FLAT PASS

FLAT PASS

Detailed Terms and Conditions of Participation

Article 1 – Organising company

The company under the name FLAT INSURANCE GROUP Insurance Consultants S.A. and TIN 800614638, with registered office in Dimitriados 158, Volos, hereinafter referred to as ‘the Organiser’, organises a promotional action called ‘FLAT PASS’.

The promotion aims to reward interested parties who request a vehicle insurance offer or proceed with new insurance through FLAT Insurance Group, by giving them the opportunity to participate in prize draws.

Participation takes place in accordance with these terms and conditions.

Article 2 – Duration of the promotion

The launch of FLAT PASS is set for the 27/10/2026 and its initial expiration once the required points have been reached (see below)

The promotion takes place in successive rounds of draws.

Each cycle completes the concentration of participations when at least one thousand (1,000) points from new, issued and paid vehicle insurance policies.

To reach this limit, only points from new insurances are counted and not points awarded from simple bid requests.

The threshold can be reached through any combination of new policies with a duration of three, six or twelve months, regardless of the number of persons or vehicles insured.

Points limit exceeded

In the event that the registration of a new policy results in an excess of 1,000 points, the total points of that policy shall be counted in the current cycle.

Excess points are not transferred to the next cycle.

Prolongation of the promotion

If a cycle in which the required 1,000 points threshold has not been reached is in progress at the initial end date, the promotion is extended to complete that cycle.

New valid bid requests and new insurances continue to be accepted during the extension.

The extension concerns only the completion of the last cycle, in accordance with the rules that will have been announced before the start of the action.

[OPTIONS: DETERMINATION OF A MAXIMUM EXTENSION DURATION AND PROCEDURE IN THE EVENT OF NON-COMPLETION OF 1,000 POINTS]

The date of each draw will be announced by the Organizer after the required limit has been reached.

Article 3 – Right to participate

Natural persons who cumulatively meet the following conditions may participate in FLAT PASS:

1. They have reached the age of eighteen (18).
2. They are legally resident in Greece.
3. They submit a valid vehicle insurance offer request or proceed to new insurance through FLAT Insurance Group.
4. They provide true, accurate and sufficient information to process the insurance offer and participate in the promotion.
5. They have been informed and accept these terms of participation.

The following are excluded from participation:

• The members of the Organizer's management.
• The employees of the Organizer.
• The first-degree relatives of the above persons.

Participation by simple request of an insurance offer does not require the purchase of an insurance product.

Article 4 – Modes of participation

Participation in FLAT PASS can take place through:

• The official website www.flat.direct.
• Contact FLAT Insurance Group by phone.
• Physical presence at the Organizer's offices.
• Communicate through the Organizer's official social media accounts.

Registration of participation requires the provision of the necessary information for the creation of a valid insurance offer, as well as appropriate contact details.

Each request shall be checked for the validity, uniqueness and correctness of the data declared.

The mere submission of repeated requests for the same vehicle does not create an additional right to collect points.

Article 5 – Points aggregation system

Participants accumulate points through two categories of actions.

A. Submission of an insurance offer

Each first valid request for a vehicle-specific insurance offer shall yield:

1 participation point.

This point:

• It corresponds to an electronic ticket.
• It gives a normal right to participate in the respective draw.
• It is not counted towards the 1,000 points required to activate the draw.

For the same vehicle, no new points are awarded from repeated requests for tenders, even in subsequent rounds of the competition.

B. Issuance of a new insurance policy

In case of issuance and payment of a new vehicle insurance policy, the following points are awarded:

Points are awarded after the issue and payment of the corresponding insurance policy.

The above points constitute the total reward for the specific vehicle.

If an offer request has been made, one point of the offer is replaced by the points of the new insurance and is not added to them.

C. Insurance for more vehicles

Where a natural person insures two or more different vehicles, the points of all eligible new insurance policies shall be aggregated with the same participant.

Indicatively:

• Two annual insurance policies: 40 points.
• One annual and one six-month insurance policy: 30 points.
• Two semesters and one quarter insurance policy: 25 points.
• Three annual insurance policies: 60 points.

All points are accumulated in the same participation account of the natural person, regardless of the number of insured vehicles.

Each point corresponds to an electronic ticket.

D. Renewal of existing insurance policies

The renewal of an existing insurance policy does not yield new points.

Also, the mere modification, extension or continuation of an existing insurance is not automatically considered as a new eligible insurance.

Participation through insurance presupposes new insurance work in accordance with these terms.

Article 6 – Matching points with electronic tickets

Each (1) point corresponds to one (1) electronic participation ticket.

Consequently, the total number of tickets of each participant is equal to the valid points accumulated during the respective cycle.

The tickets participate in an online random selection process.

The more tickets a participant has, the higher the chance of winning.

Collecting more tickets does not guarantee the acquisition of any prize.

Each natural person participates with all their valid tickets and can be the winner only once per draw cycle.

Article 7 – Activation and conduct of draws

The conduct of each draw is triggered by the concentration of at least 1,000 points from new vehicle insurance.

To reach the limit, only points arising from new insurance contracts that have been issued and paid are taken into account.

Points from simple requests for insurance offers are not counted towards this limit.

However, all interested parties who have obtained valid tickets during the respective cycle normally participate in the draw, regardless of whether they have proceeded with insurance.

Examples of raffle activation:

The draw can be triggered by:

• 50 new annual policies × 20 points = 1,000 points.
• 100 new semester insurance policies × 10 points = 1,000 points.
• 200 new quarterly policies × 5 points = 1,000 points.
• Any other combination of new policies that accumulates at least 1,000 points.

The number of insured persons and the number of contracts issued are not independent conditions for the activation of the draw.

Lottery procedure

After reaching the required threshold:

1. The Organizer completes the validity check of the points and tickets.
2. Checks for any cancellations of insurance policies or invalid participations.
3. Finalizes the participant and ticket record of the cycle.
4. Announces the date of the electronic draw.
5. It carries out the draw through an electronic random selection system.

In the process, three (3) different winners are selected.

After a winner has been selected, all other lottery tickets are removed from the draw so that they cannot win a second prize in the same round.

For reasons of transparency, the Organizer keeps an electronic record of entries, tickets and results.

In addition, the electronic draw process is recorded on video, with the implementation of appropriate measures to protect the personal data of the participants.

Article 8 – Competition gifts

Three (3) prizes are awarded in each draw cycle:

1st winner: 300€ in fuel

2nd winner: 200€ in fuel

3rd winner: 100€ in fuel

The total value of prizes per draw is 600€.

Gifts are provided in the form of fuel vouchers, which can be redeemed at partner stations.

The partner stations or the corresponding redemption network are notified to the winners upon delivery of the gifts.

Vouchers are valid for three (3) months from the date of delivery.

The gifts:

• They are not exchanged for cash.
• They are not replaced in exchange for money.
• They cannot be replaced unilaterally by the winner with another product or service.

Article 9 – Promotion, information and receipt of gifts

After the draw, the winners are informed personally through the contact details they have provided during their participation.

The Organizer makes the communication by phone, e-mail or other stated means of communication.

Each winner must respond within fifteen (15) calendar days from the first documented notification.

To receive the prize, a prior confirmation of the winner's identity is required through an official identification document.

In the case of:

• Failure to respond within the deadline.
• Refusal to accept the gift.
• Failure to verify the data.
• Finding that the conditions for participation are not met.

A new electronic draw is made between the other valid tickets to determine the alternate winner for this prize.

Public announcement of winners

The public announcement of the winner's name, photo or other identification data takes place only if a separate, free and specific consent has been obtained.

Refusal to give consent to a public announcement does not affect the right to receive the prize.

Article 10 — Cancellations of insurance policies and invalid participations

In case of cancellation of a new insurance policy before the respective draw:

1. The points awarded for this insurance are cancelled.
2. The corresponding electronic tickets are cancelled.
3. The participation resulting from the initial offer of the same vehicle is also cancelled.
4. The points of the cancelled insurance are subtracted from the total sum of insurance points of the respective cycle.

If, after deduction of those points, the total sum falls below the threshold of 1,000 points, the draw shall not take place until the required threshold has been reached again.

In case the participant has more than one new insurance policy, the cancellation of one of them does not affect the valid points derived from the other policies.

In the event of a finding of fictitious insurance, false information or other proven abusive action, the Organizer may cancel the respective participation, in accordance with these terms.

Article 11 – Completion of a cycle and zeroing of points

After the completion of each draw, all points and electronic tickets of the specific cycle are reset to zero.

Points are not transferred to a subsequent round, regardless of whether the participant has been selected as the winner.

The new point collection period starts from a zero base.

Participation in a subsequent cycle requires a new eligible action in accordance with these terms.

In particular:

• The new insurance of a different vehicle can yield new points.
• The recurring offer for a vehicle that has already been rewarded with a promotional point does not award additional points.
• Renewal of an existing policy does not yield new points.

A person may participate in more than one successive cycle, provided that he or she fulfils the relevant conditions each time.

Article 12 – Validity of items and exclusion of participations

Participants are required to declare true, accurate and up-to-date information.

It is not allowed to create multiple entries with false data, use third party data without legal authorization or create virtual requests for the purpose of collecting more tickets.

The Organizer reserves the right to make reasonable checks of validity and uniqueness.

If a documented violation of the terms is found, the Organizer may cancel the respective points and tickets or exclude the specific participation.

Any such decision must be based on objective, proportionate and substantiated criteria.

Article 13 – Protection of personal data

The Organizer processes the necessary personal data of the participants for the following purposes:

• Submission and processing of insurance offers.
• Registration of participations in FLAT PASS.
• Calculation and tracking of points.
• Creation and management of electronic tickets.
• Validity check of participations.
• Conduct of electronic draws.
• Inform participants of their points by email or message.
• Communication with the winners.
• Identity verification and prize delivery.
• Keeping the necessary records for the transparency of the process and compliance with applicable obligations.

The processing is carried out in accordance with the General Data Protection Regulation (EU) 2016/679 and the applicable Greek legislation.

Participants are informed when collecting their data about their respective legal processing bases, recipients, retention times and rights.

The personal data collected specifically for the competition is not used for irrelevant promotional communications.

Any public display of the winners requires separate consent, which is not a condition of participation or receipt of the prize.

The keeping of records and video recordings of the draws is carried out only for specified purposes and for the necessary period of time.

Participants may exercise the rights provided by the applicable data protection legislation.

Contact details of the controller: [COMPLETION]

Contact on data protection issues: [COMPLETION]

Retention times of entry data and draw records: [COMPLETION]

Further information is provided through the Organizer's Privacy Policy and the special information accompanying the participation in FLAT PASS.

Article 14 – Relationship with social media

FLAT PASS is an independent promotional activity of FLAT Insurance Group.

The action is not organized, sponsored, supported, or managed by Meta, Facebook, or Instagram.

These platforms are not the organisers or providers of the prizes.

The Organizer has sole responsibility for organizing and conducting the competition, in accordance with the applicable law.

Article 15 – Acceptance of terms and communication

Participation in FLAT PASS presupposes the prior notification and acceptance of these terms.

The detailed terms and conditions will be available throughout the duration of the promotion through the official website of FLAT Insurance Group.

The Organizer may make necessary clarifications or amendments, provided that they comply with applicable law, are announced in a transparent manner and do not unreasonably prejudice rights already acquired by participants.

For any information or clarification regarding FLAT PASS, interested parties can contact the Organizer.