SHARE YOUR GROUP ADVANTAGE SWEEPSTAKES
Contest Rules & Regulations

NO PURCHASE OF ANY KIND IS NECESSARY TO ENTER OR WIN. MAKING A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.

  1. Sponsor

The Share Your Group Advantage Sweepstakes (the "Contest") is sponsored by MyGroup Insurance Broker Ltd. (“the Sponsor”).
 
  1. Eligibility

The Contest is open to eligible members of professional or occupational associations, alumni associations, non-profit organizations, trade unions, or employment groups that have entered into an approved group automobile or home insurance program ("Eligible Groups") with the Sponsor at time of entry. Individuals that meet the criteria to join an Eligible Group, but that are not members of Eligible Groups at time of entry, may enter by submitting an essay of 50 to 100 words in length, as provided in Section 4 (How to Enter), but must otherwise comply with all Contest Rules.
Open to legal residents of Canada over the age of majority in their province of residence at time of entry excluding residents of Quebec, the Northwest Territories, Nunavut, Yukon, Newfoundland and Labrador or employees of the Sponsor or their Affiliates (as defined by the Insurance Companies Act (Canada), as amended), or the spouses, partners, children or persons residing with such employees.
By participating in this Contest, entrants acknowledge compliance with and agree to be bound by all Contest Rules. Entrants who do not comply with any of the Contest Rules are subject to disqualification by the Sponsor, in their sole discretion, whose decisions shall be final.
By participating in this Contest, each entrant expressly grants the sponsor, its Affiliates, agents, representatives, and marketing partners the right to print, publish, broadcast and use worldwide in any media format now known or hereinafter developed at any time(s), including but not limited to, the World Wide Web, the sponsor’s Internet websites and social media pages their name, comments, city/town and province of residence, written entry (if applicable, as may be edited in their sole discretion), image, voice or video camera footage for any news, advertising, marketing or publicity purposes with respect to this Contest, without further notice, compensation or review by entrant.
 
 
  1. Contest dates and times

Contest begins on May 21, 2019 at 12:01 a.m. EST. Contest closes on March 31, 2020 at 11:59 p.m. EST ("Contest End Date"), after which time the Contest will be closed and no further entries will be accepted. Closing dates for individual prizes are as follows:
  • One (1) prize of $200 payable by cheque on each of the following closing dates (each a Contest closing date):
    • July 31, 2019
    • September 30, 2019
    • November 30, 2019
    • January 31, 2020
    • March 15, 2019
  • One (1) Grand Prize of $5000 payable in the form of a cheque/gift card. 
After each of the above closing dates (collectively, the "Contest Closing Dates") the Contest will be closed for the prizes available to be won during the respective prize period to which such Contest Closing Date corresponds and entries received after such Contest Closing Date shall not be eligible to win such prizes. The sole determinants of time for the purpose of a receipt of a valid entry will be physical receipt of a Written Submission (for mail entries) or live receipt of a telephone call by the Sponsor, an authorized representative, or telephone operator (for telephone entries) as provided by the Sponsor, in their sole discretion.
 
  1. How to enter

Insurance Policy/Quotation Entry Method: Members of Eligible Groups at time of entry can enter by calling MyGroup Insurance Broker Ltd. and: (i) providing the expiry date of their automobile or home insurance policy; (ii) requesting an automobile or home insurance quote from the Sponsor; or (iii) entering as a current (at time of entry) automobile or home policy holder with the Sponsor (any such entry, an “Policy/Quotation Entry”).
Social Media Posting Entry Method: Members of Eligible Groups at time of entry can obtain one (1) additional entry into the contest for the Early Bird prizes as set out below in section 5(b) by sharing a photo/image of himself/herself  and/or a group of his/her friends, family, colleagues, using the sponsors  Facebook page (www.facebook.com/mygroupinsurance), and sending a tweet that contains the hashtag  #MyGroupAdvantage  (any such entry, an “additional entry”). Additional entries will not be included in the draw for the grand prize.  
Essay Entry Method: Entrants that at the time of entry: (i) are not members of Eligible Groups, but who otherwise meet the criteria to be able to join an Eligible Group (for example, they are a type of professional that could join a professional association for that type of profession where that professional association is also an Eligible Group) and who do not want to join such Eligible Group; or (ii) that are members of Eligible Groups and do not want to enter by completing the "Insurance Policy/Quotation Entry Method" as outlined above, can enter by submitting a written essay of 50 to 100 words in length on the topic of "the importance of insurance", along with their typed or printed complete name, telephone number and name of the Eligible Group to which they are a member or are eligible to join (collectively, the "Written Submission"), and sending the Written Submission by mail in a separate envelope with sufficient postage to Share Your Group Advantage Sweepstakes c/o MyGroup Insurance Broker Ltd, 100 Main Street, Suite 2030, Dartmouth, NS B2X 1R5, and must otherwise comply with all Contest Rules. Joining an Eligible Group is not a condition to winning any prize in this Contest.
For the purposes of this Contest, "receipt" of a policy/quotation entry occurs when: (i) a telephone operator as provided by the sponsor records the required information from an entrant and provides them with an insurance quote; or (ii) physical receipt by Sponsor of a Written Submission, both in the sponsors sole discretion.  All policy/quotation entries must be received live telephone operator and not by voicemail, fax or any other non-live means. All policy/quotation entries must include a complete name, telephone number and expiry date(s) of an automobile or home insurance policy, if entering by providing the expiry date(s) of an existing insurance policy(ies), to be a valid entry and are subject to verification by the sponsor in their sole discretion. Entrants requesting an insurance quote may be required to provide insurance policy information, claims history, driving record, number of years insured and/or the value of an automobile or home.
Limit one (1) Policy/quotation entry per person/per member of an eligible group.  By way of illustration, if a member of an eligible group has related household members, only one (1) of them may enter the contest.  Limit one (1) written submission per person during the contest period for entrants who are not members of an eligible group.  Limit one (1) additional entry per person/member of an eligible group per early bird prize, during the Contest Period.  Limit of two (2) prizes per person/member:
  • One (1) $200 prize.
  • One (1) $5,000 prize.
 
Twitter membership is free and subject to member’s acceptance of the Twitter terms of service found at https://twitter.com/tos.  All information submitted by entrants on Twitter is being collected by Twitter Inc. and is subject to Twitter, Inc.’s terms of use and/or privacy policy.  Facebook membership is free and is subject to the member’s acceptance of the Facebook terms of service, found at https://facebook.com/terms.  All information submitted by entrants on Facebook is being collected by Facebook Inc. and is subject to Facebook, Inc.’s terms of use and/or privacy policy. 
Any attempt or suspected attempt to use robotic, automatic, programmed or otherwise illicit means to enter the Contest, or any other methods not authorized by these Contest Rules, including, but not limited to, creating multiple accounts, identities, or registrations, all in the sponosr’s sole discretion, shall be deemed as tampering and may disqualify you from entering, participating and/or winning a prize. Entries that contain false or incomplete information are void. Entries that are late, lost, stolen, illegible, contain false information, are damaged, misdirected, mutilated, garbled or incomplete, altered or otherwise irregular or that do not conform with or satisfy any or all of the conditions of the Contest Rules will be deemed void. All entries become the property of the sponsor upon receipt and none will be returned. No correspondence will be entered into except with selected entrants.
 
  1. Contest Prizes

There are a total of six (6) prizes available to be won during the contest (each a “prize”) consisting of:
  1. The grand prize:  One (1) $5000 cheque/gift card 
  2. The Early bird prize: Five (5) prizes of $200, awarded as cheques payable to each person who is verified by the sponsor as a winner and has complied with all contest rules.
Each prize is non-transferable, non-refundable and non-changeable once issued, must be accepted as awarded.  The Sponsor reserves the right to award alternative prizes of the same or greater value instead of each prize.  
All winners assume any and all liability for the death of bodily injury or damage, loss or destruction of any real or physical personal property caused, or claimed to be caused, by entering or participating in this Contest or use or redemption of a prize.  
The prizes (or any portion thereof) cannot be combined with other discounts, promotions or special offers. Winners may not transfer, modify, or substitute any prizes.  Winners must submit a completed copy of The Contest Declaration of Eligibility and Liability/Publicity Release form (“Release”) to the sponsor and accept prizes no later than ten (10) business days of being notified of winning.
 
  1. Odds of winning

The odds of winning depend on the number of eligible entries received before the Contest closing Dates.

 

  1. Random draws and winner confirmations

Random draws will take place at 9:00 a.m. EST at 100 Main Street, Suite 2030, Dartmouth, NS B2X 1R5, by an employee of the sponsor from all eligible entries received before each Contest Closing Date, with draw dates for each prize as set out below.
Draws will take place, as applicable, following each respective Contest Closing Date (as set out in Section 3), as follows:
  • Five (5) early bird prize draws of $200 payable by cheque on each of the following dates:
  • August 7, 2019
  • October 7, 2019
  • December 6, 2019
  • February 7, 2020
  • March 23, 2020
 
A draw on April 15, 2020 for the Grand Prize one (1) CAD $5000 cheque/gift card
Each individual chosen by random draw ("Selected Entrants") will be deemed winners if they meet all of the eligibility criteria set out in these Contest Rules. If a Selected Entrant does not meet the eligibility criteria, he/she will be disqualified and will not receive a prize and another entrant will be selected by way of a random draw, in which case all Contest Rules will apply to such new Selected Entrant. Before being declared a winner, a Selected Entrant will be required to: (i) correctly answer, without assistance of any kind whether mechanical or otherwise, the Sponsor's time-limited mathematical skill-testing question to be administered during a pre-arranged telephone call; (ii) comply with all Contest Rules; and (iii) sign and return or submit, as applicable, a completed copy of the Contest Release, all in the sole discretion of the sponsor. If a Selected Entrant: (a) fails to correctly answer the skill-testing question; (b) fails to comply with all Contest Rules; (c) fails to sign and return the Contest Release; and/or (d) cannot accept the prize for any reason; then he/she will be disqualified and will not receive a prize and another entrant will be selected by way of a random draw (in which case all Contest Rules will apply to such new Selected Entrant).
Each Selected Entrant will be contacted by telephone or email within ten (10) business days of the respective draw date. Selected Entrants will be contacted using the telephone number/email address provided at the time of entry into the Contest. If a Selected Entrant cannot be contacted within ten (10) business days, another Selected Entrant will be chosen by random draw (in which case all Contest Rules will apply to such new Selected Entrant). The sponsor is not responsible for the failure for any reason whatsoever of a Selected Entrant to receive notification.
Limit one (1) early bird prize per person.  Each selected entrant for one (1) of the five (5) early bird prizes is eligible for the draw for the grand prize.
 
  1. Release and indemnification

Each winner must complete the Contest Release to: (i) confirm compliance with all Contest Rules; (ii) agree to accept the prize as awarded; (iii) release, discharge and hold harmless the Sponsor and Economical Mutual Insurance Company, Waterloo Insurance Company, Facebook Inc. (“facebook”), Twitter (“twitter”) and each of their Affiliates, franchisees, advertising and promotional agencies, counsel, marketing partners and each of their and their Affiliates’ respective directors, officers, employees, shareholders, Affiliates, successors, partners, agents, advisors, suppliers, distributors and assignees ("Released Parties") from and against any and all manner of liability, action, cause of action, claim or demand, loss or injury, use or misuse of a prize, suit, debt, covenant, contract, including legal fees and expenses, including but not limited to, claims based on negligence, breach of contract and fundamental breach, failure of any third party contractor or supplier used in connection with any aspect of the Contest to perform or deliver any goods or services, any act of God or any other event beyond the Released Parties' control, any dissatisfaction of any kind by a winner with any aspect of the Contest or any prize, liability for physical injury, death, or property damage which the entrants, their heirs, successors or assigns have, might have or could have suffered, by reason of or arising out of the entrant's participation in the Contest and/or in connection with the acceptance and/or exercise by the entrant of the prizes as awarded; and (iv) indemnify the Released Parties against any loss, damage or expense, including legal fees, that any of the Released Parties may suffer or incur as a result of any non-compliance by an entrant with any of the Contest Rules or participation in the Contest and/or in connection with the acceptance and/or exercise by an entrant of a prize.
The sponsor is not responsible for: (i) incorrect or inaccurate entry information which may affect a person's ability to participate in the Contest or be awarded a prize, including but not limited to human error, technical malfunctions, lost or delayed entries for any reason, mail failures, omission, or any combination thereof, and entries which fail to fully comply with these Contest Rules; (ii) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in telephone lines or network hardware or software; (iii) lost, stolen, incomplete, damaged, delayed, mutilated or misdirected entries or Releases either prior to or after delivery to the sponsor; (iv) injury or damage to the entrant's computer or to any other individual's computer related to or resulting from participating in, or downloading any material regarding the Contest or accepting a prize; (v) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from entrant's participation in the Contest or receipt or use or misuse of any prize; (vi) the security or privacy of information transmitted via computer networks or for breaches of privacy due to interference by third party computer "hackers" or otherwise; or (vii) late, lost, misdirected or unsuccessful efforts to notify a potential winner.
 
  1. Conduct

The Sponsor reserves the right, in their sole discretion, to disqualify any entrant it finds to be: (i) violating these Contest Rules; (ii) tampering or attempting to tamper with the entry process or the operation of the Contest; (iii) acting in an un-sportsperson-like or disruptive manner, or with the intent to annoy, abuse, threaten or harass any other person. Further, should a Selected Entrant be awarded a prize following which it has been determined by the sponsor, in their sole discretion, that the Selected Entrant has made a false statement in its Release or failed to comply with these Contest Rules, the Selected Entrant shall return upon demand the prize. Any attempt by an entrant or any other individual to undermine the legitimate operation of the Contest may be a violation of criminal and/or civil laws. Should any such attempt be made, the sponsor reserves the right to seek remedies and damages to the fullest extent permitted by law.
 
  1. Restrictions

Digital photographs submitted and shared in connection with this contest must conform to the following guidelines:
  1. Printed photographs and/or black and white photographs will not be accepted;
  2. Entries must be a high resolution and at least 500 pixels wide.  The maximum file size is 10MB. All photos must be in .jpg format.
  3. Photos must be cropped and rotated as necessary provided the rectangular format is maintained and the size of the photograph is within the specifications set out herein;
  4. Phots may be resized provided the aspect ratio is maintained;
  5. Red-eye removal and spot editing is permitted;
  6. Use of filters to sharpen, soften, blur, despeckle or remove noise is permitted;
  7. No borders or frames may be added to photos;
  8. No watermarks, signatures or copyright notices may be added to images; and
  9. Artistic filters are not permitted
 
  1. Other conditions

The sponsor reserves the right, in its sole discretion, to amend these contest rules, or to modify, cancel or suspend this contest at any time, without prior notice, for any reason whatsoever.  Without limiting the foregoing, if, for any reason, the Contest is not capable of running as originally planned, the sponsor reserves the right to cancel the Contest and conduct a random draw from all previously received eligible entries received by the relevant Contest end Date.


Publicity

By participating in the Contest, each entrants expressly grants the sponsor, its affiliates, agents, representatives, and marketing partners the right to print, publish, broadcast and use in any media format now know or hereinafter developed, including but not limited to the world wide web, websites or social media pages, at any time(s) their name, comments, city/town and province of residence, Written Submission (if applicable) and image on videotape, photograph or other means in any news, advertising, marketing or publicity carried out by the sponsor with respect to this Contest, as may be edited or modified by the sponsor in their sole discretion, without further notice or compensation, or review by the entrant and as may be edited by the sponsor in its sole discretion and to receive marketing materials via mail or telephone from the sponsor, or its Affiliates. Individuals may subsequently withdraw their consent to receive marketing materials at any time without affecting their odds of winning in the Contest.

Law

The Contest is void in Quebec, Northwest Territories, Nunavut, Yukon, Newfoundland and Labrador and where prohibited by law.  It is subject to all applicable Canadian federal, provincial, municipal and local laws. This Contest and contest rules shall be governed exclusively by the laws of the province of Ontario, including all issues and questions concerning the construction, validity, interpretation and enforceability of these Contest Rules, rights and obligations between entrants and the sponsor, and procedural provisions, without giving effect to any choice of law or conflict of law rules. Any dispute shall be adjudicated by the courts sitting in Ontario.

Rule amendments

The sponsor reserves the right, in their sole discretion, to amend or modify these Contest Rules, or modify, cancel or suspend this Contest, without prior notice for any reason whatsoever, including without limitation in the event that any cause beyond the reasonable control of the corrupt, or threatens to corrupt, the security or proper administration of the Contest.

Privacy

By entering this Contest, the sponsor may collect entrant’s name, address, telephone number and information necessary to provide a quote (including insurance policy information, claims history, driving record, number of years insured and/or the value of an automobile or home), to administer entrant’s participation in the Contest, for Contest promotional purposes, and/or to provide an insurance quote, and in accordance with the privacy statement (available at: mygroup.ca/privacy-policy).
 

Intellectual Property

All intellectual property, including but not limited to trademarks, logos, designs, promotional materials, web pages, source codes, images, drawings, illustrations, slogans and representations are, unless otherwise indicated, owned by the sponsor, Economical Mutual Insurance Company and/or Waterloo Insurance Company. All rights are reserved. Unauthorized copying or use of any copyrighted material or other intellectual property without the express written consent of the Sponsor is strictly prohibited.

This contest is in no way sponsored, endorsed, administered by or associated with Facebook and/or Twitter.  Facebook and Twitter are completely released from all liability by each entrant in this contest.  All enquiries, comments and complaints relating to this contest must be directed to the sponsor and not Facebook or Twitter.

This contest is in no way sponsored or administered by Economical Mutual Insurance Company or Waterloo Insurance Company.  Economical Mutual Insurance Company and Waterloo Insurance Company are completely released from all liability by each entrant in this contest.  All enquiries, comments and complaints relating to this contest must be directed to the sponsor and not Economical Mutual Insurance Company or Waterloo Insurance Company

Language Discrepancy

In the event of any conflict, discrepancy or inconsistency between the terms and conditions of this English version of the Contest Rules (the "English Rules") and disclosures or other statements contained in any other Contest-related materials, including, without limitation, the French version of these Contest Rules and/or point of sale, print, online or other advertising, the terms and conditions of these English Rules shall prevail, govern and control.

© 2019 MyGroup Insurance Broker Ltd. All Rights Reserved.

Economical Select® is underwritten by Waterloo Insurance Company in Alberta, Saskatchewan, Manitoba, Ontario, and Quebec.  Economical® is underwritten by Economical Mutual Insurance Company in New Brunswick, Nova Scotia and Prince Edward Island.  Due to government insurance plans, Economical Select/Economical does not offer auto insurance in British Columbia, Saskatchewan or Manitoba.  Economical Select/Economical does not offer insurance in Newfoundland and Labrador, Northwest Territories, Nunavut or Yukon.  The agreement between Economical Select/Economical and your group sponsor may be terminated in accordance with its terms. Upon such termination, Economical Select/Economical will continue to provide the program to existing policyholders until their respective renewal dates.