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SPONSOR: The 2021 Broker Advantage Contest (the “Contest”) is sponsored by Cowan Insurance Group, 705 Fountain St. North, Cambridge, Ontario, N1R 5T2 (the “Sponsor”).
ELIGIBILITY: The Contest is 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 the Sponsor’s Affiliate, 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 the Sponsor’s 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 Sponsor’s 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 Wednesday, June 1, 2021 at 12:01 a.m. EST. Contest closes on Monday, August 31, 2021, at 11:59 p.m. EST (“Contest Period”).
CONTEST PRIZE: Three (3) $100 (CAD) Visa gift cards. Cowan Insurance Group reserves the right, at its own discretion, to substitute a prize of equal value.
HOW TO ENTER: Submit a request for a Pleasure Craft Marine or High Risk Residential quote to our Broker Services team. Requests must meet our underwriting guidelines and a valid quote must be issued to qualify. There is no requirement to bind.
One (1) entry per High Risk Residential quote.
Two (2) entries per Pleasure Craft Marine quote.
There is no limit to the amount of entries a participant can have during the contest period.
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 Sponsor’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.
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.
ODDS OF WINNING: The odds of winning depend on the number of eligible entries received before the Contest Closing Dates.
RANDOM DRAW AND WINNER CONFIRMATION: Random draws will take place by 10:00 a.m. EST, July 5, 2021, August 4, 2021 and September 1, 2021, at 705 Fountain St. North, P.O. Box 1510, Cambridge, Ontario, N1R 5T2, by an employee of the Sponsor from all eligible entries received. Winner will be notified by phone or email by 5:00 p.m. EST, on the day following the draw.
The individual chosen by random draw (“Selected Entrant”) will be deemed winner 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; and (ii) comply with all Contest Rules. If a Selected Entrant: (a) fails to correctly answer the skill-testing question; (b) fails to comply with all Contest Rules; and/or (c) 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 Entrant will be contacted by telephone or email by 5:00 pm EST, on the day following the draw(s). Selected Entrant will be contacted using the telephone number or email address provided at the time of entry into the Contest. If a Selected Entrant cannot be contacted within two (2) 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 by the Sponsor.
RELEASE AND INDEMNIFICATION: Each winner must complete the Sponsor’s 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 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) 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; (iv) 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 (v) late, lost, misdirected or unsuccessful efforts to notify a potential winner.
CONDUCT: The Sponsor reserves the right, in its 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 its 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 to the Sponsor, its Affiliates, agents, representatives or marketing partners. 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.
OTHER CONDITIONS: The Sponsor 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, 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 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 Sponsor with respect to this Contest, as may be edited or modified by the Sponsor in Sponsor’s sole discretion, without further notice or compensation, and to receive marketing materials via mail or telephone from the Sponsor. 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 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 Cambridge, Ontario.
Rule amendments: The Sponsor reserves the right, in its 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 Sponsor corrupts, or threatens to corrupt, the security or proper administration of the Contest.
Privacy: By entering this Contest, Sponsor may collect entrant’s name, and telephone number to administer entrant’s participation in the Contest, and/or for Contest promotional purposes, and in accordance with Sponsor’s privacy statement. The Sponsor may also use entrant’s name and telephone number to provide entrant with marketing materials via mail or telephone unless the entrant has indicated their preference to opt-out by checking the appropriate box on the entry form. Entrants may subsequently withdraw their consent to receive marketing materials at any time without affecting their odds of winning in the Contest.
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. 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.
Discrepancy: In the event of any conflict, discrepancy or inconsistency between the terms and conditions of this written version of the Contest Rules (the “Rules”) and disclosures or other statements contained in any other Contest-related materials, including, without limitation, verbal instructions from the Sponsors employees, agents or affiliates, print, online or other advertising, the terms and conditions of these Rules shall prevail, govern and control.