belairdirect 2026 Living Large Contest (the “Contest”)

This Contest is open to legal residents of Canada, excluding Nunavut, who, at the time of entry: (1) have reached the age of majority in their province or territory of residence; and (2) are members of an eligible Canadian affinity group of the Sponsor (“Eligible Persons”).

For the purposes of this Contest, “eligible Canadian affinity group” means an employer group, professional association, alumni association, union or other group that is a beneficiary of a valid insurance program agreement with the Sponsor, excluding: Servus Insurance Services, Scotiabank Home & Auto Insurance, groups that offer home and auto insurance through Perkopolis, and groups in the Program Retail Sector. The Sponsor may further specify additional excluded groups at its sole discretion.

Employees, agents and representatives of the Sponsor, its affiliated companies, parent companies, advertising and promotional agencies, legal advisors, or parties engaged in the development, production and distribution of materials related to this Contest, as well as members of their immediate family and/or persons living in the same household during the Contest Period, are excluded.

No purchase required.

An Eligible Person may obtain up to one (1) entry during the Contest Period. One (1) entry may be obtained by contacting the Sponsor during the Contest Period and doing the following:

During the Contest Period, an Eligible Person may (i) scan the QR code included in Contest materials and be taken to the online entry form; or (ii) visit belairdirect.com/livinglargecontest and go directly to the online entry form. By completing and submitting the online entry form in full, an Eligible Person enters the Contest.

The odds of winning depend on the total number of Participants entered into the Contest.

No other means of entry will be accepted. Any excess entries will be invalid for the purposes of the Contest.

Entries received shall be deemed to be submitted by the authorized account holder of the e-mail address associated with the entry. “Authorized account holder” means the natural person assigned to an e-mail address by an Internet access provider, online service provider or other organization responsible for assigning e-mail addresses. Each selected Participant may be required to provide the Sponsor with proof that they are the authorized account holder of the e-mail address associated with the selected entry.

All Contest entries become the property of the Sponsor and will not be returned.

There are a total of thirteen (13) prizes available to be won (the “Prize(s)”), with an approximate total value of up to $40,000.

Grand Prizes (3 total; maximum value for each is $10,000; total maximum $30,000):

• Grand Prize 1: Car payments for a year, up to a maximum value of $10,000; or, at the winner’s option, a $10,000 cash alternative payable by cheque.
• Grand Prize 2: Home appliance package with extended warranty, up to a maximum value of $10,000; or, at the winner’s option, a $10,000 cash alternative payable by cheque.
• Grand Prize 3: $10,000 travel voucher; or, at the winner’s option, a $10,000 cash alternative payable by cheque.

Secondary Prizes (10 total):

• Ten (10) Jiffy – Easy home maintenance gift cards, each with a face value of $1,000. Jiffy gift cards will be provided as stated to winners in a region serviced by Jiffy. For winners outside of a Jiffy-serviced region, a $1,000 cheque will be provided.

The Prize(s) must be accepted as awarded. Except as expressly set out above for the Grand Prizes and Jiffy gift card regional alternative, the Prize(s) cannot be converted into cash, substituted, transferred to another person or refunded, except at the Sponsor’s sole discretion and subject to applicable law. The Sponsor disclaims any warranty, representation or guarantee, express or implied by fact or in law, relative to any Prize, including but not limited to its quality and condition.

The draw will take place at the Sponsor’s office at Fort William Building, 10 Factory Lane, St John's, Newfoundland and Labrador. The selected entrant will be notified in accordance with the terms and procedures outlined in Section 5 below. The Draw time will be 10:00am NT.

• Grand Prizes: On or about 30 days following the end of the Contest Period, a random computerized drawing will be conducted from all eligible entries received during the Contest Period to select three (3) potential Grand Prize winners.
• Secondary Prizes: On or about 30 days following the end of the Contest Period, a random computerized drawing will be conducted from all eligible entries received during the Contest Period to select ten (10) potential Secondary Prize winners.

In order to be declared a winner (a “Winner”), the selected Participant must meet all criteria described under “Eligibility” and “Claiming a Prize,” and their entry must be verified by the Sponsor.

Should the selected Participant fail to meet the requirements set out in these Official Contest Rules and Regulations or be otherwise ineligible to win the Prize(s), the selected Participant will be disqualified, and the Prize(s) will be awarded to an alternate winner in a random draw selected from the remaining eligible entries.

To claim their Prize(s) and be declared the Winner, the selected Participant will be required to meet all of the following criteria:

(1) correctly answer a time-limited mathematical skill-testing question; and
(2) sign and return a standard form of Declaration and Release Form confirming compliance with these Official Contest Rules and Regulations within ten (10) business days of the date on which the selected Participant received the Declaration and Release Form for signing.

All Declaration and Release Forms may be subject to verification by the Sponsor. Those which are, depending on the case, incomplete, inaccurate, illegible, mechanically reproduced, mutilated, fraudulent, submitted or transmitted late, containing an invalid telephone number or otherwise non-compliant, may be rejected by the Sponsor. The non compliant form will be considered as a formal or deemed refusal and releases the Sponsor from any obligation relating to the award of this prize. The Sponsor may, at its discretion, cancel this prize or hold a new draw.

The Sponsor will arrange for delivery of the Prize(s) to the Winner. The Prize(s) may, at the entire discretion of the Sponsor be sent by mail or electronic means) upon receipt of the signed Declaration and Release Form.

The Sponsor is not responsible for any associated costs incurred by the Winner in claiming or using a Prize. The Winner is solely responsible for the reporting and payment of any and all taxes, if any, that may result from claiming or using a Prize. Any claim to a Prize will be subject to verification by the Sponsor, whose decision in this regard and on all matters of fact, interpretation, eligibility, procedure and fulfillment in respect to this Contest will be final and binding.

Entries submitted by third parties and any entries that are tampered with, forged, mutilated, incomplete, illegible, photocopied or mechanically reproduced, or submitted by or through fraudulent means, may be disqualified in the sole discretion of the Sponsor. This includes any entry that does not comply with these Official Contest Rules and Regulations in any respect.

By participating, each Participant agrees to release and hold harmless the Sponsor, its subsidiaries, affiliated companies, parent companies, officers, directors and partners, including its advertising and/or promotional agencies, as well as their employees, brokers, agents and representatives and any third-party websites or platforms (including those owned by Meta Platforms, Inc. and X Corp.) on which the Contest is advertised, from all liability, direct or indirect, physical or material, arising out of accepting or using a Prize, and releases them from any recourse, claims or charges that could arise now or in the future by the Participant, his/her heirs, executors or administrators relating to the Contest or Prize(s).

The Winner agrees and consents that his/her name, age, photograph, location, voice, testimony and/or statements may be used in whole or in part by the Sponsor, its advertising agencies and any other parties involved in the development, production and distribution of materials relating to the Contest, for any purpose, through any media present or future, including social media, in any jurisdiction and in any manner without compensation and without any additional approval from the Winner. No correspondence will be entered into with any person other than the Winner.

Any personally identifiable information collected during a Participant’s participation in the Contest will be collected and used in accordance with the Sponsor’s Privacy Policy available athttp://www.belairdirect.com/en/infocentre/privacy.html

The Sponsor, its Agents, and legal advisors are not responsible for and shall not be liable for: (1) lost, late, damaged, illegible, stolen, misdirected, misidentified, or incomplete entries; for any problems or technical or mechanical malfunction of any telephone systems, computer online systems, servers, access providers, computer equipment, hardware or software programs; failure of any entry to be received by the close of the Contest Period on account of technical problems or traffic congestion on the Internet or at any website; or inaccurate entry information, whether caused by equipment, programming used in this Contest, human processing or otherwise, or any combination thereof; (2) any condition caused by events beyond the control of the Sponsor that may cause this Contest to be disrupted or corrupted; (3) any injuries, losses or damages of any kind arising in connection with or as a result of the Prize(s), or acceptance, possession, or use of the Prize(s), or from participation in this Contest; or (4) any printing or typographical errors in any materials associated with this Contest.

Should the Sponsor be unable to award any Prize as described in these Official Contest Rules and Regulations, it reserves the right, at its sole discretion, to replace such Prize with a prize of a similar nature and equivalent value, or to pay the value in cash where expressly provided above for the Grand Prizes and regional alternative for Jiffy gift cards. The Sponsor disclaims any warranty, representation or guarantee, express or implied by fact or in law, relative to any Prize, including but not limited to its quality and condition. A Winner’s express or implied refusal to accept a Prize releases the Sponsor from any prize-related liability toward that person. Following an express or implied refusal of a Prize by a Winner, the Sponsor may, at its discretion, cancel the Prize or conduct a new draw.

The Sponsor reserves the right at any time to withdraw this Contest or to modify, amend, change, or supplement these Official Contest Rules and Regulations, in its sole discretion, subject to applicable law. The Sponsor also reserves the right, at its entire discretion, to cancel, terminate or suspend this Contest should any event or cause beyond their control arise, which may corrupt or affect the administration, security, impartiality or progress of the Contest, as stipulated in these Official Contest Rules and Regulations.

The Contest is governed by all applicable federal, provincial and municipal laws and regulations.

The Contest is governed by all applicable federal, provincial and municipal laws and regulations.

If applicable, all Participants who are residents of Ontario agree that: (1) any and all disputes, claims or causes of action arising out of or connected with the Contest or any Prize(s) awarded shall be resolved individually, without resort to any form of class action, and exclusively by arbitration or alternate dispute resolution, as selected by the Sponsor, to take place in Toronto, Ontario; (2) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred in the participation of the Contest but in no event legal fees and expenses; and (3) under no circumstances will a Participant be entitled to obtain awards for, and hereby waives all rights to claim, punitive, incidental, indirect and consequential damages and any other damages (other than for direct damages limited to actual out-of-pocket reasonable costs), and any and all rights to have damages multiplied or otherwise increased.

Except where prohibited, all issues and questions concerning the construction, validity, interpretation and enforceability of these Official Contest Rules and Regulations and the decisions of the Sponsor in connection with the Contest shall be governed by and construed in accordance with the laws of the province in which the Participant resides, without regard to conflict of laws doctrine.

For the identification of the Winner or for a copy of these Official Contest Rules and Regulations, send a self-addressed stamped envelope to: belairdirect, 10 Factory Lane, St. John’s NL A1C 6H5, Attention: Mark Peters, within one (1) year of the end of the Contest Period.