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To be eligible for this Contest, an individual must: (i) be a legal resident of Saskatchewan, Canada; and (ii) have reached the age of majority in their province at the time of entry. The Contest is void where prohibited by law.

The Contest begins when it is published on Heritage Insurance Ltd. Website or newsletter and closes at the deadline shown on the contest page (the "Entry Period"). To enter the Contest, fill out the on-line entry form. The submission of the on-line entry form constitutes an "Entry". There is a limit of one entry per policy held with Heritage Insurance Ltd. If a contest has multiple draws, each draw will be selected from collected entries. Only one prize will be awarded per entrant during the entire period. Entries received online shall be deemed to be submitted by the holder of the email account. Multiple entries by the same person or from the same email address or from the same person from different email addresses in shall result in disqualification, if they do not hold more than one policy with Heritage Insurance Ltd.. All Entries must be submitted no later than the end of the Entry Period. All Entries become the property of Heritage Insurance Ltd. Entries will only be accepted on-line, by mail or in person. Unintelligible, incomplete late or garbled Entries will be disqualified. Each entrant is responsible for providing accurate information as to his/her name, age, residential mailing address, e-mail address and phone numbers. Individuals that provide information reasonably determined by Heritage Insurance Ltd. (in its sole discretion) to be incomplete, false or deceptive will be ineligible to participate. Unless indicated, no Entries will be accepted by any other means, except as noted above. The following are NOT ELIGIBLE to participate in any Heritage Insurance Ltd. Contest (i) employees, officers, director and agents of Heritage Insurance Ltd., Sponsor and or Sponsor’s licensees (“Sponsor Agents”) (ii) parents, spouses, children, brothers and sisters of employees, officers, director and agents of Heritage Insurance Ltd., Sponsor and Sponsor Agents; and (iii) individuals living in the same household. representatives, agents and

a. A random draw from all eligible entries received will take place on or around the deadline shown on the contest page of the Heritage Insurance Ltd. Newsletter or website. Where applicable, the first name drawn is eligible to win the contest's Grand Prize. The subsequent names drawn will win the runner up prizes. Odds of winning are solely dependent upon the number of eligible entries received. The selected entrants will be required to correctly answer a skill-testing question prior to being deemed a winner and demonstrate that they have complied with all the Contest Rules.
b. The selected entrants will be notified by phone or email on the date of the draw and must respond within two (2) business days, by phone, e-mail or in person. If the selected Entrants do not respond in accordance with the Contest Rules or the selected Entrants do not comply with the Contest Rules, he/she will be disqualified and will not receive a prize and another Entrant will be selected from the remaining eligible entries. A contest organizer will attempt to contact the entrant of any such subsequent draw within two (2) business days of such selection and such selection will be otherwise subject to the same conditions as set out in this paragraph.
c. Neither Heritage Insurance Ltd. nor its affiliates will be responsible for the failure for any reason whatsoever of selected Entrants not being able to receive notification or for the selected Entrants not being able to respond as prescribed above. Before being declared a winner, the selected Entrant will be required to sign an agreement and release confirming eligibility for the contest, compliance with the Contest Rules and acceptance of the prize as offered and (i) releasing Heritage Insurance Ltd. and its respective subsidiaries, affiliates, employees directors, officers, suppliers, agents, sponsors and administrators from any and all liability for any loss, harm, damages, cost or expense arising out of participation in this Contest or participating in any prize-related activity or the acceptance, use or misuse of any prize, including without limitation costs injuries, losses and damages related to personal injuries, death, damage to, loss or destruction of property, rights of publicity or privacy, defamation, or portrayal in a false light, or from any and all claims of third parties arising therefrom; and (ii) ) grant to the Sponsors of the unrestricted right, in the Sponsors' collective or individual discretion, to publish, reproduce, convert, broadcast, communicate by telecommunication, exhibit, distribute, translate, adapt and otherwise use and re-use the winning photo image and Winner's name, photograph, likeness, voice and biographical material in any and all media now known or hereafter devised, in connection with the Contest and the promotion and exploitation thereof.. Such agreement and release must be returned within five (5) business days of the notification date indicated on the documents or the selected Entrant will be disqualified and the prize forfeited.

a. Prizing is indicated on the online or newsletter contest form.
b. Prizes must be accepted as awarded and cannot be transferred, substituted or redeemed for cash. Heritage Insurance Ltd. or its affiliates reserve the right, in their sole discretion, to substitute any and all of the prizes for prizes of equal or greater value should all or part of a prize become unavailable for any reason.

a. All entries become property of Heritage Insurance Ltd. upon receipt and will not be returned and no correspondence will be entered into except with selected Entrants.
b. Any attempt to deliberately damage any website or to undermine the legitimate operation of this Contest is a violation of criminal and civil laws and, should such an attempt be made, Heritage Insurance Ltd. reserves the right to seek remedies and damages to the fullest extent permitted by law, including criminal prosecution.
c. Entries are subject to verification and will be declared invalid if they are illegible, incomplete, mechanically reproduced, mutilated, forged, falsified, altered or tampered with in any way.

By entering the Contest, each Entrant:
(a) releases and holds harmless Heritage Insurance Ltd. and administrators and their respective directors, officers, employees, parent companies, subsidiaries, affiliates, suppliers, sponsors and agents from any and all liability for any injuries, loss or damage of any kind to persons, including death, or property damage, resulting in whole or in part, directly or indirectly, from acceptance, possession, use or misuse of any prize, participation in this Contest, or participating in any prize-related activity; and
(b) agrees to fully indemnify Heritage Insurance Ltd. and administrators and their respective directors, officers, employees, parent companies, subsidiaries, affiliates, suppliers, sponsors and agents from any and all claims by third parties without limitation.

By entering this Contest, Entrants agree to be bound by these Contest Rules, which will be available upon request. Entrants further agree to be bound by the decisions of the judges, which shall be final and binding in all respects. Heritage Insurance Ltd. reserves the right, in its sole discretion, to disqualify any Entrant it finds to be:
(a) tampering or attempting to tamper with the entry process or the operation of the Contest or the Contest website;
(b) violating the Contest Rules;
(c) violating the terms of service, conditions or use and/or general rules or guidelines of any canada.com property or service, or
(d) acting in an unsportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person.

Heritage Insurance Ltd. and contest administrators assume no responsibility or liability for lost, late, delayed, misdirected or incomplete Entries, notifications, responses, replies, or any agreement and release documents or for any computer, online, telephone, hardware, software or technical malfunctions that may occur (including but not limited to malfunctions that may affect the transmission or non-transmission of an Entry). Heritage Insurance Ltd. and contest administrators are not responsible for any incorrect or inaccurate information, whether caused by website users or by any of the 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 in the contest. Heritage Insurance Ltd. assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, Entries. Heritage Insurance Ltd. is not responsible for any problems, failures or technical malfunction of any telephone network or lines, computer online systems, servers, providers, computer equipment, software, email, players, or browsers, on account of technical problems or traffic congestion on the Internet, at any website, or on account of any combination of the foregoing. Heritage Insurance Ltd. is not responsible for any injury or damage to Entrants or to any computer related to or resulting from participating or downloading materials in this contest. If, for any reason, the contest is not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of Heritage Insurance Ltd. which corrupt or affect the administration, security, fairness, integrity or proper conduct of this Contest, Heritage Insurance Ltd. reserves the right at its sole discretion to cancel, terminate, modify or suspend the Contest.

In the event of a dispute regarding who submitted an Entry, the Entry will be deemed submitted by the authorized account holder of the e-mail address, submitted at the 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, online service provider or other organization that is responsible for assigning email addresses for the domain associated with the submitted e-mail address. Selected Entrants may be requested to provide Heritage Insurance Ltd. with proof that they are the authorized account holder of an e-mail address associated with the winning Entry.

By entering the contest on-line, by mail or in person, Entrant(s) agree to Heritage Insurance Ltd. use of Entrant(s) personal information as described in Heritage Insurance Ltd. Privacy Policy as set out by SGI Corporate Policy at: www.sgi.sk.ca/corporate_privacy_policy.pdf

These are the official Contest Rules. This Contest is subject to all federal, provincial and municipal laws and regulations. These Contest Rules are subject to change without notice in order to comply with any applicable federal, provincial and municipal laws or the policy of any other entity having jurisdiction over Heritage Insurance Ltd.

Heritage Insurance Ltd. reserves the right to amend or terminate all or any portion of this Contest at any time for any reason without prior notice.

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Heritage Insurance, Ltd.
100A Fairford Street West
Moose Jaw, SK S6H 1V3

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Phone: (306) 693-7640


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