InsuranceHotline.com Contest Rules and Regulations
  1. Agreement: These rules govern all contests running on or sponsored by InsuranceHotline.com. No purchase is necessary to enter any contest. The act of entering a contest constitutes acceptance of the contest rules and the decisions of the contest judge.

  2. How to Enter: To enter, go to the web page for this Contest, located on this Web site www.InsuranceHotline.com, and complete and submit the registration form as instructed. Only entries submitted electronically to the Web site in accordance with these rules will be eligible for consideration. Entries must be original to entrant. Each winning entry may be published in any medium by InsuranceHotline.com without additional compensation to winner. Entries cannot be acknowledged and become the property of InsuranceHotline.com upon receipt. Submission of entry constitutes permission for InsuranceHotline.com to publish entry on the Web site or in any medium.

  3. Eligibility: The Contest is open to all residents of Ontario who have attained the age of 19, except for employees, immediate families and anyone living with any employee of InsuranceHotline.com, its corporate affiliates or, if applicable, any co-sponsor as described on the contest page of www.InsuranceHotline.com, or their advertising or promotional agencies or affiliates. You must enter online as indicated. Limit of one entry per household

  4. Contest: Start and end dates for each contest are set out on the contest page of www.InsuranceHotline.com. Selected contestants are chosen by random draw. The selected contestant will be contacted by telephone or email by a representative of the sponsors, and must reply within 48 hours to maintain eligibility. In order to be eligible to win, the selected contestant must correctly answer a mathematical skill-testing question.

  5. Prize: Prizes for each contest are set out on the contest page of www.InsuranceHotline.com. Winners must come to InsuranceHotline.com's corporate offices in person to collect the prize won. If the winner does not claim the prize within 10 days the draw, the next eligible entry selected by random draw will be contacted, and the first entrant selected will have no further claim to the prize. InsuranceHotline.com is located at 625 Church Street, Suite 600, Toronto, Ontario. InsuranceHotline.com will not mail or courier prizes and is not responsible for unclaimed prizes.

  6. Release: Prior to receiving the prize, the winner will be required to show valid photo ID and to sign an affidavit of eligibility and release form, releasing the sponsors of all liability, confirming compliance with the rules and consenting to the use of his or her name and photograph, without further compensation, in any publicity carried out by the sponsors and/or their advertising and promotional agencies.

  7. Privacy: We use your personal contact information to administer contests, including contacting, announcing and promoting prizewinners. Contests are run in compliance with InsuranceHotline.com's Privacy Policy, which may be found in full at www.InsuranceHotline.com.

  8. Banning: InsuranceHotline.com may, in its sole discretion, prohibit any person from entering any contest that we believe to be abusing the rules. Such abuse includes entering false information and entering more than once.

  9. Liability: InsuranceHotline.com is not liable for lost, late, stolen, defaced, mutilated, illegible, delayed, or misdirected entries, technical hardware or software failures of any kind, human error, lost or unavailable network connections, or failed, incomplete, or damaged entries, delayed computer transmission which may limit a user's ability to participate in the Contest in any way, even if caused by the negligence of InsuranceHotline.com. InsuranceHotline.com is not responsible for any problems or the technical malfunction of any telephone network or lines, computer online systems, servers, or providers, software or hardware equipment, failure of any email on account of technical problems, or any combination thereof, including any injury or damage to entrant's or any other person's computer or property related to or resulting from participation with this Contest.

  10. Other: All decisions of the contest judge are final. Contests are governed by the laws of Ontario and the laws of Canada applicable therein. The sponsors reserve the right to cancel or modify any contest or the contest rules at any time without notice. All prizes must be accepted as awarded, are non-transferable and are not convertible to cash. The sponsors reserve the right to substitute any prize or portion of the prize with a prize of equal or greater value. All prizes are awarded as-is and no warranties or guarantees are implied or expressed, beyond the standard manufacturer's warranty. The odds of winning depend on how many eligible entries are received. Sponsors are not liable for any errors, damage or negligence that may arise in connection with this contest, including technical failures on the part of contest software, website down-time, human error or property damage incurred by any contest entrant.