OFFICIAL RULES
OPEN ONLY TO LEGAL RESIDENTS OF CANADA (EXCLUDING QUEBEC) WHO HAVE REACHED THE LEGAL AGE OF MAJORITY IN THEIR PROVINCE/TERRITORY OF RESIDENCE AND ARE GOVERNED BY CANADIAN LAW.
Standard data rates apply to participants who choose to participate in the Contest via a mobile device using data. Please contact your service provider for pricing and service plan information and rates before mobile device participation.
1. CONTEST PERIOD:
The Contest begins on November 3rd, 2026, at 10:30 AM Eastern Standard Time (“ET”) and ends on November 24th, 2026 at 11:59 PM ET (“Contest Period”).
2. ELIGIBILITY:
The Contest is only open to residents of Canada (excluding Quebec) who have reached the legal age of majority in their province/territory of residence at the time of entry. Current employees, representatives, or agents (and those with whom such persons are living, whether related or not) of Credit Canada Debt Solutions (“Sponsor”) and it's prize suppliers, advertising/promotion agencies and any other individual(s), entity or entities involved in the development, production, implementation, administration or fulfillment of the Contest (collectively, the “Contest Parties”) are ineligible to enter.
By entering this Contest, you agree to completely release the Contest Parties and their affiliates from any liability.
3. AGREEMENT TO BE LEGALLY BOUND BY 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”).
4. HOW TO ENTER:
No purchase necessary.
To enter the Contest, you must do the following during the contest period:
Comments made through any other channels (including but not limited to Credit Canada's Facebook. LinkedIn, TikTok and Twitter) will not be eligible for entry.
Once you have completed this step, you will automatically be eligible to earn one (1) Entry (an “Entry”) in the Contest.
To be eligible, all content associated with your Entry must: (i) be submitted and received in accordance with these Rules during the Contest Period; (ii) include all required components noted above; and (iii) be in accordance with:(a) these Rules, including, but not limited to, the specific Participation Requirements listed below in Rule 7; and (b) Instagram’s platform rules.
5. ENTRY LIMIT AND CONDITIONS:
There is a limit of one (1) Entry (an “Entry”) per person and per Instagram account 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 (i) exceed any of the limits stated in these Rules and/or (ii) use multiple names, multiple identities, multiple Instagram accounts, multiple Accounts and/or any automated, macro, script, robotic or other system(s) or program(s) to enter or otherwise participate in or to disrupt the Contest; then they will be disqualified from the Contest in the sole and absolute discretion of the Sponsor. The Contest Parties and each of their respective agents, employees, directors, successors, and assignees (collectively, the “Released Parties”) are not responsible for and accept no liability whatsoever in relation to, any late, lost, misdirected, delayed, incomplete or incompatible Entries (all of which are void). 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 (including, but not limited to, the specific Participation Requirements listed below in Rule 7).
6. VERIFICATION:
All Entries and entrants 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 entrant’s eligibility to participate in this Contest; (ii) for the purposes of verifying the eligibility and/or legitimacy of any Entry, and/or other information entered (or purportedly entered) 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 the Contest will be the official time-keeping device(s) used by the Sponsor.
7. PARTICIPATION REQUIREMENTS:
BY SUBMITTING AN ENTRY, YOU AGREE THAT THE ENTRY (AND EACH INDIVIDUAL COMPONENT THEREOF) COMPLIES WITH ALL CONDITIONS STATED IN THESE RULES. THE RELEASED PARTIES WILL BEAR NO LIABILITY WHATSOEVER REGARDING: (I) THE USE OF YOUR ENTRY (OR ANY COMPONENT THEREOF); (II) PARTICIPATION IN ANY CONTEST-RELATED ACTIVITIES; (III) ANY USE, COLLECTION, STORAGE AND DISCLOSURE OF ANY PERSONAL INFORMATION; AND/OR (IV) IF DECLARED A WINNER, THE PRIZE (INCLUDING ANY USE OR MISUSE OF THE PRIZE).
By participating in the Contest, each entrant hereby warrants and represents that any Entry they submit:
The Sponsor and/or its promotional agency or designated content moderator (the “Reviewer”) reserves the right to screen an Entry. Any Entry that the Reviewer deems, in its sole and absolute discretion, to violate the terms and conditions set forth in these Rules are subject to disqualification. The Reviewer reserves the right, in its sole and absolute discretion at any time and for any reason, to remove any Entry (or any part thereof) and/or to request an entrant to modify, edit and/or re-submit their Entry (or any part thereof) in order to ensure that the Entry complies with these Rules, or for any other reason. If such an action is necessary at any point during or after the Contest, then the Sponsor reserves the right, in its sole discretion, to take whatever action it deems necessary based on the circumstances – including, without limitation, disqualifying the Entry (and therefore the corresponding Entry and/or the associated entrant) – to help ensure that the Contest is being conducted in accordance with the letter and spirit of these Rules. Provided that the content of the Entry is in compliance with these Rules, the content of the Entry Post will not be taken into account in the winner selection process, which is done solely by random draw (see Rule 10 below).
8. LICENSE:
By entering the Contest and submitting an Entry, each entrant: (i) without limiting the Rules, as applicable, grants to the Sponsor, in perpetuity, a non-exclusive license to publish, display, reproduce, modify, edit or otherwise use their Entry (and each component thereof), in whole or in part, for advertising or promoting the Contest or for any other reason; (ii) waives all moral rights in and to their Entry (and each component thereof) in favour of the Sponsor (and anyone authorized by the Sponsor to use such Entry); and (iii) agrees to release and hold harmless the Released Parties from and against any and all claims, damages, liabilities, costs, and expenses arising from use of their Entry (or any component thereof), including, without limitation, any claim based on publicity rights, defamation, invasion of privacy, copyright infringement, trademark infringement or any other intellectual property related or other cause of action whatsoever.
9. PRIZE:
There are (2) prizes (“Prizes”) available to be won. The first prize is “The Future You 5K Fund”, which consists of one (1) $5,000 CAD certified cheque, and (1) “money management bundle”, which contains one (1) copy of the book: “Moolala: Why Smart People Do Dumb Things with Their Money and What You Can Do About It” by Bruce Sellery, one (1) Credit Canada Money Management and Budgeting Workbook, one (1) Credit Canada bag, two (2) Credit Canada notebooks, and four (4) Credit Canada pens. (Total approximate retail value of the Prize: $5,050 CAD).
The second prize is “The Future You 1K Fund”, which consists of one (1) $1,000 CAD certified cheque and (1) “money management bundle”, which contains one (1) copy of the book: “Moolala: Why Smart People Do Dumb Things with Their Money and What You Can Do About It” by Bruce Sellery, one (1) Credit Canada Money Management and Budgeting Workbook, one (1) Credit Canada bag, two (2) Credit Canada notebooks, and four (4) Credit Canada pens. (Total approximate retail value of the Prize: $1,050 CAD).
The Prize must be accepted as awarded and is not transferable, assignable or convertible to cash (except as may be specifically permitted by Sponsor in its sole and absolute discretion). The Sponsor reserves the right to substitute the Prize, or any component of the Prize in the event that such Prize or component is unavailable (or for any other reason), with a prize of equal or greater approximate retail value, including, without limitation, but solely at the Sponsor’s sole discretion, a cash award. All characteristics and features of the Prize, except as otherwise explicitly stated above, are at the Sponsor’s sole and absolute discretion. Prize or components of the Prize may not be exactly as illustrated. Each Prize winner is solely responsible for all costs not expressly described herein.
10. ELIGIBLE PRIZE WINNER SELECTION PROCESS AND ODDS OF WINNING:
A random draw will be held in Toronto, ON, at approximately 10:00 a.m. EST on November 25th, 2026 (the “Contest Draw”). Two (2) Entries will be randomly selected from among all eligible Entries that were submitted and received in accordance with these Rules during the Contest Period. The Sponsor is not required to fulfill all prizes. The Sponsor will only complete one redraw if all prizes are not awarded in the first draw. Eligible entrants are only allowed to win one (1) prize.
11. ELIGIBLE PRIZE WINNER NOTIFICATION PROCESS:
The Sponsor or its designated representative will make a minimum of two (2) attempts to contact the potential Prize winner (via Instagram DM to ask for their email address) within three (3) business days of the Contest Draw. If the potential winner cannot be contacted within three (3) business days of the Contest Draw, or if there is a return of any notification as undeliverable, then they may, in the sole and absolute discretion of the Sponsor, be disqualified (and, if disqualified, will forfeit all rights to the Prize) and the Sponsor reserves the right, in its sole and absolute discretion, to randomly select an alternate potential Prize winner from among the remaining eligible Entries submitted and received in accordance with these Rules during the Contest Period (in which case the foregoing provisions of this section shall apply to such newly selected potential winner).
Each entrant is solely responsible for ensuring their Account settings are configured to receive notification messages, monitoring their Account for such messages, and following all instructions contained therein, failing which they may be disqualified (as determined by the Sponsor at its sole discretion).
12. ELIGIBLE PRIZE WINNER CONFIRMATION PROCESS:
NO ONE IS A WINNER UNLESS AND UNTIL THE SPONSOR OFFICIALLY CONFIRMS HIM/HER AS A WINNER IN ACCORDANCE WITH THESE RULES. Before being declared A CONFIRMED PRIZE winner, each potential winner will be required to 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 will be required to sign and return within the time specified by the Sponsor, the Sponsor’s declaration and release form, which (among other things):
(i) confirms compliance with these Rules;
(ii) acknowledges acceptance of the Prize (as awarded);
(iii) releases the Released Parties from any and all liability in connection with this Contest, their participation therein and/or the awarding and use/misuse of a Prize or any portion thereof;
(iv) agrees to indemnify the Released Parties against any and all claims, damages, liabilities, costs, and expenses arising from use of their Entry or any portion(s) thereof;
(v) agrees to the publication, reproduction and/or other use of their name, address, voice, statements about the Contest and/or photograph or other likeness without further notice or compensation, in any publicity or advertisement carried out by or on behalf of the Sponsor in any manner or medium whatsoever, including print, broadcast, social media or the internet.
If a potential winner: (a) fails to correctly answer the skill-testing question; (b) fails to return the properly executed Contest documents within the specified time (if required); (c) cannot accept (or is unwilling to accept) a Prize (as awarded) for any reason; 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 they will be disqualified (and will forfeit all rights to the applicable Prize) and the Sponsor reserves the right, in its sole and absolute discretion, to randomly select an alternate potential Prize winner in accordance with the procedure outlined above, with the necessary amendments (in which case the foregoing provisions of this section shall apply to such newly selected potential winner).
Once the potential winner is confirmed, the Sponsor will physically deliver the certified cheque Contest Prize to the winner’s house within 60 days of being declared the winner. The Money Management Bundle items will be mailed to the winner at the winner’s address within Canada as specified by the winner.
In no event shall the Sponsor be required to award more than one (1) Prize, as indicated in these Contest rules or award the Prize otherwise than in accordance with these Contest rules.
13. GENERAL CONDITIONS:
All Entries become the property of the Sponsor.... The decisions of the Sponsor with respect to all aspects of this Contest are final and binding on all entrants without right of appeal. ANYONE DEEMED BY THE SPONSOR TO BE IN VIOLATION OF THE LETTER AND/OR SPIRIT 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 or any platform 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, direct message, and/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 entrant’s or any other person’s computer or other device related to or resulting from participating in the Contest; (v) anyone being incorrectly and/or mistakenly identified as a winner or eligible winner; and/or (vi) any combination of the above.
The Sponsor reserves the right, in its sole and absolute discretion, to cancel, withdraw, amend or suspend the 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 the Contest as contemplated by these Rules, including, without limitation, any error, problem, computer virus, bugs, tampering, unauthorized intervention, fraud or failure of any kind whatsoever. Any attempt to undermine the legitimate operation of the Contest in any way (as determined by Sponsor in its sole and absolute discretion) may be 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, in its sole and absolute discretion subject only to the approval of their legal counsel, to cancel, amend or suspend the 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. 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.
The Sponsor reserves the right, in its sole and absolute discretion, to adjust any of the dates, timeframes and/or other Contest mechanics stipulated in these Rules, to the extent deemed necessary by Sponsor, for purposes of verifying compliance by any entrant, Entry and/or other information 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.
By entering this Contest, each entrant expressly consents to the Sponsor, its agents and/or representatives, storing, sharing and using the personal information submitted only for the purpose of administering the Contest and in accordance with the Sponsor’s privacy policy (available at: https://www.creditcanada.com/privacy-policy). This preceding sentence 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.
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, including, but not limited to, point of sale, television, print or online advertising and/or any instructions or interpretations of these Rules given by any representative of the Sponsor, the terms and conditions of these Rules shall prevail, govern and control to the fullest extent permitted by law.
The invalidity or unenforceability of any provision of these Rules shall not affect the validity or enforceability of any other provision. In the event that any provision is determined to be invalid or otherwise unenforceable or illegal, these Rules shall otherwise remain in effect and shall be construed in accordance with the terms as if the invalid or illegal provision were not contained herein.
As a condition of participating in this Contest, each entrant agrees, to the fullest extent permissible by law: (1) under no circumstances will participant be permitted to obtain awards for, and hereby waives all rights to claim punitive, incidental and consequential damages, and any other damages, other than for actual out-of-pocket expenses as set forth in subsection 3 below, and any and all rights to have damages multiplied or otherwise increased; (2) this Contest is governed by the laws of the Province of Ontario, and the laws of Canada applicable therein without regard to its conflicts of law principles and any and all disputes, claims and causes of action arising out of or connected with this Contest or any Prize awarded, shall be resolved individually, without resort to any form of class action, and exclusively before a court of competent jurisdiction located within the city of Toronto; and, (3) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred in participating in this Contest and in no event will participant be entitled to receive legal fees, or any other costs; and (4) participant shall be bound by these Rules.
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