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Terms and Conditions

The Prize Contest starts at 9:00 am on October 01, 2019, and closes at 11:59 pm on October 31, 2020. All times are Pacific Standard Time.

  • All participants must be Canadian residents and a minimum of nineteen years of age or over. This contest is not available to residents of Quebec.

  • Only one entry per household is allowed.

  • The mortgage must fund through Haystax Mortgage by October 31, 2020. Payments will be made to the main mortgage applicant on or before the first of each month starting December 01, 2020.

  • There is one grand prize to be won consisting of the value of your monthly mortgage payments up to a maximum of $2500.00 per month for a total maximum prize value of $30,000.00

  • Odds of winning depend upon the number of eligible entries received.

  • Mathematical skill-testing question to be correctly answered to win.

(a) To enter, go to www.haystaxmortgage.ca and complete an application form in full and submit it as instructed by the Contest Closing Date.

(b) A random draw by a representative of the “Contest Sponsor”, Haystax Mortgage, from all eligible entries received will be made by 6:00 pm on November 9th, 2020, at the Haystax Mortgage Head Office. Selected entrants will be contacted by telephone or email, as set out on their entry form. Multiple contests and promotions for the same Grand Prize may take place over the course of the year.

(c) If a selected entrant cannot be reached within 14 days following the draw, incorrectly answers the skill-testing question, declines the prize, or fails to return a release of liability as specified below, another entrant will be selected.

(d) Participants are eligible to win one (1) of one (1) prize with a value of up to $30,000.00 prize dependant on the size of the winner’s confirmed mortgage payment.

(e) Prize(s) must be accepted as awarded and may not be transferred or exchanged.

(f) Prize winner is required to provide a current dated mortgage statement from their first mortgage lender with the release of liability to confirm account ownership, mortgage payment amount, and to confirm that the mortgage is in good standing (not in arrears).

(g) Prize is only applicable to first (1st) mortgage charges on title.

(h) Contest Sponsor(s) will submit the payment to the prize winner directly and assumes no liability to ensuring that the mortgage is kept in good standing and that the funds are applied to the mortgage.

Contest Sponsor(s) reserves the right to substitute a prize of at least equal value in the event of the unavailability, for whatever reason, of the advertised prize(s). To be declared a winner, selected entrants must first correctly answer, unaided, a time-limited, mathematical skill-testing question [posed by telephone at a mutually convenient time] and may also need to return a signed release of liability and acknowledgment form. 

Contest judges’ rulings are final and without appeal in all matters related to the promotion and the awarding of prizes. By entering this contest, entrants’ consent to the use of their entry, name, the city of residence and/or any photograph of or that may be taken in publicity carried out by the Contest Sponsor(s) and/or their advertising agencies, without further notice or compensation. 

This contest is open to residents of Canada who are over the age of 19, excluding residents of Quebec, and excluding employees of the Contest Sponsor(s), its/their parent and affiliated companies, representatives, dealers, and agents, contest suppliers and judges, and those with whom they are domiciled. The contest is subject to all applicable federal, provincial and municipal laws and regulations. 

No communications will be entered into except with selected entrants. To receive a copy of the list of the winner(s), send a postage-paid, self-addressed envelope on or before the Contest Closing Date to address provided at the time of request.

Attn.: “Win Your Mortgage for a Year Contest”

Odds of winning depend on the number of eligible entries. All entries that are incomplete, illegible, damaged, irregular, have been submitted through illicit means, or do not conform to or satisfy any condition of the rules may be disqualified by the Contest Sponsor(s). 

Contest Sponsor(s) takes no responsibility for lost, stolen, delayed, damaged, misdirected, late or destroyed entries, or for typographical or other production errors. 

Contest Sponsor(s) is/are not responsible for any errors or omissions in printing or advertising this contest. All entries become the property of the Contest Sponsor(s) and will not be returned. Contest Sponsor(s) is/are collecting personal data about entrants for the purpose of administering this contest. No further informational or marketing communications will be received by entrants unless entrants provide Contest Sponsor(s) with explicit permission to do so as indicated on the entry form. Entrants not wishing to receive any other informational or marketing communications from Contest Sponsor(s) should so indicate on the entry form. 

Please see Haystax Mortgage Privacy Policy at www.haystax.ca/privacy for information on its policy towards maintaining the privacy and security of user information. By entering this contest, entrants release and hold harmless the Contest Sponsor(s), its/their advertising and promotional agencies and the contest judge(s), their affiliates and respective directors, officers, owners, partners, employees, agents, dealers, representatives, successors and assigns (collectively the “Releases”) from any liability in connection with this contest or, if declared a winner, the prize(s). 

Before being declared a winner, entrants may be required to sign and return, within a stipulated period of time, a Declaration of Compliance with the Contest Rules and a full Liability and Publicity Release. By accepting a prize, winners’ consent to the use of their name, place of residence, voice, statements, photographs or other likenesses for publicity, advertising or informational purposes in any medium or format without further compensation or notice.

 This contest will be run in accordance with these rules, subject to amendment by Contest Sponsor(s). Contestants must comply with these rules and will be deemed to have received and understood the rules by participating in the contest. The terms of this contest, as set out in these rules, are not subject to amendment or counter-offer, except as set out herein.

 (a) Contest Sponsor(s) assume(s) no responsibility for failure of the internet or the website during the promotional period, for any problems or technical malfunction of any telephone network or lines, computer on-line systems, servers, access providers, computer equipment, software, failure of any email or traffic congestion on the internet or at any website, or any combination thereof including any injury or damage to an entrant’s or any other person’s computer related to or resulting from playing or downloading any material in the promotion. Contest Sponsor(s) reserve the right, to cancel or suspend the email portion of this contest should a virus, bug or other cause beyond their reasonable control corrupt the security or proper administration of the contest. Any attempt to deliberately damage any website or to undermine the legitimate operation of this promotion is a violation of criminal and civil laws. Should such an attempt be made, Contest Sponsor(s) reserves the right to seek remedies and damages to the fullest extent permitted by law, including criminal prosecution.

(b) If the identity of an entrant is disputed, the authorized account holder of the e-mail address submitted at the time of entry will be deemed to be the entrant. The individual assigned to the e-mail address for the domain associated with the submitted e-mail address is considered the authorized account holder. A selected entrant may be required to provide proof that he/she is the authorized account holder of the e-mail address associated with the selected entry. All entries must be submitted from a valid e-mail account that may be identified by reverse domain name search. The sole determinant of time for the purposes of receipt of a valid entry in this contest will be the contest server machine(s).

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