The following contest is intended for existing customers of RMG Mortgages who are legal residents of Canada (excluding Quebec) who have reached the age of majority in their province/territory of residence prior to entry. The Contest is called the "RMG’s MyHome Sweepstakes 2020" (the "Contest").
NO PURCHASE IS REQUIRED TO ENTER BUT YOU MUST HAVE AN EXISTING MORTGAGE WITH RMG MORTGAGES AND MUST REGISTER YOUR PROFILE ON MYRMG by clicking on the ‘Registration’ link on https://www.rmgmortgages.ca/myrmg. By registering your profile, you can access the dedicated Contest Website to enter. By entering the contest you acknowledge and agree that: (i) you have read and understood these Rules in their entirety; (ii) you are eligible to participate in the Contest; and (iii) you agree to abide by the Rules, which are final and binding on all matters pertaining to the Contest. From all eligible entries received, the winner(s) will be selected in the manner detailed below. Eligibility criteria to enter the Contest are described below.
PERSONS RESIDING IN QUEBEC OR JURISDICTIONS OTHER THAN CANADA ARE NOT ELIGIBLE TO WIN ANY PRIZES IN CONNECTION WITH THIS CONTEST. Employees, representatives and agents (and those with whom they are domiciled) of Sponsor, the contest administrator Environics Analytics, their respective affiliates, subsidiaries, advertising agencies, web masters, site providers, contest judges and/or persons engaged in the development of the promotional material, and any mortgage broker are not eligible to participate in this Contest. Government Agencies are not connected with this Contest and are not liable in any way whatsoever in regard to any matter which relates to this Contest. Persons that do not have a mortgage with the Sponsor are also not eligible to participate in the Contest.
The Contest will run from January 1, 2020, 12:01 a.m. Eastern Time ("ET") to December 31, 2020 at 11:59 p.m. ET (the "Contest Period"). The Contest sponsor is RMG Mortgages, a division of MCAP Financial Corporation (the "Sponsor").
No purchase necessary to enter or to win but you must be an existing customer of RMG Mortgages and must register your profile on MyRMG to enter the Contest. The Contest is offered electronically only and is accessible through MyRMG at https://rmg.entrez.ca/.
Registration: Access https://www.rmgmortgages.ca/myrmg during the Contest Period. If you have not previously registered your profile, click on the ‘Registration’ link, complete the online registration form and submit as instructed (the "Registration"). All fields on the Registration form must be completed unless they are indicated as optional. Registration will be governed by the privacy rules of the site that can be viewed at www.rmgmortgages.ca/privacy-policy-rmg. Once you have completed the Registration you will then be able to access the MyHome Sweepstakes contest link (the "Contest Website") and register for the contest by agreeing to these Rules. If you agree, the Sponsor will send you notices and reminders about the Contest and future MyHome Sweepstakes contests.
Entry Mechanism: Once an entrant has completed the online Registration process, he/she can earn entries for the Prizes by logging on to the MyRMG portal, accessing the Contest Website, and/or completing a challenge or activity described on the Contest Website. Limit one (1) Registration per MyRMG account holder. There are two categories of prizes available during the Contest Period: Monthly Prizes and Quarterly Grand Prizes (collectively, “Prizes”). The entry mechanism for each type of Prize is described below.
Monthly Prizes: If the entrant logs onto the Contest Website at least once during a calendar month, the entrant will have the opportunity to complete a challenge or activity on the Contest Website and receive one (1) entry into the Monthly Prize draw for that applicable month. Entries received in any given month will not be eligible for subsequent Monthly Prizes.
For each challenge or activity required to earn an entry, the required action as outlined in the description or instructions must be completed in full and meet the compliance guidelines outlined below and on the Contest Website to be accepted as a valid entry to the Contest. The challenge or activity that the entrant is required to complete to earn an entry for the applicable month shall be available from the first calendar day of the applicable month until the last calendar day of the applicable month.
Any challenges or activities that involve written answers are limited to a maximum of 400 words or 2000 characters. Responses that are deemed offensive, harmful, defamatory, or in violation of federal or provincial human rights laws, or that infringe the privacy or intellectual property of any third party will not be accepted and the entry will be forfeited by the entrant. Responses should not include personal information of any person other than the entrant, brands/logos of any third party, or attachments.
Quarterly Grand Prizes: By registering for the Contest, each entrant will receive one (1) Quarterly Grand Prize Entry. For each entry into a Monthly Prize draw, an entrant will also automatically receive one (1) entry into the Quarterly Grand Prize draws. In addition, entrants also have the opportunity to earn additional Quarterly Grand Prize entries through each of the following:
Limit one (1) prize per person, whether Monthly Prize or Quarterly Grand Prize. When the entrant logs into the Content Website, their total number of entries toward the Quarterly Grand Prize draws will be displayed. Quarterly Grand Prize entries are cumulative and entries will be entered into the draw for all Quarterly Grand Prizes that have not yet been drawn at the time of entry until the end of the Contest Period. For example, an entry toward the Quarterly Grand Prize made in on February 1, 2020 will be entered into all eight (8) Quarterly Grand Prize draws occurring later in the year.
Any attempt or suspected attempt to register more than once per account or to enter more than the specified number of entries shall be deemed as tampering and will void all of your entries. Any use of robotic, automatic, programmed or entry methods not authorized by these Rules will void all entries affected by such methods and shall also be deemed as tampering and will void all of your entries.
Monthly Prizes: There will be one (1) Monthly Prize available to be won for each month during the Contest Period, for a total of twelve (12) Monthly Prizes. Each Monthly Prize consists of one prepaid VISA Gift Card valued at $500.
Quarterly Grand Prizes: There will be eight (8) Quarterly Grand Prizes available to be won during the Contest Period, as described below:
| ENTRY ELIGIBILITY PERIOD | NUMBER OF QUARTERLY GRAND PRIZES AVAILABLE | QUARTERLY GRAND PRIZE | APPROXIMATE RETAIL OF EACH PRIZE |
| January 1, 2020 to March 31, 2020 | One (1) | Rona Gift Package consisting of one (1) $5,000 gift card for Rona | $5,000 |
| January 1, 2020 to June 30, 2020 | One (1) | Travel Package consisting of one (1) $2,000 Air Canada travel voucher, one (1) $2,000 Fairmont gift card, and one (1) $1,000 prepaid VISA gift card | $5,000 |
| January 1, 2020 to September 30, 2020 | One (1) | Cash value of winner’s municipal property tax bill for the 2020 property tax year, up to a maximum of $9, 000.* | Up to $9,000 |
| January 1, 2020 to December 31, 2020 | Five (5) | $4,000 in cash to be put toward the winner’s MCAP mortgage payment** | $4,000 |
* The selected entrant for the property tax prize must provide the Sponsor with their final 2020 municipal property tax bill within 30 days of being notified that they are the potential prize winner. Once verified, the Sponsor will issue a cheque for the exact amount of the property tax bill for the year 2020, up to a maximum of $9,000. (For example, if the selected entrant’s property tax bill is $4,300, the Sponsor will award the prize in the form of a cheque for $4,300. If the selected entrant’s property tax bill is $9,300, the Sponsor will award the prize in the form of a cheque for $9,000). The winner is responsible for the administration of their property tax account. The Sponsor will not make any payments directly to the winner’s municipal property tax account.
** One payment of $4,000 against the principal amount of the mortgage held by prize winner with MCAP. For customers who have already reached their maximum annual lump sum privilege payment, the Sponsor may substitute the mortgage payment prize with a VISA gift card valued at $4,000. The $4,000 payment against the principal amount of the mortgage does not replace the regular scheduled mortgage payment. Customers are still required to make their regular scheduled mortgage payments.
Monthly Prizes: On the 3rd business day following the applicable draw month, the Sponsor will randomly draw one (1) entry from the eligible entries received during the applicable draw month. The draw will take place at 200 King Street West, Toronto, Ontario at or near 1p.m. ET. There will be twelve (12) draws total; one (1) per month.
Quarterly Grand Prizes: On the 3rd business day following the months of March, June, September, and December, the Sponsor will randomly draw one (1) eligible entry from all eligible Quarterly Grand Prize entries received between the beginning of the Contest Period and the applicable draw date. The draw will take place at 200 King Street West, Toronto, Ontario at or near 1p.m. ET.
For all Prizes, the selected entrants will be contacted by phone or email at the Sponsor's sole discretion. Only the selected entrants will be notified. Before being awarded a prize, each selected entrant must have correctly answered without assistance of any kind, whether mechanical or otherwise, a mathematical skill-testing question within the time frame specified (if any) by the Sponsor (which will be administered by phone or email). If an eligible entrant is selected but cannot be reached after three (3) attempts, does not respond within the required time, the skill-testing question is not correctly answered within the time frame specified by the Sponsor or the entrant does not otherwise comply with these Rules, the selected entry will be deemed void and an alternate entrant may be selected in accordance with these Rules.
In addition to the above, and prior to being declared an official winner, each selected entrant will be required to sign and return the Declaration and Release Form described below in Rule 6 within the time frame specified by the Sponsor. Only when a selected entrant has complied with all of the above requirements will he/she be declared an official winner (a "Winner").
Award of prizes will be coordinated directly with Winners within 60 days of being declared a Winner. Any further costs and expenses not specifically described as included in the Prize (including, but not limited to claiming and using the prize) are the responsibility of the Winner.
By entering this Contest, all entrants consent to the collection, use and disclosure of their personal information by Sponsor for the purposes of running the Contest or for any other purpose to which entrants consent. Once submitted, entries become the exclusive property of the Sponsor and will not be returned. Personally identifiable information received will be used to verify eligibility and award prizes, for any purpose to which entrants consent, or as otherwise indicated on the Contest Website, and will be collected, used and stored by the Sponsor in accordance with its Privacy Policy. The privacy policy can be found at http://www.rmgmortgages.ca/privacy-policy-rmg.
This Contest is subject to all applicable Federal, Provincial and Municipal laws, and is void where prohibited.
The odds of winning a Monthly Prize are dependent on the number of eligible entries received from the first day of the applicable month until the last day of the applicable month. The odds of winning a Quarterly Grand Prize are dependent on the number of eligible entries from the start of the Contest Period until the draw date for the applicable Quarterly Grand Prize. Number of prizes available will be reduced as they are won during the Contest Period.
All the selected entrants will be required to sign and return a full release and indemnity form, ("Declaration and Release Form") within the time stipulated by the Sponsor, stating that he/she has read and understood these Rules, grants all consents and authorizes the Sponsor to use his/her entry, name, city of residence, photograph, likeness, comments and voices in connection with any promotion or publicity at no additional compensation to the selected entrant, beyond the awarding of the Prize. A potential Winner must also agree to accept the Prize as offered.
In the event of non-compliance with these requirements (as applicable) or with these Rules, or if Prize notification or award of Prize is returned undeliverable, Sponsor shall have the right to disqualify the selected entrant, and randomly select from remaining eligible entries an alternate entrant as a potential Winner and shall be fully and completely released and discharged from any liability or responsibility in this regard.
The Sponsor will not be liable for: a) any incomplete, incorrect or inaccurate capture of information, whether caused by Contest Website users or by any 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; b) the theft, destruction or unauthorized access to, or alteration of, entries; c) any problems with, or technical malfunctions of, telephone networks or lines, computer online systems, servers or providers, computer equipment, software, viruses or bugs; d) any failure of any email to be received by or from Sponsor for any reason including but not limited to traffic congestion on the Internet or at any web site or combination thereof, interrupted or unavailable networks; e) damage to a participant's or other person's system occasioned by participation or downloading of materials in this Contest; f) late, delayed, damaged, misdirected, destroyed, lost, illegible, incomplete, incorrect, fraudulent, or stolen entries which will be deemed void.
By entering the Contest, entrants agree to abide by the Rules and agree that the decisions of the Sponsor are final and binding in all matters relating to this Contest. The Prizes must be accepted as awarded and no transfer or substitution of the Prize will be permitted except as expressly provided in these Rules or at the Sponsor's sole discretion. The Sponsor reserves the right to substitute any Prize with a prize of equal or greater value if for any reason the Prize cannot be awarded as contemplated in these Rules. Prizes are not convertible to cash. Proof of sending an entry will not be deemed proof of receipt.
All entries become the property of Sponsor. Any attempt to deliberately damage any web site or to undermine the legitimate operation of this Contest is a violation of criminal and civil laws, and should such an attempt be made, Sponsor reserves the right to seek remedies and damages to the fullest extent permitted by law, including criminal prosecution. Entries are subject to verification and will be declared invalid if they are illegible, mechanically reproduced, mutilated, forged, falsified, altered or tampered with in any way or do not otherwise comply with these Rules.
Sponsor reserves the right in its sole and absolute discretion to cancel, withdraw, amend, terminate or suspend this Contest in whole or in part at any time without prior notice or obligation for any reason, including if a virus, bug or other cause beyond the reasonable control of Sponsor corrupts the security, fairness or proper administration of the Contest.