Would you spend five minutes for a chance to win $5,000?
From May 1 to December 12, 2012, enter Cowan Insurance Groupâ€™s Take Five and Win Contest for your chance to win a $5,000 Visa gift card.*
Buy that special something, go on a trip or have a party â€“ the choice is yours!
Thereâ€™s more! You could also win one of three $100 Visa gift cards* each month to spend toward anything you want!
Earn additional chances to win by providing your existing insurance expiry dates and referring your friends and family members through social media and email after completing your entry.
Cowan Insurance Group knows thereâ€™s nothing like winning to add some fun to your life!
Donâ€™t delay â€“ take five and enter today for your chance to win!
Contest ends Dec 12, 2012.
*No purchase necessary. Three (3) $100 CDN Visa gifts cards to be won each month and one (1) $5,000 CDN Visa gift card to be won. Skill-testing question required. Odds of winning depend on number of participants. Contest ends December 12, 2012. Contest open to Canadian residents only. One entry per household. See www.insureandwin.com/cowan for complete contest details. See full rules and regulations.
Official Rules and Regulations (the â€śOfficial Rulesâ€ť)
1. CONTEST PERIOD
This Contest is sponsored and operated by Cowan Insurance Group, (referred to herein as the â€śSponsorâ€ť). The Contest runs from 12:00:01 AM Eastern Time ("ET") on May 1, 2012 to 11:59:59 PM ET on December 12, 2012 (the â€śContest Periodâ€ť).
To be eligible for this Contest, an individual must:
Be a resident of Canada and be of the age of majority or older at time of entry. (â€śEligible Personâ€ť)
THE CONTEST IS VOID WHERE PROHIBITED BY LAW, RULE OR REGULATION.
Employees, officers and directors of the Sponsor and their respective affiliates, subsidiaries, advertising, promotional, fulfillment and marketing agencies, and all of their immediate families (i.e. parent, child, sibling or spouse) and persons living in the same households as these individuals (whether related or not) are not eligible to participate in the Contest.
3. HOW TO ENTER
NO PURCHASE NECESSARY TO ENTER OR WIN.
For entry into the Contest online, an Eligible Person may log on to the http://www.insureandwin.com/cowan contest website, and provide the mandatory contest information (e.g. first name, last name, email address, phone number, postal code, language preference and anti-spam verification) during the Contest Period (â€śOnline Participantâ€ť). One (1) ballot will be awarded to each Online Participant for providing the mandatory contest information.
Online Participants are able to earn additional ballots for:
â€˘ Each expiry date provided by an Online Participantâ€™s insurance policy â€˘ Each Contest referral sent via the Thank You page of the Contest website by Twitter, Facebook and email sharing. Ballots will not be earned when an individual selects the Facebook and Twitter icons located on the main contest welcome screen (http://www.insureandwin.com/cowan)
There is no limit to the number of ballots an Online Participant can earn by entering online.
Entry by Mail-In
For entry into the Contest by mail, an Eligible Person must print their first and last name, complete mailing address including postal code, home telephone number with area code, date of birth and email address (if available) on a 3â€ť x 5â€ť card (â€śMail-In Participantâ€ť). (Online Participant and Mail-In Participant are hereinafter referred to collectively as â€śParticipantâ€ť) Only submissions written in blue or black ink will be accepted. Mail your card in an envelope to:
The Take Five and Win Contest
c/o Cowan Insurance Group 705 Fountain Street North, PO Box 1510 CAMBRIDGE, ON N1R 5T2
Mail entries must be postmarked no later than 11:59:59 PM ET on December 12, 2012. No responsibility or liability is assumed for lost, late, incomplete, stolen, misaddressed, misdirected, illegible or postage due entries or mail, or for any computer, telephone, cable, network, satellite, electronic or hardware or software malfunctions, failures, connections, traffic congestion, labour unrest, or unauthorized human intervention, or the incorrect or inaccurate capture of entry or other information, or the failure to capture any such information. Further, and for greater certainty, entry forms that are improperly addressed, illegible or which do not precisely conform to the prescribed requirements will be considered invalid and void. Only one mail-in entry per person is allowed. Only one (1) ballot will be awarded to each Mail-In Participant for providing the mandatory Mail-In contest information.
If any Eligible Person enters the Contest online and through the mail-in entry, only the online entries will count towards the Prize draws.
The Grand Prize consists of one (1) $5,000 CDN Visa gift card. The Secondary Prize consists of one (1) $100 CDN Visa gift card (â€śPrizeâ€ť). The total retail value of the Prizes drawn is $7,400 CDN.
One (1) Grand Prize will be awarded at the end of the Contest Period to one (1) Participant selected through a random draw. One (1) Secondary Prize will be awarded to three (3) different contest entrants each month during the contest period through a random draw.
The draw for the Grand Prize will take place on January 15th, 2013 at 2:00pm ET. The draw for the Secondary Prize will take place on the 15th day of the subsequent month at 2:00pm ET. The Prize winner will be contacted within ten (10) days of the draw during regular business hours (8:30am-5:00pm ET). The Prize will be sent via courier, or will be distributed in person by a Sponsor staff member. If your Prize does not arrive within 4-8 weeks from the date you were notified you won the Prize, please send an email to: firstname.lastname@example.org.
5. HOW TO CLAIM A PRIZE
The selected Participant will be contacted by telephone, e-mail or in-person. If the selected Participant cannot be contacted or does not respond after a minimum of three (3) attempts within seven (7) calendar days of the first attempt at contact, the selected Participant will forfeit the prize and another Participant will be selected in the manner described above.
When a Participant is contacted, such person shall have to answer correctly, and without assistance of any kind, a mathematical skill-testing question administered by the Sponsor staff during a pre-arranged, mutually convenient telephone call. All decisions of the Sponsor are final and binding.
Before being awarded a prize, the selected Participant will be required to sign a declaration and release form stating that he/she has read, understood and complied with these Official Rules, accepts the Prize as offered with terms and conditions as included by the Sponsor and releases the Sponsor and its affiliates, subsidiaries, agencies and the respective officers, directors, employees and agents thereof from any and all liability of any kind arising out of the selected Participantâ€™s participation in this Contest and receipt and use of the Prize as awarded. If the selected Participant does not respond in the prescribed time, fails to claim the Prize, fails to return the signed declaration and release as required or is otherwise ineligible, the prize may be forfeited and an alternate entrant will be selected in the manner described above. The Sponsor reserves the right to post or publish the winnerâ€™s name, city, or province of residence, photograph, likeness, voice or other statements on the Sponsor website for advertising and promotional purposes, where lawful, without further compensation to the winner
6. RELEASES AND DISCLAIMER
By entering the Contest, Participants agree to release, discharge and hold harmless the Sponsor and its affiliates, subsidiaries, agencies and their respective officers, directors, employees and agents, from any and all damages whether direct or indirect, which may be due to or arise out of participation in the Contest or any portion thereof, or the acceptance, use/misuse or possession of the Prize. By participating, Participants agree to be bound by these Official Rules and Regulations, including all eligibility requirements, and to the decisions of the Sponsor whose decisions are final and binding in all respects. Failure to comply with these rules may result in disqualification from the Contest.
All federal, provincial and local laws and regulations apply. No responsibility or liability is assumed for any computer, telephone, cable, network, satellite, electronic or hardware or software malfunctions, failures, connections, traffic congestion, labour unrest, or unauthorized human intervention, or the incorrect or inaccurate capture of entry or other information, or the failure to capture any such information.
If a Participant wins and accepts the Prize, such acceptance shall mean full satisfaction of the entitlement as a Participant and winner in the Contest and the Participant fully discharges and forever releases the Sponsor and their respective divisions, subsidiaries, affiliated and related companies and associates, direct or indirect, advertising and promotional agencies, any provincial authorities and all of their respective agents, partners, employees, representatives, shareholders, officers, directors, successors and assigns (collectively, the â€śReleaseesâ€ť), of and from any and all claims, demands, losses, damages, actions or causes of action whatsoever, whether known or unknown, whether at law or in equity which they or their heirs, executors, administrators, successors or assigns may now or hereafter have against any of the Releasees in connection with the Prize.
The Participant also acknowledges, without limiting the generality of the foregoing, that the Releasees will not be responsible for any injury, accident, or any other loss, damage or expense in connection with the participation in the Prize including, without limitation, in respect of any medical care or treatment that the Releasees, or any person authorized by any of them, may administer to me in the event of injury or illness during my participation in the Prize. The Participant also acknowledges that none of the Releasees has offered any warranty or guarantee respecting the Prize and that the Participant will direct any claims he or she may have relating to the Prize exclusively to the supplier, manufacturer or originator, as the case may be, of the Prize.
Further, the Participant assumes all responsibility and liability for any loss, injury or damage to any persons or property, which results from the Participantâ€™s actions or omissions, whether negligent or otherwise, in connection with their participation in the Prize.
Acceptance of the Prize shall be considered consent to the Sponsor to use, without further compensation to the Participant, name, city of residence, voice, statements and any photograph, film rendering or tape recording of the Participant, by or on behalf of the Sponsor in connection with the Contest in any form of publication or display including, without limitation, newspapers and other publications, radio and television broadcasts, film releases and interactive media worldwide.
7. ODDS OF WINNING
Odds of winning depend on the total number of eligible entries received.
8. LIMITATION OF LIABILITY
The Sponsor will not be responsible for mail, telephone, technical, network, online, electronic, computer hardware or software interruptions or failures of any kind, misdirected, stolen, incomplete, incomprehensible or delayed Internet/e-mail computer transmissions on account of technical problems or traffic congestion on the Internet or at any website, or any combination thereof, including any injury or damage to a Participantâ€™s or any other personâ€™s computer relating to or resulting from participation or downloading any materials in this Contest.
The Sponsor extends absolutely no representations or warranties in respect of the Prize and accepts no liability arising in respect of such Prize or in the use thereof.
If for any reason in the opinion of the Sponsor, in its sole discretion, the Contest is not capable of running as planned or if the administration, security, fairness, integrity, or proper conduct of the Contest is corrupted or adversely affected, including without limitation by reason of infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes, the Sponsor reserves the right to cancel, terminate, modify or suspend the Contest, including without limitation the cancellation of any method of entry or the extension or modification of the Contest start and end dates. In such circumstances, the Sponsor reserves the right to randomly select a winner from previously received valid entries.
9. TAX INFORMATION
All federal, provincial, local, and other taxes on the Prize, if any, are the sole responsibility of the winner.10. LEGAL WARNING
Any attempt by any individual, whether or not a Participant, to damage, destroy, tamper or vandalize the Sponsor website, or otherwise interfere with the operation of this Contest, is a violation of criminal and civil law and the Sponsor reserves the right to seek damages and diligently pursue all remedies in this regard against any offending individual or entity to the fullest extent permissible by law.11. GENERAL INFORMATION
This Contest is conducted in English (which will be given its everyday ordinary meaning), and any and all disputes will be resolved in the appropriate courts of the Province of Ontario, Canada exclusively, and subject to the laws of Ontario without regard to its conflict of laws principles.
Any and all disputes will be resolved in the appropriate courts of the Province of Ontario, Canada exclusively, and subject to the laws of Ontario without regard to its conflict of laws principles.
These are the Official Rules. This Contest is subject to federal, provincial and municipal laws and regulations. The Official Rules are subject to change without notice in order to comply with any applicable federal, provincial and municipal laws or the policy of any other entity having jurisdiction over the Sponsors.
Subject to the jurisdiction of the Regie des alcools, des courses et des jeux in Quebec, Sponsors reserve the right to amend or terminate all or any portion of this Contest at any time for any reason without prior notice.
14. FOR RESIDENTS OF QUEBEC
Any litigation respecting the conduct or organization of a publicity contest may be submitted to the Regie des alcools, des courses et des jeux for a ruling. Any litigation respecting the awarding of a prize may be submitted to the Regie only for the purpose of helping the parties reach a settlement.
15. WINNERS LIST
To receive the name of the winner, please send your request, along with a self-addressed stamped envelope to:
The Take Five and Win Contest Winnerâ€™s List
c/o Cowan Insurance Group 705 Fountain Street North, PO Box 1510 CAMBRIDGE, ON N1R 5T2 ATTN: Marketing Department
Requests must be received no later than January 15th, 2013.16. OFFICIAL RULES AND REGULATIONS
To receive a printed copy of the Official Rules of this specific Contest, please send your request, along with a self-addressed stamped envelope to:
The Take Five and Win Contest Official Rules and Regulations
c/o Cowan Insurance Group 705 Fountain Street North, PO Box 1510 CAMBRIDGE, ON N1R 5T2 ATTN: Marketing Department
Requests must be received no later than December 12, 2012.