RMG's MyHome Sweepstakes 2019 - Official Rules & Regulations (the "Rules")

The following contest is intended for existing customers of RMG Mortgages who are legal residents of Canada (excluding Quebec) who have reached the age of majority in their province/territory of residence prior to entry. The Contest is called the "RMG's MyHome Sweepstakes 2019" (the "Contest").

YOU MUST HAVE REACHED AGE OF MAJORITY TO ENTER THIS CONTEST.

NO PURCHASE IS REQUIRED TO ENTER BUT YOU MUST HAVE AN EXISTING MORTGAGE WITH RMG MORTGAGES AND MUST REGISTER YOUR PROFILE ON MYRMG by clicking on the ‘Registration’ link on https://www.rmgmortgages.ca/myrmg. By registering your profile, you can access the dedicated Contest Website to enter. By entering the contest you acknowledge and agree that: (i) you have read and understood these Rules in their entirety; (ii) you are eligible to participate in the Contest; and (iii) you agree to abide by the Rules, which are final and binding on all matters pertaining to the Contest. From all eligible entries received, the winner(s) will be selected in the manner detailed below. Eligibility criteria to enter the Contest are described below.

1. Contest Period

The Contest will run from January 1, 2019, 12:01 a.m. Eastern Time ("ET") to December 31, 2019 at 11:59 p.m. ET (the "Contest Period"). The Contest sponsor is RMG Mortgages, a division of MCAP Financial Corporation (the "Sponsor").

2. How To Enter:

No purchase necessary to enter or to win but you must be an existing customer of RMG Mortgages and must register your profile on MyRMG to enter the Contest. The Contest is offered electronically only and is accessible through MyRMG at www.rmgmortgages.ca/myrmg.

Access www.rmgmortgages.ca/myrmg during the Contest Period.  If you have not previously registered your profile, click on the ‘Registration’ link, complete the online registration form and submit as instructed (the "Registration"). All fields on the Registration form must be completed unless they are indicated as optional. Registration will be governed by the privacy rules of the site that can be viewed at www.rmgmortgages.ca/privacy-policy-rmg Once you have completed the Registration you will then be able to access the MyHome Sweepstakes contest link (the "Contest Website") and register for the contest by agreeing to the Rules and Regulations. If you agree, the Sponsor will send you notices and reminders about the Contest and future MyHome Sweepstakes contests.

There are three categories of prizes available during the Contest Period: Monthly Prizes, Picture Your Home Prizes and Story Prizes (collectively, “Prizes”) and the entry mechanism for each is described below.

Monthly Prize entries: Once an entrant has completed the online Registration process, he/she can earn entries for the Monthly Prizes by logging on to the MyRMG portal and accessing the Contest Website. For each month that an entrant logs onto the Contest Website at least once, he/she will have the opportunity to earn one entry for the Monthly Prize by successfully completing the required challenge or activity for that month. 

For each challenge or activity required to earn an entry, the required action as outlined in the description/instruction must be completed in full and meet the compliance guidelines outlined below or on the Contest Website to be accepted as a valid entry to the Monthly Prize draw.  The challenge or activity that the entrant is required to complete to earn an entry into the Monthly draw shall be available from the first calendar day of the applicable month until the last calendar day of the applicable month.

Any challenges or activities that involve written answers are limited to a maximum of 400 words or 2000 characters. Responses that are deemed offensive, harmful, defamatory, or in violation of federal or provincial human rights laws, or that infringe the privacy or intellectual property of any third party will not be accepted and the entry will be forfeited by the entrant. Responses should not include personal information of any person other than the entrant, brands/logos of any third party, or attachments.

Monthly Prize entries are cumulative and will be entered into the draw for the month of entry, as well as all subsequent monthly draws until the end of the Contest Period.

Picture Your Home Prize entries: During the month of May, entrants who log on to the MyRMG portal and access the Contest Website will have the option of uploading and submitting a copy of artwork created by his/her child or minor relative (under the age of 18) in response to the question “draw a picture of your home or favourite place in your home” in order to earn an entry into the Picture Your Home Prize selection. Each entry must be submitted between May 1, 2019 12:01 a.m. ET and May 31, 2019 11:59pm ET and must comply with the following:

·         Each entry must be accompanied by a completed entry form;

·         The artwork must be an original illustration (created by the entrant’s child or minor relative), in colour and can be of any media including but not limited to: paint (oil, acrylic, watercolour), pastels, inks, coloured pencils, markers, etc. Computer generated drawings are acceptable;

·         Artwork cannot have clip art, photographs, third party trademarks, personal information, brands and/or logos; and

·         Artwork must be in one of the following formats: JPG, JPEG, PNG and under 1 MB

Story Prize entries: During the month of September, entrants who log on to the MyRMG portal and access the Contest Website will have the option of submitting a story about “how they have given back to their community in a meaningful or charitable way” in order to earn an entry into the Story Prize selection. Each entry must be submitted between September 1, 2019 12:01 a.m. ET and September 30, 2019 11:59 pm ET and written answers are limited to a maximum of 400 words or 2000 characters. Responses that are deemed offensive, harmful, defamatory, or in violation of federal or provincial human rights laws, or that infringe the privacy or intellectual property of any third party will not be accepted and the entry will be forfeited by the entrant. Responses should not include personal information of any person other than the entrant, brands/logos of any third party, or attachments.

Picture Your Home and Story Prize entries are NOT cumulative, and any entry will be entered only into the prize selection for that month.

Limit one (1) Registration per MyRMG account holder.  Limit one (1) entry per month (for a maximum of twelve (12) entries per year) for Monthly Prizes per account.  Limit one (1) Picture Your Home and one (1) Story Prize entry per account.   Any attempt or suspected attempt to register more than once per account or to enter more than the specified number of entries shall be deemed as tampering and will void all of your entries. Any use of robotic, automatic, programmed or entry methods not authorized by these Rules will void all entries affected by such methods and shall also be deemed as tampering and will void all of your entries.

PERSONS RESIDING IN QUEBEC OR JURISDICTIONS OTHER THAN CANADA ARE NOT ELIGIBLE TO WIN ANY PRIZES IN CONNECTION WITH THIS CONTEST. Employees, representatives and agents (and those with whom they are domiciled) of Sponsor, the contest administrator Environics Analytics, their respective affiliates, subsidiaries, advertising agencies, web masters, site providers, contest judges and/or persons engaged in the development of the promotional material are not eligible to participate in this Contest. Government Agencies are not connected with this Contest and are not liable in any way whatsoever in regard to any matter which relates to this Contest. Persons that do not have a mortgage with the Sponsor are also not eligible to participate in the Contest.

3. Prizes

Monthly Prizes: There will be one (1) Monthly Prize available to be won each month during the Contest Period (for a total of 12 Monthly Prizes). Each Monthly Prize consists of one prize valued at approximately $3,000 or a $4,000 mortgage payment (subject to terms and conditions) as set out below.

January

Mortgage payment**

$4,000

February

$3,000 Travel prize, consisting of $1,500 Air Canada travel voucher and $1,500 Fairmont gift card

$3,000

March

$3,000 HBC gift card

$3,000

April

$3,000 Home Depot gift card

$3,000

May

Mortgage payment**

$4,000

June

$3,000 Travel prize, consisting of $1,500 Air Canada travel voucher and $1,500 Fairmont gift card

$3,000

July

$3,000 Amazon gift card

$3,000

August

$3,000 Ikea gift card

$3,000

September

Mortgage payment**

$4,000

October

$3,000 Travel prize, consisting of $1,500 Air Canada travel voucher and $1,500 Fairmont gift card

$3,000

November

$3,000 HBC gift card

$3,000

December

$3,000 Amazon gift card

$3,000

** One payment of $4,000 against the principal amount of the mortgage held by winner with RMG. For customers who have already reached their maximum annual lump sum privilege payment, the Sponsor may substitute the mortgage payment prize for a VISA gift card valued at $4,000.  The $4,000 payment against the principal amount of the mortgage does not replace the regular scheduled mortgage payment.  Customers are still required to make their regular scheduled mortgage payments.

Picture Your Home Prizes: There are three (3) Picture Your Home Prizes available to be won, each consisting of a $500 Visa prepaid gift card.

Story Prizes: There are three (3) Story Prizes available to be won, each consisting of:

·         A $500 Visa prepaid gift card; and

·         A $500 donation to a recognized charity registered under the Income Tax Act of Canada.

Winner of each Story Prize will have the opportunity to select a recognized charity of their choice to receive the $500 donation, however Sponsor reserves the right, in its sole the discretion, to select an alternate charity if it deems the charity selected by the winner to be inappropriate for whatever reason.

All travel vouchers, gift cards and Visa prepaid gift cards are subject to the terms of their use stated on or with the card. The number of prizes available will be reduced as they are won during the Contest Period.

4. Draws and Winner Selection

Monthly Prizes: On the 3rd business day following the applicable draw month, the Sponsor will randomly draw one (1) eligible entry from all non-previously-winning Monthly Prize entries received between the beginning of the Contest Period and the end of the applicable draw month.  (For example, the draw for the month of March will take place on April 3rd and will include all non-previously-winning Monthly Prize entries received between the beginning of the Contest Period until the last day of March). The draw will take place at 200 King Street West, Toronto, Ontario at or near 1p.m. ET. There will be twelve (12) draws total; one (1) per month.

Picture Your Home Prizes: On June 24 at or near 1p.m. E.T. at 200 King Street West, Toronto, Ontario, the Sponsor will convene a panel of judges to select three (3) entries from all Picture Your Home Prize entries received during the month of May to receive the three (3) Picture Your Home Prizes, based on the following selection criteria, weighed equally: adherence to theme; uniqueness; originality; creativity; technique and overall presentation. The confirmed winners will be announced the week of July 8, 2019.

Story Prizes: On October 21, at or near 1p.m. E.T. at 200 King Street West, Toronto, Ontario, the Sponsor will convene a panel of judges to select three (3) entries from all Story Prize entries received during the month of September to receive the three (3) Story Prizes, based on the following selection criteria, weighed equally: adherence to theme; overall contribution to community; demonstrated compassion and service to others; volunteer and charitable activities; and contribution and impact on a community or individual. The confirmed winners will be announced the week of November 4, 2019.

For all Prizes, the selected entrants will be contacted by phone or email at the Sponsor's sole discretion. Only the selected entrants will be notified. Before being awarded a prize, each selected entrant must have correctly answered without assistance of any kind, whether mechanical or otherwise, a mathematical skill-testing question within the time frame specified by the Sponsor (which will be administered by phone or email). If an eligible entrant is selected but cannot be reached after three (3) attempts, does not respond within the required time, the skill-testing question is not correctly answered within the time frame specified by the Sponsor or the entrant does not otherwise comply with these Rules, the selected entry will be deemed void and an alternate entrant may be selected in accordance with these Rules.

In addition to the above, and prior to being declared an official winner, each selected entrant will be required to sign and return the Declaration and Release Form described below in Rule 6 within the time frame specified by the Sponsor. Only when a selected entrant has complied with all of the above requirements will he/she be declared an official winner (a "Winner").

Award of prizes will be coordinated directly with Winners within 60 days of being declared a Winner. Any further costs and expenses not specifically described as included in the Prize (including, but not limited to claiming and using the prize) are the responsibility of the Winner.

By entering this Contest, all entrants consent to the collection, use and disclosure of their personal information by Sponsor for the purposes of running the Contest or for any other purpose to which entrants consent. Once submitted, entries become the exclusive property of the Sponsor and will not be returned. Personally identifiable information received will be used to verify eligibility and award prizes, for any purpose to which entrants consent, or as otherwise indicated on the Contest Website, and will be collected, used and stored by the Sponsor in accordance with its Privacy Policy. The privacy policy can be found at www.rmgmortgages.ca/privacy-policy-rmg

This Contest is subject to all applicable Federal, Provincial and Municipal laws, and is void where prohibited.

5. Odds of Winning

The odds of winning a Monthly Prize are dependent on the number of eligible entries received from the beginning of the Contest Period until the last day of the applicable monthly draw.  The odds of winning a Picture Your Home Prize or a Story Prize are dependent on the calibre of entries received during the applicable month for that Prize.

6. Release

All the selected entrants will be required to sign and return a full release and indemnity form, ("Declaration and Release Form") within the time stipulated by the Sponsor, stating that he/she has read and understood these Rules, grants all consents and authorizes the Sponsor to use his/her entry, name, city of residence, photograph, likeness, comments and voices in connection with any promotion or publicity at no additional compensation to the selected entrant, beyond the awarding of the Prize. A potential Winner must also agree to accept the Prize as offered.

In the event of non-compliance with these requirements (as applicable) or with these Rules, or if Prize notification or award of Prize is returned undeliverable, Sponsor shall have the right to disqualify the selected entrant, and randomly select from remaining eligible entries an alternate entrant as a potential Winner and shall be fully and completely released and discharged from any liability or responsibility in this regard.

7. Limitations of Liability:

The Sponsor will not be liable for: a) any incomplete, incorrect or inaccurate capture of information, whether caused by Contest Website users or by any equipment or programming associated with or utilized in the Contest, or by any technical or human error which may occur in the processing of entries; b) the theft, destruction or unauthorized access to, or alteration of, entries; c) any problems with, or technical malfunctions of, telephone networks or lines, computer online systems, servers or providers, computer equipment, software, viruses or bugs; d) any failure of any email to be received by or from Sponsor for any reason including but not limited to traffic congestion on the Internet or at any web site or combination thereof, interrupted or unavailable networks; e) damage to a participant's or other person's system occasioned by participation or downloading of materials in this Contest; f) late, delayed, damaged, misdirected, destroyed, lost, illegible, incomplete, incorrect, fraudulent, or stolen entries which will be deemed void.

8. Miscellaneous:

By entering the Contest, entrants agree to abide by the Rules and agree that the decisions of the Sponsor are final and binding in all matters relating to this Contest. The Prizes must be accepted as awarded and no transfer or substitution of the Prize will be permitted except as expressly provided in these Rules or at the Sponsor's sole discretion. The Sponsor reserves the right to substitute any Prize with a prize of equal or greater value if for any reason the Prize cannot be awarded as contemplated in these Rules. Prizes are not convertible to cash. Proof of sending an entry will not be deemed proof of receipt.

All entries become the property of Sponsor. Any attempt to deliberately damage any web site or to undermine the legitimate operation of this Contest is a violation of criminal and civil laws, and should such an attempt be made, Sponsor reserves the right to seek remedies and damages to the fullest extent permitted by law, including criminal prosecution. Entries are subject to verification and will be declared invalid if they are illegible, mechanically reproduced, mutilated, forged, falsified, altered or tampered with in any way or do not otherwise comply with these Rules.

Sponsor reserves the right in its sole and absolute discretion to cancel, withdraw, amend, terminate or suspend this Contest in whole or in part at any time without prior notice or obligation for any reason, including if a virus, bug or other cause beyond the reasonable control of Sponsor corrupts the security, fairness or proper administration of the Contest.