw (“Prize Draw”). By entering into the Prize Draw, participants agree to these terms and conditions and acknowledge that failure to comply with them may result in disqualification. No purchase is necessary to enter.

2. The Prize Draw is open to participants aged 18 years or over at the time of entry. Directors, employees and immediate family members of employees of The Financial Times Limited (“FT”) its associated companies and agencies are not eligible to take part in the Prize Draw.

3. The Prize Draw shall be void where prohibited by local laws or regulations, including where in FT’s reasonable opinion we cannot accept an entry or provide a prize due to sanctions laws or banking restrictions. It is the responsibility of entrants to ensure that they are able to participate in the Prize Draw in compliance with local laws and regulations. To the fullest extent permitted by law, FT is not liable where an entrant has breached local laws and/or regulations in connection with the Prize Draw.

Prize Draw 

4. The Prize Draw commences on 12 April 2023 and closes on the 20 April 2023 at 23.59 BST. Winner will be notifed by Instagram DM on Friday 21 April 2023. Winner will be contacted directly from this account @financialtimeslive.

5. To enter the Prize Draw on Instagram. How to enter? 1. Sign up to the webinar (link in bio) or visit: claerb.live.ft.com and comment REGISTERED on this post (we will check!) 2. Like this post 3. Tag your friends below! The data submitted will be shared with FT. Entry will require internet access. Only one entry per person is permitted.

Prize 

6. The Winner will win a signed Claer Barrett - What They Don't Teach You About Money book. 7. The result of the Prize Draw is final. The Prize is non-transferable, non-refundable and any non-cash elements of the Prize have no cash value if not used.

The Winner will receive the Prize when notified. If the Prize is declined or unclaimed by the Winner, or if the Winner cannot be contacted from the details supplied within 3 business days of notification, a replacement winner may be chosen at the FT’s discretion and will be notified by the FT. The original entry that was chosen will then be forfeited. The Winner is responsible for confirming valid delivery details. FT will not be liable for any failure, delay or inability to contact the Winner.

10. Winners may be required to complete and return an eligibility form stating their age and residency details.

General 

11. FT reserves the right to cancel, suspend or amend the Prize Draw, or any part of it (including these Terms and Conditions) or change the Prize (to one of equivalent or greater value) as required by the circumstances in FT’s sole discretion. FT reserves the right, in its sole discretion, to disqualify any individual who has not complied with the letter or the spirit of these Terms and Conditions. Any failure by FT to enforce any provision in these Terms and Conditions shall not constitute a waiver of that provision. 

12. FT cannot accept responsibility for or liability arising from entrants taking part in the Prize Draw or for taking up (or not taking up) the Prize. FT gives no warranty or guarantee in relation to the Prize and accepts no responsibility or liability for the Prize being amended by FT. To the fullest extent permitted by law, FT excludes liability for all loss, damage or claim arising as a result of the Participant’s entry into the Prize Draw or use of the Prize (save in the case of death or personal injury caused by the negligence of FT).

13. Any personal data which may be submitted in an entry will be processed by FT in accordance with any applicable data protection legislation and the FT Privacy Policy, available at: http://help.ft.com/legal/financial-times-privacy-policy. As set out in the FT Privacy Policy, we may share your personal data with our service providers including, for example, with any third-party supplier of the Prize.

14. By entering the Prize Draw, entrants agree to hold FT harmless for liability, damages or claims for injury or loss to any person or property, relating to, directly or indirectly, participation in this Prize Draw, or claims based on publicity rights, third party intellectual property rights, defamation or invasion of privacy.

15. These terms and conditions shall be governed by and construed in accordance with English law. Disputes arising in connection with this Prize Draw shall be subject to the exclusive jurisdiction of the English courts.

16. The promoter is the Financial Times Ltd, Bracken House, 1 Friday Street, London EC4M 9BT.