Disability Support Services Submit and Win Contest
Official Contest Rules and Regulations
The Disability Support Services Submit and Win contest (the “Contest”) is sponsored by Intact Public Entities Inc. (“IPE” or“Sponsor”). The Contest starts on February 17, 2025 12:01 a.m. ET and closes on May 16, 2025, 11:59 p.m. ET (the “Contest Period”).
The Sponsor reserves the right to permit its subsidiaries, affiliated companies and parent companies and each of their respective directors and partners, officers, employees, brokers, agents, representatives, advertising and/or promotional agencies (the “Agents”) to perform all or any portion of the activities necessary in connection with this Contest.
This contest is open to licensed insurance brokers who are legal residents of Canada, excluding Quebec, Yukon, Northwest Territories and Nunavut who have reached the age of majority in their province of residence at their time of entry in the Contest (“Eligible Persons”).
Employees, agents and representatives of the Sponsor, its parent companies, advertising and promotional agencies, legal advisors or parties engaged in the development, production and distribution of materials related to this Contest, as well as members of their immediate family and/or persons living in the same household during the Contest period are excluded.
Intact Public Entities (IPE) is aware of and supports insurance brokers and agents in carrying out their ethical duties in order to act in the best interests of their customers. IPE encourages Participants to be transparent with their customers, and reminds them that every insurance broker and agent has a duty to disclose to their customers any actual or potential conflict of interest related to any transaction or recommendation regarding an insurance product.
No purchase required.
To enter the contest, Eligible Persons must submit quality complete insurance submissions to our underwriters for the following line of business: Disability Support Services. Each complete submission completed (approved for underwriting) represents a ballot entry (collectively the “Participants” or individually a “Participant”) For each complete submission that results in a quote, the Participant will receive a ballot for entry into the draw. At the end of the contest period, all ballots will be entered into a random draw.
The odds of winning depend on the total number of Participants entered into the Contest.
No other means of entry will be accepted. There is no limit on the number of ballots a Participant can receive.
Entries received shall be deemed to be submitted by the authorized account holder of the e-mail address associated with the entry, as applicable. For the purposes of these Contest Rules, “authorized account holder” of an e-mail address is defined as the natural person who is assigned to an e-mail address by an Internet access provider, online service provider or other organization responsible for assigning e-mail addresses associated with the submitted e-mail address. Each selected Participant may be required to provide the Sponsor with proof that the selected entrant is the authorized account holder of the e-mail address associated with the winning entry.
All Contest entries become the property of the Sponsor and will not be returned.
There will be a total of three (3) prizes. Each Prize consists of an Apple iPad Mini and Apple Pencil1 of an approximate value of seven hundred eighty-seven dollars ($787) plus applicable taxes and will be remitted to the Winners (as defined hereinafter).
(hereinafter collectively or individually the “Prize(s)”).
The Prize must be accepted as awarded. It cannot be converted into cash, substituted, transferred to another person or refunded, except at the Sponsor’s sole discretion, subject to what is provided hereunder.
1 Registered Trade Mark of Apple Inc. Apple Inc. is not associated to the promotion of this Contest or sponsor in any way.
The Prizes will be awarded to the Winners (as defined hereinafter) based on a random electronic draw amongst all eligible entries received for the Contest.
The draw will be held on May 21, 2025, at the Sponsor’s office located at 278 Pinebush Rd. Suite 200, Cambridge, Ontario N1T 1Z6.
A representative of the Sponsor will inform by telephone or email the selected Participant whose name has been selected within seven (7) days of the draw. If the Sponsor is unable to reach the selected Participant within seven (7) days of the draw using all reasonable means, a new draw will take place at the Sponsor’ office.
Should the selected Participant fail to meet the requirements set out in these Official Contest Rules and Regulations or be otherwise ineligible to win the Prize(s), the selected Participant will be disqualified, and the Prize(s) will be awarded to an alternate winner in a random draw selected from the remaining eligible entries.
To claim their Prize(s) and be declared the Winner, the selected Participant will be required to meet all of the following criteria:
(1) correctly answer a time-limited mathematical skill-testing question; and
(2) sign and return a standard form of Declaration and Release Form confirming compliance with these Official Contest Rules and Regulations within ten (10) business days of the date on which the selected Participant received the Declaration and Release Form for signing.
All Declaration and Release Forms may be subject to verification by the Sponsor. Those which are, depending on the case, incomplete, inaccurate, illegible, mechanically reproduced, mutilated, fraudulent, submitted or transmitted late, containing an invalid telephone number or otherwise non-compliant, may be rejected by the Sponsor. The non-compliant form will be considered as a formal or deemed refusal and releases the Sponsor from any obligation relating to the award of this prize. The Sponsor may, at its discretion, cancel this prize or hold a new draw.
The Sponsor will arrange for delivery of the Prize(s) to the Winner. The Prize may, at the entire discretion of the Sponsor be sent by mail or electronic means upon receipt of the signed Declaration and Release Form.
(hereinafter collectively or individually the “Winner”)
The Sponsor is not responsible for any associated costs incurred by the Winner with claiming the Prize(s). The Winner is solely responsible for the reporting and payment of any and all taxes, if any, that may result in claiming a Prize(s) in this Contest. Any claim to a Prize(s) will be subject to verification by the Sponsor, whose decision in this regard and on all matters of fact, interpretation, eligibility, procedure and fulfillment in respect to this Contest will be final and binding.
Entries submitted by third parties and any entries that are 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 Contest Rules and Regulations in any respect.
By participating in this Contest, each Participant agrees to release and hold harmless the Sponsor, its subsidiaries, affiliated companies, parent companies, officers, directors and partners, including its advertising and/or promotional agencies, as well as their employees, brokers, agents and representatives and any third party websites or platforms including those owned by Meta Platforms, Inc. and X Corp. on which the Contest is advertised, of all liability direct or indirect, physical or material arising out of accepting or using a Prize(s), and each Participant releases the Sponsor, its sales promotion agency and all others involved from any recourse, claims or charges that could arise against them or one of them, now or in the future, by the Participant, his/her heirs, executors or estate administrators relating to the Contest or Prize(s).
The Winner agrees and consents that his/her name, age, photograph, location, voice, testimony and/or statements be used in whole or in part by the Sponsor, its advertising agencies and any other parties involved in the development, production and distribution of materials relating to the Contest, for any purpose, through any media present or future, including social media, in any jurisdiction and in any manner without compensation and without any additional approval from the Winner. No correspondence will be entered into with any person other than the Winner.
Any personally identifiable information collected during a Participant’s participation in the Contest will be collected and used in accordance with the Sponsor’s Privacy Policy available at https://www.intactpublicentities.ca/privacy-promise.
The Sponsor, its Agents, and legal advisors are not responsible for and shall not be liable for: (1) lost, late, damaged, illegible, stolen, misdirected, misidentified, or incomplete entries, for any problems or technical or mechanical malfunction of any telephone systems, computer on-line systems, servers, access providers, computer equipment, hardware or software programs, failure of any entry to be received by the close of the Contest Period 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; (2) any condition caused by events beyond the control of the Sponsor that may cause this Contest to be disrupted or corrupted; (3) any injuries, losses or damages of any kind arising in connection with or as a result of the Prize(s), or acceptance, possession, or use of the Prize(s), or from participation in this Contest; or (4) any printing or typographical errors in any materials associated with this Contest.
Should the Sponsor be unable to award the Prize(s) as described in these Official Contest Rules and Regulations, it reserves the right, at its sole discretion, to replace the Prize(s) with a prize(s) of a similar nature and equivalent value of the value of the Prize(s) as stated in these Official Contest Rules and Regulations in cash. The Sponsor disclaims any warranty, representation or guarantee, express or implied by fact or in law relative to the prize, including but not limited to its quality and condition.
A Winner’s express or implied refusal to accept a prize(s) releases the Sponsor from any prize-related liability toward that person. Following the express or implied refusal of a prize by the Winner, the Organizer may proceed, at its discretion, to the cancellation of this prize or to a new draw.
The Sponsor reserves the right at any time to withdraw this Contest or to modify, amend, change, or supplement these Official Contest Rules and Regulations, in its sole discretion, subject to applicable law. The Sponsor also reserves the right, at its entire discretion, to cancel, terminate or suspend this Contest should any event or cause beyond their control arise, which may corrupt or affect the administration, security, impartiality or progress of the Contest, as stipulated in these Official Contest Rules and Regulations.
The Contest is governed by all applicable federal, provincial and municipal laws and regulations.
If applicable, all Participants who are residents of Ontario agree that: (1) any and all disputes, claims or causes of action arising out of or connected with the Contest or any prize(s) 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 the participation of the Contest but in no event legal fees and expenses; and (3) under no circumstances will a Participant 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 Contest Rules and Regulations and the decisions of the Sponsor in connection with the Contest, shall be governed by and construed in accordance with the laws of the province in which the Participant resides, without regard for conflict of laws doctrine.
For the identification of the Winner or for a copy of these Official Contest Rules and Regulations, send a self-addressed stamped envelope to: 278 Pinebush Road Suite 200, Cambridge, Ontario N1T 1Z6, Attention: Carissa Sales, within one (1) year of the end of the Contest Period.