Official Contest rules

  1. ELIGIBILITY: The Mortgage Madness Sweepstakes (“Sweepstakes”) is open to individuals who are 18 years or older and are legal residents of, and physically reside in, the province of Ontario, Canada (each, an “Entrant”). Employees of Windsor Family Credit Union Limited (the “Sponsor”), its divisions, subsidiaries, affiliates, vendors, advertising and promotion agencies, or any other individual or company involved in the development or execution of the Sweepstakes (collectively, the “Sweepstakes Entities”), and members of their immediate family (spouse or common law partner, parent, child, or sibling, regardless of where they reside) or household (whether or not related), are not eligible to participate or win.

By participating in the Sweepstakes, each Entrant is confirming that they have read and agree to comply with these official rules.

  1. ENTRY PERIOD: Sweepstakes begins at 12:00:00 AM Eastern Time (“ET”) on October 1, 2021 and ends at 11:59:59 PM ET on December 31, 2021 (the “Sweepstakes Entry Period”). There are also two early bird prize periods as follows: Early Bird Prize Period #1 begins at 12:00:00 AM ET on October 1, 2021 and ends at 11:59:59 PM ET on October 31, 2021; Early Bird Prize Period #2 begins at 12:00:00 AM ET on October 1, 2021 and ends at 11:59:59 PM ET on November 30, 2021.
  1. HOW TO ENTER: There are two methods of entry.

Method #1: You will receive one (1) unique contest entry code when your owner-occupied mortgage loan application with WFCU Credit Union or ECU – A Division or WFCU Credit Union is closed between October 1, 2021 and December 31, 2021 (any owner-occupied mortgage loan application that is brought to WFCU Credit Union or ECU Credit Union through a Mortgage Broker is not eligible). To receive one (1) entry into the Sweepstakes you must enter your unique contest entry code along with your contact information on the www.mortgagemadness.ca/enter website by 11:59:59 PM ET on December 31, 2021.  Limit one (1) entry per mortgage loan account, regardless of how many borrowers are contractually on the mortgage loan account. Each eligible entry received during the Sweepstakes Entry Period will be entered into the prize drawing for a Grand Prize.

In addition to the Grand Prize drawing, all entries received during Early Bird Prize Period #1 will be entered in to the Early Bird prize #1 drawing and all entries, except the Early Bird prize #1 winner, received during Early Bird Prize Period #2 will be entered in to the Early Bird prize #2 drawing.

Method #2: To enter the Sweepstakes without closing a mortgage loan with WFCU Credit Union or ECU – A Division or WFCU Credit Union, you may submit a mail-in entry. To enter via this method, handwrite your first and last name, street address, phone number and email address, along with a handwritten 50 word or longer essay about your dream home, on a postcard and mail your entry to: WFCU Credit Union, Mortgage Madness Sweepstakes, c/o Marketing Department, 3000 Marentette Avenue, Windsor, Ontario, N8X 4G2. To be eligible for the Grand Prize drawing, your mail-in entry must be postmarked during Sweepstakes Entry Period and received within seven (7) days from the postmark date. To be eligible for the Early Bird prize #1 drawing, your mail-in entry must be postmarked during Early Bird Prize Period #1 and received within seven (7) days of the postmarked date. To be eligible for the Early Bird prize #2 drawing, your mail-in entry must not have been selected during the Early Bird prize #1 drawing, and must be postmarked during Early Bird Prize Period #2 and received within seven (7) days of the postmark date. If the last day of the entry period is on a Sunday or Provincial Holiday, then your mail-in entry must be postmarked the next business day and received 7 days thereafter. Sponsor is not responsible for late, lost, damaged, illegible, misdirected or postage due mail. Limit of one (1) mail-in entry per person/household. Any attempted participation beyond this limit or multiple entries received from any person (including, without limitation, by providing multiple sets of false contact information) are void and they may be disqualified at Sponsor’s sole discretion. Entries that are incomplete, garbled, corrupted, mechanical, or unintelligible for any reason, are void and will not be accepted. Multiple Entrants are not allowed to share the same email address. If there is a dispute as to the identity of an Entrant, the prize will be awarded to the authorized account holder of the email address associated with the winning entry. The “Authorized Account Holder” is defined as the natural person to whom the email address is assigned by an Internet service provider, online service provider or other organization (e.g., business, educational institution, etc.) that is responsible for assigning email addresses for the domain associated with the submitted email address. If a dispute cannot be resolved to Sponsor’s satisfaction, the affected entry will be deemed ineligible.

Sponsor may prohibit an Entrant from participating in the Sweepstakes or winning a prize if, in its sole discretion, it determines or suspects that said Entrant is attempting to undermine the legitimate operation of the Sweepstakes by cheating, deceiving or using other unfair playing practices. Entries become the property of the Sponsor and will not be acknowledged or returned. Neither the Sponsor nor its designated agents assume responsibility for third parties’ failure to act in accordance with Sponsor’s instructions pertaining to the implementation of the Sweepstakes.

  1. WINNER SELECTION PROCEDURES & ODDS: All potential winners will be selected at random. All random drawings will be conducted from all entries received that are eligible for that drawing, under the supervision of the Sponsor whose decisions are final and binding in all matters related to the Sweepstakes. Odds of winning a prize depend on the total number of eligible entries received for a given entry period.
  1. WINNER NOTIFICATION: Each potential winner will be notified by the Sponsor and/or the Sponsor via email, telephone and/or courier service within five (5) business days after each prize drawing is conducted. Each potential winner will be required to, within five (5) days of the date specified on the notification (i) complete, sign and return a Declaration of Eligibility and Liability and Publicity Release (“Declaration/Release”); and (ii) correctly answer a time limited mathematical skill-testing question without aid or assistance, to be administered as part of the Declaration/Release.

Failure to comply within this time deadline will result in disqualification. In the event it is determined that a winner cannot be contacted or is contacted but does not respond within the time allocated, or cannot continue in the Sweepstakes for any reason, or has not complied with these Official Rules, or has made false statements on the entry, or has failed to execute and return Declaration/Release or correctly answer the mathematical skill-testing question within the specified time period, or a notification is returned as undeliverable, then such potential winner will be disqualified and an alternate potential winner will be selected from remaining eligible entries. This process will be repeated up to three (3) times after which point, if a winner cannot be declared, the prize will not be awarded. The Sponsor reserves the right to modify the notification procedures in connection with the selection of an alternate winner, if any. If a potential winning entry (from entry method #1) has multiple account holders: all joint account holders will be named on the notification but only one (1) Declaration/Release will be sent to the address available on file and one (1) designated account holder must sign the Declaration/Release on behalf of all joint account holders. Should a winner make any false statement(s) in any document required by Sponsor, such winner will be disqualified and required to promptly return to Sponsor the prize. Participation in the Sweepstakes and acceptance of any prize (subject to verification) constitute permission (except where prohibited by law) to use each winner’s name, entry, hometown, likeness, prize won, statements and photograph (all at Sponsor’s discretion) for future advertising, publicity in any and all media (including online posting) now or hereafter devised throughout the world in perpetuity, in any manner, without additional compensation or notification to or permission from any winner.

  1. PRIZES: A total of six (6) Grand Prizes will be awarded. Limit of one (1) Grand Prize per person. One (1) Early Bird Prize will also be awarded for each Early Bird Prize period for a total of two (2) Early Bird Prizes. Limit of one (1) Early Bird Prize per person.

Each Grand Prize consists of the following:

If a Grand Prize winner has a mortgage loan account with WFCU Credit Union or ECU – A Division of WFCU Credit Union, the Grand Prize will consist of the amount of the winner’s monthly mortgage payments (up to a maximum of $2,500 per month), to be credited to the winner’s mortgage account each month for 12 consecutive months. If the winner’s monthly mortgage payment is less than $2,500, the additional funds will not be awarded to the member.  If a winner does not have a mortgage loan with WFCU Credit Union or ECU – A Division of WFCU Credit Union, the prize amount will be calculated by using an average dollar amount of all other winner’s mortgage amounts and will be awarded in the form of a corporate cheque.

Each Early Bird Prize consists of $2,500 cash.  If the winner has a WFCU Credit Union or ECU – A division of WFCU Credit Union chequing or savings account, the funds will be deposited in to the primary account holder’s account.  If the winner does not have a chequing or savings account with WFCU Credit Union or ECU – A division of WFCU Credit Union, the prize will be awarded in the form of a corporate cheque.

Prizes will be awarded within forty-five (45) days after receipt and verification of completed Declaration/Release. All provincial and local income taxes relating to the use, acceptance and possession of prize are the sole responsibility for each winner. Each winner will be required to provide valid identification before any prize be awarded. No prize substitution permitted by any winner, however, Sponsor reserves the right to substitute any prize with another of comparable value, at its sole discretion.

  1. CONSENT AND RELEASE: To the fullest extent possible in law, Entrants, and on behalf of their respective heirs, executors, administrators, legal representatives, successors and assigns, release, defend and hold harmless the Sweepstakes Entities (“Releasees”) from any and all actions, causes of action, suits, debts, dues, sums of money, accounts, reckonings, bonds, bills, specialties, covenants, contracts, controversies, agreements, promises, variances, trespasses, lost profits, indirect or direct damages, consequential damages, incidental damages, punitive or exemplary damages, judgments, extent, executions, claims and demands whatsoever, in law, admiralty or equity, whether known or unknown, foreseen or unforeseen, against Sweepstakes Entities which any one or more of the Sweepstakes Entities ever had, now have or hereafter can, shall or may have which in any way arise out of or result from Entrant’s participation in this Sweepstakes or acceptance, use or misuse of any prize. The Sponsor is not responsible for any typographical or other error in the printing of the offer, administration of the Sweepstakes or in the announcement of any prize. The Sponsor reserves the right to modify, suspend or cancel the Sweepstakes or these Official Rules at any time and without notice including in the event Sponsor is prevented from continuing with the Sweepstakes as contemplated herein by any event beyond its control, or otherwise, including but not limited to fire, flood, earthquake, explosion, labor dispute or strike, act of God or public enemy, satellite or equipment failure, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared) or any federal, provincial, or local government law, order, or regulation, or order of any court, or other cause. Furthermore, the Sponsor reserves the right to terminate the Sweepstakes if it becomes technically corrupted or if fraud, technical failures, any other errors or other causes corrupt the security or integrity of the Sweepstakes (including if a computer virus or system malfunction inalterably impairs its ability to conduct the Sweepstakes), and to determine winners from among all eligible entries received prior to termination. Entrants assume all liability for any injury, including death or damage caused or claimed to be caused, by participation in this Sweepstakes or indirect use or redemption of the prize.
  1. GENERAL/LIMITATIONS: Sponsor is not responsible for (i) entries that are altered, delayed, deleted, destroyed, forged, fraudulent, improperly accessed, inaccurate, incomplete, interrupted, irregular in any way, late, lost, misdirected, multiple, non-delivered, stolen, tampered with, unauthorized, unintelligible or otherwise not in compliance with these Official Rules; (ii) any attempts to submit entry that is interrupted or unavailable satellite, network, server, Internet Service Provider, or other connections; telephone or cell phone availability or accessibility; miscommunications; failed computer, satellite, telephone or cable transmissions, lines or technical failure; (iii) jumbled, corrupted, scrambled, delayed or misdirected transmissions; (iv) computer hardware or software malfunctions, failures, technical errors or difficulties; (v) unauthorized human intervention or human error; (vi) undeliverable emails resulting from any form of active or passive email filtering, insufficient space in Entrant’s email account to receive email; (vii) other errors of any kind, whether due to electronic, human, mechanical, printing, production or technical errors or other causes; even if caused by the negligence of any of the Releasees. Each of such potential entries will be disqualified. Void where prohibited or restricted by law and subject to all applicable federal, provincial, and local laws and regulations.

Sponsor reserves the right at its sole discretion to disqualify any individual that behaves in an unsportsmanlike, disruptive, annoying, harassing or threatening manner; or tampers or attempts to tamper with the entry process and/or the operation of the Sweepstakes or violates these Official Rules. LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT AN ENTRANT, TO DELIBERATELY INTERFERE WITH THE OPERATION OF THE SWEESPTAKES, IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND DILIGENTLY PURSUE ALL REMEDIES AGAINST ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.

  1. RIGHTS GRANTED BY YOU: By accepting a prize, you understand and agree that WFCU Credit Union, anyone acting on behalf of WFCU Credit Union and WFCU Credit Union’s licensees, successors, and assigns, shall have the right, where permitted by law, to print, publish, broadcast, distribute, and use in any media now known or hereafter developed, in perpetuity and throughout the World, without limitation, your name, city of residence, statements about the Sweepstakes, and biographical information for news, publicity, information, trade, advertising, public relations, and promotional purposes without any further compensation, notice, review, or consent.
  1. RATES: Rates are subject to change without notice and are applicable to owner-occupied mortgages only.
  1. PRIVACY POLICY: Information submitted with an entry is subject to the Privacy Policy stated on the WFCU Credit Union website. To read the Privacy Policy, click visit https://www.wfcu.ca/Personal/AboutUs/OnlinePolicies/Privacy/.