Insights Exchange contest terms and conditions

  1. Contest Period: The Contest is a quarterly draw and starts on March 9, 2020 at 12:00 a.m. MST and ends on December 7, 2020 at 11:59 p.m. MST (the "Contest Period"). The winner will be randomly selected on the second Monday of the last month of the calendar quarter and will be contacted within 1 week.
  2. Eligibility: No purchase is required. To enter and be eligible to win a prize, you must be a legal resident of Canada (excluding residents of Quebec) who has reached the legal age of majority in your province/territory of residence at the time of entry. Any person who has won a prize in the past two draws is not eligible to win a prize. Any person who, at any time on or after October 2, 2018, was or is a director, officer, agent, representative, or employee of Canadian Western Bank (“CWB” or “Sponsor”) or any of its affiliates (collectively, “CWB Financial Group”), along with any immediate family members of persons in the preceding category (defined as (biological or step-) mother, father, sister, brother, daughter, son, or dependent or spouse of any of the foregoing), regardless of where they live, or who reside in the same household (i.e., live in the same household for at least 3 of the 12 months preceding the start of the Contest Period, whether related or not), are NOT eligible to participate or win a prize.
  3. Agreement to Be Legally Bound by Rules: By participating in this Contest, you are signifying your agreement that you have read and agree to be legally bound by these Official Rules and Regulations (the “Rules”).
  4. Prize: Two $300 Visa gift cards will be awarded each quarter during the Contest Period (once confirmed, “Winner”). The prize is not transferable and cannot be substituted by the winner for cash or otherwise and must be accepted as awarded. CWB reserves the right, in its absolute discretion, to make substitutions of equivalent kind or value in the event of unavailability of all or part of the prize for any reason whatsoever.
    The Winner acknowledges that CWB has not made nor is in any manner responsible or liable for any warranty, representation, or guarantee, express or implied, in fact or in law, relative to prizes, if any, including but not limited to their quality, mechanical condition or fitness for a particular purpose. Any and all warranties and/or guarantees on a prize (if any) are subject to the respective manufacturers' terms therefore, and Winners agree to look solely to such manufacturers for any such warranty and/or guarantee.
    All federal, provincial and local taxes, if any, as well as any other costs and expenses associated with prize acceptance and use not specified herein as being provided are the Winner’s responsibility, regardless of whether a prize is used in whole or in part. All prize details are at the Sponsor's sole and absolute discretion.
  5. How to Enter: To enter, you must complete the survey you receive from CWB Insights Exchange. All survey questions must be answered in order for an entry to be eligible. You will receive one entry for each survey you complete during the calendar quarter. All surveys and information become the property of CWB and will not be returned.
  6. Chances of Winning: On the second Monday of the last month of the calendar quarter, a winner will be randomly drawn from all eligible entries received. The odds of winning a prize depend on the total number of eligible Entries received during the calendar quarter. The selected winner will be subject to verification of eligibility and compliance with these Rules.
  7. The Prize Draw: On or before the second Monday of the last month of the calendar quarter, CWB will conduct a random draw of all survey entrants who completed the survey and one winning entry will be chosen. CWB will attempt to contact the potential prize winner by telephone or email. If the selected entrant cannot be reached within three business days after the date of the draw or after three attempts to contact, whichever comes first, the selected entrant will no longer be eligible to win the prize and CWB shall have the right to choose another entrant from the remaining eligible entries. This process shall continue until a prize winner is selected.
    The potential prize winners must correctly answer unaided, a mathematical skill-testing question to be administered by phone or in writing in order for the prize to be awarded. The potential Prize winner must sign a declaration and release form confirming compliance with these contest rules, confirming acceptance of the price as awarded and discharging and releasing CWB and its officers, directors, shareholders and employees from any and all liability or any injuries, loss or damage of any kind arising from or relating to participation in this Contest or acceptance, use, misuse or nonuse of the prize. The Declaration and Release Form must be signed and returned to CWB within 14 days of receipt. If the Declaration and Release Form is not returned within 14 days of receipt, the potential winner will be disqualified.
  8. General Conditions: This Contest is subject to all applicable federal, provincial and municipal laws. The decisions of the Sponsor with respect to all aspects of this Contest are final and binding on all entrants without right of appeal. Sponsor’s failure to enforce any term of these Rules shall not constitute a waiver of that provision.
    ANYONE DEEMED BY THE SPONSOR TO BE IN VIOLATION OF THE SPONSOR’S INTERPRETATION OF THE LETTER AND/OR SPIRIT OF THESE RULES FOR ANY REASON IS SUBJECT TO DISQUALIFICATION IN THE SOLE AND ABSOLUTE DISCRETION OF THE SPONSOR AT ANY TIME. The Sponsor reserves the right to refuse an Entry from any person whose eligibility is in question or who has been disqualified or is otherwise ineligible to enter. In its sole and absolute determination, the Sponsor may disqualify any person (and to void all associated Entries) if such person acts in any manner to threaten or abuse or harass any person, or to attempt to undermine the legitimate operation of the Contest by tampering, cheating, hacking, deception, or other fraudulent, deceptive or unfair playing practices.
    BY PARTICIPATING IN THIS CONTEST, ENTRANTS AGREE (AND AGREE TO CONFIRM IN WRITING) THAT CWB, SUBSIDIARIES AND AFFILIATES OF CWB, AND EACH OF THEIR OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS (COLLECTIVELY, THE “RELEASED PARTIES”) HAVE NO LIABILITY WHATSOEVER FOR, AND SHALL BE HELD HARMLESS BY ENTRANTS AGAINST, ANY LIABILITY FOR ANY INJURIES, LOSSES OR DAMAGES OF ANY KIND (INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES) TO PERSONS OR PROPERTY RESULTING FROM A PRIZE, INCLUDING THE ACCEPTANCE, POSSESSION, MISUSE OR USE OF THE PRIZE, OR THE MERCHANDISE FOR WHICH IT IS REDEEMED (IF APPLICABLE). FURTHER, BY PARTICIPATING IN THIS CONTEST, ENTRANTS AGREE THAT RELEASED PARTIES HAVE NO LIABILITY WHATSOEVER FOR, AND SHALL BE HELD HARMLESS BY ENTRANTS AGAINST, ANY LIABILITY FOR ANY INJURIES, LOSSES OR DAMAGES OF ANY KIND (INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES) RESULTING FROM: A) ENTRY OR PARTICIPATION IN THIS CONTEST, INCLUDING ACCESS TO AND USE OF THE CONTEST WEBSITE, OR B) ANY CLAIMS BASED ON PERSONALITY OR PRIVACY RIGHTS, DEFAMATION OR MERCHANDISE DELIVERY.
    The Sponsor reserves the right to withdraw, cancel, amend or suspend this Contest (or to amend these Rules) in any way, without prior notice or obligation, in the event of any cause beyond the reasonable control of the Sponsor that interferes with the proper conduct of this Contest as contemplated by these Rules, including, without limitation, any error, problem, computer virus, bugs, tampering, unauthorized intervention, fraud or failure, accident, printing or administrative error, or for any other reason whatsoever. In the event of cancellation, Sponsor reserves the right in its sole and absolute discretion, to randomly select the Winners from among all eligible, non-suspect Entries received up to time of such cancellation. In no event will the Sponsor be liable for more than the stated number of prizes in these Rules.
    By entering this Contest, each entrant expressly consents to the Sponsor, its agents and/or representatives, storing, sharing and using the personal information submitted only for the purpose of administering the Contest and in accordance with Sponsor’s privacy policy. This section does not limit any other consent(s) that an individual may provide the Sponsor or others in relation to the collection, use and/or disclosure of their personal information.