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Co-operators Contest Rules

The Co-operators OLS Client Survey Contest (the “Contest”) begins June 6th, 2024 at 12:01 a.m. E.T. and remain active until June 20th 2024 at 11:59 p.m.

The Contest is sponsored by The Co-operators Group Limited (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

Eligible individuals may enter the Contest by successfully completing the OLS Client Survey (“Survey”). All those who complete the Survey during the allocated time above are entered into the Contest.

Only one entry per person and per household is permitted during the Contest Period. No purchase is necessary.


2. Prizes

2.1 The prizes to be awarded: (10) prizes in the amount of a one hundred Canadian dollar (CDN $100) gift card will be awarded, for a total of one thousand dollars ($1,000) in prizes. The random draw will take place July 15th 2024 at 2pm ET.

Each prize will be issued in the form of an Amazon gift card emailed to the confirmed winner and will be distributed to such confirmed winner by their insurance agent, by a Co-operators representative, or otherwise as agreed by the confirmed winner and Co-operators.

2.2 The odds of winning prize: The odds of winning will depend on the number of qualifying entries received during the Contest Period. Entries must be received by June 20th 2024 at 11:59 p.m.

2.3 The selected entrants will be notified by email and three (3) attempts will be made to contact the selected entrant over five (5) business days after the Draw Date. 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;

  2. to sign and return the Contest Sponsor’s declaration and release form within five(5) days of having received it which is 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. confirm that he or she meets the eligibility conditions and other requirements of 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 No interest will be paid on any cash prizes.

2.9 All taxes, fees, and surcharges on prizes are the sole responsibility of the prize winner.

2.10 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

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

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

3.3 The directors, officers, representatives, agents and employees of Co-operators and its subsidiaries, affiliates, advertising and promotion agencies, involved partners, prize, material and service providers for this contest or other parties directly involved in this Contest, distributors authorized by Co-operators or an insurer of Co-operators Group as well as the immediate family members of the aforementioned individuals (for the purpose of this Contest, immediate family members include the children, brothers and sisters, mother, father, legal or common-law spouse and all individuals residing with said employees, representatives and agents) are not eligible to enter.


4. General provisions

4.1 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.

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

4.3 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.

4.4 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.

4.5 A maximum of one prize will be awarded for each eligible survey completion or Contest entry. A maximum of one prize will be awarded to an individual.

4.6 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 Co-operators “OLS Client Survey Contest”, c/o Marketing Programs, 130 Macdonell St., Guelph, ON N1H 6P8.

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

4.8 Entry forms and prize claims are subject to verification and any entry form 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

4.9 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.

4.10 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.

4.11 Subject to applicable law, Co-operators reserves the right in its sole discretion to modify, amend, cancel, suspend or terminate this Contest, with no obligation or liability, should a cause beyond the reasonable control of Co-operators corrupt the security or proper administration of the Contest or any other reasons. Such modification could include Contest timeframes, dates and/or mechanics of entries.


5. Privacy

5.1 By entering into the Contest, you consent to the collection, use and sharing of information about you between the Contest Sponsor and its agents and representatives for the sole purpose of administering the Contest.

5.2 By entering the Contest, individual entrants expressly consent to Co-operators and its representatives collecting, storing, sharing and using the personal information submitted during registration for the purposes disclosed in these rules and regulations, for the purpose of administering the Contest and in accordance with Co-operators Privacy Policy (available at www.cooperators.ca/en/PublicPages/Privacy.aspx), unless agreed otherwise.


6. limitations on liability

6.1 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.

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

6.3 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

7.1 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.