Official Full Rules and Regulations of the Co-operators Wealth Email Subscriber Monthly Incentive Contest 2022-2023 (the “Contest”)

The Co-operators Wealth Email Subscriber Monthly Incentive Contest 2022-2023 (the “Contest”) begins September 1, 2022 at 12:01 a.m. E.T. and ends on December 31, 2023 at 11:59 p.m. E.T. (the “Contest Period”). The deadline for receiving Contest entries is December 31, 2023 at 11:59 p.m. E.T (the “Entry Deadline”). The Contest is sponsored by Co-operators Life Insurance Company (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

1.1   Eligible individuals may enter the Contest in any one of the following ways:

1. Email sign-up: All those who subscribe to either the Weekly Investment Update series or the Investment Knowledge series (“Wealth Email Series”) during the Contest Period are automatically entered in the Contest. Being a client of Co-operators will not in any way whatsoever increase or otherwise impact your chances of winning in this Contest.
2. No purchase necessary: To enter the Contest without subscribing to the Wealth Email Series during the Contest Period, submit your hand-printed name, address, city, province or territory, postal code, telephone number, email address, and a unique and original 50-word or more handwritten essay on "What does investing in your future mean to you?" and mail it in an envelope bearing sufficient postage to: Co-operators “Wealth Email Subscriber Monthly Incentive Contest”, c/o Marketing Programs, 130 Macdonell Street Guelph, ON N1H 6P8. Upon receipt of your entry, you will be automatically enrolled in the Contest. To be eligible, your entry must be received by the Contest Sponsor on or before the Entry Deadline. No typed, facsimile, mechanically printed or mechanically reproduced entries will be accepted. Only one entry per household will be accepted.
   
   By participating in the Contest and submitting an essay, you represent and warrant that you have all necessary right, title and interest in and to the contents of your essay, the essay has not been previously published, does not infringe on the intellectual property rights of a third party, and does not defame or invade the publicity or privacy rights of any third party. You agree to indemnify and hold the Contest Parties (as defined below) harmless from any claims to the contrary. You acknowledge and consent that your entry and essay may be posted by Co-operators on its website or otherwise in its marketing, on social media or in any other medium, in Co-operator’s sole discretion, but without obligation. You have the right and authority to, and do hereby, grant to Co-operators and its affiliated company an irrevocable, non-exclusive, royalty-free worldwide license in perpetuity to reproduce, store, copy, broadcast, display, distribute, edit, alter, combine with other material, public, post, commercialize and/or otherwise use without limitation all or any part of the entry in Co-operators’ promotional materials and communications, and you waive any moral rights that you may have in and to the entry and essay with respect to the uses contemplated herein, and you agree to release and hold harmless Co-operators from and against any claims based on publicity rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other intellectual property related cause of action that relates in any way to Co-operators’ use of the entry and essay.

Only one entry per person and per household is permitted during the Contest Period, regardless of method of entry. Such entry remains valid for the duration of the Contest unless drawn or otherwise disqualified in accordance with these Contest Rules.

2. PRIZES

2.1   The prizes to be awarded: Each month, three (3) prizes in the amount of a one hundred dollar ($100) gift card will be awarded for each of the sixteen (16) calendar months of the Contest Period, for a total of four thousand eight hundred dollars ($4,800) in prizes during the Contest Period. Each prize will be issued in the form of an electronic 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 to by the confirmed winner and Co-operators. The applicant will have 90 days to redeem the gift card. If the gift card is not redeemed in 90 days the gift card is void.

2.2   The odds of winning prize: The odds of winning will depend on the number of qualifying entries received during the Contest Period. The total number of prizes available to be won, and the odds of winning any particular prize, will diminish as prizes are claimed.

2.3   The draw: Sixteen (16) random draws will be made by Co-operators in Guelph, ON from all eligible entries each month during the Contest Period. The sixteen (16) random draws will be made in accordance with the schedule below (each a “Draw Date”):

• October 17, 2022 – 2pm
• November 15, 2022 – 2pm
• December 15, 2022 – 2pm
• January 16, 2023 – 2pm
• February 15, 2023 – 2pm
• March 15, 2023 – 2pm
• April 17, 2023 – 2pm
• May 15, 2023 – 2pm
• June 15, 2023 – 2pm
• July 15, 2023 – 2pm
• August 17, 2023 – 2pm
• September 15, 2023 – 2pm
• October 16, 2023 – 2pm
• November 15, 2023 – 2pm
• December 15, 2023 – 2pm
• January 15, 2024 – 2pm

The selected entrant 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. A person may not be declared a winner more than once, regardless of the number of draws.

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   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, including Quebec. 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   Employees, agents representatives and mandatories of the Contest Sponsor, their respective affiliates, subsidiaries, advertising and promotional agencies, the immediate family members of the foregoing, and those with whom any of the foregoing are domiciled, are not eligible.

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 game card 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 “Wealth Email Subscriber Monthly Incentive Contest”, c/o Marketing Programs, 130 Macdonell Street 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 and the approval of the Régie des alcools, des courses et des jeux (the “Régie”) when applicable in Québec, 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.

4.12   Any litigation respecting the conduct or organization of a publicity contest may be submitted to the Régie des alcools, des courses et des jeux for a ruling. Any litigation respecting the awarding of a prize may be submitted to the board only for the purpose of helping the parties reach a settlement.

4.13   The French version of the Rules can be accessed at www.cooperators.ca/fr-CA/PublicPages/grp/wealth-email-contest-rules. In the event of any discrepancy or inconsistency between the English and French versions of these Contest Rules or any documentation, instructions or advertising relating to this Contest, the terms and conditions of these English Contest Rules shall govern, prevail and control to the fullest extent permitted by law.

5. PRIVACY

5.1   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; and

5.2   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.

5.3 For more information regarding the privacy policy of the Contest Sponsor, please review our privacy policy available at www.cooperators.ca/en/PublicPages/Privacy or send a stamped self-addressed envelope with a request for a copy of the Contest Sponsor’s privacy policy to Co-operators Privacy Office, 130 Macdonell Street, Guelph, ON, N1H 6P8.

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.