Official Rules
1. DESCRIPTION: “Challenge” is an online men’s college basketball tournament prediction competition and fundraiser. It benefits the Insurance Industry Charitable Foundation (“IICF” or the “Sponsor”), which funds the IICF Community Grants program supporting community programing in the areas of children at risk, education, and human services. The Challenge is not endorsed by, associated with, or sponsored by, the National Collegiate Athletic Association (“NCAA”). THIS CHALLENGE IS DEVISED AS A NO-OBLIGATION, DONATION-ONLY, NON-GAMBLING FUNDRAISER and is intended solely for those purposes.
The Challenge is based on the results of the 2025 NCAA Division I Men’s College Basketball Tournament (the “Tournament”). The Tournament consists of sixty-three (63) separate games, as detailed below. “Entrants” (as defined below) will be awarded points by correctly predicting the game winners (“Prediction”) as detailed below. Prizes will be awarded to those Entrant who has accumulated the most points during the Challenge as described below. Registration will close on Tuesday, March 18, 2025 at 10:30 a.m. Central Standard Time (“CST”).
· The Challenge “Registration Period” begins on Sunday, March 16, 2025 at 6 p.m. CST and ends on Tuesday, March 18, 2025, at 10:30 a.m. CST, immediately prior to tip-off of the first NCAA tournament game.
· Entrants must make their Predictions between the conclusion of the announcement of the Tournament field on March 16, 2025 and 10:30 a.m. CST on March 18, 2025 (the “Selection Period”).
· Entrants must also predict the total combined score of the Tournament championship game. This information will be used to determine the winner in the event of a point-score tie. Failure to predict a total combined score will result in a loss of any applicable tie-breakers (as described in Section 4).
2. ELIGIBILITY: Challenge is open only to legal United States residents residing in the fifty (50) United States and Washington D.C., who are at least eighteen (18) years of age or the age of legal majority in their state of primary residence at time of entry (“Entrant”). Each Entrant must use a valid and unique email address when they submit their entry and be the rightful owner of the e-mail address identified. Challenge void where prohibited.
3. HOW TO REGISTER AND SELECT PICKS: To participate in the Challenge, Entrants must enter first complete the online Registration Form. They must use a valid and unique email address when they submit their entry. Additionally, each user must create a user name. Once registered, Entrants will log-in to their Account and predict one (1) winner for each game in the Tournament. The Sponsor may send reminder emails during the Selection Period to Entrants who have registered to participate but haven’t yet submitted Predictions. The Entrant will make the Prediction by clicking on the team name they believe will advance to the next round of the Tournament. After completing Predictions, Entrants will then be asked to enter their best guess for the combined total score of the Tournament championship game (“Tie-Breaker”). The Tie-Breaker answers will ONLY be used to determine prize winners in the event that there is a tie in final point tallies. By entering this online challenge, you agree that you have read all the rules and terms of use and will abide by them accordingly, including the decisions of the judges relative to this challenge, whose decision will be final in all respects. If Entrant does not submit the entry form, the entry will not be valid. Participation is open to everyone, regardless of if a donation is made to IICF.
If Entrants wish to make changes to their picks, they may go back and change a selection at any time during the Selection Period. No changes or revisions to the Predictions will be permitted after the close of the Selection Period. Incomplete entries will be disqualified. All information provided by Entrant becomes property of ALSF. ELIGIBLE ENTRANTS MUST SUBMIT IN ACCORDANCE WITH THESE OFFICIAL RULES. NO OTHER METHOD OF SUBMISSION WILL BE ACCEPTED.
4. SCORING: Entrants will earn points based on correct prediction of winning teams in the Tournament games. The number of points awarded for each correct pick of a winning game of the Tournament will increase with each round of the Tournament. A maximum of one hundred sixty-eight (168) points can be earned if all games are predicted correctly. The four (4) play-in games (the First Four), scheduled to take place prior to the First Round of the Tournament, are NOT included in the Challenge. Challenge points will be awarded as follows:
First Round – 1 point for each correct selection (32 total points possible)
Second Round – 2 points for each correct selection (32 total points possible)
Regional Semifinals – 4 points for each correct selection (32 total points possible)
Regional Finals – 8 points for each correct selection (32 total points possible)
Semifinals – 12 points for each correct selection (24 total points possible)
Championship – 16 points for correct selection (16 total points possible)
At the conclusion of the Tournament, Entrants scores will be calculated and prizes will be awarded to the top scoring Entrants as described below. In the event of a tie, winners will be determined in the following:
Tie-breaker #1 - Closest to the total points scored by both teams in the final game; without exceeding/going over the total points scored
Tie-breaker #2 – Closest to the total points scored by both teams in the final game; regardless of whether the Entrant's predicted point total exceeded the total points scored
Tie-breaker #3 - Closest to the total points scored by the winning team in the final game; without exceeding/going over the total points scored by the winning team
Tie-breaker #4 - Closest to the total points scored by the winning team in the final game; regardless of whether the Entrant's predicted point total exceeded the total points scored by the winning team
Tie-breaker #5 - Closest to the total points scored by the losing team in the final game; without exceeding/going over the total points scored by the losing team
Tie-breaker #6 - Closest to the total points scored by the losing team in the final game; regardless of whether the Entrant's predicted point total exceeded the total points scored by the losing team
Tie-breaker #7 – A winner will be drawn randomly from the pool of tied player
1. DESCRIPTION: “Challenge” is an online men’s college basketball tournament prediction competition and fundraiser. It benefits the Insurance Industry Charitable Foundation (“IICF” or the “Sponsor”), which funds the IICF Community Grants program supporting community programing in the areas of children at risk, education, and human services. The Challenge is not endorsed by, associated with, or sponsored by, the National Collegiate Athletic Association (“NCAA”). THIS CHALLENGE IS DEVISED AS A NO-OBLIGATION, DONATION-ONLY, NON-GAMBLING FUNDRAISER and is intended solely for those purposes.
The Challenge is based on the results of the 2025 NCAA Division I Men’s College Basketball Tournament (the “Tournament”). The Tournament consists of sixty-three (63) separate games, as detailed below. “Entrants” (as defined below) will be awarded points by correctly predicting the game winners (“Prediction”) as detailed below. Prizes will be awarded to those Entrant who has accumulated the most points during the Challenge as described below. Registration will close on Tuesday, March 18, 2025 at 10:30 a.m. Central Standard Time (“CST”).
· The Challenge “Registration Period” begins on Sunday, March 16, 2025 at 6 p.m. CST and ends on Tuesday, March 18, 2025, at 10:30 a.m. CST, immediately prior to tip-off of the first NCAA tournament game.
· Entrants must make their Predictions between the conclusion of the announcement of the Tournament field on March 16, 2025 and 10:30 a.m. CST on March 18, 2025 (the “Selection Period”).
· Entrants must also predict the total combined score of the Tournament championship game. This information will be used to determine the winner in the event of a point-score tie. Failure to predict a total combined score will result in a loss of any applicable tie-breakers (as described in Section 4).
2. ELIGIBILITY: Challenge is open only to legal United States residents residing in the fifty (50) United States and Washington D.C., who are at least eighteen (18) years of age or the age of legal majority in their state of primary residence at time of entry (“Entrant”). Each Entrant must use a valid and unique email address when they submit their entry and be the rightful owner of the e-mail address identified. Challenge void where prohibited.
3. HOW TO REGISTER AND SELECT PICKS: To participate in the Challenge, Entrants must enter first complete the online Registration Form. They must use a valid and unique email address when they submit their entry. Additionally, each user must create a user name. Once registered, Entrants will log-in to their Account and predict one (1) winner for each game in the Tournament. The Sponsor may send reminder emails during the Selection Period to Entrants who have registered to participate but haven’t yet submitted Predictions. The Entrant will make the Prediction by clicking on the team name they believe will advance to the next round of the Tournament. After completing Predictions, Entrants will then be asked to enter their best guess for the combined total score of the Tournament championship game (“Tie-Breaker”). The Tie-Breaker answers will ONLY be used to determine prize winners in the event that there is a tie in final point tallies. By entering this online challenge, you agree that you have read all the rules and terms of use and will abide by them accordingly, including the decisions of the judges relative to this challenge, whose decision will be final in all respects. If Entrant does not submit the entry form, the entry will not be valid. Participation is open to everyone, regardless of if a donation is made to IICF.
If Entrants wish to make changes to their picks, they may go back and change a selection at any time during the Selection Period. No changes or revisions to the Predictions will be permitted after the close of the Selection Period. Incomplete entries will be disqualified. All information provided by Entrant becomes property of ALSF. ELIGIBLE ENTRANTS MUST SUBMIT IN ACCORDANCE WITH THESE OFFICIAL RULES. NO OTHER METHOD OF SUBMISSION WILL BE ACCEPTED.
4. SCORING: Entrants will earn points based on correct prediction of winning teams in the Tournament games. The number of points awarded for each correct pick of a winning game of the Tournament will increase with each round of the Tournament. A maximum of one hundred sixty-eight (168) points can be earned if all games are predicted correctly. The four (4) play-in games (the First Four), scheduled to take place prior to the First Round of the Tournament, are NOT included in the Challenge. Challenge points will be awarded as follows:
First Round – 1 point for each correct selection (32 total points possible)
Second Round – 2 points for each correct selection (32 total points possible)
Regional Semifinals – 4 points for each correct selection (32 total points possible)
Regional Finals – 8 points for each correct selection (32 total points possible)
Semifinals – 12 points for each correct selection (24 total points possible)
Championship – 16 points for correct selection (16 total points possible)
At the conclusion of the Tournament, Entrants scores will be calculated and prizes will be awarded to the top scoring Entrants as described below. In the event of a tie, winners will be determined in the following:
Tie-breaker #1 - Closest to the total points scored by both teams in the final game; without exceeding/going over the total points scored
Tie-breaker #2 – Closest to the total points scored by both teams in the final game; regardless of whether the Entrant's predicted point total exceeded the total points scored
Tie-breaker #3 - Closest to the total points scored by the winning team in the final game; without exceeding/going over the total points scored by the winning team
Tie-breaker #4 - Closest to the total points scored by the winning team in the final game; regardless of whether the Entrant's predicted point total exceeded the total points scored by the winning team
Tie-breaker #5 - Closest to the total points scored by the losing team in the final game; without exceeding/going over the total points scored by the losing team
Tie-breaker #6 - Closest to the total points scored by the losing team in the final game; regardless of whether the Entrant's predicted point total exceeded the total points scored by the losing team
Tie-breaker #7 – A winner will be drawn randomly from the pool of tied player