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Group Insurance Program

Apple Watch Contest Giveaway 2020-2021

Official Rules and Regulations

For Marsh’s Private Client Services’ Group Home and Auto Insurance Programs (The “Contest”)

THE CONTEST IS VALID IN CANADA (EXCLUDING QUEBEC) AND IS OPEN TO ELIGIBLE PERSONS AS SPECIFIED BELOW. VOID ELSEWHERE AND WHERE PROHIBITED BY LAW, RULE OR REGULATION. NO PURCHASE NECESSARY. PURCHASE DOES NOT IMPROVE CHANGES OF WINNING.

1. CONTEST PERIOD

This Contest is sponsored and operated by Marsh Canada Limited (referred to herein as "Sponsor" or "Marsh") with 50% of the contest prize provided by each of Intact Insurance Company and Traders General Insurance Company. The Contest begins at 12:00 AM Eastern Standard Time ("EST") on Sunday, November 1, 2020 and ends at 5:00 PM EST on Monday, March 1, 2021 (the “Contest Period”).  

2. ELIGIBILITY

To be eligible for this Contest, an individual must be: a) a resident of Canada (excluding Quebec) b) the age of majority or older at time of entry and c) an employee or member of a group home and auto insurance programs brokered by Marsh’s Private Client Services requesting a quote for a new home and/or auto policy (“Eligible Person”).

THE CONTEST IS VOID WHERE PROHIBITED BY LAW, RULE OR REGULATION. Employees, officers and directors of Marsh and its respective affiliates (defined as all the companies affiliated with Marsh Canada Limited), subsidiaries, advertising, promotional, fulfillment and marketing agencies, and all of their immediate families (mother, father, brothers, sisters, sons, daughters, husband or wife, regardless of where they reside) and persons living in the same households as these individuals (whether related or not) are not eligible to participate in the Contest. 

3. HOW TO ENTER

NO PURCHASE NECESSARY TO ENTER OR WIN. Purchase is not required to enter the Contest and will not improve your chances of winning.

To enter the Contest, either 1) call 1 877 626 7110 and obtain a free, no-obligation auto and/or home insurance quote through your Group Home and Auto Insurance Program offered by Marsh, or 2) If your home or auto insurance is not yet due, submit the expiry dates of your current insurance policies during the Contest Period for a future quote at www.marsh.ca/quote and you will be automatically entered. Expiry dates submitted via the Marsh website noted above are only considered completed when the “Submit” button is selected and appropriate information is filled out. 

Marsh will not be responsible for late, lost, or destroyed entries. An Eligible Person is only eligible for one entry into the Contest, regardless of method of entry. In the event it is discovered that an entrant attempted to enter the Contest more than once, all of the entrant's entries will be void.

Entries must be received during the Contest Period. Entrants are required to acknowledge their acceptance of the Rules in order to enter the Contest.

4. PRIZING AND HOW TO WIN

4.1 PRIZING

There will be eight prizes available to be won consisting of an Apple Watch Series 3 42 mm Space Gray Aluminum Black Sport GPS (Model No. A1859) with an MRSP value of $299.00 CAD plus applicable taxes based on the manufacturer’s suggested retail price (the “Prize”). The prizes include delivery to one location in Canada. 

4.2 PRIZE DRAW

The random draw for the Prize will take place on or about February 8, 2021 at 12 PM EDT at Toronto (The “Prize Draw”) from all eligible entries received during the Contest winner. 

The potential winner of the Prize Draw will be contacted by email or by telephone. If the selected entrant cannot be contacted or does not respond after a minimum of three (3) attempts within seven (7) calendar days of the first attempt at contact, the selected entrant will forfeit the Prize and another entrant will be selected in the manner described above. In order to be declared the winner, the selected entrant shall have to answer correctly, and without assistance of any kind, a mathematical skill-testing question administered by the Sponsor staff. All decisions of Sponsor are final and binding. The selected entrant will also be required to sign a declaration and release form, as described below, which must be returned within fourteen (14) days following receipt, unless another return date is indicated, or the Prize may be forfeited.  

Before being awarded a Prize, the selected entrant will be required to sign a declaration and release form stating that he/she has read, understood and complied with these Rules, accepts the Prize as offered with terms and conditions as included by Sponsor and releases Sponsor and its affiliates, subsidiaries, agencies and the respective officers, directors, employees and agents thereof from any and all liability of any kind arising out of the selected entrant’s participation in this Contest and receipt and use of the Prize as awarded. If the selected entrant does not respond in the prescribed time, fails to claim the Prize, fails to return the signed declaration and release as required or is otherwise ineligible, the Prize may be forfeited and an alternate entrant will be selected in the manner described above. Marsh reserves the right to post or publish the winner’s name, city or province of residence, photograph, likeliness, voice or other statements on a Marsh or its affiliates website for advertising and promotional purposes, where lawful, without further compensation to the winner.

5. RELEASES AND DISCLAMER

Contest Release

By entering the Contest, participants agree to release, discharge and hold harmless Marsh and its affiliates, subsidiaries, agencies and their respective officers, directors, employees and agents, from any and all damages whether direct or indirect, which may be due to or arise out of participation in the Contest or any portion thereof, or the acceptance, use/misuse or possession of the Prize. By participating, participants agree to be bound by these Rules, including all eligibility requirements, and to the decisions of Marsh whose decisions are final and binding in all respects. Failure to comply with these Rules may result in disqualification from the Contest.

All federal, provincial and local laws and regulations apply. No responsibility or liability is assumed for any computer, telephone, cable, network, satellite, electronic or hardware or software malfunctions, failures, connections, traffic congestion, labour unrest, or unauthorized human intervention, or the incorrect or inaccurate capture of entry or other information, or the failure to capture any such information, including any lost, late, damaged or otherwise deficient or incompletely received entries for any reason. 

Prize Release

If a participant wins a Prize and accepts the Prize, such acceptance shall mean full satisfaction of the entitlement as a participant and winner in the Contest and the participant fully discharges and forever releases Marsh and their respective divisions, subsidiaries, affiliated and related companies and associates, direct or indirect, advertising and promotional agencies, any provincial authorities and all of their respective agents, partners, employees, representatives, shareholders, officers, directors, successors and assigns (collectively, the "Releasees"), of and from any and all claims, demands, losses, damages, actions or causes of action whatsoever, whether known or unknown, whether at law or in equity which they or their heirs, executors, administrators, successors or assigns may now or hereafter have against any of the Releasees in connection with the Prize.

The participant also acknowledges, without limiting the generality of the foregoing, that the Releasees will not be responsible for any injury, accident, or any other loss, damage or expense in connection with the Prize. The participant also acknowledges that none of the Releasees has offered any warranty or guarantee respecting the Prize and that the participant will direct any claims he or she may have relating to the Prize exclusively to the supplier, manufacturer or originator, as the case may be, of the Prize.

Further, the participant assumes all responsibility and liability for any loss, injury or damage to any persons or property, which results from the participant’s actions or omissions, whether negligent or otherwise, in connection with the Prize.

Acceptance of the Prize shall be considered consent to Marsh to use, without further compensation to the participant, name, city of residence, voice, statements and any photograph, film rendering or tape recording of the participant, by or on behalf of Marsh in connection with the Contest in any form of publication or display including, without limitation, newspapers and other publications, radio and television broadcasts, film releases and interactive media worldwide.

6. ODDS OF WINNING

Odds of winning depend on the number of eligible entries received.

7. LIMITATION OF LIABILITY

Marsh will not be responsible for mail, telephone, technical, network, online, electronic, computer hardware or software interruptions or failures of any kind, misdirected, stolen, incomplete, incomprehensible or delayed Internet/e-mail computer transmissions on account of technical problems or traffic congestion on the Internet or at any website, or any combination thereof, including any injury or damage to a participant’s or any other person’s computer relating to or resulting from participation or downloading any materials in this Contest.

Marsh extends absolutely no representations or warranties in respect of the Prize and accepts no liability arising in respect of such Prize or in the use thereof.

If for any reason in the opinion of Marsh, in its sole discretion, the Contest is not capable of running as planned or if the administration, security, fairness, integrity, or proper conduct of the Contest is corrupted or adversely affected, including without limitation by reason of infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes, Marsh reserves the right to cancel, terminate, modify or suspend the Contest, including without limitation the cancellation of any method of entry or the extension or modification of the Contest start and end dates. In such circumstances, Marsh reserves the right to randomly select a winner from previously received valid entries.

8. TAX INFORMATION

All federal, provincial, local, and other taxes on the Prize, if any, are the sole responsibility of the winners.

9. LEGAL WARNING

Any attempt by any individual, whether or not a participant, to damage, destroy, tamper or vandalize the Marsh website, or otherwise interfere with the operation of this Contest, is a violation of criminal and civil law and Marsh reserves the right to seek damages and diligently pursue all remedies in this regard against any offending individual or entity to the fullest extent permissible by law.

10. GENERAL INFORMATION

This Contest is conducted in English and any and all disputes will be resolved in the appropriate courts of the Province of Ontario, Canada exclusively, and subject to the laws of Ontario without regard to its conflict of laws principles.

11. LAWS

These are official Contest rules. This Contest is subject to federal, provincial and municipal laws and regulations. These 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 the Sponsor.

12. TERMINATION

The Sponsor reserves the right to amend, modify, suspend or terminate all or any portion of this Contest at any time for any reason without prior notice.  In such circumstances, Marsh reserves the right to randomly select a winner from previously received valid entries.

13. SEVERABILITY

If a paragraph of the rules is declared or judged illegal, unenforceable or invalid by a court of competent jurisdiction, that paragraph will be considered void but all other unaffected paragraphs will be applicable to the extent permitted by law.

14. WINNERS LIST

To receive the name of the winner in this Contest, please send your request to Emily Poole at emily.poole@marsh.com with the subject line “Apple Watch Contest Giveway 2020-2021.”

Requests must be received no later than April 1, 2021.

15. PERSONAL INFORMATION 

The personal information collected for this Contest is governed by the Privacy Code of Marsh Canada posted at the following address: https://www.marsh.com/ca/en/privacy-policy.html