Rules and Regulations
2018 “Make a Difference” Contest

Contest

This contest is sponsored and organized by The Personal Insurance Company and The Personal General Insurance Inc. (collectively referred to hereinafter as “The Personal”). The contest runs from February 12, 2018, to December 31, 2018, at 11:59 p.m. (Eastern Standard Time).

Herein, The Personal refers to The Personal General Insurance Inc. in Quebec and The Personal Insurance Company in all other provinces and territories of Canada.

Exclusivity

The contest is open exclusively to CANEX authorized patrons eligible for home, auto1 and/or business (Quebec only) insurance under the CANEX group insurance plan.

Prizes

There is a total of $25,000 (CDN) in prizes available to be won, consisting of the following:

  • Ten (10) monthly prizes valued at $2,500 (CDN) each will be awarded in the form of Visa prepaid cards.

Eligibility

  1. To be eligible for the contest, contestants must:
    • Be a resident of Canada;
    • Have attained the age of majority in their province or territory of residence on the date of each monthly draw;
    • Be a CANEX authorized patron and be eligible for home, auto and/or business (Quebec only) insurance under the CANEX group insurance plan on the date of each monthly draw;
    • Have either:
      1. obtained a home, auto, or business (Quebec only) insurance quote2 from The Personal between February 12, 2018 and the end of the month preceding the date of each monthly draw, OR
      2. have a home, auto, or business insurance policy with The Personal in force at the end of the month preceding the date of each monthly draw. For more information, see “Details of the Draws” section below.
  2. No entry form or purchase necessary. One entry per person, per insurance product (home, auto and/or business (Quebec only). (Maximum 3 entries per person)
  3. Executive Management of both CANEX and the Canadian Forces Moral & Welfare Services (CFMWS), as well as the persons with whom they are domiciled, may not enter the contest and are not eligible to win.
  4. The Personal, its employees, representatives, agents or mandataries or those of any other entity that is part of Desjardins General Insurance Group Inc. or one of its subsidiaries, as well as the persons with whom they are domiciled, may not enter the contest and are not eligible to win.

Details of the Draws

  1. 1. The winners of the ten (10) Visa prepaid cards will be selected by means of ten (10) electronic draws held at 3 p.m. at The Personal’s head office located at 6300 Boulevard Guillaume-Couture, Levis, Quebec, G6V 6P9, on the following dates:
    • on April 11, 2018: one (1) draw among all persons that have obtained a home, auto and/or business (Quebec only) insurance quote from The Personal between February 12, 2018 and March 31, 2018, OR that have a home, auto, or business (Quebec only) insurance policy in force with The Personal on March 31, 2018.
    • on May 9, 2018: one (1) draw among all persons that have obtained a home, auto, and/or business (Quebec only) insurance quote from The Personal between February 12, 2018 and April 30, 2018, OR that have a home, auto, or business (Quebec only) insurance policy in force with The Personal on April 30, 2018.
    • on June 6, 2018: one (1) draw among all persons that have obtained a home, auto, and/or business (Quebec only) insurance quote from The Personal between February 12, 2018 and May 31, 2018, OR that have a home, auto, or business (Quebec only) insurance policy in force with The Personal on May 31, 2018.
    • on July 11, 2018: one (1) draw among all persons that have obtained a home, auto, and/or business (Quebec only) insurance quote from The Personal between February 12, 2018 and June 30, 2018, OR that have a home, auto, or business (Quebec only) insurance policy in force with The Personal on June 30, 2018.
    • on August 8, 2018: one (1) draw among all persons that have obtained a home, auto, and/or business (Quebec only) insurance quote from The Personal between February 12, 2018 and July 31, 2018, OR that have a home, auto, or business (Quebec only) insurance policy in force with The Personal on July 31, 2018.
    • on September 12, 2018: one (1) draw among all persons that have obtained a home, auto, and/or business (Quebec only) insurance quote from The Personal between February 12, 2018 and August 31, 2018, OR that have a home, auto, or business (Quebec only) insurance policy in force with The Personal on August 31, 2018.
    • on October 10, 2018: one (1) draw among all persons that have obtained a home, auto, and/or business (Quebec only) insurance quote from The Personal between February 12, 2018 and September 30, 2018, OR that have a home, auto, or business (Quebec only) insurance policy in force with The Personal on September 30, 2018.
    • on November 7, 2018: one (1) draw among all persons that have obtained a home, auto, and/or business (Quebec only) insurance quote from The Personal between February 12, 2018 and October 31, 2018, OR that have a home, auto, or business (Quebec only) insurance policy in force with The Personal on October 31, 2018.
    • on December 12, 2018: one (1) draw among all persons that have obtained a home, auto, and/or business (Quebec only) insurance quote from The Personal between February 12, 2018 and November 30, 2018, OR that have a home, auto, or business (Quebec only) insurance policy in force with The Personal on November 30, 2018.
    • on January 9, 2019: one (1) draw among all persons that have obtained a home, auto, and/or business (Quebec only) insurance quote from The Personal between February 12, 2018 and December 31, 2018, OR that have a home, auto, or business (Quebec only) insurance policy in force with The Personal on December 31, 2018.
  2. The odds of winning depend on the number of insurance quote requests obtained and the number of CANEX authorized patrons in the databases of The Personal that have an auto, home or business (Quebec only) insurance policy in force for the period applicable to each monthly draw, in accordance with the “Eligibility” section above.
  3. An entrant cannot win more than one (1) prize.
  4. The contest entrant is the person whose name appears on the insurance policy or insurance quote request. In the event that two individuals are joint insurance policyholders or jointly request an insurance quote, the person who is a CANEX authorized patron will be the one who must answer the mathematical skill-testing question and will receive the prize in his/her name. If both individuals are CANEX authorized patrons, either may answer the mathematical skill-testing question, but the prize will be awarded in the names of both individuals.
  5. If the insurance policy or insurance quote request is issued in the name of a corporate body, the mathematical skill-testing question will be submitted to the person whose name appears on the insurance policy or insurance quote request as the representative of that corporate body, or to any other designated representative thereof, and the prize will be awarded in the name of the corporate body indicated on the insurance policy or insurance quote request.
  6. To obtain their prize, each winner must meet the eligibility criteria mentioned herein and:
    1. Be reached by telephone within ten (10) business days of the draw; and
    2. Correctly answer a time-limited, mathematical skill-testing question asked over the telephone; and
    3. Accept one of the prizes listed above as awarded; and
    4. Consent to the use of his/her name, name, place of residence, military base, title/rank, division, photograph, voice recording and likeness without any compensation whatsoever;
    5. The winners will receive a letter confirming that he or she is the winner as well as a Declaration and Release of Liability Form by registered mail. The winner must sign and return the completed Declaration and Release of Liability Form within the period specified in the letter.
    Failing this, The Personal will select another winner. This subsequent draw will proceed in the same manner as described herein, with the exception of the date, which cannot be the same.
  7. The monthly prizes ($2,500 Visa prepaid cards) will be couriered to the winners within six (6) weeks of each respective draw date.

General Provisions

  1. The contest is subject to all applicable laws.
  2. All insurance quote requests are the property of The Personal.
  3. The Personal cannot be held liable for lost, misdirected, or late entries, or for any failure, for any reason whatsoever, that may affect the availability or operation of the website or any telecommunications systems and networks for the duration of this contest. Moreover, The Personal cannot be held liable for any damage to entrants’ computers or to components of computer systems used to enter this contest.
  4. The Personal reserves the right to disqualify any entrant or cancel any entry that does not comply with these rules.
  5. Prizes will be awarded to the winners only. The awarding or the right to receive the prize cannot be transferred to the successors or heirs of the winners.
  6. The winners recognize that, upon receipt of his or her prize, the delivery of products or services related to the aforementioned becomes the entire and exclusive responsibility of the winner and releases The Personal of all liability for any damages that could result from the acceptance or use of the prize.
  7. The Personal disclaims any and all responsibility in the event of loss or theft of any of the prizes.
  8. By entering this contest, participants release The Personal of all liability for any damage that could result from said entry or from the acceptance or use of the prize if a person is declared the winner.
  9. The issuer of the prepaid VISA cards is not associated with this promotion and does not sponsor it in any way. The Personal does not conduct any promotional activities on behalf of said issuer or its services.
  10. In the event that the organizers are unable to award the prize as described in the contest rules, they reserve the right to award a similar prize with an equivalent value or, at their sole discretion, to award the equivalent value of the prize described in these contest rules in cash.
  11. The Personal reserves the right to modify the contest conditions or terminate the contest at any time, without notice. In Quebec only, the approval of the Régie des alcools, des courses et des jeux du Québec is required.
  12. All decisions made by The Personal are final and binding. For Quebec residents only, any litigation respecting the conduct or organization of a publicity contest may be submitted to the Régie des alcools, des courses et des jeux du Québec for a ruling on any matter under its jurisdiction. 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.
  13. The Personal assumes no responsibility whatsoever in the event it becomes unable to act as a result of an event or a situation outside of its control or a strike, lockout or any labour dispute in progress within institutions, organizations or businesses whose services are used to conduct this contest.
  14. A French version of these rules is available on the following Web site: lapersonnelle.com/difference. In the event of a discrepancy between the English and French versions of these rules, the English version shall prevail.