2022 Mastercard Golf Sweepstakes

Every time you pay with your Mastercard® you’ll earn another chance to win.

Pebble Beach Resorts

Mastercard® makes it easy to go from cab fare to the fairway

Start Something Priceless®

 

Whether you’re checking out in a cab, at the supermarket or the pro shop, use your Mastercard® for a chance to win a golf experience for two (2) at the legendary Pebble Beach Resorts®. Every time you pay with your Mastercard® you’ll earn another chance to win.

 

Use your card 2/2/22—12/31/22 for a chance to win a Priceless Experience at Pebble Beach Resorts®, including:

  • 3-night trip for two (2) to Pebble Beach Resorts® in Pebble Beach, CA
  • Three (3) rounds of golf for two (2)
  • $500 resort credit at Pebble Beach Resorts®
  • Hotel accommodations
  • Round trip air transportation for two (2)
  • Ground transportation to and from the airport and hotel

 

 

2022 Mastercard Golf Sweepstakes: Official Rules

 

NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN. A PURCHASE OR PAYMENT WILL NOT INCREASE YOUR CHANCES OF WINNING.

PIN-Based Debit, International, and Mastercard® Corporate Transactions Not Eligible For Automatic Entry.

Entrants waive the ability to bring claims in a class action format.

Winner of Grand Prize Trip being awarded in this Sweepstakes must travel by 6/30/23 or prize will be forfeited in its entirety.

For the purpose of this Sweepstakes: (1) all entries, whether submitted by using an eligible Mastercard as described below or by alternate means of entry, have an equal chance of winning; and (2) Mastercard use includes purchase transactions initiated by Mastercard consumer debit, credit, and small business cards, as described below.

 

Eligibility: The 2022 Mastercard Golf Sweepstakes (“Sweepstakes”) is open only to individuals who are Mastercard Cardholders (“Cardholder”) whose account was opened by a Mastercard FI (defined below) before 2/2/22 and who are physically located and permanent legal U.S. residents (including D.C.), and the legal age of majority in their state or jurisdiction of residence (which is eighteen (18) in most states, but is nineteen (19) in Alabama and Nebraska, and twenty-one (21) in Mississippi) before time/date of entry. Void in U.S. Territories, including, Guam, Puerto Rico and where prohibited by law. Employees, officers and directors of Mastercard International Incorporated (“Mastercard” or “Sponsor”); Mastercard customer financial institutions, credit unions, alliances, and processors (collectively, “Mastercard FI”); Pebble Beach Company; teamDigital Promotions, Inc. (“Administrator”); and each of their respective parent companies, affiliates, distributors, subsidiaries, prize providers, advertising/promotion agencies and the immediate family members (i.e., spouses, parents, children, grandchildren and siblings and their respective spouses) and/or those living in the same household of any of the foregoing (i.e., people who share the same residence at least three (3) months a year, whether legally related or not) are not eligible to enter or win a prize in this Sweepstakes. Sponsor, Mastercard FI, Pebble Beach Company, Administrator, and each of their respective parent companies, affiliates, distributors, subsidiaries, prize providers, and advertising/promotion agencies are each a “Released Party” and shall hereinafter collectively be referred to as the “Released Parties”.

 

Promo Period: Sweepstakes begins at 12:00:01AM Central Time (“CT”) on 2/2/22 and ends at 11:59:59PM CT on 12/31/22 (“Promo Period”). The Sponsor’s designated database clock will be the official timekeeper for this Sweepstakes.

 

How to Enter: There are two (2) methods of entry as follows:

 

1) To enter the Sweepstakes using your eligible Mastercard card (“Card”):  You will automatically receive one (1) entry into the Sweepstakes each time you use your eligible Card to make an eligible signature-based purchase transaction during the Promo Period. Purchase transactions involving overdraft transactions, PIN-based debit and international transactions, account adjustment transactions/returns, late payment fees, over-limit or over-draft fees, return check fees, check re-order fees, ATM transactions and fees, cash advances, monthly/annual fees, balance transfers and/or other fees assessed on your account are not eligible for automatic Sweepstakes entry. Entries from Mastercard corporate cards (other than small business cards), unauthorized Card use or purchases made with lost, stolen, or fraudulent Cards are void. Only purchases made with an eligible Card for an account that is in good standing (both at time of entry and winner selection) and issued by a Mastercard FI in the U.S. to an identifiable Cardholder (as set forth herein) and that are processed and submitted through Mastercard’s U.S. transaction processing system during the Promo Period are eligible for automatic entry; or

 

2) To enter the Sweepstakes by mail without making a purchase - to receive one (1) entry, hand print your full name, complete mailing address, telephone number, date of birth, the first six (6) digits of your Card, and the words “2022 Mastercard Golf Sweepstakes” on a plain 3” x 5” piece of paper and mail it in a sealed, stamped and hand printed #10 envelope to: 2022 Mastercard Golf Sweepstakes, 211 Greenwood Ave. 2-2, Promo 502, Bethel, CT 06801. Enter as often as you wish by mail, but each entry must be mailed separately, postmarked by 1/2/23 and must be received by 1/9/23.

 

There is no limit to the number of entries an eligible Cardholder may receive during the Promo Period (regardless of method of entry). No photocopied, computer-generated facsimiles, mechanically reproduced, or mass entries permitted. All entries become property of Sponsor and will not be returned. Sponsor and other Released Parties are not responsible for lost, incomplete, illegible, late, misdirected, delayed, garbled, damaged, inaccurate, stolen, postage-due, or mutilated entries or mail; any error, omission, interruption, defect or delay in transmission, 3rd party transaction classification, transaction processing, or communication; technical or mechanical malfunctions; failures or malfunctions of phones, phone lines, or telephone systems; errors in these Official Rules, in any Sweeps-related advertisements or other materials; human-processing error; failures of electronic equipment, computer hardware or software; or inaccurate entry information, whether caused by equipment, programming used in this Sweeps, human error, or otherwise. Use of any device to automate or subvert entry is prohibited and any entries received by such means will be void. No software-generated, robotic, programmed, script, macro or other automated entries are permitted, and any entries received by such means will be void.  Sponsor reserves the right, in its sole discretion, to void any and all entries of an entrant who Sponsor believes has attempted to tamper with or impair the administration, security, fairness or proper play of this Sweeps.

 

Selection of Winner: The potential winner will be selected in a random drawing by Administrator, whose decisions will be final and binding in all matters relating to this Sweepstakes, on or about 1/12/23. The potential prize winner will be notified by Administrator via telephone, email and/or mail (method selected in Administrator’s sole and absolute discretion). Subject to verification of eligibility and compliance with these Official Rules, the potential winner will be declared the official winner of the Sweepstakes. In the event that the potential winner is selected via a Card transaction, prize will be awarded to the primary account holder (as determined by the Mastercard FI’s account records and subject to said financial institution’s timely identification of the account holder) named on the account accessed by the Card used to make the entry and, in the event that a Mastercard® small business card or debit Mastercard® small business card winning account is selected, prize will be awarded to the individual named on the Card that is used to transact the winning entry (as determined by the Mastercard FI’s account records and subject to said financial institution’s timely identification of the individual named on the applicable Card). If awarding of the prize is in conflict with the business’ written policy or not feasible after Sponsor’s good faith effort to obtain account holder contact information from the applicable Mastercard FI, prize will be forfeited, and an alternate potential winner may be selected randomly from among all remaining eligible entries. Odds of winning will depend on the total number of eligible entries received during the Promo Period.

 

Prizes: One (1) Grand Prize will be awarded in this Sweepstakes. Federal, state and local taxes and all other expenses not specified herein are winners’ sole responsibility. The approximate retail value (“ARV”) of the prize is based on available information provided to Sponsor and the value of any prize awarded to a winner may be reported for tax purposes as required by law. The winner may be required to provide Sponsor with a valid social security number before the prizes will be awarded for tax reporting purposes. An IRS Form 1099 may be issued in the name of prize winner for the actual value of the prizes received. Unclaimed prizes will be forfeited. The Released Parties are not responsible for and will not replace any lost, mutilated or stolen prize(s) or any prize that is undeliverable or does not reach a winner because of an incorrect or changed address.  If a winner does not accept or use the entire prize, the unaccepted or unused part of the prize will be forfeited, and the Released Parties will have no further obligation with respect to that prize or portion of the prize.

 

One (1) Grand Prize (selected from all eligible entries at the end of the Promo Period) – One (1) winner will receive a three (3)-night trip for winner and one (1) guest to Pebble Beach Resorts® in Pebble Beach, CA (hereafter, “Trip”). Winner may select dates to travel, to be completed by June 30, 2023. Trip includes round-trip coach air transportation from the major airport nearest winner’s residence (determined by Sponsor), one (1) standard double-occupancy hotel accommodation (including resort and service fees and taxes), ground transportation to/from the airport and the applicable hotel, three (3) rounds of golf for winner and one (1) guest (with at least one (1) round of golf to be played on Pebble Beach Golf Links® subject to availability), $500 Pebble Beach Resorts resort credit to be applied to meals at Pebble Beach Resorts’ qualifying restaurants throughout the Trip, and $2,500 awarded as a check to the winner that may be used to help offset taxes. ARV of Trip prize = $11,300.  This Trip may be canceled, postponed or substituted by Sponsor, at any time in its sole discretion, due to the ongoing pandemic (e.g., Coronavirus/COVID-19), in Sponsor's sole and absolute discretion. Trip dates, reservations, and other arrangements are subject to availability, blackout dates, and other prize and travel restrictions.

 

TOTAL ARV OF ALL PRIZES AWARDED IN THIS SWEEPSTAKES: $11,300.

 

All Trip details and prize details not specifically set forth herein will be determined by Sponsor in its sole and absolute discretion. Trip must be taken on date(s) specified by Sponsor or prize will be forfeited and an alternate potential winner may be selected by random drawing from among all remaining entries rec’d, if time permits. Actual value of prize will vary depending on winner’s city of departure and final travel requirements and activities; any difference in value will not be awarded. Sponsor, in its sole discretion, reserves the right to provide ground transportation in lieu of air transportation. Released Parties are not responsible for travel delays or cancellations. If any prize-related activity(s) is canceled or postponed for any reason, before or after Trip arrangements are made, Sponsor reserves the right, in its sole discretion, to award the balance of the Trip or to award an alternate prize of equal or greater value in full satisfaction of prize award. If, for any reason whatsoever, a winner and/or guest are unable to travel or participate in the Trip after all Trip-related travel arrangements have been made, Sponsor (and, for the avoidance of doubt, the other Released Parties) shall have no further obligation to winner and/or guest and no alternate winner will be selected. Prize or any elements thereof may not be separated or redeemed for cash. Travel and hotel restrictions apply. Trip winners and guest must travel on the same itinerary, must be age of majority in his/her state of residence, and are responsible for obtaining and possessing all required valid photo ID and travel documents prior to travel. Trip is subject to supervision and security and other policies designated by Sponsor. Exact details of any activities, including, but not limited to, date, time, location and duration are at Sponsor’s sole discretion. Itinerary and program elements are at the discretion of Sponsor and are subject to change. Winner and their guest agree to comply with all applicable venue and/or hotel rules and regulations in connection with the prize. Sponsor reserves the right, in their sole discretion, to remove or to deny entry to the winner and/or his/her guest who engage(s) in a non-sportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person during Trip/at any event associated with the prize. The winner and his/her guest will be escorted out of the hotel, venue, and/or any other Trip aspect by Sponsor, the applicable onsite representatives, or their designated agent(s) for improper conduct and/or violation of federal, state or local laws (including, but not limited to, the unlawful possession, use, or distribution of illicit drugs, unlawful drug paraphernalia, and alcohol) and, in the case of any such infraction, Sponsor (and, for the avoidance of doubt, the other Released Parties) will have no further obligation to winner and winner and his/her guest will forfeit the balance of the Trip. Released Parties will not be responsible for weather conditions, Acts of God, acts of terrorism, civil disturbances, work stoppage or any other natural disaster outside their control that may cause the cancellation or postponement of any elements of Trip. All costs and expenses associated with the acceptance and use or misuse of the prize not specified herein as being awarded, including, but not limited to, all federal, state and local taxes, additional air and ground transportation, food, beverages, souvenirs, gratuities, airline luggage charges, incidentals, upgrades, insurance, service charges and other misc. travel expenses are winner’s sole responsibility. Trip winner and guest are responsible for obtaining travel insurance (and all other forms of insurance) at their option and hereby acknowledge that Sponsor and the other Released Parties have not and will not obtain or provide travel or other form of insurance. Winner acknowledges that an inherent risk of exposure to COVID-19 exists in any place where people gather.  COVID-19 is an extremely contagious disease that can lead to severe illness and death.  Winner assumes all risks, hazards, and dangers arising from or relating in any way to the risk of contracting COVID-19 or any other communicable disease or illness, or a bacteria, virus or other pathogen capable of causing a communicable disease or illness, whether occurring before, during, or after attending the game however caused or contracted, and voluntarily waive all claims and potential claims against the Released Parties relating to such risks.  It is the responsibility of the winner to comply with COVID-19 protocols (e.g., wear masks at all times, have a vaccine or show proof of vaccination) as required by prize provider.

 

Privacy: Your use of your Card to make a purchase during the Promo Period and/or your submission of a 3” x 5” mail-in entry constitutes your consent to participate and this Sweepstakes and your consent for Sponsor and Administrator to obtain, use, and transfer your name, Card number, email and mail address, phone number and other information provided by entrants in connection with this Sweepstakes (“Sweeps Data”) for the purpose of administering this Sweepstakes, awarding the prizes and to comply with applicable legal requirements. For information regarding Sponsor’s privacy practices, please visit https://www.mastercard.us/en-us/about-mastercard/what-we-do/privacy.html. Any information entrant provides may be used to communicate with entrant in relation to this Sweepstakes or on a Sweepstakes winner list. For automatic entries through Card usage, Sponsor (or Administrator on Sponsor’s behalf) may obtain the account holder’s personal contact information (name, address, email address and phone number) from Mastercard FI in order to award prizes.  Mastercard FI’s may elect to send email marketing communications to its Cardholders or other email recipients in its database in connection with the Sweepstakes. You can, at any time and free of charge, choose not to receive any of those email communications by clicking on the unsubscribe link within the e-mail. Opting out of receiving email communications from a Mastercard FI will not preclude a consumer from winning.

 

Except where prohibited by law, acceptance of a prize constitutes winner’s irrevocable consent to Released Parties, and each of their respective agents’, successors’ and assigns’ or other designees’ use of winner’s name, likeness, photograph, voice, statement, opinions, biographical information, prize and/or state/city of residence for advertising and promotional and publicity purposes in any and all media or format, worldwide, in perpetuity, without any permission, notification, payment or consideration except for the awarding of the prizes to the winner. You may be required to sign a document confirming your consent.

 

Released Parties are not responsible for late, lost, stolen, illegible, incomplete, misdirected, delayed, garbled, damaged, inaccurate or undelivered emails, entries, theft, destruction or unauthorized access to, or alteration of Sweeps Data, defect/delay in transmission or communication, including, but not limited to, recording failures, or for telephonic, human or computer failures, problems or errors, interruptions in service leveraged to create an entry, whether due to system upgrades, repairs, modifications or other causes, defect or delay in transmission, connections, satellite, network, cable, Internet Service Provider (ISP), phones, phone lines or telephone systems, recording/filming systems, electronic equipment, computer hardware or software failures, inaccurate entry information, traffic congestion on the internet, technical or mechanical malfunctions, or other malfunctions, errors or delays, whether caused by equipment, programming, human error, acts of God or otherwise relating to or in connection with the Sweepstakes, including, without limitation, errors which may occur in connection with the administration of the Sweepstakes, the processing of entries, Sweepstakes Data processing, the announcement of prizes and the winner, the cancellation or postponement of the Sweepstakes, for any injury or damage to participant’s or any other person’s computer or other device relating to or resulting from participation in this Sweepstakes, or for printing, typographical, human or other errors appearing in these Official Rules, in any Sweepstakes advertisements or other materials.  Use of any device to automate or subvert entry is prohibited and any entries received by such means will be void. No software-generated, robotic, programmed, script, macro or other automated entries are permitted, and any entries received by such means will be void.

 

Miscellaneous: No transfer, assignment, cash redemption or substitution of a prize (or portion thereof) will be permitted, except by Sponsor, in its sole discretion, due to prize unavailability or other causes otherwise determined solely by Sponsor, and then for a prize (or applicable portion) of equal or greater value. The winner may be required to notify Sponsor of prize acceptance by returning an executed and notarized Affidavit of Eligibility, Liability Release and (where legal) Publicity Release within five (5) days of issuance of notification or other time period determined by Sponsor in its sole discretion. Prize winner’s guest may also be required to sign and return a Liability Release and (where legal) Publicity Release prior to the issuance of travel documents. Prize winner will also be required to submit to a confidential background check to confirm eligibility and ensure that Trip attendance by such person, or the use of any such person in advertising, promotion or publicity, will not pose a security threat or bring Released Parties into public disrepute, contempt, scandal or ridicule or reflect unfavorably on Released Parties  as determined by Sponsor or the other Released Parties in their sole discretion, and, in such event, the prize may be forfeited. Non-compliance with any of the foregoing may result in disqualification and awarding of prize to an alternate winner, if time permits. If any prize or prize notification letter and/or email is returned as undeliverable or the prize is declined for any reason, winner will be disqualified and, at Sponsor’s sole discretion and time permitting, an alternate potential winner may be selected by random drawing from among all remaining eligible entries. Should a potential winner decide to decline his/her prize for any reason whatsoever or not respond to the prize notification by the applicable response deadline, Sponsor (and, for the avoidance of doubt, the other Released Parties) shall have no further obligation to that potential winner and an alternate winner may be randomly selected from among all remaining eligible Sweepstakes entries, if time permits. The Released Parties are not responsible for electronic communications that are undeliverable as a result of any form of active or passive filtering of any kind, or insufficient space in entrant’s email account to receive email messages. By participating, entrants agree to be bound by these Official Rules and agree that Released Parties and each of their respective designees and assigns and all of their respective officers, directors, employees, shareholders, representatives, agents, and the franchisees of any of them shall have no liability and entrant will defend, indemnify and hold harmless the Released Parties from and against any liability, loss, injury, or damage of any kind (including attorney’s fees) to any person or entity, including, without limitation, personal injury, death or damage to personal or real property, due in whole or in part, directly or indirectly, by reason of (i) entrant’s entry/participation into the Sweepstakes; (ii) any materials he or she may submit in connection herewith; (iii) the acceptance, possession, use or misuse of a prize (or portion thereof) or participation in any activities associated with the Sweepstakes or any prize (or portion thereof) awarded in connection herewith, including, without limitation, travel to/from/during the Trip and the lodging, activities and events of the Trip; (iv) the Released Parties’ violation of rights of publicity or privacy, claims of defamation or portrayal in a false light or based on any claim of infringement of intellectual property; and (v) any typographical, human or other error in the printing, offering, selection, operation or announcement of any Sweepstakes activity and/or prize. The Released Parties are not responsible for the actions of entrants in connection with the Sweepstakes, including entrants’ attempts to circumvent the Official Rules or otherwise interfere with the administration, security, fairness, integrity or proper conduct of the Sweepstakes. Sponsor reserves the right, in its sole discretion, to void any and all entries of an entrant who Sponsor believes has attempted to tamper with or impair the administration, security, fairness, or proper play of this Sweepstakes and to modify, suspend, and/or terminate this Sweepstakes (or portion thereof) should virus, bugs, non-authorized human intervention or other causes corrupt or impair the administration, security, fairness or proper play of the Sweepstakes and, in the case of termination, at its discretion, select potential winners via a random drawing from among all eligible, non-suspect entries received prior to the event that required such termination. In the event Sponsor or Administrator is prevented from continuing with the Sweepstakes by any event beyond its control, including, but not limited to, fire, flood, epidemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, communications or equipment failure, utility or service interruptions, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared), interference with the Sweepstakes by any party, or any federal, state, or local government law, order, or regulation, order of any court or jurisdiction, or other cause not reasonably within Sponsor’s and/or Administrator’s control (each, a “Force Majeure” event or occurrence), Sponsor shall have the right to modify, suspend or terminate the Sweepstakes or prize. Sponsor and Administrator additionally reserve the right, in their sole and absolute discretion: (a) to modify, suspend or terminate the Sweepstakes should causes beyond Sponsor’s or Administrator’s control corrupt or interfere with the administration, integrity, operation, security or proper play of the Sweepstakes; or (b) to disqualify any entrant found to be, or suspected of (i) tampering with the entry process or the operation of the Sweep; (ii) acting in violation of these Official Rules; or (iii) acting in an un-sportsmanlike manner. CAUTION: Any attempt to undermine the legitimate operation of this Sweepstakes is a violation of criminal and civil laws and should such an attempt be made, the Sponsor and the applicable Released Parties reserve the right to seek damages (including attorneys’ fees) and/or other remedies from any such person(s) responsible for the attempt to the fullest extent permitted by law.  Released Parties make no warranty, guaranty or representation of any kind concerning any prize (or any portion thereof) and disclaim any implied warranty. Without limiting the generality of the foregoing, entrants agree that the Released Parties: (a) maintain no control over the personnel, equipment or operation of any transportation company, hotel, manufacturer or other person or entity furnishing services, products or accommodations (“Suppliers”) as a part of the prizes provided in connection with the Sweepstakes; and (b) will not be responsible or liable for any injury, damage, loss, expense, accident, delay, inconvenience or other irregularity that may be caused or contributed to: (i) by the wrongful, negligent or unauthorized act or omission on the part of the Suppliers or any of their agents, servants, employees or independent contractors, (ii) by any defect in or failure of any vehicle, equipment, instrumentality, service or product that is owned, operated, furnished or otherwise used by any of those Suppliers, (iii) by the wrongful, negligent or unauthorized act or omission on the part of any other person or entity not an employee of the Released Parties, and (iv) by any cause, condition or event whatsoever beyond the control of the Released Parties. Sponsor’s or any other Released Party’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision. Except where prohibited by law, entrant agrees that any and all disputes, claims and causes of action arising out of, or connected with, the Sweepstakes or any prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the appropriate court located in the State of New York. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, entrant’s rights and obligations, or the rights and obligations of the Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of New York, without giving effect to any choice of law or conflict of law rules. The remedy for any claim shall be limited to actual damages, and in no event shall any party be entitled to recover punitive, exemplary, consequential, or incidental damages, including attorney’s fees or other such related costs of bringing a claim, or to rescind this agreement or seek injunctive or any other equitable relief. The invalidity or unenforceability of any provision of these Official Rules will not affect the validity or enforceability of any other provision. In the event that any provision of the Official Rules is determined to be invalid or otherwise unenforceable or illegal, the other provisions will remain in effect and will be construed in accordance with their terms as if the invalid or illegal provision were not contained herein. Entrants agree to waive any rights to claim ambiguity of these Official Rules. Headings are solely for convenience of reference and will not be deemed to affect in any manner the meaning or intent of the documents or any provision hereof. In the event there is a discrepancy or inconsistency between disclosures or other statements contained in any Sweepstakes-related materials, and the terms and conditions of the Official Rules, the Official Rules shall prevail, govern and control and the discrepancy will be resolved in Sponsor’s sole and absolute discretion.

 

Name of Winner: For the winner’s name, send a self-addressed, stamped envelope to be received by 4/6/23 to: 2022 Mastercard Golf Sweepstakes Winner, 211 Greenwood Ave. 2-2, Promo 501, Bethel, CT 06801.

 

Mastercard and Start Something Priceless are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated.

All third-party trademarks belong to their respective owners.

The use of any non-Sponsor trademarks, service marks, logos, or other marks in connection with this Sweepstakes or any prize is not meant by Sponsor to imply the endorsement of the respective owner(s) of such marks, or any affiliation of the respective owner(s) of such marks with Sweepstakes advertisements or the Sweepstakes.

Pebble Beach®, Pebble Beach Resorts®, and their distinctive images and hole designs are trademarks, service marks and trade dress of Pebble Beach Company. Used by permission.

 

 

Sponsor: Mastercard International Incorporated, 2000 Purchase Street, Purchase, NY 10577.

Administrator: teamDigital Promotions, Inc., 6 Berkshire Blvd, Bethel, CT 06801, www.teamDigital.com.