There's just something about the lazy days of summer that makes us get lazy with our money, too.  In fact, summertime is one of the seasons Canadians spend the most money – second only to Christmas! 

Between August 20 and September 3rd 2019, Credit Canada hosted a contest where we asked users what you regretted most spending your money on this summer? From overpriced inflatables to trips to the zoo gone wrong, the responses we received were fantastic! Check out some of the awesome entries below.

Credit Canada's Summer Spending Regrets Contest Submissions

My #SummerSpendingRegrets is a dress that i bought online and didn't fit . And eating at a restaurant cost a lot of money 😱

I spent my money on some new face cream. 


This is my yoga swing. That has no where to hang which is what i so wanted to yoga swing outside all summer & now still in bag.

 

 

 

 

I overspent on some decadent treats!

Well I bought 2 hats this summer 👒👒....and I hate hats! So what are the chances I'll wear and make use of them?

I spent way too much money on our tourist-in-our-hometown weekend outing. we did have a lot of fun but we didn't need to buy the swag!

I bought these super expensive, super cute silhouette pictures of my kids. Haven’t gotten them framed or hung up yet. 🙈🤑

 I bought a kayak that I have used once! 

A dress off Amazon...a medium apparently is a muumuu?

I ordered a big inflatable floatie & was sent a toddler's size one instead of adult & it was too much of a hassle to ship it back. I donated it to a local community centre.

I bought summer clothing online, and pretty much none of it fit! I wasn't careful enough to read the return policy before I bought it - by time I paid for shipping, and a large 'restocking fee', it wasn't worth returning. Lesson learned!

I probably sat on more patios than I should have eating out....

All the hard work, water, electricity and expense to grow my own veggies and they didn't produce as much as any other year. #feelingdefeated #SummerSpendingRegrets

I "wrecked" my mailbox by painting it. So had to buy a new one. it's too sticky to use now. So spending money on a mailbox was not in my budget. #SummerSpendingRegrets. Blah. :(

when I went shopping in Palm Springs and forgot a shopping bag in the hotel room🤦‍♀️


I over spent on my kids. 2 cars and new clothes, ouch

I bought some camping gear that I haven't used, it went on sale 40% off but because it was more than 30 days since i bought it i wasn't offered the sale rebate :(

Ate too much ice cream 🍦🍨

We didn't shop when the grocery flyer had really good sales and when we shopped it was the first of the month when food is most expensive because that is when the pension cheques are issued. It cost us double for groceries and we got less for it.. It was just a few days difference when one grocery flyer sale ends and a new flyer comes out. (Someone else takes us shopping for groceries and was not available during the week that things were cheaper)

I regret *not* having spent money at the gardening centers. Spring was so late, and by the time I was ready to put in flowers, the best deals were done. I hate spending on over-priced plants at the end of the season.

A fancy garden hose I cannot figure out how to work it.

I always over spend on coffee. Doesn't really matter the season, but I tried and failed to buy less this summer

Bought a bunch of garden vegetables and because of the constant rain - they are not producing. =(

I bought a 6 man tent I only used once :( 

#S🍉mmerspendingregrets
Ea🍴ing at a restaurant:
could have made it quickly at home. For less than half

This summer I went through 3 different baby formulas that my newborn was allergic to 🤦‍♀️ such a waste of $.

I am regretting all the necessary money we are putting into our home we may have to sell 😞

I bought new office clothes for a job I just got only to have them end up smelling like garbage! 😝(I work in an environmental facility)

We definitely over spent on eating out at restaurants! Although the girls have very much enjoyed it and it gave mom a break in the kitchen, it is not cheap and was beginning to be a bit much

I spent a ton of money on strawberries that went bad the next day 😞

I bought way too many cocktails when we were eating out this summer 🍹 🤦🏻‍♀️

I did get a backpack and too many summer shorts and shirts that did not use at all.

Too much eating and drinking out 😱

 

 

 

Dinner out with overpriced desserts.


Definitely on too many shoes! I love flip flops and I can wear them all day everyday but I bought a bunch and only wear the same pair everywhere lol

Spending money at restaurants is something we did often this summer and although the girls love it , man does it ever add up. It definitely was something that was a nice treat and then became a bit too much.


Feeling a little regretful buying an overly expensive foundation last week! 😥


Bought some new suitcases for travel but never left the city this summer but HEY maybe next year #SummerSpendingRegrets


A beautiful pot of flowers......died the first week!

The cowboy hat I lost at bvj.

I overspent on our lawn seeding and since then we had construction on our front street and they dug up the grass plus a shrub I planted last year. oh well 😃

A parking ticket.

An inflatable dingy.

I spent enough on a lobster dinner when we travelled to P.E.I so much so we brought back 20 lol

Spent way too much on public parking in Seattle holy cow.

Way too much on gas. Seriously ridiculous ⛽😤

I bought a summer family pass for the public pools and we only went twice all summer, oops!

I paid way too much for a really good cell phone on a Friday evening. I ordered a expensive case online. But the case arrived on Tuesday, the day after my toddler niece grabbed it and dropped it. And yes - it smashed. It's now a paperweight :)

bought a beautiful swan floating thingy but we didn’t have a summer here so cold and rainy here in the North!
Should have bought an umbrella ☔️😢

A leather vest for motorcycle riding that a visiting puppy chewed the shoulder out of before I ever was able to wear it 😕#SummerSpendingRegrets

Uncomfortable heels that were too gorgeous to resist.👠

I bought myself and my daughter season passes to Wonderland and we have hardly gone this year.

I spent too much on summer clothes not realizing i could actually save for winter jacket as its going to be my very first winters here.

Renting a boat at camp for 600 dollars. Used it once because it rained all week. 🙄

Wonderland passes :( we went a few times but wont go back again this year and still have 2 more payments on 6 passes :(

Too many tomato and pepper plants. It just wasn't hot enough, and they're still small, puny little things. Not good.

We bought a BBQ and have only used it twice. it was a cheap one and already the automatic start button doesn't work. i need to have my husband home to start 'er up!

I bought a hydro flask for $54 

Ordered some summer sandals online in my size & when they arrived they were way too small - should have checked that they were European made & sizing was different OUCH!

I spent too much on a jacket, wore it twice and my puppy jumped up and it ripped 🤦‍♀️ I was regretting it first, then it was ruined, I shouldn't have gotten it! lol

Food out on daily basis...And clothes that I never wore😢😢😢

A few Funko Pops 🤦 they're cute but kind of pointless and expensive

Stocked up on sunscreen we didn’t use due to rain and it will expire before next summer

I paid way to much for a crappy bottle of wine...could have had 5 bottles of the cheaper stuff that I know is good! LOL!

Sandals that were a little tight, but thought they’d stretch if worn in. Wrong!...I purchased blisters lol

Bought some new swimming trunks for the lake this year and never made it out #SummerSpendingRegrets maybe next year!

I bought a new pair of shoes that no one likes.

A bathing suit they I never wore 👙

I bought a sun dress that shows too much :(

Going to see the newest X-Men movie. #SummerSpendingRegrets It was bad

Got a new bike 🚲 and 2 weeks later the bike split in half. 


Bought some sleeping bags for the lake and never left the city Ouch!

Taking the kids to the zoo. They fought and complained the entire time so after about an hour we left.

A lot of NBA gear.....

Bought some citronella plants & citronella wax candles to keep the mosquitos at bay this year & because of the extremely dry weather here on the prairies there were no pesky bugs to be found - a waste on the purchase.

The wrong paint for a DIY 👩🏼‍🎨😁 #SummerSpendingRegrets 

 

WINNING ENTRY:

Bought 2 birdhouses in the spring that never got put out. A waste of money. 💰

 

 

CONTEST HAS CLOSED. Winner was announced September 5, 2019.

 

Full Contest Rules and Regulations

This contest is open to residents of Canada (excluding Quebec) and is governed by Canadian Law. Standard data rates apply to participants who choose to participate in the Contest via a mobile device.  Please contact your service provider for pricing and service plan information and rates before mobile device participation.

1. KEY DATES: The “Summer Spending Regrets” Social Media Contest (the “Contest”) begins on August 20, 2019 at 12:01 p.m. Eastern Standard Time (“EST”) and ends on September 3, 2019 at 11:59 p.m. EST (the “Contest Period”).

2. ELIGIBILITY TO ENTER: The Contest is open to residents of Canada, excluding the province of Quebec, who have reached the legal age of majority in their province/territory of residence at the time of entry except employees, representatives or agents (and those with whom such persons are living, whether related or not) of Credit Canada Debt Solutions (the “Sponsor”), their parent companies, subsidiaries, associated and affiliated entities, 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”).  

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 Rules and Regulations (the “Rules”).

4. FACEBOOK, INSTAGRAM AND TWITTER NOT INVOLVED: The Contest is in no way sponsored, endorsed or administered by, or associated with Facebook, Instagram or Twitter (the “Social Platforms”).  The Social Platforms are 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 to the Social Platforms. 

5. HOW TO ENTER: No purchase necessary. To earn an entry in the Contest (each, an “Entry” and collectively, the “Entries”) via Facebook, log into your Facebook account  (each, an “Account”) at https://www.facebook.com/ on your computer, tablet or mobile device or by using the Facebook app on your tablet or mobile device during the Contest period and post a comment (a “Comment”) describing something you spent your money on during the summer that you now regret. Include the hashtag #SummerSpendingRegrets and tag a friend. You may only use one (1) Facebook Account to participate in this Contest. To be eligible to earn an Entry, your Account must be set to public, not private, and you must be following or ‘like’ Credit Canada’s Facebook page @CreditCanada.
   
   To earn an entry in the Contest (each, an “Entry” and collectively, the “Entries”) via Instagram, log into your Instagram account  (each, an “Account”) at https://www.instagram.com/ on your computer, tablet or mobile device or by using the Instagram app on your tablet or mobile device during the Contest period and comment below the Contest Post (a “Post”) describing something you spent your money on during the summer that you now regret. In order to be eligible to receive an Entry, the Post must contain the hashtag #SummerSpendingRegrets (one entry) and you must tag a friend. You may only use one (1) Instagram Account to participate in this Contest. To be eligible to earn an Entry, your Account must be set to public, not private, and you must be following @CreditCanada on Instagram. 
   
   To earn an entry in the Contest (each, an “Entry” and collectively, the “Entries”) via Twitter, log into your Twitter account  (each, an “Account”) at https://twitter.com/ on your computer, tablet or mobile device or by using the Twitter app on your tablet or mobile device during the Contest period and  reply to the Contest tweet (a “Tweet”) with a unique personal example of something you spent your money on during the summer that you now regret. In order to be eligible to receive an Entry, the Tweet must contain the hashtag #SummerSpendingRegrets (one entry) and you must tag a friend. You may only use one (1) Twitter Account to participate in this Contest. To be eligible to earn an Entry, your Account must be set to public, not private, and you must be following @Credit Canada on Twitter.
   
   Contest participants may submit multiple Entries on all three Social Platforms; however, if the same Entry is posted on Facebook, Instagram, and Twitter, it is considered a single Entry. At the end of the Contest Period, each Post from an eligible Account that complies with these Rules will earn one (1) Entry in the contest. If you do not have an Account, you can create one free of charge at www.facebook.com, www.instagram.com and/or twitter.com on your computer, tablet or mobile device or through the Facebook, Instagram and/or Twitter mobile applications on your tablet or mobile device.
   
   To be eligible to earn an Entry, each Post or Tweet must contain a unique personal example of a summer spending regret, and only the first Account to submit a Post or Tweet containing a particular example of a summer spending regret, determined by the date stamp on that Post or Tweet, will receive an Entry in the contest for that Post or Tweet. For the avoidance of doubt, Posts and Tweets which contain a duplicate, or materially similar Post or Tweet (as determined by the Sponsor in its sole and absolute discretion) as a previous eligible Post or Tweet will not earn an Entry.
   
   All Entries and materials associated with your Entry (collectively, the “Entry Materials”) must: (i) be submitted and received in accordance with these Rules during the Contest Period; (ii) include all required components noted above; (iii) be in accordance with these Rules, including, but not limited to, the specific Submission Requirements listed below in Rule 8; and (iv) be in accordance with the applicable terms, rules, policies and guidelines of the applicable Social Platform (the “Social Platform Rules”), to earn an Entry, all as determined by the Sponsor at its sole and absolute discretion. 

6. PRIZE LIMIT AND CONDITIONS: There is a limit of one (1) Prize (as defined below) per person throughout this Contest (regardless of how many unique Posts you submit).  Under no circumstances will any participant be eligible to win more than one (1) Prize.  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) receive more than one (1) Prize; and/or (ii) use multiple names, identities, email addresses, Accounts and/or any automated, macro, script, robotic or other system(s) or program(s) to receive more than one (1) Prize or otherwise disrupt this Contest; then he/she may be disqualified from the Contest in the sole and absolute discretion of the Sponsor. The Contest Parties, Facebook, Instagram and Twitter, and each of their respective agents, employees, directors, successors, and assigns (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 (including, but not limited to, all required Entry Materials) is not submitted and received in accordance with these Rules during the Contest Period; and/or (ii) the Entry Materials accompanying the Entry are not in compliance with these Rules (including, but not limited to, the specific Submission Requirements listed below in Rule 8) and/or the applicable Social Platform Rules, all as determined by Sponsor in its sole and absolute discretion.

7. VERIFICATION: All Entries, Entry Materials 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 individual’s eligibility to participate in this Contest; (ii) for the purposes of verifying the eligibility and/or legitimacy of any Entry, Entry Materials 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 at the sole and absolute discretion of the Sponsor. The sole determinant of the time for the purposes of this Contest will be the Sponsor’s official clock(s).

8. SUBMISSION REQUIREMENTS: BY SUBMITTING AN ENTRY, YOU REPRESENT THAT YOUR ENTRY (AND EACH INDIVIDUAL COMPONENT THEREOF – INCLUDING, WITHOUT LIMITATION, THE ENTRY MATERIALS) 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 – INCLUDING, WITHOUT LIMITATION, THE ENTRY MATERIALS) FOR THE PURPOSES SET OUT UNDER THESE CONTEST RULES; (II) SUBMISSION OF YOUR ENTRY (INCLUDING ANY APPLICABLE INTERNET OR DATA CHARGES) AND PARTICIPATION IN ANY CONTEST-RELATED ACTIVITIES; (III) ANY USE, COLLECTION, STORAGE AND DISCLOSURE OF ANY OF YOUR PERSONAL INFORMATION; AND/OR (IV) IF YOU ARE DECLARED A WINNER, THE PRIZE (INCLUDING ANY USE OR MISUSE OF THE PRIZE). YOU AGREE TO THE RELEASED PARTIES SHALL BE HELD INDEMNIFY AND HOLD HARMLESS AND INDEMNIFIED BY YOU THE RELEASED PARTIES IN THE EVENT THAT YOU HAVE DEPARTED FROM OR NOT OTHERWISE FULLY COMPLIED WITH ANY OF THESE RULES AND/OR THE SOCIAL PLATFORM RULES (AS APPLICABLE). THIS RELEASE AND INDEMNITY SHALL CONTINUE IN FORCE FOLLOWING THE TERMINATION OF THE CONTEST AND/OR AWARDING OF ANY PRIZES.
   
   By participating in the Contest, you warrant and represent that your Entry and any Entry Materials you submit:
   
   i. is/are original to you, and that you have obtained all necessary rights in and to your Entry and the Entry Materials for the purposes of entering such Entry and Entry Materials in the Contest;
   
   ii. does not violate any law, statute, ordinance or regulation;
   
   iii. does not contain any reference to or likeness of any identifiable third parties, unless consent has been obtained from all such individuals and their parent/legal guardian if they are under the age of majority in their jurisdiction of residence;
   
   iv. will not give rise to any claims whatsoever, including, without limitation, claims of infringement, invasion of privacy or publicity, or infringe on any rights and/or interests of any third party; and
   
   v. is/are not defamatory, trade libelous, pornographic or obscene, and further that it does not contain, depict, include, discuss or involve, without limitation, any of the following: nudity; alcohol/drug consumption or smoking; explicit or graphic sexual activity, or sexual innuendo; crude, vulgar or offensive language and/or symbols; derogatory characterizations of any ethnic, racial, sexual, religious or other groups (including, without limitation, Credit Canada Debt Solutions, Sponsor, or any competitors of Credit Canada Debt Solutions or Sponsor); that endorses, condones and/or discusses any illegal, inappropriate or risky behaviour or conduct; personal information of individuals, including, without limitation, names, telephone numbers and addresses (physical or electronic); commercial messages, comparisons or solicitations for products or services other than products of the Sponsor or Credit Canada Debt Solutions; any identifiable third-party products, trade-marks, brands and/or logos, other than those of the Sponsor or Credit Canada Debt Solutions (e.g. any clothing worn and/or products appearing in your Entry or Entry Materials must not contain any visible logos, trademarks or other third party materials unless the appropriate consents have been obtained --- note: all identifiable third-party products, trademarks, brands and/or logos for which consent has not been obtained by the entrant must be blurred out so as to be unrecognizable); conduct or other activities in violation of these Rules; and/or any other materials that are or could be considered inappropriate, unsuitable or offensive, all as determined by the Sponsor in its sole and absolute discretion.
   
   The Sponsor and/or its promotional agency or designated content moderator (the “Reviewer”) reserves the right to screen all Entries and Entry Materials. Any Entries or Entry Materials 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 Entries (or any part thereof) and/or to request an entrant to modify, edit and/or re-submit his or her Entry (or any part thereof) in order to ensure that the Entry and associated Entry Materials comply 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/or the associated entrant) – to help ensure that the Contest is being conducted in accordance with the letter and spirit of these Rules.

9. LICENSE: By entering the Contest and submitting an Entry, each entrant: (i) without limiting the applicable Social Platform Rules, grants to the Sponsor, in perpetuity, a non-exclusive license to anonymously publish, display, reproduce, modify, edit or otherwise use his/her Entry and Entry Materials (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 his/her Entry and Entry Materials (and each component thereof) in favour of the Sponsor (and anyone authorized by the Sponsor to use such Entry and Entry Materials); 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 anonymously using his/her Entry and Entry Materials (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.  

10. PRIZES: There will be one (1) Prize available to be won, consisting of one (1) $50 CAD gift card. The Prize must be accepted as awarded and is not transferable or assignable (except as may be specifically permitted by the Sponsor in its sole and absolute discretion). No substitutions except at the Sponsor’s option. Sponsor reserves the right, in its sole and absolute discretion, to substitute a Prize or a component thereof with a prize of equal or greater retail value. None of the Released Parties makes any representation or offers any warranty, express or implied, as to the quality or fitness of the Prize awarded in connection with the Contest. To the fullest extent permitted by applicable law, the confirmed winner understands and acknowledges that he or she may not seek reimbursement or pursue any legal or equitable remedy from neither the Sponsor nor any of the Released Parties should his/her Prize fail to be fit for its purpose or is in any way unsatisfactory. For greater certainty and the avoidance of any doubt, by accepting a Prize, a confirmed winner agrees to waive all recourse against the Released Parties if the Prize or a component thereof does not prove satisfactory, either in whole or in part.

11. ELIGIBLE WINNER SELECTION PROCESS: On September 4, 2019 (the “Selection Date”) in Toronto, ON at approximately 10:00 a.m. Eastern Standard Time (“EST”), one (1) eligible Entry will be selected by a judging panel from among all eligible Entries submitted and received in accordance with these Rules.  The panel will consist of two (2) representatives from Maverick and one (1) representative from the Sponsor (each, a ‘Judge’, collectively the ‘Judging Panel’). The odds of winning depends on the number and quality of eligible Entries submitted and received in accordance with these Rules, provided that no more than one (1) Entry will be selected per Entrant, based on the following criteria:

• Originality of the unique personal example of a summer spending regret.

12. ELIGIBLE WINNER NOTIFICATION PROCESS: The Sponsor or its designated representative will make a minimum of one (1) attempt to contact each eligible winner within three (3) business days of the Selection Date. Attempts to contact eligible winners will take the form of a direct private message and/or public post on Facebook, Instagram or Twitter to the user from the Sponsor’s Account, @CreditCanada, which will mention the eligible winner’s Account and will invite them to direct message the Sponsor’s Account. If an eligible winner fails to direct message the Sponsor’s Account, or cannot be otherwise contacted within three (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 randomly select an alternate eligible entrant from among the remaining eligible Entries submitted and received in accordance with these Rules in accordance with the procedures outlined in Rule 11 (in which case the foregoing provisions of this section shall apply to such a newly selected eligible winner). 

13. ELIGIBLE 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, the eligible winner will be required to sign and return within five (5) 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 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; (iv) agrees to indemnify the Released Parties against any and all claims, damages, liabilities, costs, and expenses arising from use of his/her Entry and Entry Materials; and (v) agrees to the publication, reproduction and/or other use of his/her 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 or the internet.  If an eligible winner: (a) fails to return the properly executed Contest documents within the specified time; (b) cannot accept (or is unwilling to accept) the Prize (as awarded) for any reason; and/or (c) is determined to be in violation of these Rules (all as determined by the Sponsor in its sole and absolute discretion); then he/she will be disqualified (and will forfeit all rights to the applicable Prize) and the Sponsor reserves the right, in its sole and absolute discretion and time permitting, to randomly select an alternate eligible entrant from among the remaining eligible Entries submitted and received in accordance with these Rules in accordance with the procedures outlined in Rule 11 (in which case the foregoing provisions of this section shall apply to such newly selected eligible winner). 

14. GENERAL CONDITIONS: 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 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, mobile application or any Social 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, Entry Materials 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, mobile application, or Social Platform; (iv) any injury or damage to an entrant’s (or any other person’s) computer, tablet, mobile device 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.
    
    By entering this Contest, each entrant expressly consents to the Sponsor, its agents and/or representatives, storing, sharing and using their personal information for the purpose of administering the Contest and in accordance with Sponsor’s privacy policy (available at: https://creditcanada.com/privacy-policy). 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.
    
    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.
    
    To the fullest extent permitted by applicable law, all issues and questions concerning the construction, validity, interpretation and enforceability of these Rules or the rights and obligations of participants, the Sponsor or any of the other Released Parties in connection with the Contest will be governed by and construed in accordance with the domestic laws of the Province of Ontario and the federal laws of Canada applicable therein, without giving effect to any choice of law or conflict of law rules or provisions that would cause the application of any other jurisdiction’s laws. The parties hereby consent to exclusive jurisdiction and venue of the courts located in Ontario in any action to enforce (or otherwise relating to) these Rules or relating to this Contest.

Sponsor: Credit Canada Debt Solutions: 45 Sheppard Avenue East, Suite #810, Toronto, ON M2N 5W9