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NO PURCHASE NECESSARY TO ENTER OR WIN. MAKING A PURCHASE WILL NOT IMPROVE YOUR CHANCES OF WINNING. ALL DISPUTES WILL BE RESOLVED SOLELY BY BINDING ARBITRATION AND ENTRANTS WAIVE THE ABILITY TO BRING CLAIMS IN A CLASS ACTION FORMAT. SWEEPSTAKES ENTRY PERIOD: The Business Insider <keyword id="9883216" type="UNKNOWN" weightage="100" keywordseo="survey-sweepstakes">Survey Sweepstakes</keyword> (the "Sweepstakes") begins at 12:00:01 AM Eastern Time ("ET") on Tuesday, September 8, 2020 and ends at 11:59:59 PM ET on Tuesday, September 22, 2020 (the "Sweepstakes Period"). ELIGIBILITY: The Sweepstakes is open to legal residents of the 50 United States, including the District of Columbia, who are age 18 or older at the time of entry, subscribers of Business Insider as of September 7, 2020. Void in Puerto Rico, Guam, the U.S. Virgin Islands, outside the U.S., and wherever else prohibited by law. Employees of Insider Inc. (the "Sponsor"), US Sweepstakes &amp; Fulfillment Company (the "Sweepstakes Administrator") and their respective subsidiaries, affiliates, advertising and promotion agencies, and the immediate family members (spouses, parents, children, and siblings and their spouses) of, and/or those living in the same household of each, are not eligible to enter. Sweepstakes is subject to all applicable federal, state and local laws and regulations.HOW TO ENTER: To enter participants must receive an email invitation or visit www.businessinsider.com to participate in a survey regarding his/her Business Insider subscription. When visiting the website subscriber must be logged in for the entry form to appear. Participants must click the link in the email to be taken to the survey page, answer required survey questions and submit any additional information as required for entry into the Sweepstakes during the Sweepstakes Period (the "Survey Entry"). The answers to the survey will have no effect on a participant's ability to enter or win. Survey Entries must be received between Tuesday, September 8, 2020 at 12:00:01 AM ET and Tuesday, September 22, 2020 at 11:59:59 PM ET. Entrants are subject to all notices posted online including but not limited to the Sponsor's Privacy Policy, which can be found at <a href="https://www.insider-inc.com/privacy-policy">https://www.insider-inc.com/privacy-policy</a>.Limit: One (1) Entry per person regardless of whether entrant has more than one email address. All entries become the property of the Sponsor and will not be acknowledged or returned.PRIZES/APPROXIMATE RETAIL VALUE ("ARV")/ODDS:Grand Prize: There are fifty (50) Grand Prizes available to be won. Each Grand Prize winner will receive a one (1) $50 Amazon gift card.The ARV of Grand Prize: $50.00 each. The total ARV of all Grand Prizes is: $2,500.00.The total ARV of all prizes available to be won: $2,500.00. There is a limit of one (1) prize per person. Odds of winning will depend upon the total number of eligible entries received.RANDOM DRAWING: The winners will be selected in a random drawing on or about Thursday, September 24, 2020 from among all eligible entries received during the Sweepstakes Period by the Sweepstakes Administrator, an independent representative of the Sponsor whose decisions are final.WINNER NOTIFICATION &amp; VERIFICATION: Potential Grand Prize winners will be notified by email from Sponsor. Prize notification will include instructions on how to redeem the prize. Prize notifications will be sent within 4-6 weeks of random drawing. If a prize notification or prize is returned as undeliverable, or if winner is found to be ineligible or not in compliance with these rules that winner will be disqualified, and the prize may be awarded to an alternate winner in a separate random drawing.PRIZE CONDITIONS: Prizes are not redeemable for cash. Prizes are not assignable nor transferable. No substitution is permitted except if prize is unavailable, in which case a prize of equal or greater value will be awarded. No cash in lieu of prizes and no exchange or substitution of prizes, except at the sole discretion of the Sponsor. Any other incidental expenses on prize not specified herein are the winner's sole responsibility.Winner is responsible for all federal, state, local and income taxes associated with winning prize. Except where prohibited by law, entry and acceptance of prize constitute permission to use winner's name, prize won, hometown, likeness, video tape, photographs, and statements for purposes of advertising, promotion and publicity (including online posting) in any and all media now or hereafter known throughout the world in perpetuity, without additional compensation, notification or permission.Gift cards are not redeemable for cash and will not be replaced if lost or stolen. Gift card usage is subject to the issuing company's complete terms and conditions, including expiration dates.GENERAL: Although subsequent attempts to enter may be received, only the first complete entry received from a particular entrant will be eligible; subsequent attempts by the same person to enter, including entries submitted with an alternate email address, will be disqualified.Participating entrants agree to these Official Rules and the decisions of the Sponsor and the Sweepstakes Administrator, and release the Sponsor, the Sweepstakes Administrator, and their affiliated companies, and all other businesses involved in this Sweepstakes, as well as the employees, officers, directors and agents of each (the "Released Parties"), from all claims and liability relating to their participation in the promotion, and the acceptance and use/misuse of the prize offered. Winner assumes all liability for any injury or damage caused or claimed to be caused, by participation in this Sweepstakes or use/misuse or redemption of the prize. Sponsor is not responsible for any typographical or other error in the printing of the offer, administration of the Sweepstakes or in the announcement of the prize. In the event of a dispute over the identity of an entrant, entry will be deemed submitted by the "Authorized Account Holder" of the e-mail address submitted at time of entry. Authorized Account Holder means the natural person who is assigned to an e-mail address by an Internet access provider, online service provider, or other organization that is responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address. Sponsor may ask any entrant or potential winner to provide Sponsor with proof, to Sponsor's satisfaction, that such party is the authorized account holder of the email address associated with the entry. Entry materials/data that have been tampered with or altered, or mass entries or entries generated by a script, macro or use of automated devices are void. The Released Parties are not responsible for: (i) lost, late, misdirected, damaged or illegible entries; or (ii) error, omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction or unauthorized access to or alterations of entry materials, or for technical, network, telephone equipment, electronic, computer, hardware or software malfunctions of any kind, or inaccurate transmission of or failure to receive entry information by Sponsor on account of technical problems or traffic congestion on the Internet or at any web site or any combination thereof; or (iii) any injury or damage to entrant's or any other person's computer related to or resulting from participating in the Sweepstakes. By participating in the Sweepstakes, you (i) agree to be bound by these official rules, including all eligibility requirements, and (ii) agree to be bound by the decisions of Sponsor and the Sweepstakes Administrator, which are final and binding in all matters relating to the Sweepstakes. Failure to comply with these official rules may result in disqualification from the Sweepstakes. Sponsor reserves the right to: (i) permanently disqualify from any Sweepstakes it sponsors any person it believes has intentionally violated these official rules; and (ii) withdraw a method of entry if it becomes technically corrupted (including if a computer virus or system malfunction inalterably impairs its ability to conduct the Sweepstakes). If for any reason this Sweepstakes is not capable of running as planned due to an infection by a computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of the Sponsor which corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Sweepstakes, the Sponsor reserves the right at its sole discretion, to disqualify any individual who tampers with the entry process, and to cancel, terminate, modify or suspend the Sweepstakes, at which time, Sponsor will conduct a random drawing from among all eligible entries received at the time of the Sweepstakes termination.LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT AN ENTRANT, TO DAMAGE, DESTROY, TAMPER OR VANDALIZE THIS WEB SITE OR INTERFERE WITH THE OPERATION OF THE SWEEPSTAKES, IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND DILIGENTLY PURSUE ALL REMEDIES AGAINST ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.GOVERNING LAW AND LIMITATION OF LIABILITY: All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules or the rights and obligations of entrants, Sponsor or the Released Parties in connection with the Sweepstakes will be governed by and construed in accordance with the internal laws of the State of New York, without giving effect to any choice of law or conflict of law rules or provisions that would cause the application of any other laws.BY ENTERING THE SWEEPSTAKES, ENTRANT AGREES THAT TO THE EXTENT PERMITTED BY APPLICABLE LAW: (A) ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THE SWEEPSTAKES, OR ANY PRIZE AWARDED, WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION; (B) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS WILL BE LIMITED TO ACTUAL THIRD-PARTY, OUT-OF-POCKET COSTS INCURRED (IF ANY) NOT TO EXCEED TEN DOLLARS ($10.00), BUT IN NO EVENT WILL ATTORNEYS' FEES BE AWARDED OR RECOVERABLE; (C) UNDER NO CIRCUMSTANCES WILL ANY ENTRANT BE PERMITTED TO OBTAIN ANY AWARD FOR, AND ENTRANT HEREBY KNOWINGLY AND EXPRESSLY WAIVES ALL RIGHTS TO SEEK, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES, LOST PROFITS AND/OR ANY OTHER DAMAGES, OTHER THAN ACTUAL OUT OF POCKET EXPENSES NOT TO EXCEED TEN DOLLARS ($10.00), AND/OR ANY RIGHTS TO HAVE DAMAGES MULTIPLIED OR OTHERWISE INCREASED; AND (D) ENTRANTS' REMEDIES ARE LIMITED TO A CLAIM FOR MONEY DAMAGES (IF ANY) AND ENTRANT IRREVOCABLY WAIVES ANY RIGHT TO SEEK INJUNCTIVE OR EQUITABLE RELIEF. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY, SO THE ABOVE MAY NOT APPLY TO YOU.DISPUTES: The parties hereto each agree to finally settle all disputes only through arbitration; provided, however, the Released Parties shall be entitled to seek injunctive or equitable relief in the state and federal courts in New York County, New York and any other court with jurisdiction over the parties. In arbitration, there is no judge or jury and review is limited. The arbitrator's decision and award is final and binding, with limited exceptions, and judgment on the award may be entered in any court with jurisdiction. The parties agree that, except as set forth above, any claim, suit, action or proceeding arising out of or relating to this Sweepstakes shall be resolved solely by binding arbitration before a sole arbitrator under the streamlined Arbitration Rules Procedures of JAMS Inc. ("JAMS") or any successor to JAMS. In the event JAMS is unwilling or unable to set a hearing date within fourteen (14) days of the filing of a "Demand for Arbitration", then either party can elect to have the arbitration administered by the American Arbitration Association ("AAA") or any other mutually agreeable arbitration administration service. If an in-person hearing is required, then it will take place in New York County, New York. The federal or state law that applies to these Official Rules will also apply during the arbitration. Disputes will be arbitrated only on an individual basis and will not be consolidated with any other proceedings that involve any claims or controversy of another party, including any class actions; provided, however, if for any reason any court or arbitrator holds that this restriction is unconscionable or unenforceable, then the agreement to arbitrate doesn't apply and the dispute must be brought in a court of competent jurisdiction in New York County, New York. Sponsor agrees to pay the administrative and arbitrator's fees in order to conduct the arbitration (but specifically excluding any travel or other costs of entrant to attend the arbitration hearing). Either party may, notwithstanding this provision, bring qualifying claims in small claims court.PRIVACY: Personal information collected from entrants are subject to the Sponsor's Privacy Policy, which can be found at <a href="https://www.insider-inc.com/privacy-policy">https://www.insider-inc.com/privacy-policy</a>.OFFICIAL RULES REQUEST: To request a copy of the Official Rules, see <a href="http://www.businessinsider.com/business-insider-survey-sweepstakes-official-rules-2020-8">www.businessinsider.com/business-insider-survey-sweepstakes-official-rules-2020-8 </a>or send a self-addressed, stamped envelope by September 24, 2020, to: The Business Insider Survey Sweepstakes Official Rules Request, PO Box 25466, Rochester, NY 14625-0466.WINNER CONFIRMATION REQUEST: For a written confirmation of the winner (available after September 24, 2020), send a stamped, self-addressed envelope (no later than October 22, 2020, to: The Business Insider Survey Sweepstakes Winner Confirmation Request, PO Box 25466, Rochester, NY 14625-0466.SPONSOR: Insider Inc., One Liberty Plaza, 8th Floor, New York, NY 10006.SWEEPSTAKES ADMINISTRATOR: US Sweepstakes &amp; Fulfillment Company, 625 Panorama Trail, Suite 2100, Rochester, NY 14625. 1-800-620-6044 Void outside the US, in Puerto Rico, Guam, the U.S. Virgin Islands and wherever else prohibited by law.

SURVEY SWEEPSTAKES OFFICIAL RULES

NO PURCHASE NECESSARY TO ENTER OR WIN. MAKING A PURCHASE WILL NOT IMPROVE YOUR CHANCES OF WINNING. ALL DISPUTES WILL BE RESOLVED SOLELY BY BINDING ARBITRATION AND ENTRANTS WAIVE THE ABILITY TO BRING CLAIMS IN A CLASS ACTION FORMAT. SWEEPSTAKES ENTRY PERIOD: The Business Insider Prime New Year Sweepstakes (the "Sweepstakes") begins at 12:00:01 AM Eastern Time ("ET") on Monday, December 16, 2019 and ends at 11:59:59 PM ET on Thursday, January 16, 2020 (the "Sweepstakes Period"). ELIGIBILITY: The Sweepstakes is open to legal residents of the 50 United States, including the District of Columbia, who are age 18 or older at the time of entry, subscribers of BI Prime as of December 15, 2019, and receive an email invitation from Sponsor to participate in the Sweepstakes. Void in Puerto Rico, Guam, the U.S. Virgin Islands, outside the U.S., and wherever else prohibited by law. Employees of Insider Inc. (the "Sponsor"), US Sweepstakes &amp; Fulfillment Company (the "Sweepstakes Administrator") and their respective subsidiaries, affiliates, advertising and promotion agencies, and the immediate family members (spouses, parents, children, and siblings and their spouses) of, and/or those living in the same household of each, are not eligible to enter. Sweepstakes is subject to all applicable federal, state and local laws and regulations. HOW TO ENTER: To enter participants must receive an email invitation to participate in a survey regarding his/her BI Prime membership. Participants must click the link in the email to be taken to the survey page, answer required survey questions and submit any additional information as required for entry into the Sweepstakes during the Sweepstakes Period (the "Survey Entry"). The answers to the survey will have no effect on a participant's ability to enter or win. Survey Entries must be received between Monday, December 16, 2019 at 12:00:01 AM ET and Thursday, January 16, 2020 at 11:59:59 PM ET. Entrants are subject to all notices posted online including but not limited to the Sponsor's Privacy Policy, which can be found at <a href="https://www.insider-inc.com/privacy-policy">https://www.insider-inc.com/privacy-policy</a>. Limit: One (1) Entry per person regardless of whether entrant has more than one email address. All entries become the property of the Sponsor and will not be acknowledged or returned. PRIZES/APPROXIMATE RETAIL VALUE ("ARV")/ODDS: Grand Prize: There are fifty (50) Grand Prizes available to be won. Each Grand Prize winner will receive a one (1) year BI Prime membership.The ARV of Grand Prize: $99.00 each. The total ARV of all Grand Prizes is: $4,950.00. The total ARV of all prizes available to be won: $4,950.00. There is a limit of one (1) prize per person. Odds of winning will depend upon the total number of eligible entries received.RANDOM DRAWING: The winners will be selected in a random drawing on or about Monday, January 20, 2020 from among all eligible entries received during the Sweepstakes Period by the Sweepstakes Administrator, an independent representative of the Sponsor whose decisions are final.WINNER NOTIFICATION &amp; VERIFICATION: Potential Grand Prize winners will be notified by email from Sponsor. Prize notification will include instructions on how to redeem the prize. Prize notifications will be sent within 4-6 weeks of random drawing. If a prize notification or prize is returned as undeliverable, or if winner is found to be ineligible or not in compliance with these rules that winner will be disqualified, and the prize may be awarded to an alternate winner in a separate random drawing. Only two (2) alternate winners may be determined through this process, after which the prize may remain un-awarded.PRIZE CONDITIONS: Prizes are not redeemable for cash. Prizes are not assignable nor transferable. No substitution is permitted except if prize is unavailable, in which case a prize of equal or greater value will be awarded. No cash in lieu of prizes and no exchange or substitution of prizes, except at the sole discretion of the Sponsor. Any other incidental expenses on prize not specified herein are the winner's sole responsibility.Winner is responsible for all federal, state, local and income taxes associated with winning prize. Except where prohibited by law, entry and acceptance of prize constitute permission to use winner's name, prize won, hometown, likeness, video tape, photographs, and statements for purposes of advertising, promotion and publicity (including online posting) in any and all media now or hereafter known throughout the world in perpetuity, without additional compensation, notification or permission.GENERAL: Although subsequent attempts to enter may be received, only the first complete entry received from a particular entrant will be eligible; subsequent attempts by the same person to enter, including entries submitted with an alternate email address, will be disqualified.Participating entrants agree to these Official Rules and the decisions of the Sponsor and the Sweepstakes Administrator, and release the Sponsor, the Sweepstakes Administrator, and their affiliated companies, and all other businesses involved in this Sweepstakes, as well as the employees, officers, directors and agents of each (the "Released Parties"), from all claims and liability relating to their participation in the promotion, and the acceptance and use/misuse of the prize offered. Winner assumes all liability for any injury or damage caused or claimed to be caused, by participation in this Sweepstakes or use/misuse or redemption of the prize. Sponsor is not responsible for any typographical or other error in the printing of the offer, administration of the Sweepstakes or in the announcement of the prize. In the event of a dispute over the identity of an entrant, entry will be deemed submitted by the "Authorized Account Holder" of the e-mail address submitted at time of entry. Authorized Account Holder means the natural person who is assigned to an e-mail address by an Internet access provider, online service provider, or other organization that is responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address. Sponsor may ask any entrant or potential winner to provide Sponsor with proof, to Sponsor's satisfaction, that such party is the authorized account holder of the email address associated with the entry. Entry materials/data that have been tampered with or altered, or mass entries or entries generated by a script, macro or use of automated devices are void. The Released Parties are not responsible for: (i) lost, late, misdirected, damaged or illegible entries; or (ii) error, omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction or unauthorized access to or alterations of entry materials, or for technical, network, telephone equipment, electronic, computer, hardware or software malfunctions of any kind, or inaccurate transmission of or failure to receive entry information by Sponsor on account of technical problems or traffic congestion on the Internet or at any web site or any combination thereof; or (iii) any injury or damage to entrant's or any other person's computer related to or resulting from participating in the Sweepstakes. By participating in the Sweepstakes, you (i) agree to be bound by these official rules, including all eligibility requirements, and (ii) agree to be bound by the decisions of Sponsor and the Sweepstakes Administrator, which are final and binding in all matters relating to the Sweepstakes. Failure to comply with these official rules may result in disqualification from the Sweepstakes. Sponsor reserves the right to: (i) permanently disqualify from any Sweepstakes it sponsors any person it believes has intentionally violated these official rules; and (ii) withdraw a method of entry if it becomes technically corrupted (including if a computer virus or system malfunction inalterably impairs its ability to conduct the Sweepstakes). If for any reason this Sweepstakes is not capable of running as planned due to an infection by a computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of the Sponsor which corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Sweepstakes, the Sponsor reserves the right at its sole discretion, to disqualify any individual who tampers with the entry process, and to cancel, terminate, modify or suspend the Sweepstakes, at which time, Sponsor will conduct a random drawing from among all eligible entries received at the time of the Sweepstakes termination.LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT AN ENTRANT, TO DAMAGE, DESTROY, TAMPER OR VANDALIZE THIS WEB SITE OR INTERFERE WITH THE OPERATION OF THE SWEEPSTAKES, IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND DILIGENTLY PURSUE ALL REMEDIES AGAINST ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.GOVERNING LAW AND LIMITATION OF LIABILITY: All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules or the rights and obligations of entrants, Sponsor or the Released Parties in connection with the Sweepstakes will be governed by and construed in accordance with the internal laws of the State of New York, without giving effect to any choice of law or conflict of law rules or provisions that would cause the application of any other laws.BY ENTERING THE SWEEPSTAKES, ENTRANT AGREES THAT TO THE EXTENT PERMITTED BY APPLICABLE LAW: (A) ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THE SWEEPSTAKES, OR ANY PRIZE AWARDED, WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION; (B) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS WILL BE LIMITED TO ACTUAL THIRD-PARTY, OUT-OF-POCKET COSTS INCURRED (IF ANY) NOT TO EXCEED TEN DOLLARS ($10.00), BUT IN NO EVENT WILL ATTORNEYS' FEES BE AWARDED OR RECOVERABLE; (C) UNDER NO CIRCUMSTANCES WILL ANY ENTRANT BE PERMITTED TO OBTAIN ANY AWARD FOR, AND ENTRANT HEREBY KNOWINGLY AND EXPRESSLY WAIVES ALL RIGHTS TO SEEK, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES, LOST PROFITS AND/OR ANY OTHER DAMAGES, OTHER THAN ACTUAL OUT OF POCKET EXPENSES NOT TO EXCEED TEN DOLLARS ($10.00), AND/OR ANY RIGHTS TO HAVE DAMAGES MULTIPLIED OR OTHERWISE INCREASED; AND (D) ENTRANTS' REMEDIES ARE LIMITED TO A CLAIM FOR MONEY DAMAGES (IF ANY) AND ENTRANT IRREVOCABLY WAIVES ANY RIGHT TO SEEK INJUNCTIVE OR EQUITABLE RELIEF. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY, SO THE ABOVE MAY NOT APPLY TO YOU.DISPUTES: The parties hereto each agree to finally settle all disputes only through arbitration; provided, however, the Released Parties shall be entitled to seek injunctive or equitable relief in the state and federal courts in New York County, New York and any other court with jurisdiction over the parties. In arbitration, there is no judge or jury and review is limited. The arbitrator's decision and award is final and binding, with limited exceptions, and judgment on the award may be entered in any court with jurisdiction. The parties agree that, except as set forth above, any claim, suit, action or proceeding arising out of or relating to this Sweepstakes shall be resolved solely by binding arbitration before a sole arbitrator under the streamlined Arbitration Rules Procedures of JAMS Inc. ("JAMS") or any successor to JAMS. In the event JAMS is unwilling or unable to set a hearing date within fourteen (14) days of the filing of a "Demand for Arbitration", then either party can elect to have the arbitration administered by the American Arbitration Association ("AAA") or any other mutually agreeable arbitration administration service. If an in-person hearing is required, then it will take place in New York County, New York. The federal or state law that applies to these Official Rules will also apply during the arbitration. Disputes will be arbitrated only on an individual basis and will not be consolidated with any other proceedings that involve any claims or controversy of another party, including any class actions; provided, however, if for any reason any court or arbitrator holds that this restriction is unconscionable or unenforceable, then the agreement to arbitrate doesn't apply and the dispute must be brought in a court of competent jurisdiction in New York County, New York. Sponsor agrees to pay the administrative and arbitrator's fees in order to conduct the arbitration (but specifically excluding any travel or other costs of entrant to attend the arbitration hearing). Either party may, notwithstanding this provision, bring qualifying claims in small claims court.PRIVACY: Personal information collected from entrants are subject to the Sponsor's Privacy Policy, which can be found at <a href="https://www.insider-inc.com/privacy-policy">https://www.insider-inc.com/privacy-policy</a>.OFFICIAL RULES REQUEST: To request a copy of the Official Rules, see <a href="http://www.businessinsider.com/subscription/sweepstakes-terms">http://www.businessinsider.com/subscription/sweepstakes-terms</a> or send a self-addressed, stamped envelope by January 20, 2020, to: The Business Insider Prime New Year Sweepstakes Official Rules Request, PO Box 25466, Rochester, NY 14625-0466.WINNER CONFIRMATION REQUEST: For a written confirmation of the winner (available after January 20, 2020), send a stamped, self-addressed envelope (no later than February 17,2020, to: The Business Insider Prime New Year Sweepstakes Winner Confirmation Request, PO Box 25466, Rochester, NY 14625-0466.SPONSOR: Insider Inc., One Liberty Plaza, 8th Floor, New York, NY 10006. SWEEPSTAKES ADMINISTRATOR: US Sweepstakes &amp; Fulfillment Company, 625 Panorama Trail, Suite 2100, Rochester, NY 14625. 1-800-620-6044 Void outside the US, in Puerto Rico, Guam, the U.S. Virgin Islands and wherever else prohibited by law.

Official Rules: Business Insider Prime New Year Sweepstakes

<ul class="summary-list"><li>Fantasy sports, betting, and sweepstakes games have become widespread on college campuses.</li><li>Some college students say it can keep friendships together, no matter the age or state barriers.</li></ul>Marcus didn't always care about tennis. The 19-year-old mainly followed soccer and the NFL before he started putting money down on sports.Since he's too young to bet on apps like FanDuel and DraftKings, which require you to be 21 in most states, Marcus uses Fliff.The app looks a lot like a sportsbook but isn't technically considered sports betting because it's modeled after sweepstakes. People can play for free or by purchasing virtual currency, and the prizes can be cashed in for real dollars. It's legal for anybody ages 18 years or older in most US states, including Virginia, where Marcus goes to school.Marcus racked up about $6,000 in debt by purchasing virtual currency on Fliff. But this summer, a betting strategy on doubles tennis matches hit nearly every time and pulled him out of the negative. Marcus has now made more than $32,000 on the platform after pouring in $11,000 of his own money, according to records viewed by Business Insider.He brought his buddies in on it, too — Marcus said they'd all wake up at 4 or 5 a.m. to catch the tennis matches and had planned to use their earnings for a trip to Cancún, Mexico. He said sports gaming's ability to create and deepen friendships is one of the main reasons he does it."Sports betting, oddly enough, has kept my friendships alive," Marcus said.Marcus isn't alone in that feeling.Noah, a 19-year-old who goes to college in Illinois, uses sports betting to keep up with his friends from high school."With some of my home friends, it's a great way to be communicating throughout the week," Noah said. "I'll just be like, 'Oh, what are your thoughts on this Falcons bet?'"The expansion of legal sports betting in the US has fueled a widespread culture of gambling on college campuses, as savvy students find betting alternatives and workarounds for age limits and state restrictions. Research has shown that <a target="_blank" href="https://www.americangaming.org/wp-content/uploads/2019/03/Consumer-Research-One-Pager.pdf">online sports bettors skew young and male</a>. A May <a target="_blank" href="https://pro.morningconsult.com/analysis/sports-betting-demographics">Morning Consult survey</a> found that 70% of people who had placed a bet in the previous month were men and that, while only 10% were Gen Z adults, the next youngest demographic, millennials, were the most common bettors.Many sports-loving college students like Marcus and Noah casually use fantasy gaming, sweepstakes, and betting to make and maintain friendships. Sports gaming's role as the glue of many college male friendships has made these young men more susceptible to developing harmful gambling habits, some students and experts told BI."These people are having their first chances at a little bit of financial independence," said 22-year-old Andrew, who goes to school in Virginia and bets on sports through apps including DraftKings and ESPN Bet. "It's definitely a little bit dangerous, and I hope everyone that's using it is educating themselves."BI spoke with seven college students and three researchers to learn more about what sports betting looks like on campuses. The students' names have been replaced with pseudonyms to protect their identities given the sensitivities around gambling.Some experts have seen college students develop such severe gambling habits that they've had to seek treatment with professionals like UCLA's Dr. Timothy Fong, a clinical professor of psychiatry who runs the university's gambling studies program."Prior to 2018, we were not seeing a lot of young people at all coming to treatment," Dr. Fong said, referring to the year the Supreme Court struck down a federal ban against sports betting, paving the way for more states to regulate it. "Now, five years of experience of sports betting becoming mainstream and this is not what we're seeing."<h2>A culture of sports betting sustains friendships</h2>Since the expansion of legalization, sports betting and gaming have exploded on college campuses largely through word of mouth. In the same way that students share new music and study guides, they pass around sports picks and advice in group chats. It's something to talk about with new friends and a way to keep old ones.Some of the students BI spoke with said they placed bets by themselves when they were bored, but many said wagering went hand-in-hand with talking to their friends about it."Honestly, I'd feel kind of like a degenerate if I just did it by myself," said 21-year-old Miles, who goes to college in Illinois.He started sports betting when he was underage through an illegal bookie, an older fraternity brother who placed bets for Miles online and who he paid through Venmo. He said sports betting has "definitely affected" his mental health in the past."It becomes a normal embedded part of the culture and that has huge implications," Dr. Fong said. "We've allowed it, but have we then kept up with educating that generation about what this activity really is?"Noah, the 19-year-old attending college in Illinois, kept hearing about gambling on his favorite sports podcasts and from a close friend. About two years ago, he made a DraftKings account under his mom's name, which he still uses today. Even before that, he and his high school friends started a spreadsheet to predict the outcomes of games, and he uses their system of picks to stay in touch while they attend different colleges, he said."It's a really easy pathway into a conversation with my home friends who I miss," Noah said.Chris, 22, hasn't put money on a game since Super Bowl Sunday. He used to play daily fantasy with his friends on Underdog and FanDuel — sports betting isn't legal in Minnesota, where he goes to college. But he quit cold turkey after realizing he wasn't usually winning back the $10 or $15 he'd put on each game."I was like, 'Oh, that's just the cost of hanging with friends,'" Chris said. "But then it kind of clicked on me."<h2>How college students bypass age and state restrictions on sports betting</h2>While regulators and others in the industry have set up restrictions to protect young people from gambling, many are finding ways around them. Bookies, VPNs, and offshore apps like Bovada are common, the students and researchers told BI, and daily fantasy and sweepstakes are legal alternatives for young people to put money down on sports.While most states say you have to be 21 years old or older to place a bet, daily fantasy and sweepstakes are allowed in most markets for anyone 18 or up.Fliff, the app Marcus uses, offers free-to-play sweepstakes games, permitting it to operate in places where sports betting isn't legal. But the app also allows users to make predictions on games and earn real money for it, appearing to users like other sportsbooks with options to pick the moneyline, spread, and player props, or build parlays.Marcus said, to him, the app feels like sports betting.Fliff said in a statement to BI that it "imposes daily, weekly, and monthly purchase limitations," including restricting users who are 18 from making purchases and limiting purchases by users ages 19 and older based on their age brackets, though it did not say what the limits were.Another sports betting alternative, daily fantasy, allows users to set and compete for money on their own team lineups. Students who go to school in Minnesota and California, where sports betting isn't legal, told BI they and their friends had used apps including PrizePicks, Underdog, and FanDuel to put money down on daily fantasy games, which offer real cash prizes.Lawmakers are still going back and forth about whether the latest wave of daily fantasy offerings, pick'em style games popularized by companies including Underdog and PrizePicks, should be considered sports betting. These games are similar to building parlays in that users need to accurately predict numerous player outcomes in order to win, and have drawn scrutiny from regulators in states including New York, Florida, Maine, and Michigan.Recently, Maryland lawmakers shut down in December DraftKings' pick'em version, saying it can't be considered daily fantasy, which would be available to people 18 and up."Because fantasy contests require multiple customers competing against each other, a gambling arrangement that involves customers betting on athletes' performance metrics against an operator's established baseline, and not other contest participants, constitutes sports betting," as defined by state law, Virginia Attorney General Jason Miyares wrote in December.Some college students in states where gambling isn't legal said friends also head to local Native American tribal casinos, which states like California and Florida permit to offer sports betting, or they drive across state lines to place bets.Many of these students said they didn't see these strategies as workarounds, or see betting as a bad thing. Putting money on a game is so common in their friend groups and the wider sports community that they want to be a part of the culture in whichever way they can.Still, the prevalence and addictive nature of sports betting, coupled with tech-savvy college kids, has created a desire to find both legal and illegal loopholes, researchers say."The technological world that this generation is so comfortable with," Dr. Fong said, "they use it to their advantage to access gambling opportunities, both legal and unregulated."<h2>Young sports lovers are at risk of developing gambling habits, and many don't understand how to bet responsibly</h2>Researchers and students alike are aware of how the prevalence of sports betting as a social connector on college campuses is developing gambling habits in more young people — and that no one is teaching them how to avoid potential risks.Many of these companies also push low-risk promotions that can get users hooked.When <a target="_blank" href="https://www.businessinsider.com/espn-bet-exec-mike-morrison-penn-entertainment-sportsbook-2023-11">ESPN Bet</a> launched in November, users earned a free $100 after placing their first bet or were matched on a $1,000 deposit. To continue promotion in early 2022 after launching in New York, the Caesars Sportsbook offered a $300 sign-up bonus and a deposit match up to $3,000.Marcus used Fliff's in-app promotions to help pull himself out of debt. Fliff gives users with under $5 of Fliff Cash in their account a free dollar every day, and $0.10 every two hours. The promotion can incentivize both casual and unsuccessful bettors to keep using the app."I thought if I'm not putting in any money of my own, there's not really any risk," Marcus said.It's not just the social aspect and low-risk promotions that can spark gambling habits, it's also the continual opportunity to make in-game bets, according to Jeffrey Derevensky, the director of McGill University's center focused on youth gambling research. He said live-betting and prop bets entice impulsive young men who believe they know everything about sports but haven't been taught about the risks associated with gambling. Plus, this demographic is less likely to call a helpline because they don't believe they have a problem, he said."It's the 18- to 25-year-olds that are at the greatest risk for gambling problems," Derevensky said. "We talk about teaching young people about unprotected sex. We talk about drugs, we talk about smoking, but very few places actually have gambling-prevention programs where we're trying to encourage people, if they're going to gamble, to gamble responsibly."In extreme cases, Derevensky and Dr. Fong said they had seen young people who had taken out predatory loans, stolen from their families, ran up their parents' credit cards, dropped out of school, and even shoplifted and resold expensive liquor to get cash to bet on sports.While operators have pulled back on <a target="_blank" href="https://www.nytimes.com/2022/11/20/business/caesars-sports-betting-universities-colleges.html">partnering with universities</a> to market to young people after regulatory pushback, some students said they still feel their generation is being targeted by sports betting operators, especially through social-media advertising and sponsored influencers. That sentiment was shared by the researchers.The students said they were concerned about how commonplace the topic has become on big outlets like ESPN."I am very, very, very anxious about how much the sports broadcasting and sports publications are covering sports gambling," said Chris, the student who stopped sports betting last year.With so much money flying around the sports industry, gambling is still very much in "the primitive stage, not as regulated as it should be, and a lot of people are susceptible to that message," he said.Students and researchers were also concerned about student-athletes who place bets. Several Iowa and Iowa State student-athletes faced <a target="_blank" href="https://www.cbssports.com/college-football/news/iowa-state-starting-rb-jirehl-brock-among-latest-college-football-players-charged-in-gambling-probe/">charges</a> in the summer that alleged the students hid their identities to place bets, including on their own games. Athlete betting jeopardizes the integrity of competition, but college athletes are also students prone to make mistakes, said Andrew, attending school in Virginia."While there is responsible use of it, I think there are a lot of concerns and a lot of policies that still need to be carved out," Andrew said.

Sports betting is taking over college campuses. Young bettors say it holds friendships together but can create dangerous habits.

<ul class="summary-list"><li><keyword id="13765801" type="UNKNOWN" weightage="60" keywordseo="tropicana" source="Orion">Tropicana</keyword> has introduced a limited-edition <keyword id="12337640" type="UNKNOWN" weightage="60" keywordseo="cereal" source="Orion">cereal</keyword> that is designed to be eaten with <keyword id="13765802" type="UNKNOWN" weightage="60" keywordseo="orange-juice" source="Orion">orange juice</keyword>. </li><li>The drinks company said a survey showed that 15 million people enjoyed the flavor combination.</li></ul>Tropicana has launched a <a href="https://tropicanacrunch.com/">new cereal</a> specifically designed to have orange juice mixed into it.The unique product will be available to purchase on May 4, 2022, to commemorate National Orange Juice Day, per a company press release. "Because whether you hate it or love it, you won't know until you try it," the press release said. The cereal, named Tropical Crunch, includes honey almond clusters that are made to be "drowned in OJ (orange juice)." According to the company, it is the first cereal of its kind. Tropicana did not immediately respond to Insider's request for comment made outside of normal working hours."Orange juice on cereal. Some call it weird. Some call it breakfast. We . . . didn't even know it was a thing," Tropicana said. It added, however, that according to a recent survey, 15 million Americans eat cereal with orange juice poured over it instead of milk. Following the announcement, people took to Twitter to express their excitement, while others disapproved of the new product. "Ohhh I can't wait. <a href="https://twitter.com/hashtag/TropicanaCrunch?src=hashtag_click">#TropicanaCrunch</a> sounds awesome," <a href="https://twitter.com/EarthboundKevin/status/1519280611499851776">one user said</a>. His comments were followed by another who <a href="https://twitter.com/JacobBilleaud89/status/1519711781962326016">wrote</a>: "I can't think of anything less healthy than sugar, poured on top of Carbs."This is not the first limited-edition product Tropicana has launched in recent years. Last year, Tropicana introduced a <a href="https://www.instagram.com/p/CV0NgTNl_wV/">limited-edition toothpaste</a> as a prize for customers who entered a sweepstake. It was designed to combat the unpalatable flavors people experience when drinking orange juice after brushing their teeth. <a href="https://twitter.com/JacobBilleaud89/status/1519711781962326016"></a>"Tropicana Toothpaste is different from other toothpaste because it was specifically designed to protect the delicious taste of orange juice," the company <a href="https://www.foodandwine.com/news/tropicana-orange-juice-toothpaste-taste">told Food &amp; Wine at the time</a>.

Tropicana creates limited-edition cereal designed to be eaten with orange juice poured over it instead of milk

<div class="KonaFilter image-container display-table"><div><div class="image on-image"><a href="https://www.facebook.com/pg/AmazonFashion/photos/?ref=page_internal">Facebook/AmazonFashion</a>Amazon Fashion is poised to capture even more of America's apparel dollars.</div></div></div><ul><li><a href="http://markets.businessinsider.com/stock/AMZN-Quote">Amazon</a> does not have any kind of socioeconomic stigma around shopping on the website.</li><li>This enables it to attracts customers across the economic spectrum.</li><li>This is an "underappreciated factor" for selling certain goods, especially clothing and fashion items.</li></ul> Amazon's reputation is one of its strongest attributes - and that could represent trouble for the competition.According to research by brokerage firm Instinet, Amazon has an "increasingly universal audience," and can attract customers from across the socioeconomic spectrum. There's no "stigma" attached to shopping Amazon like there would be from shopping at a discount retailer.That advantage is most important for selling things like clothes, which people treat as more personal and are pickier about where they shop for it from. According to Instinet, that means as Amazon grows its apparel offerings, it can grow them in any direction. It also has a lot more flexibility and can steal sales from other retailers up and down the scale.This advantage is unique among its most powerful competitors. Instinet notes that means Amazon will have a broader appeal than giants like Walmart and Macy's.Amazon's advantage bears out in other research as well. In <a href="http://www.businessinsider.com/amazon-fashion-growing-popularity-2017-10">a survey by Morgan Stanley's Alphawise </a>earlier this year, Amazon had a 61% positive customer sentiment score, which means that surveyed consumers saw the brand as being "really on the way up" or "somewhat on the way up." That's an increase of 14%.As Amazon grows its apparel business, it will need to leverage this advantage against its still-formidable competitors. Currently, Amazon sells more clothing that are considered essentials, like socks and underwear, than other items. It's building up its other offerings through <a href="http://www.businessinsider.com/why-nike-is-selling-on-amazon-2017-6">partnerships with companies like Nike</a>. Amazon has also been ramping up its development of private brands. One of its latest is a sportswear brand, which will <a href="http://www.businessinsider.com/amazon-developing-sportswear-brand-2017-10">reportedly be made</a> by the same company that manufactures apparel for performance brands like Lululemon and Nike.Amazon is expected to pass Macy's as the US' largest apparel seller this year, according to a Cowen &amp; Co. note to investors <a href="http://www.businessinsider.com/amazon-is-radically-changing-how-we-shop-for-clothing-2017-6">from earlier this year</a>. Its clothing and accessory sales are expected to grow nearly 30% next year, to $28 billion. Currently, Amazon claims only 6.6% of the apparel market, but that is expected to increase to 16.2% in the next five years. <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/amazons-new-headquarters-announcement-very-smart-move-2017-10">Why Amazon's new headquarters sweepstakes makes it the 'smartest company in the world'</a></h3> <div> </div> </div>

Amazon has a secret weapon to get inside America's closets - and Walmart and Macy's should be terrified

<div class="KonaFilter image-container display-table"><div><div class="image on-image">AP/Ted S. WarreAmazon Prime flew to new heights this holiday.</div></div></div><ul><li><a href="http://markets.businessinsider.com/stock/AMZN-Quote">Amazon</a> saw new Prime subscribers sign ups and sales both balloon this holiday season.</li><li>This was likely due to the non-stop new benefits Amazon keeps rolling out.</li><li>Convenience is one of the major reasons customers subscribe to Prime, and Amazon rolled out many attractive benefits to holiday shoppers.</li></ul> Amazon's Prime holiday was optimum.The company added millions of Prime subscribers during the holiday - four million in just a week, according to a company release. That makes a grand total of 88 million subscribers, according to an estimate by GBH Insights. New and old subscribers spent 22% more than they spent last year, according to a survey done by GBH Insights. That's on top of the gulf that already exists between the spending Prime members do on Amazon and how much other customers spend. That makes Prime membership Amazon's "golden jewel" according to GBH, even as <a href="http://www.businessinsider.com/amazon-prime-memberships-have-stopped-growing-morgan-stanley-says-2017-12">other analysts claim</a> Prime membership growth has slowed in 2017.Amazon took about 50% of all holiday sales online. That's up from 38% last year, GBH says, and it means the 18% online sales increase estimated this holiday is good news mostly just for one company.Amazon's Prime members likely shopped more on the website due to its ever-increasing benefits. Conveniences like expanded one-day and same-day shipping, as well as two-hour Prime Now delivery, enticed members both new and old. Use of these services doubled this holiday,<a href="http://www.businessinsider.com/last-minute-shoppers-flocked-to-amazon-this-holiday-2017-12"> according to the company</a>.<div id="categorypromo" style="border:1px solid silver; min-height:90px; padding:10px;vertical-align:top;"><a href="http://read.bi/retail-2018"></a>EXCLUSIVE FREE SLIDE DECK: The Future of <keyword id="6354851" type="ORGANIZATION" weightage="100" keywordseo="Retail">Retail</keyword> 2018 by the BI Intelligence Research Team. <a href="http://read.bi/retail-2018">Get the Slide Deck Now »</a></div> <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/amazons-new-headquarters-announcement-very-smart-move-2017-10">Why Amazon's new headquarters sweepstakes makes it the 'smartest company in the world'</a></h3> <div> </div> </div>

Amazon's 'golden jewel' had an incredible holiday

<div class="KonaFilter image-container display-table"><div><div class="image on-image">Sascha Schuermann / Stringer / Getty Images</div></div></div><ul><li>Nvidia is set to report third-quarter earnings on Thursday after the bell.</li><li>Users of the Robinhood stock trading app are buying shares of the stock 30% more than they are selling them.</li><li>Wall Street analysts mostly agree with the millennials and are bullish ahead of earnings.</li><li><a href="http://markets.businessinsider.com/stock/nvda-Quote">Watch Nvidia's stock price move in real time</a>.</li></ul> <a href="http://markets.businessinsider.com/stock/nvda-Quote">Nvidia</a> is set to report its third-quarter earnings after the bell on Thursday, and millennial investors are flocking to the stock in anticipation.Users of the stock trading app <a href="http://www.robinhood.com">Robinhood</a>, which is popular with millennials, have been buying shares of Nvidia 30% more often then they have been selling them, according to Arpan Shah, a data engineer at Robinhood. Ahead of last quarter, users were buying equally as often as they were selling."Investors are a lot more bullish this time," Shah said.In California, where Silicon Valley and a lot of Nvidia's biggest data center customers are located, the ratio of buying to selling is even higher. Users are increasing their positions 60% more than they are decreasing them, Shah said. In the rest of the US, excluding California, traders are only buying 20% more than they are selling.Nvidia is one of the more popular stocks on Robinhood, <a href="http://www.businessinsider.com/millennial-investors-top-15-stocks-on-robinhood-2017-6/?utm_source=markets&amp;utm_medium=ingest#amazon-1">ranking number 10 in terms of users who have a position in the company</a>. AMD, one of Nvidia's biggest competitors, is the second most-held stock on Robinhood.AMD reported earnings last month and beat Wall Street's estimates for both revenue and earnings. <a href="http://markets.businessinsider.com/news/stocks/amd-earnings-stock-price-q3-results-2017-10-1005485288">The company lowered its guidance for the following quarter, though</a>, and the stock tanked after the report. Robinhood users were buying the stock 20% more than they were selling ahead of AMD's earnings.Wall Street is expecting Nvidia to report adjusted earnings of $1.07 per share, on revenue of $2.362 billion. Analysts on Wall Street are mostly bullish ahead of the company's report. 19 of the 36 analysts surveyed by Bloomberg rate the company a "buy", while just four rate the company a "sell".Nvidia has risen 99.09% this year.<h2><a href="http://markets.businessinsider.com/news/stocks/amd-earnings-stock-price-q3-results-2017-10-1005485288">Read more about AMD's earnings results.</a></h2><div class="KonaFilter image-container display-table"><div><div class="image on-image"><a href="http://markets.businessinsider.com/stock/nvda-Quote"></a><a href="http://markets.businessinsider.com/stock/nvda-Quote">Markets Insider</a></div></div></div>Get the latest Nvidia stock price<a href="http://markets.businessinsider.com/stock/NVDA-Quote"> here &gt;&gt;</a> <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/amazons-new-headquarters-announcement-very-smart-move-2017-10">Why Amazon's new headquarters sweepstakes makes it the 'smartest company in the world'</a></h3> <div> </div> </div>

Millennials are loving Nvidia ahead of its earnings report

<div class="KonaFilter image-container display-table"><div><div class="image on-image">Stockphoto</div></div></div><ul><li>GDPR, a monster European consumer privacy regulation designed to protect people's web data, is coming soon. And many big marketers aren't ready, say ad experts.</li><li>While some data-versed marketers are investing to make sure they are compliant with the law, others seem paralyzed or over confident.</li><li>The law's implications are often seen as a bigger challenge for ad tech firms or publishers. </li><li>When it comes to using data for digital marketing, "no one's fine," said one high ranking ad executive.</li></ul><a href="https://gdpr-info.eu/">GDPR</a> is coming, and many big brands are treating it the same way college kids treat finals: I'll cram the night before.Some are even acting as if the looming European consumer privacy law called General Data Protection Regulation (GDPR) doesn't even really apply to them. Regardless, GDRP goes into effect on May 25. And digital ad experts say that among marketers, the level of preparedness is all over the map.Some are taking every precaution to make sure they've got all the permissions they need from consumers to use their data for marketing purposes, according to ad executives versed in GDRP's impact. And they're also taking measures to make sure it's easy for consumers to opt out of data collection.But according to experts, a good number of marketers are either frozen like deers in headlights, putting off dealing with GDPR until the last minute, or simply feeling too confident, seeing the law somebody else's problem (think publishers or ad tech firms).This seems particularly true among marketers who collect "first party data" from consumers, such as brands who sell items to consumers and gather basic information like people's shipping address to marketers who collect info from people whenever they mail someone a prize or a sample for participating in a survey or promotional sweepstakes.<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image">CrownpeakAdrian Newby, CTO Crownpeak</div></div></div>"We meet with executive teams [at big marketing firms], and you get a range of responses," said Adrian Newby, chief technology officer at <a href="https://www.crownpeak.com/customers/">Crownpeak, which provides web management technology for brands such as HP and Unilever.</a> "[They go] from, 'this doesn't really effect us,' to 'does that effect us?'"That's because these brands, generally speaking, ask for, and get permission for, consumer data. When people voluntarily sign up for an offering from a big marketer - whether that's an email newsletter promoting sales, or a chance to win a trip by mailing in a number of cereal box tops - that marketers often sees that consumer data as theirs. So many assume they are automatically GDPR compliant.But it might not be so simple. <h2>GDPR is really complicated. So it's easy to put off dealing with it.</h2>Let's review what's going on with GDRP. Basically, any company that does business with European citizens will have to get consent from people to use their data, and make it very clear and easy to opt out of data collection.Since most big digital <keyword id="6354777" type="COMPANY" weightage="60" keywordseo="Media">media</keyword> and ad tech companies and brands operate globally, they need to think about GDPR.As Newby explained, GDPR puts companies into two buckets: you're either a "controller" or a "processor." AdExchanger breaks this down in great detail <a href="https://adexchanger.com/privacy/marketers-guide-gdpr/">here</a>.<ul><li>A controller is essentially the party that actually decides what data is collected and what is done with it.</li><li>A processor may use data for marketing purposes, but only within the limits of the controller's instructions. An example might be a payroll processing company that works with a big brand, <a href="https://medium.com/@sagarag/all-you-need-to-know-about-gdpr-controllers-and-processors-248200ef4126">according to this detailed GDPR Medium explainer.</a></li></ul><a href="https://digiday.com/media/publishers-feel-cornered-by-groupms-new-data-protection-contract-for-gdpr/">It seems as though ad agencies would prefer to consider themselves processors. </a>It's safer to be a processor, because controllers are the ones with primary responsibility and likely to get hit with big fines."Processors may only act on the controller's instructions," said Newby. "The penalties fall on the controller. But the processor has obligations too. Both parties need to put in contracts what does and doesn't fall on them. GDPR says there has to be consent or some other lawful basis for collecting personal data. A processor can land a controller in hot water if they go beyond their mandate and try and hide behind their status."Here's where it can be challenging: sometime consumers have a relationship with a controller (like a website they visit), but their data is really in the hands of a processor (like a company delivering ads to that site that is using data to target that person). "There is a tension in that relationship," said Newby. "A processor can screw over a controller, especially if they are a large organization trying to stick to their own business model. So both sides are trying to hedge their risk."<h2>Recent ad industry news may give some marketers a false sense of GDPR security. Or they just have expensive lawyers. </h2>Case in point: The ad tech company Drawbridge recently pulled its <a href="https://martechtoday.com/drawbridge-pulls-ad-business-europe-ahead-gdpr-212175">business out of Europe because of GDPR</a>. That's how serious the law is for tech firms that rely on consumer data.Yet contrast that with recent headlines such as <a href="https://digiday.com/marketing/marketers-expect-gdpr/">Marketers don't expect the sky to fall with GDPR</a> and <a href="http://www.thedrum.com/news/2018/02/08/brands-respect-consumer-data-neednt-be-fazed-gdpr-says-matchs-uk-and-northern-europe">Brands that respect consumer data needn't be fazed by GDPR.</a>The truth is, "no one's fine," said one high ranking ad executive.If that's true, there's a lot of money at stake, as fines for potential GDPR violations are no joke: <a href="http://www.businessinsider.com/marketers-had-better-prepare-themselves-gdpr-to-comply-with-next-years-european-data-law-or-risk-major-fines-2017-9">they start at 10 million euros and go up to 4% of profits.</a>Thus, the digital data-focused startup <a href="https://www.mparticle.com/">mParticle</a> has been actively looking to get brands up to speed in recent months."Some brands are absolutely committed to staying ahead of this issue, and investing in the tech infrastructure," said mParticle CEO Michael Katz. "And some brands don't have their customer data strategy in order, including the tech to execute that strategy, but are going policy heavy and legaling up."Newby said he's seeing a similar pattern. Many brands are blissfully ignorant when it comes to GDPR. And many others have hired lots of lawyers to cover themselves. Or at least make them feel covered."There are a couple of camps we are seeing," he said. "Some brands are thinking, 'getting consent is impractical, so I'll make a legal case for how I already operate. What can I get away with and build a case that I'm doing something?'"Still other brands are simply crossing their fingers. "I'll be happy if someone else gets hit first," said Newby.To be sure, companies like mParticle and Crownpeak would seem to have a vested interest in saying that GDPR requires lots of attention, since they peddle services designed to help digital media players get prepped. The online ad industry has a long history of vendors - like say anti fraud tech firms - talking up just how big the problem is that only they can solve.But given how complicated GDPR is (it has 99 articles), and the scrutiny in the marketing world over consumer data (see: Facebook) the law seems sure to have some impact.<div class="KonaFilter image-container display-table"><div><div class="image on-image">NBC"L.A. Law" stars, from left, Jimmy Smits, Harry Hamlin, Corbin Bernsen, and Blair Underwood.</div></div></div><h2>Some brands seem to think they don't have to worry</h2>As the high ranking ad executive explained, some brands are on top of this, because consumer data is so central to their business. Think airlines with frequent flier programs, and banks. "They are taking it very seriously," he said.But then there are marketers who have collected lots of consumer information for pure marketing programs. "They think, 'Well, we've got 100 million records from corn flake packages or whatever, and we've got permission from those consumers.'"<div class="KonaFilter image-container display-table"><div><div class="image on-image"><a href="https://www.flickr.com/photos/msakr/6854633574/in/photolist-brHMKu-PqkCJ-m41AbR-m41ygt-m42q9f-m42p4Q-m41wXr-m42pG3-m413At-m41xHK-m412m4-x9rCd-6QJ8ZL-7pS47Y-xMJkub-5DLzj3-8DyRuG-8DvKGa-8DvKM2-8DvKEx-8DyRwh-8DyRRd-8DvKSg-kgC3yh-kgAbEv-kgAdLK-kgzxYg-kgAevv-kgAeUM-m3ZXsT-m42ruS-m41Cr2-m3ZXYH-dcMEsE-yp4FVN-5Tbtwa-of1AQU-5bpuUD-8ycitx-kgAfic-brHMB3-b8aB5F-bk3N8c-7qg9N1-4uFARP-7MPy66-5KnfTx-brfsma-dgJhAW-68xpa6">ms.akr/Flickr</a></div></div></div>Permission is fuzzy though."Regarding brands, once you have consent, it's not a free ride," said Newby. "Users can withdraw consent at any time."Beyond fickle consumers, when marketers get information from consumers, sometimes they'll use that data in all sort of ways. But GDPR limits that. For example, "a bank may have your log in data," said Newby. "It doesn't mean they can use your credit card info and sell it to other companies."<h2>What's a brand to do about GDPR?</h2>Another big challenge for brands: large companies often have multiple divisions compiling consumer data at different times and in different ways. So even if the marketing group is thinking proactively about GDPR, that doesn't meant there's any centralized, coordinated effort in play.Katz argues for companies to invest in tech to help pull all this together, and get out in front of the issue. "If your [organization's] policy doesn't have the supporting tech, you can't actually enforce anything....a lot still treat data reactively."On the flip side, companies that get organized about consumer data may unlock new opportunities, Katz argued. Regardless, the time is now to do something. "It's coming fast," Katz said. "A lot of people are going to be scrambling those last few days, and if that's the situation you are finding yourself in, you're going to have massive exposure." <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/google-apple-amazon-living-room-war-battle-smart-home-speaker-homepod-echo-alexa-2018-3">Google, Apple, and Amazon are in a war that no one will win</a></h3> <div> </div> </div>

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