TERMS AND CONDITIONS LOVE TALK

Employees of  Bayer Pharma AG and other companies of the Bayer Group of companies ("Bayer Group") and their immediate family members are not eligible to enter the competition.

Bayer Pharma AG reserves the right to rule on any issues not covered by the Conditions of entry.

The World Contraception Day "Love talk" competition is open to creative people of age 16 to 25,  regardless of nationality, education, experience and ability.

The World Contraception Day "Love Talk" competition is an online competition only.

To participate the user must provide all data in the submission form, upload a text of him/herself according to the briefing and technical specifications (file-format and file size)(the "Text"). Only one submission per user  is allowed.

The participant warrants that his/her entry is suitable for publication on websites, in exhibitions or any other media and therefore appropriate for a general audience. Bayer Pharma AG reserves the right to exclude entries at any time without giving any reason or prior notice. Bayer Pharma AG will reject any entry not suitable for aforementioned use for reasons such as, but not exclusively, incitement of hate, youth protection, offensiveness, standards of taste and decency and other similar reasons.

The participant confirms that s/he is at least 16 years old and holds all the rights over the Text submitted including the right to use any part of the Text. S/he confirms the Text is free from the rights of any third party and does not infringe on the personal rights of any third party. Any person or persons identifiable in the Text must have agreed to the publication of the name. The participant will confirm the above in writing if requested to do so. Should a third person claim damages arising from infringements on his/her rights, the participant will indemnify the Bayer Group from and against any third party claims. The Text may not contain any material from third sources, e.g. magazines, books etc..

All entries remain the property of the participant. The participant grants to the Bayer Group free of charge a permanent, non-revocable, exclusive, non-transferable worldwide and unrestricted license to use his/her entries including all pictures, photos and names for promotional and/or marketing and/or communication purposes in any and all media such as, but not exclusively, television, shows, exhibitions, trade shows, events, print and digital media, mailings, public relations, billboards in connection and conjunction with the World Contraception Day competition "Love Talk" competition.

The "Love Talk" competition is ongoing. Each month one entry will be chosen by the Bayer Pharma AG jury to win. The winning writer receives an iPod nano (8 GB). Winner might be announced monthly on your-life.com. The winner will receive a letter by email. The iPod nano will be delivered via mail. Bayer Pharma AG reserves the right to delete the entries from the website.

The participant hereby agrees that his name (pre- and surname) will be published in connection with the video on the website and moreover his place of residence in the case of winning.

Bayer Pharma AG accepts no responsibility for any loss or damage to competition entries, except in case of damage or loss by intent or due to gross negligence.

Bayer Pharma AG reserves the right to check the winner's eligibility.

Bayer Pharma AG reserves the right to change the prizes without giving any reasons or prior notice. The prize cannot be exchanged for cash or kind.

No responsibility shall be accepted for late or misdirected entries. Further, no responsibility shall be accepted for problems that entrants may have with the website.

The legal process and the right to claim warranty against Bayer Pharma AG regarding the prize are excluded.