Rules

ELIGIBILITY

1. The Win $50,000 in cash for your renovation projects contest is organized and held by Security National Insurance Company and Primmum Insurance Company (hereinafter each referred to as “an Organizer” or, collectively, “the Organizers”), which can issue home and automobile insurance policies under the TD Insurance Meloche Monnex  trademark. Subject to other conditions of eligibility set out in these contest rules, this contest is open only to individuals who are residents of Canada, who have reached the age of majority where they reside, and who belong to one of the eligible groups of professional, alumni, employer or other associations recognized by the “Organizers” except any group for which the Organizers don’t offer group rates, except Prince Edward Island. In addition, to be eligible, these individuals must meet the following conditions between December 17, 2007 and January 16, 2009 inclusively (the “Contest Period”).

a) provide an Organizer with the expiry date of their home or automobile* insurance policy; or

b) request/agree to receive a quote on home and/or automobile* insurance from an Organizer; or

c) hold a home and/or automobile* insurance policy from an Organizer during the Contest Period.

Providing the expiry dates of motorcycle insurance policies, requesting/agreeing to receive quotes on motorcycle insurance and holding motorcycle insurance policies are excluded from participation in the contest.

Notwithstanding the above, if the eligible participant currently has a home or automobile insurance policy issued by Security National Insurance Company or Primmum Insurance Company, he must be a member of a professional, alumni, employer or another association recognized by Security national Insurance Company and Primmum Insurance Company to participate to this contest.

* Due to provincial legislation, our automobile insurance program is not offered in British Columbia , Manitoba or Saskatchewan . Therefore, the contest is void in these three provinces with respect to entries in connection with automobile insurance.

2. No purchase is required. All eligible participants who provide the expiry dates of their home and/or automobile insurance policies or who request/agree to receive a free, no-obligation quote on home or automobile insurance, in accordance with the present rules, will automatically be entered in the contest. 

3. There is a limit of one (1) entry per person per insurance category (one entry for automobile insurance and one entry for home insurance) during the Contest Period notwithstanding the number of quotes to or from the Participants. 

HOW TO PARTICIPATE

4.Submission of home and/or auto insurance expiry dates

Eligible participants can enter this contest by sending to an Organizer the expiry date of their home and/or automobile insurance policy during the Contest Period using one of the three following methods:

4.1 Reply form

Eligible participants may provide an Organizer with the expiry date of their home and/or automobile insurance policy. To do so, they must fill out the reply form distributed across Canada by mail or at special events to members of eligible groups during the Contest Period. Participants must indicate their home and/or automobile insurance policy expiry date, first name, last name, address, city, province, postal code and telephone number, and mail it back or give it to an Organizer insurance professional. Facsimiles of forms will not be accepted. Reply forms must be mailed or delivered by hand to the address indicated on the reply form on January 16, 2009 at the latest. If mailed, a post mark bearing proof of the mailing date must appear. The Organizers are not responsible for any mail delays.

4.2 Electronic form

Eligible participants may also send in the expiry date of their home and/or automobile insurance policy during the Contest Period using the electronic form available at MelocheMonnex.com, Group.TDInsurance.com (English site), Groupe.TDAssurance.com (French site) or to other Web sites pertaining to this contest. To get to the electronic form, participants must click on the promotional banner for the Win $50,000 in cash for your renovation projects contest. Once they have reached the selected page, participants may click on the button “Free E-Newsletter Subscription” and complete the electronic form by indicating their first name, last name, address, city, province, postal code, telephone number and e-mail address along with their home and/or automobile insurance policy expiry date. Once the electronic form has been duly completed, participants must simply click on the “Submit” button and the form will be sent automatically to an Organizer and the participant will automatically be entered in the contest, if eligible. Only electronic forms with all required fields duly completed and received by an Organizer by January 16, 2009 at 11:59 p.m. (EST) will be accepted for entry into the contest. (An asterisk on the form identifies the required fields.)

4.3 Telephone

Eligible participants may also transmit their home and/or automobile insurance policy expiry date by calling toll-free any of the telephone numbers listed on the Organizers’ advertising material.

5. Request for home and/or automobile insurance policy quotes

Eligible participants can enter this contest by requesting or receiving a home and/or automobile insurance policy quote from an Organizer during the Contest Period using one of the following methods:

5.1 Telephone

Eligible participants may call toll-free any of the telephone numbers listed on the Organizers’ advertising material in order to request a home and/or automobile insurance quote or by agreeing to receive a quote from an Organizer’ Client Services representative during the Contest Period. Participants will have to provide their first name, last name, street address, city, province, postal code and telephone number, as well as all the information requested to complete the home or automobile quote.

5.2  E-quote

Eligible participants may also request a home and/or automobile insurance quote from an Organizer by electronic means using the electronic quote form available at MelocheMonnex.com, Group.TDInsurance.com (English site), GroupeTDAssurance.com (French site) or to other Web sites pertaining to this contest during the Contest Period. Once they have reached the selected page, they may click on either the “Home insurance quote” or the “Auto insurance quote” button and complete the quote form. To do so, they must follow the different steps of the quote application and fill out all mandatory fields such as e-mail address, first name, last name, complete address, postal code and telephone number, as well as all the information requested to complete the quote. Once the quote form has been duly completed, participants need simply click on “Submit” and the quote form will automatically be sent to the appropriate Organizer. These participants will automatically be entered in the contest if they are eligible. Only electronic quote forms with all required fields duly and accurately completed and received by an Organizer by January 16, 2009 at 11:59 p.m. (EST) will be accepted for the purposes of entry in the contest, if eligible. (Mandatory fields are identified by an asterisk.).

6. Home and/or automobile insurance policyholders

All eligible participants who currently have a home or automobile insurance policy issued by an Organizer between December 17, 2007 and January 16, 2009 inclusively will also automatically be entered in the contest. (Please note that eligible participants who hold a home and/or automobile insurance policy issued by an Organizer during the Contest Period and who cancel or fail to renew their policies remain contest entrants.) 

DRAW

 

7. One (1) draw will be held by a representative of the Organizers at 10:00 a.m. (EST) on February 12, 2009 at the Organizers’ office located at 50 Place Crémazie,12^th floor, Montréal, Québec H2P 1B6. On that date, one (1) eligible participant will be selected at random from all valid entries received between December 17, 2007 and January 16, 2009 at 11:59 p.m. (EST), according to the contest rules, in order to award the prize described in Section 8 below. Odds of winning depend on the total number of valid entries received by the Organizers during the Contest Period. 

PRIZE

8. The prize consists of a cash amount of $50,000, made out in the winner’s name and issued by one of the Organizers within approximately three (3) weeks after having been declared winner.

9. The prize must be accepted as described in these rules and may not be exchanged or substituted by another prize.

GENERAL CONDITIONS

10. The reply forms (paper and electronic) received will be subject to verification by the Organizers. All incomplete, inaccurate, illegible, late or facsimile reply forms will be automatically cancelled. The Organizers’ decision to this effect is final and cannot be appealed.

11. All paper or electronic quote forms received will also be subject to verification by the Organizers. All incomplete, inaccurate, illegible, late or facsimile quote forms will be automatically cancelled. The Organizers’ decision to this effect is final and cannot be appealed.

12. The Organizers or their agents will attempt to contact (by phone, e-mail or mail) the person whose entry was selected at random, using the information on the reply form, quote form or the insurance policy, as the case may be. If the person in question cannot be reached within fourteen (14) days of the draw date, then the Organizers or their agents may draw another valid entry at random and will attempt to contact this person in the same manner and so on until someone is declared a winner.

13. Before being declared a winner, the person whose entry has been selected at random must answer correctly, without assistance and within a limited time period, a mathematical skill-testing question. The question will be submitted by phone to the randomly selected person, at a previously determined time. In the event of a correct response, the winning contestant will then be informed of how he/she can take possession of the prize provided all other terms and conditions of the current contest have been met.

14. Before taking possession of the prize, the contest winner must sign a release form relieving the Organizers, their affiliate companies and agents from all liability with respect to any damages that may be sustained directly or indirectly from participation in the contest or from the acceptance and use of the prize.

15. The contest is open to residents of Canada (excluding companies, partnerships or other businesses) who have reached the age of majority where they reside and who are eligible participants according to these rules, with the exception of members of personnel, agents and representatives of the Organizers or their affiliates (defined as all of the companies affiliated with TD Bank Financial Group), their  advertising or promotion agencies, and the suppliers of the prize, equipment and services related to this contest, and any persons living under the same roof.

16. By participating in this contest, the winner authorizes the Organizers and their representatives to use his/her name, place of residence, photographs, image, voice and/or statements regarding his/her prize for advertising purposes (such as Internet and print ads) without any compensation.

17. For the purpose of these rules and subject to the eligibility criteria set out herein, the participant is the person whose name appears on the electronic quote form or who calls to request a quote. In the case of existing home/and or automobile insurance policyholders, the participant is the named insured that appears on the insurance policy. In the event that more than one person’s name appears on the winning entry, all such persons will be jointly declared winners of the prize. They will then have to decide among themselves who will answer the mathematical skill-testing question and who will get the prize. In case of a disagreement between them, the Organizers reserve the right to decide who will be asked the skill-testing question and to whom the prize will be remitted.

18. The Organizers, their affiliated companies, their advertising and promotional agencies, their respective employees, agents and representatives are not liable for faulty computer components, software or links, the loss or non-existence of communications capability, or faulty, incomplete, incomprehensible, or erased computer or network transmissions that render an individual ineligible for this contest. The Organizers, their affiliated companies, their advertising and promotional agencies, their respective employees, agents and representatives waive all liability from any damage or loss that could arise, directly or indirectly, in whole or in part, from downloading any software and by transmitting any data relating to the participation in this contest. Persons found tampering with or abusing any aspect of this contest, as solely determined by the Organizers, will be disqualified. If disqualified for any of the above abuses, the Organizers reserve the right to terminate a participant’s eligibility to participate.

19. The Organizers reserve the right, at their sole discretion, to cancel, modify, terminate or suspend this contest, in whole or in part, if an event or any human intervention corrupts or affects the administration, security, impartiality or the normal running of the Contest as provided for in these rules, subject to the approval of the Régie des alcools, des courses et des jeux du Québec (“Régie”), if required. In all cases, the Organizers, their affiliated companies, their advertising and promotional agencies, their suppliers of material or services related to this Contest as well as their respective employees, agents and representatives cannot be held to award more prizes or to award the prize otherwise than in compliance with these rules.

20. By entering this contest or trying to do so, all persons release the Organizers, their affiliated companies, their advertising and promotional agencies, their respective employees, agents and representatives from any damage which could arise directly or indirectly from their participation or attempt to participate in the contest.

21. For Québec residents, any litigation respecting the conduct or organization of a publicity contest may be submitted to the Régie for a ruling. Any litigation respecting the awarding of a prize may be submitted to the Régie only for the purpose of helping the parties reach a settlement.