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*Yes, I have read the Official Rules and I am the age of majority in the province that I live in.
“Spring Cash Giveaway” Contest (the “Contest”)
THE FOLLOWING CONTEST IS VALID ONLY IN CANADA, EXCLUDING THE PROVINCE OF QUEBEC. TO BE ELIGIBLE FOR THIS CONTEST, YOU MUST BE A LEGAL RESIDENT OF CANADA WHO HAS REACHED THE AGE OF MAJORITY IN THE PROVINCE OR TERRITORY IN WHICH YOU RESIDE. THIS CONTEST WILL BE CONSTRUED ACCORDING TO APPLICABLE CANADIAN LAW. SUBMISSION OF AN ENTRY CONSTITUTES ACCEPTANCE OF THESE OFFICIAL RULES. NO PURCHASE NECESSARY. LIMIT OF ONE (1) ENTRY PER PERSON. LIMIT OF ONE (1) PRIZE PER PERSON.
NO PURCHASE NECESSARY TO ENTER OR WIN.
HOW TO ENTER: The Contest begins at 12 p.m. EST on Monday, April 3rd, 2017 and ends on 12:00 a.m. EST on Monday, May 29th, 2017 (the “Contest Period”). All entries must be received by 11:59 a.m. EST on Sunday, May 28th, 2017 (“Contest Closing Date”). To enter for a chance to win, complete the registration/entry form with all required information, including your name, email address, phone number, city and postal code. Entries must include all required information or they will not be eligible. goeasy Ltd. (the “Sponsor”) and its agents are not responsible for any lost, late, misdirected or incomplete entries or for any inaccurate transcription of entry information. Proof of sending an entry is not proof of receipt by Sponsor. Limit of one (1) entry per person. Only one (1) prize to be awarded per person. All entries from any individual submitting or attempting to submit multiple entries are void. All entries become the exclusive property of Sponsor and will not be acknowledged or returned.
PRIZE: There are five (5) $1000 CDN Prizes available to be won, payable by cheque or prepaid Credit card. Prizes must be accepted as awarded without substitution and are not transferable, not for resale and have no cash surrender value. Sponsor has the right, in the event that a Prize cannot be awarded as described for any reason, to substitute another prize or prizes of equal or greater value, without liability. All expenses not specified (including but not limited to transportation, incidentals, expenses or any other costs not specifically listed) are the responsibility of the Prize winner. Chances of winning are dependent upon the number of eligible entries received during the Contest Period. If the Prize notification is returned as undeliverable, if the Contest winner cannot be contacted for any reason, or if a winner fails to execute and return any required documentation within the time frame specified, the Prize will be forfeited and awarded to another eligible Contest entry. Prizes will be delivered via cheque or prepaid gift card to a nearby easyfinancial location within Canada via courier or letter mail, as may be determined in Sponsor’s sole discretion.
SELECTION OF PRIZE WINNER: The five (5) random draws will be held on Wednesday, May 31st, 2017 at 12:00 noon EST. The selected entrants will be contacted by email or telephone within five (5) business days of the draw date. If a selected entrant cannot be reached within five (5) business days of the draw date, the selected entrant will be disqualified and another entrant will be randomly selected until such time as contact is made by email or telephone with a selected entrant or until there are no more eligible entries, whichever comes first. The Sponsor will not be responsible for failed attempts to contact a selected entrant. To be declared a winner, each selected entrant must answer correctly, without assistance of any kind, whether mechanical or otherwise, a mathematical skill testing question. Each selected entrant will also be required to sign a release form (“Release”) confirming compliance with the Official Rules, acceptance of the Prize as awarded, without substitution, and releasing the Sponsor from any liability in connection with the Prize or the Contest. The Release must be returned within the time period specified on the Release or the Prize will be forfeited. Prizes will be delivered by courier to the winner’s address listed on the entry form within sixty (60) days of being declared a Prize Winner.
ELIGIBILITY: The In-store Contest is open only to legal residents of Canada (excluding Quebec) who have reached the age of majority in their province or territory of residence. Employees, representatives and agents of Sponsor and its subsidiaries, affiliates, distributors, agents, advertising and promotion agencies involved in this In-store Contest and those living in the same household of such persons are not eligible to enter or win. The entrant is the individual whose name appears on the entry form. Only one (1) entrant’s name may appear on the entry form.
INTERNET: Sponsor assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft, destruction or unauthorized access to, or alteration of entries. Sponsor and its agents are not responsible for any problems or technical malfunction of any telephone network or telephone lines, computer online systems, servers or providers, computer equipment, software, failure of any email or entry to be received by Sponsor on account of technical problems, human error or traffic congestion on the internet or at any website or any combination thereof, including any damage to entrant’s or any other person’s computer and other property relating to or resulting from participation in this In-store Contest or from downloading any materials in this In-store Contest. ANY ATTEMPT TO UNDERMINE THE LEGITIMATE OPERATION OF THIS CONTEST MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, THE SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES OR OTHER REMEDIES FROM ANY SUCH PERSON(S) RESPONSIBLE TO THE FULLEST EXTENT OF THE LAW.
GENERAL: No correspondence regarding entries will be entered into with entrants, except as provided in these Official Rules. By entering the In-store Contest, and in consideration for eligibility to win a Prize, entrant agrees to be bound by these Official Rules, and agrees that Sponsor shall not be held responsible for, and entrant has no right to bring any claim, action or proceeding of any kind or nature whatsoever against Sponsor and its affiliates, subsidiaries, divisions, advertising and promotion agencies, participating retailers and all of their respective agents, employees, directors, officers, shareholders, successors and assigns (collectively the “Releasees”) in connection with: (1) entrant's participation in this In-store Contest; (2) the awarding, receipt, possession, use and/or misuse of a Prize; or (3) participation in any activities related to this In-store Contest. As a condition of awarding the Prize, the winner of the In-store Contest will be required to grant Sponsor the right to use the winner’s entry, name, contact information (including but not limited to telephone number, address and email address) image and likeness, voice and comments for advertising, publicity and promotional purposes without territorial, time or use limitations, including without limitation online advertisements, without additional compensation, unless prohibited by law. Sponsor reserves the right, in its sole discretion, to modify, cancel, terminate or suspend all or any part of this In-store Contest at any time for any reason without prior notice, subject to applicable laws. In such case, Sponsor may, but shall not be required to, in its sole discretion, determine the winner in accordance with these Official Rules, from among all valid, non-suspect entries received prior to the event which warranted such action. Sponsor reserves the right, in its sole discretion, to disqualify any individual who (a) tampers with, or attempts to tamper with, the entry process; or (b) violates any of these Official Rules. All matters in relation to the In-store Contest and the awarding of Prizes, including the eligibility of entrants, the declaration of a winner and any entrant’s compliance with the Official Rules, will be determined in the sole discretion of the Sponsor, whose decision is final.
Please email me communications about products, services, offers and incentives.
Future Marketing Communications
I would like to receive promotional offers and other commercial electronic communications (including offers about products and services from selected 3rd parties). I understand that I can withdraw my consent at any time. Contact easyfinancial at 1-866-327-9597, firstname.lastname@example.org or 110 King St W, Suite 134, Hamilton, ON, L8P 4S6 for more information.
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We know the fine print can be painful, but we believe it's important you have all the facts!
easyfinancière offers a variety of financial services including personal loans, and mortgages. easyfinancière is a division of goeasy Ltd., the leading full service provider of goods and alternative financial services that improve the lives of everyday Canadians. goeasy Ltd. is listed on the TSE under the symbol 'GSY'.
* Approval measured against all lenders providing unsecured credit and lease-to-own products, excluding payday lenders, and based on a random sample of applications before verification.
** Based on the maximum total cost of borrowing under applicable provincial payday loan legislation.
CREDIT SCORE IMPACT
While having a loan and honouring its obligations can help build credit, too many loans may be seen by potential creditors as an increased risk, and failure to meet repayment obligations will result in a negative report to the credit bureaus, which would reduce your credit score. Please borrow responsibly.
Loans from easyfinancière do not automatically renew. Customers have the option to request an increase to their loan after paying down a percentage of their current loan amount and maintaining good payment history. Such a request would be subject to the company's standard underwriting rules.
easyfinancière offers personal loans from $1000 to $15,000 with terms from 24 to 60 months. The APR is 35.99%, and there are no additional fees for the loan. easyfinancière does not charge a late fee, but payments returned NSF (non-sufficient funds) will be assessed a $50 fee in addition to fees charged by the customer's financial institution.
easyfinanciere contacts customers in arrears as soon as possible through various means including, but not limited to telephone, email, postal mail and SMS. easyfinanciere may work with third parties to assist in collections activities.
1Credit Protection Plan is underwritten by American Bankers Insurance Company of Florida (ABIC) and American Bankers Life Assurance Company of Florida (ABLAC) under Group Master Policy numbers CPP042017 and CPPL042017.
ABIC and ABLAC carry on business in Canada under the trade name of Assurant ®.
® Assurant is a registered trademark of Assurant, Inc
The complete terms, eligibility, benefits, limitations an exclusions are contained in the Certificate of Insurance.
Purposes for which goeasy Handles Personal Information
goeasy collects and uses personal information for purposes limited to those which are related to its businesses, which include providing household furnishings, appliances, and home electronic products to its customers under lease agreements, staging services, mortgage brokerage services and financial services. We collect personal information primarily from you, for instance through applications and supporting documentation you provide. We may also collect personal information about you through your ongoing interactions with us, from references, employers and other financial institutions you have identified in your application as well as credit bureaus and other third party sources. For example, we may collect personal information from credit bureaus for the purpose of locating you to collect outstanding debts. In connection with loan agreements, we may also collect personal information from credit bureaus in order to verify your current and ongoing creditworthiness and other information you may provide to us.
We may collect and use personal information for purposes such as, but not limited to, the following:
Personal Information goeasy Collects
goeasy limits the amount and type of personal information collected to that which is necessary for our identified purposes, and we collect personal information by fair and lawful means.
Personal information that we collect includes:
Transfers and Disclosures of Personal Information
goeasy may disclose personal information in a number of circumstances, including:
In addition to the above, personal information may be shared between our affiliates or subsidiaries (including those located in the United States) for internal audit, management, billing or administrative purposes including defending and bringing legal actions.
In the course of fulfilling the purposes described above, goeasy may transfer your personal information to service providers, including affiliates or other third party organizations or individuals retained by goeasy to perform functions on its behalf, such as marketing, data processing, customer service, office, security, collections, insurance, financial and taxation services. When personal information is transferred to service providers, we use contractual or other means to ensure that a comparable level of protection is provided. Some of our service providers may be located outside Canada and will be subject to applicable legal requirements in that country including lawful requirements to disclose personal information to government authorities in certain circumstances.
If you are a resident of the Province of Quebec, you understand that we may transfer your personal information to a third party based outside of the Province of Quebec, or store it outside of the Province of Quebec, the handling (including the disclosure to third parties) of that personal information will be subject to the laws and regulations applicable in that jurisdiction and you consent thereto.
goeasy may also use and disclose personal information in connection with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets (including your loan or lease and any agreement to which it relates), for the purposes of evaluating and/or performing the proposed transaction. Assignees or successors of our business or assets may use and disclose your personal information for similar purposes as those described in this Policy.
goeasy may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law.
goeasy uses reasonable safeguards and other security standards to protect all personal information in its custody and control against loss or theft, as well as unauthorized access, disclosure, copying, use or modification, regardless of the format in which the information is held. Safeguards will vary depending on the sensitivity, format, location, and storage of the personal information. Only authorized employees, agents, partners and third parties who require access to personal information to fulfill their job requirements will have access to personal information.
Access and Accuracy
goeasy may establish and maintain a file containing an individual's personal information for the purposes described above, which will be accessible at our offices. Individuals have the right to request access to or correction of their personal information that is held by goeasy. Requests must be made in writing, addressed to goeasy's Privacy Officer as per the contact information set out at the end of this Policy. We will respond to written requests within a reasonable time. Copies of records containing personal information may be subject to a fee. If this is the case, goeasy will inform the individual of the amount of the fee in advance. We will use our best efforts to ensure that personal information is as accurate, complete and up-to-date as necessary for the identified purposes. If an individual successfully demonstrates the inaccuracy or incompleteness of personal information, we will amend the information as required. If we refuse access to personal information or disagree with an assertion that information held by us is incorrect, we will provide a written explanation for such refusal and a description of our complaints procedure should an individual decide to challenge such written explanation. An individual's right to access or correct personal information is subject to applicable legal restrictions. To prevent fraudulent access to the personal information stored by goeasy, we may take reasonable steps to verify an individual's identity before granting access or making corrections.
goeasy's Websites and E-Mail Communication
goeasy does not guarantee the confidentiality of any communications made by you via e-mail or otherwise through our websites. If you wish to provide information of a confidential or sensitive nature to easyhome, please contact us directly by telephone at 1-866-823-3279 or easyfinancière at 1-888-502-3279 to arrange for delivery/transmission of such information by secure means.
In compliance with Google's advertising policies, we use Google Adwords Search Engine Marketing (Pay Per Click) and Display Advertising (Remarketing and Google Display Network). We use Google AdWords Remarketing in compliance with the Google AdWords Interest-Based Advertising Policy, which means that you may see our advertisements on Google and other third party websites on the internet after visiting our website.
We use Google Analytics for Display Advertising, including Remarketing, Google Analytics Demographics and Interest Reporting, Google Display Network Impression Reporting and the DoubleClick Campaign Manager integration. You have the option to opt out of Google Analytics for Display Advertising and customize Google Display Network ads. For all the currently available opt-outs, please visit https://tools.google.com/dlpage/gaoptout
We use the data collected through Google Analytics Demographics and Interest Reporting to better understand our website visitors in terms of demographics and interests, to improve our website content in order to cater to our audience, and to customize advertisements based on our audience's interests and demographics.
In certain circumstances, as permitted or required by law, we may collect, use or disclose personal information without the knowledge or consent of the individual. These circumstances include but are not limited to: personal information that is publicly available as defined by regulation; where collection is clearly in the interests of the individual and consent cannot be obtained in a timely way; where disclosure is made for the purposes of collecting a debt owed to us; or to comply with a subpoena, warrant or court order.
Inquiries or Further Information
Privacy Officer, goeasy Ltd.,
33 City Centre Drive, Suite 510
Mississauga, Ontario, L5B 2N5, Canada
If you are not satisfied with our response to a privacy-related matter, you may contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or at www.privcom.gc.ca. or in Alberta or British Columbia, your provincial privacy regulator, as applicable.