CONTEST RULES AND REGULATIONS

Pick your Prize Sweepstakes
2018 - 2019

 (THE "CONTEST RULES")
NO PURCHASE OF ANY KIND IS NECESSARY TO ENTER OR WIN. MAKING A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.
 

Sponsor

The 2018 - 2019 Pick Your Prize Sweepstakes (the "Contest") is co-sponsored by MyGroup Insurance Broker Ltd, 100 Main Street, Suite 2030, Dartmouth, NS B2X 1R5 (“MyGroup”) and Economical Insurance Company, 111 Westmount Road South, Waterloo, Ontario, N2L 2L6 (“Economical”).

 

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 MyGroup and Economical 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 MyGroup and Economical 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 MyGroup and Economical, in their sole discretion, whose decisions shall be final.

By participating in this Contest, each entrant expressly grants MyGroup and Economical, 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, MyGroup and Economical’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.

Contest dates and times

Contest begins on May 22, 2018 at 12:01 a.m. ET. Contest closes on March 31, 2019 at 11:59 p.m. ET ("Contest Period"). Closing dates for individual prizes are as follows:

  • September 8, 2018
  • December 28, 2018
  • March 29, 2019

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 MyGroup, an authorized representative, or telephone operator (for telephone entries) as provided by MyGroup, in their sole discretion.

 

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 MyGroup Insurance Broker Ltd.; or (iii) entering as a current (at time of entry) automobile or home policy holder with MyGroup Insurance Broker Ltd.

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 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 an entry occurs when: (i) MyGroup Insurance Broker Ltd records the required information from an entrant; or (ii) physical receipt by Sponsor or MyGroup Insurance Broker Ltd, as applicable, of a Written Submission, in MyGroup’s sole discretion. All telephone entries must be received live and not by voicemail, fax or any other non-live means. All 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 policy(ies), to be a valid entry and are subject to verification by MyGroup 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) entry per person during the Contest Period for any of the above entry options. Limit one (1) prize per person.

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 MyGroup’s sole discretion, shall be deemed as tampering and may disqualify you from entering, participating and/or winning a prize. Entry forms 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 MyGroup upon receipt and none will be returned. No correspondence will be entered into except with selected entrants.

Contest Prizes

A total of $6,000 CAD is available to be won: three (3) prizes of $2,000 CAD, each awarded in the form of a gift card redeemable at: a shopping mall, a travel agency or at a spa – at the winners’ choice.

Travel certificate prizes can be used for one or more travel arrangements and may include airfare, hotel accommodation and/or other travel in MyGroup’s sole discretion and are subject to the travel certificate provider’s (or providers’) terms and conditions. Travel certificates will only be awarded to the person who is verified by MyGroup as the winner and has complied with all Contest Rules. Travel certificates are non-transferable, non-refundable and non-changeable once issued, must be accepted as awarded and have no cash value. MyGroup reserves the right to award alternative prizes of the same or greater value instead of travel certificates.

All winners assume any and all liability for any injury or damage caused, or claimed to be caused, by entering, participating in this Contest or use or redemption of a prize. All prizes are non-transferable, non-refundable and non-changeable once issued, must be accepted as awarded and have no cash value. 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. MyGroup and Economical reserve the right to substitute an alternate prize of equal or greater value if an advertised prize is unavailable at time of award. Winners must submit a completed copy of The Contest Declaration of Eligibility and Liability/Publicity Release form (“Release”) to MyGroup and Economical and accept prizes no later than ten (10) business days of being notified of winning.

Odds of winning

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

Random draws and winner confirmations

Random draws will take place at 9:00 a.m. ET at 100 Main Street, Suite 2030, Dartmouth, NS B2X 1R5, by an employee of MyGroup from all eligible entries received before each Contest Closing Date, with draw dates for individual prizes as set out below.

Draws will take place, as applicable, following each respective Contest Closing Date (as set out in Section 3), as follows:

  • September 15, 2018
  • January 4, 2019
  • April 6, 2019
 (each a “Quarterly Contest Draw Date”).

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 MyGroup. 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).

The Selected Entrants will be contacted by telephone within ten (10) business days of the respective draw date. Selected Entrants will be contacted using the telephone number 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). MyGroup and Economical are not responsible for the failure for any reason whatsoever of a Selected Entrant to receive notification.

 

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 MyGroup and Economical, 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.

MyGroup and Economical are 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 MyGroup or Economical; (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.

Conduct

MyGroup 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 MyGroup, 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, MyGroup reserves the right to seek remedies and damages to the fullest extent permitted by law.

Other conditions

MyGroup reserves the right to terminate or amend this Contest at any time and in any way, without prior notice. Without limiting the foregoing, if, for any reason, the Contest is not capable of running as originally planned for any reason, MyGroup reserves the right to cancel the Contest and conduct a random draw from all previously received eligible entries received by the relevant Contest Closing Date.

Publicity

By participating in the Contest, entrants expressly consent to the use of their name, comments, city/town and province of residence, Written Submission (if applicable) and image on videotape, photograph or other means in any advertising, marketing or publicity carried out by the MyGroup and Economical with respect to this Contest, as may be edited or modified by MyGroup and Economical in their sole discretion, without further notice or compensation, and to receive marketing materials via mail or telephone from MyGroup and Economical, or their 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 where prohibited by law and subject to all applicable Canadian federal, provincial, municipal and local laws. This Contest 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 MyGroup and Economical, 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

MyGroup 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, MyGroup and Economical 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). MyGroup and Economical, or their Affiliates may also use entrant’s name, address and telephone number to provide entrant with marketing materials via mail or telephone. Entrants may subsequently withdraw their consent to receive marketing materials at any time without affecting their odds of winning in the Contest.

Intellectual Property

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 MyGroup or Economical. 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.

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.

© 2018 MyGroup Insurance Broker Ltd. All Rights Reserved.

Economical Insurance includes the following companies: Economical Mutual Insurance Company, The Missisquoi Insurance Company, Perth Insurance Company, Waterloo Insurance Company, Family Insurance Solutions Inc., Sonnet Insurance Company, Petline Insurance Company. Economical® is underwritten by Waterloo Insurance Company (underwritten by The Missisquoi Insurance Company in Quebec). Due to government insurance plans, Economical does not offer auto insurance in British Columbia, Saskatchewan or Manitoba. Economical does not offer insurance in Newfoundland and Labrador, Northwest Territories, Nunavut or Yukon. The agreement between Economical and your group sponsor may be terminated in accordance with its terms. Upon such termination, Economical will continue to provide the program to existing policyholders until their respective renewal dates. Discount rating is based on a standard Economical auto and/or home insurance policy with no previous discounts applied and does not take into consideration other insurance provider policy rates.. Limit one TimCard per person. Quote must be for a new home and/or auto policy. Tim Hortons is not a sponsor of this promotion and does not endorse it in any way. For full terms and conditions of the gift card, please visit timhortons.com. Tim Hortons® and TimCard® are registered trademarks of Tim Hortons. ©2018 Economical Insurance. All rights reserved. All Economical intellectual property, including but not limited to Economical® and related trademarks, names and logos are the property of Economical Mutual Insurance Company and/or its subsidiaries and/or affiliates and are registered and/or used in Canada. All other intellectual property is the property of their respective owners.