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The Co-operators 2015 Home Insurance Study Giveaway

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Official Rules




ELIGIBILITY: Giveaway is open to individuals who are legal residents of Canada at time of entry and:  1) who have reached the age of majority in the province or territory he or she resides; 2) to whom this offer is specifically addressed; 3) who as of April 2, 2015 have a Co-operators General Insurance Company auto and/or home insurance policy. Officers, directors, employees, agents and representatives of J.D. Power (the “Sponsor”), Co-operators General Insurance Company, and their parent companies, affiliates, advertising and promotion agencies, retailers, distributors (collectively, “Giveaway Entities”), and their immediate family members (defined as parents, siblings, children and spouses, regardless of where they live) and/or those living in the same household of each (whether or not related) are not eligible to enter or win.  Giveaway is subject to all applicable federal, provincial and local laws and regulations. Void where prohibited by law.

HOW TO ENTER:  There are two (2) methods of entry.  Method #1 (“Online Survey”): Visit the URL printed on the offer you received, and follow all instructions to complete and submit the survey (“online entry(ies)”). To qualify, your completed survey must be received during the Giveaway Entry Period.  Method #2 (“Postcard Entry”): To enter Sweepstakes without completing survey, send a postcard with your handwritten name, address, phone number and email address (optional) to: The Co-operators 2015 Home Insurance Study  Giveaway Entry: P.O. Box 9300, Medford, NY 11763-9300, USA (mail-in entry(ies)”) during the Giveaway Entry Period. Mail-in entries must be postmarked during the Giveaway Entry Period and received seven (7) days thereafter. Limit: One entry per person.  Entries with duplicate email addresses or multiple entries using different email addresses for a single individual will be disqualified. In the event of a dispute over the identity of an online entrant, entry will be deemed submitted by the authorized account holder of the e-mail address submitted at time of entry. “Authorized account holder” is defined as the natural person who is assigned to an e-mail address by an Internet access provider, on-line service provider, or other organization (e.g., business, educational institution, etc.) that is responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address. Photocopied, illegible, incomplete or mechanically reproduced entries are not eligible. Sponsor is not responsible for lost, late, damaged, misdirected or postage due mail/entries. Proof of entry submission does not constitute proof of receipt. All entries and requests become the property of Sponsor and will not be acknowledged or returned.

PRIZES: Three (3) prizes will be awarded in the prize drawing: Each winner will receive a $500.00 Visa gift card.   Total value of all prizes: $1,500.00 CAD. Limit: One (1) prize per household/resident. Estimated odds of winning depend on the total number of eligible entries received during the Giveaway Entry Period. Usage of Visa gift card is subject to the Visa gift card terms and conditions and will not be replaced if lost or stolen.

WINNER SELECTION AND NOTIFICATION: Potential winners will be determined in a random prize drawing from all eligible entries received for the Giveaway Entry Period at 4:00 pm Eastern Time on June 17, 2015 at the office of Ventura Associates (60 East 42nd Street, NY, NY 10165 USA), an independent judging organization (“judges”) whose decisions are final and binding in all matters relating to this Giveaway. Potential winners will be notified by telephone and/or e-mail/mail on or about June 18, 2015. If notified by e-mail, three attempts will be made within a five (5) day period using the e-mail address submitted via entrant’s survey/entry. If a potential winner fails to respond within the five (5) day period or if the email is consistently returned as undeliverable and/or for whatever reasons, the potential winner will be disqualified and an alternative winner will be randomly selected. Potential winners will be required to complete, sign and return a Declaration of Eligibility, Liability Release and Publicity Release (collectively, “Release”) within five (5) days of date specified on notification and correctly answer, unaided, a time-limited mathematical skill testing question administered at a mutually agreeable time by telephone. If a potential prize winner fails to return an executed Release within five (5) days, or fails to correctly answer the skill testing question within the time frame provided, or if an e-mail notification and/or mail is returned as undeliverable, or is otherwise found to be ineligible, or if a selected winner cannot accept or receive the prize for any reason, the potential prize winner will forfeit the prize and an alternative winner will be selected who will be subject to disqualification in the same manner. The Sponsor reserves the right to modify the notification procedures in connection with the selection of an alternative winner, if any. Prizes are non-transferable and no substitution by any winner is allowed. Any fees, federal, provincial and income taxes or other expenses relating to the use, misuse, acceptance and possession of the prize are the sole responsibility of each winner. Entry and acceptance of prize constitutes permission (except where prohibited by law) to use each winner's name, prize won, hometown and likeness for online posting and promotional purposes without further compensation.

LIMITATIONS OF LIABILITY & GENERAL: Entrants agree to these Official Rules and the decisions of the judges and the Sponsor, and on their behalf, and on behalf of their respective heirs, executors, administrators, legal representatives, successors and assigns (“Releasing Parties”), release, defend and hold harmless the Giveaway Entities, as well as the employees, officers, directors and agents of each (“Released Parties”), from any and all actions, causes of action, suits, debts, dues, sums of money, accounts, reckonings, bonds, bills, specialties, covenants, contracts, controversies, agreements, promises, variances, trespasses, lost profits, indirect or direct damages, consequential damages, incidental damages, punitive or exemplary damages, judgments, extent, executions, claims and demands whatsoever, in law, admiralty or equity, whether known or unknown, foreseen or unforeseen, against Released Parties which any one or more of the Releasing Parties ever had, now have or hereafter can, shall or may have which in any way arise out of or result from entrant’s participation, acceptance and use or misuse of prize. In the event Sponsor is prevented from continuing with the Giveaway as contemplated herein by any event beyond its control, or otherwise, including but not limited to fire, flood, hurricane, earthquake, explosion, labor dispute or strike, act of God or public enemy, satellite or equipment failure, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared) or any federal, state, or local government law, order, or regulation, or order of any court or other cause, or concerns regarding the safety of any winner, Sponsor shall have the right, subject to the approval of the Régie des alcools, des courses et des jeux (the “Régie”) with respect to residents of Quebec, to modify, suspend, extend or terminate the Giveaway, in whole or in part, at any time and without notice or obligation. Entrants assume all liability for any injury, including death or damage caused or claimed to be caused, by participation in this Giveaway or use, misuse or redemption of any prize.  ANY CLAIMS, JUDGMENTS AND/OR AWARDS SHALL BE LIMITED TO ACTUAL OUT-OF-POCKET COSTS ASSOCIATED WITH ENTERING THIS GIVEAWAY. ENTRANT HEREBY WAIVES ANY RIGHTS OR CLAIMS TO ATTORNEY’S FEES, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ENTRANT, WHETHER FORESEEABLE OR NOT AND WHETHER BASED ON NEGLIGENCE OR OTHERWISE. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, therefore such exclusions may not apply to you.  Notwithstanding any other provision in this Agreement and without waiving either party’s right to appeal such decision, should any portion of this provision be deemed invalid or unenforceable, then the entire provision (other than this sentence) shall not apply. Sponsor is not responsible for any typographical or other error in the printing of the offer, administration of the Giveaway or in the announcement of prizes. Entry materials/data that have been tampered with or altered, or mass entries or entries generated by a script, macro or use of automated devices are void. The Sponsor is not responsible for: (i);  error, omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction or unauthorized access to or alterations of entry materials, or for technical, network, telephone equipment, electronic, computer, hardware or software malfunctions of any kind, or inaccurate transmission of or failure to receive entry information by Sponsor on account of technical problems or traffic congestion on the Internet or at any web site or any combination thereof; (ii) any injury or damage to entrant’s or any other person’s computer related to or resulting from participating in the Giveaway, or (iii) the failure of any third party to comply with the instructions and proper administration of this Giveaway. By participating in the Giveaway, entrants (i) agree to be bound by these Official Rules, including all eligibility requirements, and (ii) agree to be bound by the decisions of Sponsor and the independent judging organization, which are final and binding in all matters relating to the Giveaway. An entrant’s failure to comply with these Official Rules may result in disqualification from the Giveaway. Sponsor reserves the right to: permanently disqualify from any giveaway it sponsors any person it believes has intentionally violated these Official Rules; and terminate the online portion of the Giveaway, if it becomes technically corrupted (including if a computer virus or system malfunction inalterably impairs its ability to conduct the Giveaway), and to select winners from among all eligible entries received prior to termination. LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT AN ENTRANT, TO DELIBERATELY INTERFERE WITH THE OPERATION OF THE GIVEAWAY, IS A VIOLATION OF CRIMINAL & CIVIL LAWS AND SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND DILIGENTLY PURSUE ALL REMEDIES AGAINST ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.

FOR QUEBEC RESIDENTS ONLY: Any litigation respecting the conduct or organization of a publicity contest may be submitted to the Régie des alcools, des courses et des jeux for a ruling. Any litigation respecting the awarding of a prize may be submitted to the Régie only for the purpose of helping the parties reach a settlement.

PRIVACY & OPT OUT: To learn more about the ways the Sponsor and/or the Co-operators General Insurance Company may use and share your information and about your privacy choices, read the J.D. Power Privacy and Cookie Notice at or view Co-operators General Insurance Company’s privacy policy at: (in English) or at: (in French). To opt out from this and/or future survey offers from J.D. Power, please visit

Any information the Sponsor collects from the survey may be stored and processed on a server located in the 50 United States. Entrants’ participation in the Giveaway implies authorization to collect, process and use the data provided and to transfer such data to a country located outside Canada for purposes of management of the Giveaway and future offers for any participant that has opted-in to receive such offers (if applicable).

WINNERS’ LIST: For a list of winners (available after July 21, 2015) send a stamped, self-addressed envelope by July 21, 2015 to: The Co-operators 2015 Home Insurance Study Giveaway Winners List, c/o: Ventura Associates – Attn.: DE/JDPA5378, 60 East 42nd, Street, Suite 650, New York, NY 10165, USA.

SPONSOR: J.D. Power, 2625 Townsgate Road, Suite 100, Westlake Village, CA 91361.

To request a copy of these official rules, please write to: The Co-operators 2015 Home Insurance Study Giveaway Official Rules, c/o: Ventura Associates – Attn. DE, 60 E. 42nd St. Ste. 650, New York, NY 10165, USA.