The Vita Advent calendar quiz is open to all natural persons aged 18 and over who are resident in Switzerland. Employees of SST Vita Dienstleistungs AG, a Zurich Insurance Group company or a Zurich General Agency are excluded. Participation is free of charge and there is no legal recourse. No correspondence will be entered into. The prize is a daily voucher. No cash payment will be made. The e-mail address will not be saved, but will only be used for the prize draw. The winners will be selected from all participants and notified electronically.