First National Financial LP

Residential customer survey

During April and May 2019, Logit Group is conducting a satisfaction survey among First National Financial mortgage customers.  As a First National mortgage customer, you may be contacted by telephone for such a survey and are at no obligation to take part.  We appreciate the input and opinions of all survey participants.

Contest rules

1. How to participate

1.1 Eligibility: The First National Financial LP (the “Sponsor”) Residential Customer Survey Contest (the “Contest”) is open to qualified residential mortgage customers of The Sponsor who are legal residents of Canada and have reached the age of majority in their Province of residence.  The entrant’s mortgage must not be in default of the terms and conditions of such mortgage at the point during which the entrant is selected as a potential prize winner (see below for details regarding the draw date).  The Contest is not open to residents of the Province of Quebec, employees, retirees of the Sponsor and their affiliates, franchisees, agents, associates, dealers, representatives, advertising, promotional agencies, research partners and members of the immediate family of these employees and retirees or any person with whom they are domiciled (“Entrants”).

1.2 Contest Period: The Contest begins at 12:00 a.m., ET on April 9, 2019 and closes May 15, 2019 at 11:59 p.m., ET (“Contest Period”). Entrants are automatically entered after completing a telephone survey. The Entrants participating must complete the telephone survey with all requested information when contacted.

1.3 Contest Entry: Participants can enter the Contest by completing the survey. Eligible Entrants will be entered into the Contest for one (1) chance to win.

1.4 Contest Entry Restrictions: Entrants are restricted to one (1) entry per survey during the Contest Period.  

1.5 Awarding of Prize: The prize will be awarded to the Entrant whose contact information (name, telephone number, address or e-mail address) is selected on the Draw Date and who has complied with these Rules.

2. Prize

2.1 Prize: There will be one (1) prize available to be won (the “Prize”).  The Prize consists of one thousand dollars ($1,000.00 CAD) mortgage pre-payment paid by the Sponsor (not including property tax, life insurance or home warranty payments).  If the winner’s mortgage balance is less than $1,000.00, any surplus remaining (i.e. any difference between the $1,000.00 mortgage pre-payment and the potential Prize winner’s mortgage balance) will not be paid to the potential Prize winner in cash or otherwise.  The pre-payment will not reduce the privilege allotment indicated in the Entrant’s mortgage documents.  The Prize winner will still be required to make their regular monthly mortgage payment(s) in accordance with their mortgage documents.  The Prize is not transferable and must be accepted as awarded and shall not be exchanged for an amount of money.  Any federal, or provincial and/or local taxes/duties are the sole responsibility of the winner.  Should the winner refuse to accept his/her Prize, the Sponsor, its member financial institutions, their affiliated companies, advertising agencies and research partners are released from any obligation related to the prize. 

The Prize will be applied to the winner's mortgage within four (4) weeks from the date when the potential winner signs the Sponsor’s standard declaration and release form (the “Release Form”). 

2.2 Odds: The odds of winning depend on the total number of eligible entries received within the Contest Period.

2.3 Prize Draw: The Prize will be awarded by random computer generated draw from all eligible Contest Entries received during the applicable Contest Period. The potential winner will be drawn on May 30th, 2019 at 12:01 pm ET. 

2.4 Notification of Selection: The potential Prize winner will be notified by telephone or e-mail. In order to be declared a winner, the potential Prize winner must first correctly answer unaided, a time-limited mathematical skill-testing question to be administered by mail, email or by telephone at a pre-arranged mutually convenient time and then sign and return the Release Form. If the mortgage selected is a joint mortgage, the mortgagee designated as the entrant on the entry must answer the skill-testing question, but all mortgagees must sign the Release Form. If the potential Prize winner is not able to correctly answer the skill-testing question or fails to complete, sign or return the Release Form within ten (10) business days after notification, such potential Prize winner will be disqualified (and will forfeit all rights to the Prize). Another eligible Entrant may be randomly selected at the sole discretion of the Sponsor and the process outlined above will apply to such newly selected entrant.

3. General rules

3.1 The Sponsor reserves the right to cancel, terminate, modify these Rules or administration of or suspend this Contest in whole or in part without prior notice with no obligation or liability, including if for any reason the Contest is not capable of running as planned, whether due to technical failure, or computer virus, tampering, fraud, or corruption of security or proper administration of the Contest or other causes beyond the control of the Sponsor. In such event, the winner may be selected by randomly drawing from among all valid entries received up to the time of cancellation, termination or suspension.  Without limiting the generality of the forgoing, the Sponsor reserves the right, in its sole and absolute discretion, to administer an alternate test of skill as it deems appropriate based on the circumstances and/or to comply with applicable law.

The Sponsor reserves the right, to adjust any of the dates, time-frames and/or other Contest mechanics stipulated in these Rules, to the extent necessary, for purposes of verifying compliance by any Entrant or entry with these Rules or as a result of any technical or other problems, or in light of any other circumstance which, in the opinion of the Sponsor, in its sole and absolute discretion, affect the proper administration of the Contest as contemplated in these Rules, or for any other reason. 

3.2 All personal information submitted in relation to the Contest will be handled in accordance with applicable Canadian privacy laws and the privacy policy of the Sponsor.  Your personal information will only be used in connection with the Contest, and your mortgage.  Unless you otherwise agree, your personal information will not be used for any other purpose and will not be shared with anyone else.

3.3 Except where prohibited, participation in this Contest constitutes each Entrant’s consent to the use of his/her Entry, name, likeness, voice, opinion, essay/testimonial response (if provided) and biographical information for publicity, advertising, trade or promotional purposes in perpetuity, worldwide and in any media or manner, now known or hereafter devised, without payment, consideration, notice or approval.

3.4 The Sponsor reserves the right in its sole discretion to disqualify any Entrant who tampers with the entry process or violates these Official Rules.

The Sponsor reserves the right without further prior notice and at any time to remove participants or terminate this Contest, in whole or in part, or modify the Contest in any way, should any factor interfere with its proper conduct or impair the administration, security, integrity and fairness of the Contest.  All Entries become the property of the Sponsor and/or Lumos Research Inc. and will not be returned.

A person who attempts to undermine the legitimate operation of this promotion may be subject to civil and/or criminal penalties and fines; and the Sponsor reserves the right to seek damages from any such person to the fullest extent permitted by law.

The decisions of the Sponsor with regards to all matters of this Contest are final and binding.

3.5   By entering the Contest, entrants agree to release and indemnify and hold harmless the Sponsor, any of its advertising, promotional, publicity, production and judging agencies and its directors, officers, employees and agents from any claim, loss, expense (including legal fees) or other liability, including liability for personal injury, arising from participation in the Contest or the awarding, acceptance, use or misuse of the Prize.

By participating, entrants agree that the Sponsor is not responsible for: (i) any incorrect or inaccurate information, whether caused by entrants, printing errors or by any of the equipment, hardware, software or programming associated or used with the Contest; (ii) technical errors, defects, delays or failures of any kind, including without limitation malfunctions, interruptions or disconnections in communications lines, Internet or website access, hardware or software; (iii) digital or electronic disruptions, e.g., viruses or other security breaches; (iv) unauthorized human intervention, e.g., hacking; (v) technical or human error which may occur in connection with any aspect of the Contest; (vi) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from an entrant’s participation in the Contest, or receipt or use of the Prize; and (vii) lost, incomplete, illegible or garbled Entries, mail or transmissions, interrupted or unavailable network, server or other connections, miscommunications, computer virus, bugs, worms, tampering, unauthorized intervention, fraud, failed computer hardware or software or telephone transmissions or other errors or problems of any kind whether mechanical, human or electronic.

3.6 No purchase is necessary. To enter without completing a survey, an Entrant may hand print their name, address, email address, postal code, mortgage number and phone number on a plain 3'' x 5'' piece of paper and sign it. Place the entry form in an envelope and mail it with sufficient postage to: Lumos Research Inc., 1011 Upper Middle Road E., Suite 1451, Oakville, Ontario L6H 5Z9, Canada. Entries must be postmarked no later than May 15, 2019. Limit of one (1) entry per envelope. All mail-in entries will bear the same odds as survey responses received by completing the survey via telephone.