CREDIT EDUCATION WEEK CANADA ESSAY WRITING COMPETITION
1. NO PURCHASE NECESSARY TO ENTER OR WIN
The Credit Education Week Canada Essay Writing Competition (the “Competition”) is
sponsored by Credit Canada (the “Sponsor”). The Competition begins on or about August 16,
2010 and ends at 11:59:59 pm ET on October 15, 2010 (the “Competition Period”). An essay,
described in more detail below, and your contact information (collectively, an “Entry”) must be
received during the Competition Period to be eligible to win.
2. HOW TO ENTER
To enter the Competition:
A. WRITE AN ORIGINAL ESSAY – Write an original essay (the “Essay”), not to exceed
1000 words, that meets all of the requirements outlined in Rule 5 below.
B. SUBMIT YOUR ENTRY – E- mail a copy of your Essay, and include your name,
mailing address, telephone number and e- mail address in the document containing the
Essay, to firstname.lastname@example.org .
LIMIT OF ONE (1) ENTRY PER PERSON. In the event that more than one Entry is
received from any one person or e-mail address, the first Entry received from that person or e-
mail will be considered valid; all subsequent Entries from the same person or e- mail address will
To enter and be eligible to win, you must be a legal resident of Canada, excluding Quebec,
enrolled in a Canadian high school Grade 12 level full-time program throughout the Competition
Employees and board members of Sponsor, Credit Counselling Canada, the Credit Association
of Greater Toronto (“CAGT”), the Ontario Association of Credit Counselling, Capital One,
ASSET, RBC Royal Bank of Canada, Visa Canada, Delloite, TransUnion, and any other sponsor
associated with Credit Education Week Canada, their affiliates or related companies, licensees,
promotion partners, advertising and promotional agencies, and members of the immediate family
(defined as parents, siblings, children and spouses, regardless of where they live) or household
(whether related or not) of such employees are not eligible to enter or win this Competition.
4. JUDGING OF ESSAYS & HOW TO WIN
Eligible Essays received will be judged by a panel selected at Sponsor’s sole and absolute
discretion (the “Judges”) who will review and score the Essays received according to the
Knowledge of savings and money management (20%)
The Essays given the highest scores (the “Selected Essays”) will be eligible to win. If a tie exists
among those Essays eligible to win, then the Essay(s) with the highest score(s) in the Creativity
category will be given higher ranking. If a tie still remains, then the Essay(s) with the highest
score(s) in the combined categories of Creativity and Organization will be given the higher
ranking. In the unlikely event that a tie remains, the tied Essays will be reviewed and scored
according to the same criteria by an independent judge, selected at the Sponsor’s sole and
absolute discretion, for the purposes of breaking the tie. All judging will be completed on or
about October 26, 2010.
Entrants who submitted the Selected Essays (the “Selected Entrants”) will be notified by
telephone that they are eligible to win on or about October 26, 2010. Selected Entrants will be
required to attend our Credit Education Week Canada Diner Gala as well as to read the winning
essay. If a Selected Entrant cannot be located, or does not respond within 2 days of the first
attempt at notification, or cannot attend Diner Gala (GTA participants only), the Selected Entrant
will be disqualified and Sponsor may, at its sole and absolute discretion, choose the next-highest
scoring Entrant who has not yet won a prize, whom Sponsor or its representative will attempt to
contact, and who will be subject to disqualification in the same manner. Odds of winning
depend upon the entrant’s skill and the number of eligible Entries received. Prizes will be
awarded in the form of a cheque to confirmed winners and will be issued by regular mail.
5. ESSAY REQUIREMENTS
Entries must meet the following requirements to be eligible, regardless of entry method:
1. Essay must be written in English.
2. Essay must be typed in 12-point font, and double spaced with one inch margins. No
handwritten essays will be accepted, and the Essay must be in a Microsoft Word or Rich
Text Format file.
3. ESSAY MUST BE NO LONGER THAN 1000 WORDS AND NO LESS THAN 900
4. Essay must be an original work created by the Entrant specifically for this Competition,
in which the Entrant has exclusive intellectual property rights, and it cannot have
previously published, submitted or distributed elsewhere for any other purpose.
5. The Entrant’s name, mailing address, telephone number, and e- mail address must be
included in the document containing the Essay, and will not be counted toward the
1000 word limit.
Entries will be ineligible if they do not meet ALL of the specified requirements in these Official
Rules. Any Essay that, in the sole and absolute discretion of the Jud ges, contains offensive
language, is unnecessarily violent, defamatory, derogatory of any race, ancestry, place of origin,
colour, ethnic origin, citizenship, creed, sex, gender, sexual orientation, age, marital status,
family status, or disability, defames or infringes the right of privacy or publicity or other
proprietary rights of any person, living or deceased, or entity, will be ineligible to win. Sponsor
reserves the right to disqualify any Essay that, in its sole and absolute discretion, it deems
distasteful, inappropriate, or not in keeping with the image of Sponsor.
The Essay must not invade the privacy of any person, living or deceased, or infringe upon any
person’s personal or proprietary rights, including, but without limitation, the mention of any
celebrity’s name, and it may not show, or otherwise refer to the name or image or any other
element to which the Entrant does not have complete rights such as, but not limited to, other
copyrighted materials or trade- marks.
There are fourteen (14) prizes available to be won.
1 Grand Prize: The Entrant who submitted the highest scoring Selected Essay is eligible
to win $5000, courtesy of Capital One.
1 Second Prizes: Entrants who submitted the next second highest-scoring Selected Essays
are each eligible to win $3000, courtesy of Capital One.
1 Third Prizes: Entrants who submitted the following third highest-scoring Selected
Essays are each eligible to win $2500, courtesy of RBC
11 Forth Place Prizes – Entrants who submitted the following eight highest-scoring
Selected Essays are each eligible to win $1000, courtesy of ASSET, TransUnion, CAGT,
Visa Canada, NewStart, Harris and Partners, Deloitte, Citicard Canada, FPSC, and
Meyers Norris Penny.
7. RELEASE & LIMITATION OF LIABILITY
By entering, Entrant releases, discharges, indemnifies and agrees to hold harmless Sponsor,
Credit Counselling Canada, Credit Association of Greater Toronto (CAGT), the Ontario
Association of Credit Counselling, Capital One, RBC Royal Bank of Canada, NewStart, Visa
Canada, ASSET, Deloitte, TransUnion, and any other sponsor associated with Credit Education
Week Canada, their affiliates or related companies, licensees, promotion partners, advertising
and promotional agencies, and their directors, officers, owners, partners, employees, agents,
representatives, successors and assigns (collectively, the “Releasees”) from any claims, damages
or liability due to any injuries, damages, or losses to any person or property resulting in whole or
in part, directly or indirectly, from participation in this Competition or from the acceptance of a
prize. Before being declared a winner, Entrant may be required to sign a Declaration of
Compliance with the Competition Rules and a Release of Liability to the above effect.
Declaration and Release documents must be returned within the time period indicated in the
documents or the prize will be forfeited. If a Selected Entrant is a minor, his or her parent or
legal guardian must sign the documents within the time period outlined before the Selected
Entrant will be declared a winner.
Without limiting the release provided in the previous paragraph, and for greater certainty,
Releasees will not be liable for:
a) Any incomplete or inaccurate information whether caused by the Competition website
users or by any equipment or programming associated with or utilized in the
Competition, or by any technical or human error that may occur in the processing of
b) The theft, destruction or unauthorized access to, or alteration of, Entr ies or the
c) Any problems with, or technical malfunctions of, telephone networks or lines,
computer systems, servers, or network providers, computer equipment, software, bugs,
viruses, trojan horses, worms;
d) Any failure of any e- mail to be received by or from Sponsor for any reason including
but not limited to traffic congestion on the Internet or at any website or combination
e) Damage to an entrant’s or other person’s system occasioned by participation or
downloading of materials in this Competition.
CAUTION: ANY ATTEMPT BY AN ENTRANT TO DELIBERATELY DAMAGE ANY
WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE COMPETITION IS
A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE
MADE, SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH
ENTRANT TO THE FULLEST EXTENT PERMITTED BY LAW.
Sponsor will not be responsible for Entries that are incomplete, lost, misdirected, garbled,
illegible, postage-due, undelivered or late, which Entries will be void. All decisions of the
Judges shall be final and binding in all maters relating to this Competition. All prizes must be
accepted as awarded. Prizes are not transferable. Limit of one (1) prize per household. In the
event of a dispute concerning the identity of the person who submitted an Entry, the Entry will
be deemed to have been submitted by the natural person whose name is identified as the author
in the Essay document as the author. No correspondence will be entered into except with
Selected Entrants. The Competition is subject to all applicable federal, provincial/territorial, and
municipal laws. All taxes associated with the award or receipt of any prize, including but not
limited to income taxes, are the sole responsibility of the winners. All entries become the
property of Sponsor and none will be returned. Paragraph headings are for convenient reference
only, and are not to affect the interpretation of these Official Rules.
By accepting a prize, winners agree to read essay at the dinner gala and grant to Sponsor and its
designees the right, to use their names, photographs, city/province of residence, biographical
information, statements, voice, and likeness for advertising and promotional purposes Sponsor
may conduct relating to its products, services, website, and/or this Competition or any
subsequent competition, in any media or format, now or hereafter known through the world in
perpetuity, without compensation or notification. Entries not complying with these Official
Rules are subject to disqualification. Sponsor reserves the right to terminate or modify this
Competition at any time without notice if any factor interferes with its conduct as contemplated
by these Official Rules
9. ASSIGNMENT OF COPYRIGHT
By entering the Competition, entrants assign to Sponsor all rights, title and interest (and waive
their moral rights) in and to their respective Essays, and grant Sponsor the non-exclusive
irrevocable right to produce, publish, reproduce, edit, modify, adapt, translate, create derivative
works from, copy, and otherwise use the Essay, in whole or in part, to promote this Competition
or for any other purposes, without notice or compensation. Entrants may be required to sign a
document to this effect.
Personal information submitted by the entrants will be used by Sponsor and its authorized agents
to administer the Competition verify winners, and award prizes. All personal information
submitted to Sponsor as a part of this Competition will be treated in accordance with our Privacy
Policy, a copy of which can be viewed at: http://www.creditcanada.com/privacy.asp.