Condo Insurance Quiz Contest – Official Contest Rules


CONTEST SPONSOR: The Condo Insurance Quiz Contest (the “Contest”) is sponsored by Intact Insurance Company, with its registered office at 700 University Avenue, Suite 1300, Toronto, Ontario, M5G 0A1 (the “Sponsor”).

The Sponsor reserves the right to permit its subsidiaries and affiliated companies and each of their respective directors, officers, employees, agents, representatives, advertising or promotional agencies (the “Agents”) to perform all or any portion of the activities necessary in connection with this Contest.

WHO CAN ENTER: This Contest is open to any individual who during the Contest Period: (i) owns a condominium unit in a building managed by a property management company with a relationship with Cowan Insurance Group (“Cowan”) (the “Property Management Companies”); (ii) has been invited by the Contest Sponsor, the Property Management Companies, or Cowan to participate in the Contest by visiting the Sponsor’s condominium insurance microsite (the “Microsite”); (iii) is a legal resident of the Province of Ontario; and (iv) has reached the age of majority on the date that he or she is invited to participate in this Contest (“Eligible Participant”). Employees of the Sponsor, Cowan, or the Property Management Companies, their Agents, employees of any associated brokers, and members of their immediate families and persons with whom any of the foregoing are living in the same household are not eligible to participate in this Contest.

CONTEST PERIOD: The Contest starts on June 1st, 2016 at 12:01 a.m. EST (the “Start Date”) and ends on December 31st, 2016 at 11:59 p.m. EST (the “Close Date”). The period in which the Contest is open to entrants is referred to as the “Contest Period”.

HOW TO ENTER: NO PURCHASE NECESSARY. Any Eligible Participant who successfully completes and submits the Quiz during the Contest Period, will be entered into the Contest.

Only one entry per household is permitted. Any excess entries will be invalid for the purposes of the Contest draw.

The Sponsor is not responsible for lost, late, damaged, illegible, stolen, misdirected, misidentified, postage due or incomplete entries, for any problems or technical or mechanical malfunction of any telephone systems, computer on-line systems, servers, access providers, computer equipment, software, failure of any entry to be received by the Close Date on account of technical problems or traffic congestion on the Internet or at any website, or inaccurate entry information, whether caused by equipment, programming used in this Contest, human processing or otherwise, or any combination thereof. All contest entries become the property of the Sponsor and will not be returned.

RANDOM DRAW: At the end of the Contest Period, five (5) entries will be selected in a random draw from among all eligible entries received for the Contest. Draws will be conducted within one (1) week after the close of the Contest Period at the office of Intact Insurance Company. In order to be declared a winner, the selected entrant must meet all of the criteria described under “WINNER NOTIFICATION” and his/her entry must be verified by the Sponsor. The Sponsor reserves the right to require proof of age and jurisdiction of residence prior to awarding any prize.

PRIZES: At the end of the Contest Period, five (5) prizes will be available in the form of five (5) One Hundred Dollars ($100) Home Depot gift cards, for an aggregate value of Five Hundred Dollars ($500), and will be awarded to the entrants whose entries were selected in a random draw from among all eligible entries. The prizes are issued by mail. The prizes are non-transferable and non-assignable. Each prize must be accepted as awarded. No substitution of prizes is permitted except by the Sponsor. The prizes are subject to any restrictions from Home Depot. The odds of winning are dependent upon the number of invitations sent out to individuals who own a condominium through the Property Management Companies and the number of eligible entries received back.

WINNER NOTIFICATION: Attempts to contact the selected entrants will be made by email, telephone or mail within one (1) week of the draw. Each selected entrant will be required to meet all of the following criteria: (1) acknowledge by email, telephone or in writing his or her receipt of notification of eligibility for prize, (2) correctly answer a mathematical skill-testing question, (3) sign a standard form of Declaration of Compliance and Release confirming compliance with these Official Rules, and (4) return a signed Declaration of Compliance and Release to the Sponsor within ten (10) business days of the date on which the Declaration of Compliance and Release was sent to the selected entrant for signing. If no response from a selected entrant is received by the Sponsor within ten (10) business days of notification and/or these Official Rules are not complied with by a selected entrant, the prize will be forfeited and may be awarded to an alternate winner in a random draw selected from the remaining eligible entries.

GENERAL: The Sponsor is not responsible for any associated costs incurred by the selected entrants with claiming any prize. Each selected entrant is solely responsible for the reporting and payment of any and all taxes, if any, that may result in claiming a prize in this Contest.

Entries in any way tampered with, forged, mutilated, incomplete, illegible, photocopied or mechanically reproduced, or submitted by or through fraudulent means, may be disqualified, in the sole discretion of the Sponsor. This includes any entry that does not comply with these Official Rules in any respect.
Decisions of the Sponsor are final on all matters of fact, interpretation, eligibility, procedure and fulfillment in respect to this Contest. The Sponsor reserves the right at any time to withdraw this Contest or to modify, amend, change, or supplement these Official Rules, in their sole discretion, subject to applicable law.

In the event that the Sponsor cannot award the prizes as described herein, the Sponsor will replace the prizes with prizes of a similar nature and of equal or higher value, or at their sole discretion, the value of the prizes in cash.

By participating in this Contest, each selected entrant consents to the use by the Sponsor and its Agents of his/her name, hometown, age, and photograph for any lawful purpose, without further permission or compensation, except where prohibited by law. Each selected entrant agrees to abide by and be bound by these Official Rules.

Any personally identifiable information collected during an entrant’s participation in the Contest or Quiz will be collected and used by the Sponsor and its Agents for the purposes of the proper administration and fulfillment of the Contest as described in these Official Rules and for the purposes set forth in the Quiz. This information will be shared with Cowan for the purposes of following up with entrants regarding condominium insurance. This information will not be shared with any other third party except as required by law, or to conform with legal process or to protect or defend the legal rights or property of the Sponsor or as otherwise set forth in the Privacy Policy available at

The Sponsor, its Agents, and legal advisors are not responsible for and shall not be liable for: (1) telephone, electronic, hardware or software program, network, Internet, or computer malfunctions, failures, or difficulties of any kind; (2) failed, incomplete, garbled, or delayed computer transmissions; (3) any condition caused by events beyond the control of the Sponsor that may cause this Contest to be disrupted or corrupted; (4) any injuries, losses, or damages of any kind arising in connection with or as a result of the prize, or acceptance, possession, or use of the prize, or from participation in this Contest; or (5) any printing or typographical errors in any materials associated with this Contest. The Sponsor reserves the right, in its discretion, to suspend or cancel this Contest at any time if a computer virus, bug, tampering, unauthorized intervention, or other technical problem of any sort corrupts the administration, security, or proper play of this Contest. The Sponsor also reserves the right to disqualify, in its sole discretion, any person tampering with the entry process, the operation of the Website, or who is otherwise in violation of these Official Rules. Any attempt to undermine the legitimate operation of the Contest is a violation of criminal and civil laws. Should such an attempt be made, the Sponsor reserves the right to prosecute violators to the fullest extent allowable by law.

By participating in this Contest, each entrant agrees to release and hold each of the Sponsor and its Agents, and legal advisors, harmless from any and all losses, damages, rights, claims and actions of any kind in connection with this 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.

Except where prohibited or restricted by law, entrants agree that (1) any and all disputes, claims or causes of action arising out of or connected with the Contest or any prizes awarded shall be resolved individually, without resort to any form of class action, and exclusively by arbitration or alternate dispute resolution, as selected by the Sponsor, to take place in Toronto, Ontario; (2) any and all claims, judgments and awards shall be limited to actual out of pocket costs incurred in participation but in no event legal fees and expenses; and (3) under no circumstances will an entrant be entitled to obtain awards for and hereby waives all rights to claim punitive, incidental, indirect and consequential damages and any other damages (other than for direct damages limited to actual out-of-pocket reasonable costs), and any and all rights to have damages multiplied or otherwise increased. Except where prohibited, all issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules and the decisions of the Sponsor in connection with the Contest, shall be governed by and construed in accordance with the laws of Ontario, without regard for conflict of laws doctrine.

Should any term or provision of these Official Rules be concluded to be void, unenforceable or contrary to applicable law, such term or provision shall, but only to the extent necessary to bring the term or provision within the requirements of such law, be deemed to be severed from these Official Rules; and the remainder of these Official Rules shall be given effect as if it had not included the severed item.

For the identification of the winners or for a copy of these Official Rules, send a self-addressed stamped envelope to: 700 University Avenue, Suite 1300, Toronto, Ontario, Attn: Sales & Business Development, within one (1) year of the Close Date.

This Contest is subject to all federal, provincial and local laws. Void where prohibited or restricted by law.