CONTEST RULES

Co-operators Group Benefits contest (the “Contest”) begins May 11, 2025, at 8am EST and ends on May 14, 2025 at 5pm EST (the “Contest Period”). The deadline for receiving Contest entries is May 14, 2025 5pm EST (the “Entry Deadline”). The Contest is sponsored by Co-operators (the “Contest Sponsor”). No purchase is necessary to enter. Entry in the Contest constitutes acceptance of the terms, conditions and provisions set out below.

1. HOW TO ENTER

1.0 Eligible individuals may enter the Contest by following the instructions below:

Website. Log on to the website located at https://cooperators.ca/en/groupbenefitscontest on or before the Entry Deadline and follow the instructions to enter the Contest. Only one entry per email address will be accepted.


2. PRIZES

2.0 The prizes to be awarded consist of a:

2.1 (1) Visa Giftcard: Valued at $250.00

The total retail value of the prizes to be awarded is: $250.00

2.2 The odds of winning will depend on the number of qualifying entries received.

2.3 Draw. On May 16th, 2025 at 11am EST, in Ontario , a random draw will take place from all eligible entries. The selected entrant will be notified by email and phone number and three (3) attempts will be made to contact the selected entrant over two-weeks. If a selected entrant cannot be contacted in the manner described above, or if a selected entrant is not eligible or otherwise does not comply with the Contest Rules, their entry will be declared void and a further entry will be randomly selected.

2.4 To claim any prize, a selected entrant will be required:

  1. to correctly answer, without assistance of any kind, whether mechanical or otherwise, a time-limited mathematical skill-testing question; and

  2. to sign and return the Contest Sponsor’s release of liability releasing the Contest Sponsor, its affiliates and subsidiaries, advertising and promotional agencies, any judge or judges appointed by the Contest Sponsor, and in each case their respective directors, officers, owners, employees, agents, representatives, successors and assigns, from any liability in connection with the Contest or the acceptance, possession or use of the prize; and

  3. to sign and return an affidavit/certificate of eligibility to the effect that he/she is an eligible entrant and have complied in all respects with the Contest Rules.

2.5 If a selected entrant is ineligible, or fails to comply with the provisions described above within the proscribed time limit, the prize will be forfeited and an alternate selected entrant may be selected.

2.6 All prizes must be accepted as awarded. Prizes are not transferable or convertible into cash. No transfer, substitution or conversion of prizes will be allowed, except by the Contest Sponsor as described below.

2.7 Except as expressly represented or warranted herein, all prizes are provided to winners “as is” without any additional or further representation or warranty of any kind.

2.8 The Contest Sponsor reserves the right to substitute any and all prizes for prizes of equal retail value in the event that the intended prizes become unavailable for any reason beyond the reasonable control of the Contest Sponsor.


3. ELIGIBILITY

3.0 The Contest is open only to legal residents of Canada, excluding Quebec. The Contest is void where prohibited by law.

3.1 Participants must be at least the age of majority in their province of residence at the time of entry.

3.3 Representatives of the Contest Sponsor and their respective affiliates, are ineligible.


4. GENERAL PROVISIONS

4.0 By submitting an entry or claiming a prize, the participant agrees to be bound by all of the terms, conditions and provisions set out in these Contest Rules.

4.1 The Contest is subject to all applicable federal, provincial and municipal laws and regulations.

4.2 All decisions of the Contest Sponsor, and any judge or judges appointed by the Contest Sponsor, with respect to any aspect of the Contest shall be final and without appeal.

4.3 The Contest Sponsor accepts no liability whatsoever arising in respect of any individual’s participation in the Contest by any individual or the awarding or use of any prize.

4.4 A maximum of one prize will be awarded for each eligible game card or Contest entry. A maximum of one prize will be awarded to an individual.

4.5 A list of official Contest winners may be obtained by sending a self-addressed stamped envelope, during the one-year period commencing one month following the completion of the Contest Period to 151 North Service Rd, Burlington, ON L7R 4C2.

4.6 All entries and prize claims become the sole and exclusive property of the Contest Sponsor and will not be returned.

4.7 Entry forms, game cards and prize claims are subject to verification and any entry form, game card or prize claim that is received by the Contest Sponsor and is defaced, mutilated, illegible, forged, tampered with or altered in any way, contains printing errors, or has not been obtained through legitimate channels is automatically void.

4.8 Persons found to be tampering with or abusing any aspect of the Contest, as determined in the sole discretion of the Contest Sponsor, will be disqualified.

4.9 In the event that circumstances beyond the reasonable control of the Contest Sponsor result in the determination by the Contest Sponsor, in its sole discretion, that the fairness or integrity of the Contest has been materially compromised, the Contest Sponsor reserves the right to suspend, delay or terminate the Contest.


5. PRIVACY

5.0 By entering into the Contest, you consent to the collection, use and sharing of information about you.

  1. between the Contest Sponsor and its agents and representatives for the sole purpose of administering the Contest;

  2. to initiate, maintain and develop a relationship with you in connection with the offering of goods or services of the Contest Sponsor;

  3. to make available to you from time to time information, promotional material and other material which may be of interest to you

5.1 By entering into the Contest, you consent to the use and disclosure of your name and photograph, without compensation, by the Contest Sponsor for the purposes of the disclosure of the identity of prize winners and for the general promotional purposes of the Contest Sponsor in connection with the Contest.

5.2 For more information regarding the privacy policy of the Contest Sponsor, please review our privacy policy available at https://cooperators.ca/en/groupbenefitscontest or send a stamped self-addressed envelope with a request for a copy of the Contest Sponsor’s privacy policy to 151 North Service Rd, Burlington, ON L7R 4C2.


6. LIMITATIONS ON LIABILITY

6.0 The Contest Sponsor, its affiliates and subsidiaries, advertising and promotional agencies, any judge or judges appointed by the Contest Sponsor, and in each case their respective directors, officers, owners, employees, agents, representatives, successors and assigns, shall not, in any circumstances whatsoever, be liable for:

  1. any cost, liability, expense, injury, damage or claim of any kind, arising in connection with or related to the Contest or resulting from acceptance, possession or use of any prize including, without limitation, personal injury, death, and property damage, and claims based on publicity rights, defamation, or invasion of privacy; or

  2. any incidental, consequential, special or indirect damages, even if they have been advised of the possibility of such damages.

6.1 The Contest Sponsor will not be liable for late, lost, invalid, ineligible, illegible, incomplete, stolen, misdirected or postage due entries or prize claims.

6.2 The Contest Sponsor, assumes no responsibility for any problems or technical malfunction of any telephone network, telephone lines, computer online systems, servers, access providers, computer equipment, software, or the failure of any entry or prize claim to be received by the Contest Sponsor on account of technical problems or traffic congestion on the internet or at any website, or any combination thereof.


7. RELEASE

7.0 By entering into the Contest, each participant releases and holds harmless the Contest Sponsor, its affiliates and subsidiaries, advertising and promotional agencies, any judge or judges appointed by the Contest Sponsor, and in each case their respective directors, officers, owners, employees, agents, representatives, successors and assigns, from any and all liability in connection with or related to the Contest or resulting from acceptance, possession or use of any prize including, without limitation, personal injury, death, and property damage, and claims based on publicity rights, defamation, or invasion of privacy.

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