Official Contest Rules

By participating in this Contest, you are signifying your agreement that you have read and agree to be legally bound by these Official Contest Rules (the “Rules”).

The Contest is in no way sponsored, endorsed or administered by, or associated with Acturis Canada Inc. (“Acturis”). Acturis is hereby completely released of all liability by each entrant in this Contest. Any questions, comments or complaints regarding the Contest must be directed to the Sponsor and not Acturis.

The Contest is only open to licensed insurance brokers that are: (i) employed by one of the participating  brokerages  that has an executed broker agreement with Definity Insurance Company (“Sponsor” or “Definity”) in which the brokerage has been appointed as a broker of the Sponsor and is authorized to bind the Sponsor on commercial lines of business; (ii) employed by an insurance brokerage located in any province of Canada (excluding the territories of the Northwest Territories, Nunavut and the Yukon); (iii) residents of Canada (excluding the territories of Northwest Territories, Nunavut and Yukon); and (iv)  the legal age of majority in their province of residence at the time of entry. All determinations as to whether or not a licensed broker is eligible to participate in the Contest will be made by the Sponsor in its sole and absolute discretion. For certainty, employees, representatives and agents (and those with whom such persons are living, whether related or not) of the Sponsor, its parent companies, subsidiaries, affiliates, advertising/promotion agencies and any other individual(s), entity or entities involved in the development, production, administration, or fulfillment of the Contest (collectively, the “Contest Parties”) are not eligible to enter.

NO PURCHASE NECESSARY.

During the Contest Period, brokers can earn base entries (each, a “Base Entry” and together, “Base Entries”) in the Contest each time a broker completes any of the base methods of entry set out as follows:

1. Quote Reference Number:
   Access the Sponsor’s SME Pathway technology powered by Acturis, for quoting and binding software for new small and medium enterprise insurance policies (“SME Pathway”), submit customer details and progress to the Business Details screen. When all of the foregoing steps are complete, a broker will automatically be eligible to earn one (1) Base Entry in the Contest. To be eligible, a quote reference number must be generated at the top of the Business Details screen in SME Pathway.
2. Quote Submission:
   Access SME Pathway and submit an online quote for a new property and casualty insurance policy.  Upon submission, the status of the online quote must be updated to “Obtained” in the SME Pathway to automatically earn two (2) Base Entries in the Contest. 

During the time periods set out below, a broker can earn a bonus entry (each, a “Bonus Entry”) in the Contest each time a broker completes any of the bonus methods of entry set out as follows:

1. Fast Path
   Available only between the dates of July 1, 2025 and July 31, 2025 (“Fast Path Entry Period”).
   
   Access SME Pathway and submit an online quick estimate form during the Fast Path Entry Period, identified as a ‘Fast Path’, on SME Pathway. Upon submission, a premium range online quick estimate must be generated before a broker will  be eligible to earn one (1) Base Entry in the Contest.
2. Credit Consent:
   Available only between the dates of: (a) August 1, 2025 and August 31, 2025; (b) October 1, 2025 and October 31, 2025; and (c) December 1, 2025 and December 31, 2025 (each a “Credit Consent Entry Period” and collectively “Credit Consent Entry Periods”).
   
   Select ‘Yes’ on the ‘Credit Consent’ question prompt in SME Pathway, input the required customer information and progress to a Quote Submission during one of the Credit Consent Entry Periods. When all of the foregoing steps are complete, a broker will automatically be eligible to earn one (1) Bonus Entry in the Contest. To be eligible, the status of an online quote must be updated to “Obtained” in SME Pathway during the applicable Credit Consent Entry Period and such quote must include a Credit Consent.
3. Contractors and Commercial/Residential Realty Selection:
   Available only between the dates of: (a) September 1, 2025 and September 30, 2025; and (b) November 1, 2025 and November 30, 2025 (each a “Contractor/Realty Entry Period” and collectively “Contractor/Realty Entry Periods”).

Select either ‘Contractor’ or ‘Realty’ under ‘Industry’ in the ‘Operations’ section of SME Pathway, provide the required information and progress to a Quote Submission during one of the Contractor/Realty Entry Periods. When all of the foregoing steps are complete, a broker will automatically be eligible to earn one (1) Bonus Entry in the Contest. To be eligible, the status of an online quote must be updated to ‘Obtained’ in SME Pathway during the applicable Contractor/Realty Entry Period and such quote must include a Contractors and Commercial/Residential Realty Selection.

Entries are cumulative and unlimited, subject to the Rules.  Any Base Entry or Bonus Entry earned by a broker in connection with a Quote Submission does not preclude such broker from earning additional Entries for other base or bonus methods of entry in connection with such Quote Submission, subject to the Rules.

By way of example, a broker that obtains a Quote Reference Number, that progresses to a Quote Submission, and such Quote Submission includes a Credit Consent during a Credit Consent Entry Period, such broker will earn four (4) Entries, as follows: one (1) Entry for the Quote Reference Number, two (2) Entries for the Quote Submission and one (1) Entry for the Credit Consent.

Entries that are late, incomplete or otherwise irregular or that do not conform with or satisfy any or all of the conditions of the  Rules or Sponsor’s underwriting standards will be deemed void.  All Entries become the property of the Sponsor upon receipt and none will be returned.

To be eligible, your Entry must be submitted and received in accordance with these Rules during the Contest Period.

There is no limit to the number of Base Entries and Bonus Entries (collectively, “Entries”) that can be received per broker during the Contest Period. If it is discovered by the Sponsor (using any evidence or other information made available to or otherwise discovered by the Sponsor) that any person has attempted to use multiple names, identities, email addresses and/or any automated, macro, script, robotic or other system(s) or program(s) to enter or otherwise participate in or to disrupt this Contest; then he/she 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): (i) the Entry is not submitted and received in accordance with these Rules during the Contest Period; and/or (ii) the Entry is not otherwise in compliance with these Rules (all as determined by Sponsor in its sole and absolute discretion). The Released Parties (defined below) are not responsible for late, lost, misdirected, delayed, incomplete or incompatible Entries or any other Contest-related information (all of which are void).

All Entries and participants 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 Entry or any other information submitted (or purportedly submitted) 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 the letter and spirit of these 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.  The sole determinant of the time for the purposes of this Contest will be the official time-keeping device(s) used by the Sponsor.

Closing dates for individual Prizes are as follows:

65 prizes consisting of 50 Silver Level Prizes, 10 Gold Level Prizes and 5 Platinum Level Prizes, on each of the following closing dates (each a “Contest Closing Date”):

• September 30, 2025 (“Contest Closing Date 1”)
• December 31, 2025 (“Contest Closing Date 2”)

After each of the Contest Closing Dates, the Contest will be closed for the Prizes available to be won during the respective prize period to which such Contest Closing Date corresponds and Entries received after such Contest Closing Date will not be eligible to win such prizes.

There are one hundred and thirty (130) gifts cards or cash equivalent prizes in the aggregate amount of $21,000 CAD available to be won (each, a “Prize” and collectively “Prizes”), further described below:

• Silver Level: 100 - $100 CAD gift cards
• Gold Level: 20 - $300 CAD gift cards
• Platinum Level: 10 – Definity Experiences (approximate $500 CAD prize value, inclusive of HST, further described below)

Platinum Level Prize - Definity Experience:

Each Platinum Level Prize winner will work with the Sponsor’s business development advisor to curate an experience with a retail value of up to $500 per Prize winner.  The experience will be tailored to the Prize winner’s geographic location and preferences and may include, but is not limited to a restaurant experience, sporting event, spa visit, live music or theatre.

All aspects of each Platinum Level Prize will be determined by the Sponsor in its sole and absolute discretion.

In the event a Platinum Level Prize winner is entitled to bring a guest or guests, the following rules will apply:

Guest Requirements: Each confirmed winner’s guest must: (a) either be of the legal age of majority in their jurisdiction of residence or have the express written consent (in form and substance satisfactory to the Sponsor, in its sole and absolute discretion) to accompany the confirmed winner on the Definity Experience; and (b) if required by the Sponsor, sign (and have their parent/legal guardian if they are under the legal age of majority in their jurisdiction of residence) and return the Sponsor’s release (by the date indicated on the release form) indicating (among other things) that they waive all recourse against the Sponsor and all of the other Released Parties relating to their participation in the Definity Experience.

If transportation is required to attend the Definity Experience, it is the entire responsibility of the confirmed winner and their guests to arrange and pay for transportation to and from the Definity Experience, as well as to arrange and pay for accommodations as required.  Neither the Sponsor nor any other entity will be providing any assistance or compensation whatsoever in this or any other regard to the Platinum Level Prize winner and their guest.

The Sponsor and all of the other Released Parties are not responsible for any delay or postponement, for any reason, of any aspect of the Platinum Level Prize. Neither the confirmed winner, nor their guest (if applicable), nor any other person or entity will be compensated in the event of such delay or postponement.

Each Platinum Level Prize winner and their guest (if applicable) must abide by all event and venue policies and ticket terms and conditions, as applicable.  Sponsor reserves the right to revoke the full or partial Definity Experience from any confirmed winner or their guest whom Sponsor, in their sole and absolute discretion, deem may have violated any event or venue policy or law, or may bring the Sponsor or any of the other Released Parties into disrepute.

Each Platinum Level Prize winner will have the option of selecting a gift card with a retail value of $500 in lieu of the Definity Experience if the Sponsor and Prize winner cannot agree upon a concept. 

The following general conditions apply to each Prize: Each gift card is subject to the terms and conditions of the issuer. Each Prize must be accepted as awarded and is not transferable, assignable or convertible to cash (except as set forth herein or may be specifically permitted by Sponsor in its sole and absolute discretion).  No substitutions except at Sponsor’s option.  Sponsor reserves the right, in its sole and absolute discretion, to substitute any Prize or a component thereof with a prize of equal or greater retail value, including, without limitation, but at Sponsor’s sole and absolute discretion, a cash award. IMPORTANT NOTE: Prizes will be awarded to the confirmed winner. The Contest Parties will not involve themselves in, and the Released Parties accept no obligation or liability in respect of, any decision regarding the subsequent distribution, allocation, use or misuse of a Prize.

There is a limit of one (1) Prize per person. Prize winners are fully responsible for any and all applicable federal, provincial and municipal taxes (including income and withholding taxes).

Participants that win a Prize will have the option, in their sole discretion, in lieu of receiving the Prize to donate the cash equivalent of such Prize to one of the Sponsor’s approved charities set out below:

• Canadian Red Cross 
• ALUS Canada  
• Green Communities Canada 
• Windmill Microlending
• HEC's First Nations Executive Education Program

Random draws for individual Prizes will take place at 1:00 PM Eastern Time in Waterloo, Ontario from among all eligible Entries submitted and received before each Contest Closing Date in accordance with these Rules as set out below.

Draws will take place, as applicable, following each respective Contest Closing Date (as set out above), as follows:

Prize draws for 65 Prizes consisting of 50 Silver Level Prizes, 10 Gold Level Prizes and 5 Platinum Level Prizes will take place, following each respective Contest Closing Date (as set out above) as follows:

• October 10, 2025 (“Draw 1”);
• January 9, 2026 (“Draw 2”)

Entries received on or prior to Contest Closing Date 1 are eligible for Draw 1 and ineligible for Draw 2.  Entries received following Closing Date 1 and on or prior to Closing Date 2 are eligible for Draw 2.

The odds of winning depend on the number of eligible Entries submitted and received in accordance with these Rules during the Contest Period.

The Sponsor or its designated representative will make a minimum of 2 attempts to contact each potential Prize winner via email (using the information provided at the time of entry) within 3 business days of the Selection Date. If a potential Prize winner cannot be contacted within 3 business days of the Selection Date, or if there is a return of any notification as undeliverable; then he/she may, in the sole and absolute discretion of the Sponsor, be disqualified (and, if disqualified, will forfeit all rights to the applicable Prize) and the Sponsor reserves the right, in its sole and absolute discretion and time permitting, to select an alternate potential Prize winner following the same applicable winner selection procedure described above (with the necessary amendments), in which case the foregoing provisions of this section will apply to such new potential Prize winner.

BEFORE BEING DECLARED A CONFIRMED PRIZE WINNER, each potential Prize winner will be required to: (a) correctly answer a mathematical skill-testing question without mechanical or other aid (which may, in the sole and absolute discretion of the Sponsor, be administered online, by email or other electronic means, by telephone, or in the Sponsor’s form of declaration and release); and (b) sign and return within two (2) business days of notification the Sponsor’s declaration and release form, which (among other things): (i) confirms compliance with these Rules; (ii) acknowledges acceptance of the applicable Prize (as awarded); (iii) releases the Contest Parties and each of their respective officers, directors, employees, agents, representatives, successors and assigns (collectively, the “Released Parties”) from any and all liability in connection with this Contest, his/her participation therein and/or the awarding and use/misuse of the applicable Prize or any portion thereof; and (iv) agrees to the publication, reproduction and/or other use of the potential winner's name or other likeness without further notice or compensation, in any publicity or advertisement carried out by or on behalf of the Sponsor. If a potential Prize winner: (a) fails to return the properly executed Contest documents within the specified time; (b) cannot accept (or is unwilling to accept) the applicable Prize (as awarded) for any reason; (c) fails to correctly answer the skill-testing question; and/or (d) is determined to be in violation of these Rules (all as determined by the Sponsor in its sole and absolute discretion); then he/she may, in the sole and absolute discretion of the Sponsor, be disqualified (and, if disqualified, will forfeit all rights to the applicable Prize) and the Sponsor reserves the right, in its sole and absolute discretion and time permitting, to select an alternate potential Prize winner following the same applicable winner selection procedure described above (with the necessary amendments), in which case the foregoing provisions of this section will apply to such new potential Prize winner.

All Entries become the property of the Sponsor. 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 participants without right of appeal, including, without limitation, any decisions regarding the eligibility/disqualification of Entries and/or participants.  ANYONE DEEMED BY THE SPONSOR TO BE IN VIOLATION OF THESE RULES FOR ANY REASON IS SUBJECT TO DISQUALIFICATION IN THE SOLE AND ABSOLUTE DISCRETION OF THE SPONSOR AT ANY TIME.  

The Released Parties will not be liable for: (i) any failure of any website during the Contest; (ii) any technical malfunction or other problems of any nature whatsoever, including, without limitation, those relating to the telephone network or lines, computer on-line systems, servers, access providers, computer equipment or software; (iii) the failure of any Entry or other information to be received, captured or recorded for any reason whatsoever, including, but not limited to, technical problems or traffic congestion on the internet or at any website; (iv) any injury or damage to an broker’s or any other person’s computer or other device related to or resulting from participating in the Contest; and/or (v) any combination of the above.

Without limiting the generality of the foregoing, by participating in the Contest, each broker releases the Released Parties from any and all liability in connection with this Contest and his/her participation therein.

In the event of a dispute regarding who submitted an Entry, the Sponsor reserves the right, in its sole and absolute discretion, to require any individual who purports to be the broker that submitted the Entry in question to provide proof to the complete satisfaction of the Sponsor (as determined by the Sponsor in its sole and absolute discretion) of being the broker that submitted such Entry. Failure to provide such proof to the complete satisfaction of the Sponsor within the timeline specified by the Sponsor may result in disqualification (as determined by the Sponsor in its sole and absolute discretion).

The Sponsor reserves the right to withdraw, amend or suspend this Contest (or to amend these Rules) in any way, 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, technical problem, computer virus, bugs, tampering, unauthorized intervention, fraud or technical failure.  Any attempt to deliberately damage any website or to undermine the legitimate operation of this Contest in any way (as determined by Sponsor in its sole and absolute discretion) is a violation of criminal and civil laws and should such an attempt be made, the Sponsor reserves the right to seek remedies and damages to the fullest extent permitted by law.  The Sponsor reserves the right to cancel, amend or suspend this Contest, or to amend these Rules, in any way without prior notice or obligation, in the event of any accident, printing, administrative, or other error of any kind, or for any other reason whatsoever.  Without limiting the generality of the forgoing, the Sponsor reserves the right, in its sole and absolute discretion, to administer an alternate test of skill as it deems appropriate based on the circumstances and/or to comply with applicable law.

By entering this Contest, each broker expressly consents to the Sponsor, its agents and/or representatives, storing, sharing and using the personal information submitted with his/her Entry only for the purpose of administering the Contest and in accordance with Sponsor’s privacy policy (available at: https://www.definity.com/english/privacy and https://www.definity.com/french/privacy).

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.

The Sponsor reserves the right to adjust any of the dates, timeframes and/or other Contest mechanics stipulated in these Rules, to the extent necessary, for purposes of verifying compliance by any broker or Entry with these Rules, or as a result of any technical or other problems, or in light of any other circumstances which, in the opinion of the Sponsor, in its sole and absolute discretion, affect the proper administration of the Contest as contemplated in these Rules, or for any other reason.

In the event of any discrepancy or inconsistency between the terms and conditions of these Rules and disclosures or other statements contained in any Contest-related materials or website(s), including, but not limited to: and entry form, and/or point of sale, television, print or online advertising; the terms and conditions of these Rules will prevail, govern and control to the fullest extent permitted by law.