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EDUCATORS FINANCIAL GROUP®
REFER-A-FRIEND CONTEST (THE “CONTEST”)
OFFICIAL CONTEST ENTRY RULES
This Contest is administered by Educators Financial Group Inc. (“Educators” or the “Sponsor”). Any questions, comments or complaints regarding the Contest should be directed to the Sponsor at 2225 Sheppard Avenue E., Suite 1105, Toronto, Ontario, M2J 5C2. All amounts in these rules refer to Canadian dollars.
1. No purchase necessary. The Contest begins on June 2, 2025 at 12:00 AM EST and ends on July 31, 2025 at 11:59 PM EST (the “Contest Period”). All Entries must be received before the end of the Contest Period. The drawings will take place by August 29, 2025 at 5:00 PM EST.
2. To be eligible for the Contest, a person must (1) be a resident of Ontario (2) have reached the age of majority in their province of residence by January 1, 2025, (3) be an existing Educators investing client with assets currently under management, and (4) not be an employee, representative or agent of, or domiciled with an employee, representative or agent of, Educators, its affiliates, marketing and advertising agencies, or suppliers (each, an “Entrant”). This offer cannot be combined with any other offers.
3. Participation in the Contest constitutes Entrant’s full and unconditional agreement to be bound by the terms set forth herein (the “Official Rules”) and by Sponsor’s decisions, which are final and binding in all matters related to this Contest. These Official Rules supplement any terms and conditions set forth in any email received. Information about how to enter and Prizes form part of the Official Rules. By submitting an Entry (defined below), each Entrant agrees to the Official Rules and warrants that their Entry complies with all requirements set out in the Official Rules.
4. To enter the Contest, submit your referral(s) via the referral form linked within any Refer-a-Friend email received during the Contest Period. Referrals submitted must (1) be either an active or retired teaching or non-teaching educational worker in a province in Ontario, which includes staff of a board of education, a university, a college, a private educational facility, an education consortium or affiliate (including the Ontario Secondary School Teachers’ Federation and other education unions), or their family members (spouse, parents and children), (2) be a resident of Ontario, and (3) have reached the age of majority in their province of residence by January 1, 2025. Referrals qualify only if the referral is for a new Educators client who do not currently have assets under management, are not currently in consultation with an Educators financial advisor, and have not previously been referred by an Entrant. For each eligible referral submitted, the Entrant will receive one ballot (each an “Entry”).
5. All referrals and Entries become the sole and exclusive property of Sponsor, and receipt of such referrals and Entries may not be acknowledged or returned. By participating in the Contest, you represent and warrant that the information that you have submitted or will submit to the Sponsor in connection with the Contest is true, correct, and complete in all material respects and is not misleading.
6. If it is discovered by the Sponsor (using any evidence or other information made available to or otherwise discovered by the Sponsor) that an Entrant has attempted to use multiple names, identities or email addresses to enter or otherwise participate in or to disrupt this Contest and/or not complied with the Contest Rules, then the Entrant may be disqualified from the Contest in the sole and absolute discretion of the Sponsor. An Entry may be rejected if (in the sole and absolute discretion of the Sponsor) it is not fully completed with all required information and received in accordance with these Contest Rules. Sponsor and the Released Parties (defined below) are not responsible for late, lost, misdirected, delayed, incomplete, illegible, or incompatible Contest-related information, which may be disqualified in Sponsor’s sole discretion. All Entries and entrants are subject to verification at any time and for any reason. The Sponsor reserves the right, in its sole and absolute discretion, to require proof of identity and/or eligibility (in a form acceptable to the Sponsor – including, without limitation, government-issued photo identification): (i) for the purposes of verifying an individual’s eligibility to participate in this Contest; (ii) for the purposes of verifying the eligibility and/or legitimacy of any Contest-related information submitted or received (or purportedly submitted or received) for the purposes of this Contest; and/or (iii) for any other reason the Sponsor deems necessary, in its sole and absolute discretion, for the purposes of administering this Contest in accordance with these Contest Rules. Failure to provide such proof to the complete satisfaction of the Sponsor within the timeline specified by the Sponsor may result in disqualification in the sole and absolute discretion of the Sponsor.
7. One winning Entrant will receive one (1) cash prize of $1,000 (the “Prize”). The winner will be chosen in accordance with these Official Rules. The Prize will be awarded following the close of the Contest Period, at a time and in a manner to be determined at Sponsor’s sole discretion. No substitution, cash equivalent, or transfer of the Prize is permitted except at the sole discretion of the Sponsor, who reserves the right to substitute the Prize (or a portion thereof) with one of equal or greater value. The Prize awarded is subject to the restrictions and limitations noted in these Official Rules, and the winner must abide by all such limitations and restrictions. The winner agrees to accept the Prize “as is.” The Sponsor may resolve any concerns, questions, or complaints related to the Prize in its sole discretion.
8. The winner will be selected by random drawing from all Entries received. The odds of winning depend on the number of eligible entries received during the Contest Period. All decisions of the Sponsor are final in all matters, including determination of the Contest winners, interpretation of these Official Rules, and awarding of Prizes. Even if your Entry qualifies you as a potential winner at the close of the Contest, you have not yet won a Prize. Potential winners are subject to verification by the Sponsor, and must meet all eligibility requirements before Entrant will be confirmed as the winner and a Prize will be awarded.
9. The potential winner will be notified by email or any other method chosen by Sponsor in accordance with the information received. A potential winner will be required to correctly answer a mathematical skill-testing question, sign and return a standard liability release and publicity release within 14 days of prize notification, and otherwise comply with the Contest Rules. If the potential winner does not respond to the notification; or if notification to the potential winner is returned as undeliverable; or if a potential winner rejects their Prize; or if a potential winner does not execute and deliver any required documents to the Sponsor by the specified deadline; or if the potential winner fails to correctly answer the skill-testing question described above within the time permitted; or if a potential winner does not comply with these Official Rules, that potential winner may be disqualified from the Contest, and Sponsor may select an alternate potential winner. After September 26, 2025, all prize claims shall be null, and void and no more prizes will be awarded.
10. Prize must be accepted as awarded and are not transferable or substitutable and will be awarded to the winner only.
11. By participating in the Contest, you agree and acknowledge that Educators and the Ontario Secondary School Teachers Federation, their affiliates and advertising and contests agencies, and each of their respective employees, officers, shareholders, representatives, directors, and agents (collectively, the “Released Parties”) are not responsible for and shall not be liable for any injury or other damage to person or property of any kind or any other liability arising from participation in the Contest or use or misuse of a prize. Participants assume all liability for any injury or damage caused, or claimed to be caused, directly or indirectly, in whole or in part, relating to this Contest or receipt, use, or misuse of a prize.
12. Sponsor and its agents are not responsible for any printing, distribution, production, or other errors and may terminate or withdraw the Contest without liability and at their sole discretion. In no event will more than the number and type of prizes listed in these rules be awarded.
13. Sponsor reserves the right to substitute a prize with one of equal or greater value and to cancel, suspend, modify or amend the Contest without prior notice at any time and for any reason. Sponsor reserves the right, in its sole discretion, to disqualify any individual who tampers with, or attempts to tamper with, the entry process or violates any of the Contest Rules. Any attempt to undermine the legitimate operation of the Contest is a violation of criminal and civil laws and should such an attempt be made, Sponsor reserves the right, in its sole discretion, to seek damages or other remedies from any such person(s) responsible to the fullest extent permitted by law.
14. For Entrants, personal data gathered by Educators will be used to administer this Contest and as otherwise permitted or required by law. For referrals, email will be used to send one (1) Commercial electronic message. No further informational or commercial electronic messages will be received by referrals unless referrals provide explicit permission to do so. Please see Educators’ Privacy Policy at www.educatorsfinancialgroup.ca/privacy for information on its policy towards maintaining the privacy and security of your information.
15. All entries become the property of Educators Financial Group. The winner(s), by entering the Contest, consents to the use of their names, city of residence, comments, photographs, images, and/or likenesses, without compensation, in any publicity carried out by Educators in connection with this Contest.
16. The Contest and the Contest rules will be exclusively governed and construed in accordance with the laws of the province of Ontario. Any dispute arising hereunder shall be governed by the laws of Ontario and shall be adjudicated in the applicable court in Toronto, Ontario.