Be Winter Ready Contest

Contest

This contest is organized and sponsored by The Personal Inc. (hereinafter The Personal). It runs from September 1 to December 31, 2018, closing at 11:59 p.m. Eastern Standard Time.

Who can enter

The contest is open exclusively to employees, retired employees, and members of organizations that meet the criteria outlined below and who are eligible for home, auto or business insurance with The Personal.

Prizes

A total of $15,000 (in Canadian dollars) to be won: one of three (3) cheques of $5,000 each.

Eligibility

To enter the contest, each person must:

• Be a resident of the province of Quebec
• Be at least 18 years of age on the draw date
• Be an employee, a retired employee or member of an organization that has a group insurance plan with The Personal on the date of each draw
• And meet the following eligibility criteria:
  • Have a home, auto, or business insurance policy in force with The Personal on the date of each draw
    OR
  • Have obtained a valid home, auto, or business insurance quote from The Personal by calling 1-800-363-3813 or 1-888-476-8737, or online at thepersonal.com/contest between September 1 and the date of each draw

No purchase necessary. Each insurance product provides one entry.

The Personal, its employees, representatives or agents or those of any other entity that is part of Desjardins General Insurance Group Inc., or any of its subsidiaries, as well as anyone domiciled with said employees, representatives or agents, are not eligible to participate in the draw.

Details of the draw

1. Winners shall be chosen by means of three (3) electronic draws at the head office of The Personal, which is located at 6300 boulevard Guillaume-Couture, Lévis, Quebec, G6V 6P9, at 3 p.m. Eastern Standard Time from among all eligible entries on the following dates:
   • October 10, 2018: one (1) draw among all entrants who have obtained a quote or who have an auto, home or business insurance policy in effect between September 1 and September 30, 2018
   • November 7, 2018: one (1) draw among all entrants who have obtained a quote or who have an auto, home or business insurance policy in effect between September 1 and October 31 2018
   • January 9, 2019: one (1) draw among all entrants who have obtained a quote or who have an auto, home or business insurance policy in effect between September 1 and December 31, 2018
2. The odds of winning depend on the number of insurance quotes received by The Personal and the number of insurance policies in effect with The Personal by the contest closing date.
3. An entrant cannot win more than once.
4. A contest entrant is defined as someone whose name appears on an eligible insurance quote. If two people jointly requested a quote, it is the person who is an employee, member or retired employee of an organization that has a marketing plan with The Personal who must answer the mathematical skill-testing question, and the prize shall be awarded in that person’s name only. If both people are employees, members or retired employees of an organization that has a marketing plan with The Personal, either may answer the mathematical skill-testing question, and the prize shall be awarded in both of their names.
5. If the insurance quote 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 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 quote.
6. To claim his/her prize, each winner must meet the eligibility conditions in these contest rules, and:
   • Be reached by phone within ten (10) days of the draw
   • Correctly answer a timed mathematical skill-testing question asked over the telephone
   • Accept the prize as awarded
   • Consent to the use of his or her name, place of residence, photograph and voice in any contest-related advertising, without compensation
   • Sign a declaration and release of liability form pursuant to the conditions set forth by The Personal, if requested to do so, and return it within ten (10) days of receipt
   Failing this, the organizers will select another winner. The subsequent draw will proceed in the same manner as described in these contest rules, with the exception of the date, which cannot be the same.
7. The prizes will be mailed to the winners within four (4) to six (6) weeks of the draw.
8. Prizes cannot be exchanged or transferred to another person, including the winner’s successor or heir.
9. The Personal disclaims all responsibility in case of loss or theft of the cheque.

General conditions

1. All quote requests remain the property of The Personal.
2. The Personal reserves the right to modify the contest conditions or terminate the contest at any time, without notice, subject to the approval of the Régie des alcools, des courses et des jeux of Quebec.
3. The Personal reserves the right to disqualify any entrant or cancel any entry that does not comply with these rules.
4. All decisions made by The Personal regarding this contest are final and binding, subject to any decision of the Régie des alcools, des courses et des jeux of Quebec on any matter under its jurisdiction.
5. Any dispute with regard to the conduct or organization of a publicity contest may be submitted to the Régie des alcools, des courses et des jeux of Quebec for adjudication. Disputes regarding the awarding of a prize may be submitted to the Régie des alcools, des courses et des jeux of Quebec, but only for the purpose of helping the parties reach a settlement.
6. 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.
7. By entering this contest, participants release and hold harmless The Personal of all liability and damage that could result from said entry or from the acceptance or use of the prize if a person is declared the winner.
8. This contest is subject to all applicable laws.
9. A French version of these rules is available on the following website: lapersonnelle.com/concours. In the event of a discrepancy between the English and French versions of these rules, the French version shall prevail.

Contest

The contest is held and organized by The Personal Insurance Company (“The Personal”) and runs from September 1 to December 31, 2018, closing at 11:59 p.m., Eastern Standard Time.

Exclusivity

The contest is open exclusively to employees, retired employees, and members of organizations that meet the criteria outlined below and who are eligible for home and auto ¹ insurance with The Personal.

Prizes

There is a total of $15,000 (CDN) in prizes available to be won, consisting of the following:

• Three (3) cash prizes of $5,000 (CDN) each to be awarded in accordance with the rules outlined below.

Eligibility

1. To be eligible for the prizes, entrants must:
   1. reside in Canada;
   2. not reside in the Province of Quebec;
   3. have reached the age of majority in their province or territory of residence on the date of the draw;
   4. be an employee, a retired employee or member of an organization that has a written group marketing plan with The Personal on the date of each draw;
   5. be eligible for home and/or auto insurance with The Personal; and
   6. meet the following further eligibility criteria:
      • Have obtained a valid home or auto insurance quote from The Personal by calling 1-888-476-8737 or online at thepersonal.com/contest between September 1 and the end of the month preceding the date of each draw;
        OR
      • have a home or auto insurance policy with The Personal in force at the end of the month preceding the date of each draw
   For more information, see “Details of the Draws” section below.
2. No entry form or purchase required. One chance of winning per insurance product per person.
3. The Personal, its employees, representatives or agents or those of any other entity that is part of Desjardins General Insurance Group Inc., or any of its subsidiaries, as well as anyone domiciled with said employees, representatives or agents, are not eligible to participate in the grand prize draw.
4. Eligible contestants can only win one (1) prize.

Details of the Draws

1. The winner shall be chosen by three (3) electronic draws on the following dates at the head office of The Personal, which is located at 6300, Boulevard Guillaume-Couture, Lévis, Quebec, G6V 6P9, at 3 p.m. Eastern Standard Time among all eligible entries.
   1. October 10 ^th, 2018: one (1) draw among all persons that have obtained a home or auto insurance quote from The Personal between September 1 ^st, 2018 and September 30, 2018 OR that have a home or auto insurance policy in force with The Personal on September 30, 2018.
   2. November 7 ^th, 2018: one (1) draw among all persons that have obtained a home or auto insurance quote from The Personal between September 1 ^st, 2018 and October 31, 2018 OR that have a home or auto insurance policy in force with The Personal on October 31, 2018.
   3. January 9 ^th, 2019: one (1) draw among all persons that have obtained a home or auto insurance quote from The Personal between September 1 ^st, 2018 and December 31 ^st, 2018 OR that have a home or auto insurance policy in force with The Personal on December 31 ^st, 2018.
2. The odds of winning depend on the number of valid insurance quotes received and the number of home and auto insurance policies in force with The Personal on the last day of the month prior to the date of each respective draw.
3. To claim the prize, the winner must meet the eligibility criteria described above and:
   • be reached by telephone in the ten (10) business days following the draw;
   • correctly answer a timed mathematical skill-testing question asked over the telephone;
   • accept the prize as awarded;
   • consent to the use of his or her name, place of residence, photograph and voice in any contest-related advertising, without compensation;
   • sign a declaration and release of liability form pursuant to the conditions set forth by The Personal, if requested to do so, and return it within ten (10) days of receipt.
   Failing this, the organizers will select another winner. The subsequent draw will proceed in the same manner as described in these contest rules, with the exception of the date, which cannot be the same.
4. A contest entrant is defined as someone whose name appears on an eligible insurance quote or is an existing policyholder of The Personal. If two people jointly requested a quote, it is the person who is an employee, member or retired employee of an organization that has a written group marketing plan with The Personal who must answer the mathematical skill-testing question, and the prize shall be awarded in that person’s name only. If both people are employees, members or retired employees of an organization that has a written group marketing plan with The Personal, either may answer the mathematical skill-testing question, and the prize shall be awarded in both of their names.
5. If the insurance quote 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 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 quote.
6. Within ten (10) days after speaking with the winner, the winner shall receive a letter confirming that he or she has been declared the winner, and a declaration and release of liability form.
7. Within ten (10) days of the organizers receiving the declaration and release of liability form duly completed and signed by the winner, the prize shall be sent to the winner.
8. The prize is not transferable, either to another person or to the successors or heirs of the winner.

General conditions

1. All quote requests remain the property of The Personal.
2. The Personal reserves the right to modify the contest conditions or terminate the contest at any time, without notice.
3. The Personal reserves the right to disqualify any entrant or cancel any entry that does not comply with these rules.
4. All decisions made by The Personal are final and binding.
5. 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.
6. By entering this contest, participants release and hold harmless The Personal of all liability and damage that could result from said entry or from the acceptance or use of the prize if a person is declared the winner.
7. The Personal disclaims all responsibility in case of loss or theft of the prizes.
8. The contest is subject to all applicable laws.
9. A French version of these rules is available on the following website: lapersonnelle.com/concours. In the event of a discrepancy between the English and French versions of these rules, the English version shall prevail.

1. Auto insurance not available in Manitoba, Saskatchewan or British Columbia due to government-run plans.