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2017 Annual RESP Draw (ARD) terms and conditions

Contest Period.
Contest begins at 12:00 a.m. on January 1, 2017 and continues until 11:59 pm (Eastern Standard Time) December 31, 2017 (the "Contest Closing Date") for online, and ballot submissions. This contest is sponsored by Heritage Education Funds Inc. ("Heritage").

The contest is open to the public as well as the current subscribers to the Heritage Plans who (i) are residents of Canada (ii) are over the age of majority in their province or territory of residence, as of the date of entry, and (iii) nominate a child under age 14 as of January 1. (Unborn children may not be nominated.). The employees and agents of Heritage and their respective immediate family members, or a person whom they are domiciled, may not enter the Contest.

How to Enter.  
No Purchase Required.  Limit one entry per household.  To enter the Contest, complete an online or paper ARD ballot on which is hand printed legibly or digitally entered your name, email address, complete postal address and daytime telephone number (with area code).

There are three (3) prizes available to be won, consisting of a choice of one lump-sum contribution of $7500 CDN or three lump-sum contributions of $2500 CDN made by Heritage on behalf of the winner towards the purchase of units in a Heritage Plan to one or to multiple beneficiaries. This contribution will be made by Heritage on behalf of the winner and will be subject to the terms and conditions contained in the Heritage Plans Prospectus and to the deduction of those fees described in the Heritage Plans Prospectus (including sales charges, Account Maintenance Fees and Insurance Premiums, if applicable) (the "Prize"). The selected entrant(s) will be required to enter into an Education Savings Plan Contract with Heritage in order for the Prize to be awarded and declared a winner. Depending on the scholarship payout option chosen at maturity, up to 25%, up to 50% or up to 100%  of the sales charges will be returned.  The sales charges are not returned under the self-determined option.  Returns on individual plans may vary. Past results are not indicative of future returns. Offered by Prospectus only.

Prizes must be accepted as awarded, no substitutions or transferability permitted. No cash payment will be given for the Prize

Prize Awarding.
Three (3) entries will be electronically selected from all entries received in a random draw conducted by a third party consultant at 12:00 p.m.(Eastern Standard Time) on January 19, 2018 at 2005 Sheppard Ave East, Suite 700, Toronto, Ontario. The regional allocation of the three (3) prizes are distributed as follows:

1-British Columbia, Yukon and N.W.T., Nunavut
1-Alberta, Saskatchewan,Manitoba
1-Ontario, Quebec, Atlantic Canada

The Prizes will be awarded only on verification by Heritage that all contest requirements have been met by the selected entrant(s). To be declared a winner, the selected entrant must answer, without help, a time limited, skill-testing question and will be required to complete, sign and return a Declaration and Release Form within seven (7) days of receipt. By completing, signing and returning the Declaration and Release Form, the entrant (i) confirms compliance with these Contest Rules and Regulations, (ii) releases and forever discharges Heritage, its affiliates and subsidiaries from all claims, demands, damages, actions and causes of action arising or to arise by reason of the acceptance or use of the prize, and (iii) gives permission to Heritage to publish or otherwise use the winner's name, city of residence and comments, without compensation, on the website as well as in any publicity or promotion carried out by Heritage or its advertising agencies. Heritage will make three (3) attempts to contact the selected entrant by telephone. If the selected entrant cannot be reached, does not complete the skill testing question correctly, declines the Prize, or fails to return a Declaration and Release Form as specified above, that selected entrant will be disqualified and shall not be entitled to receive any Prize, and Heritage reserves the right, in its sole and absolute discretion, to select at random another eligible entrant as the potential winner, whom Heritage or its representatives shall attempt to contact, and who shall be subject to disqualification, in the same manner. Heritage is not responsible for and shall not be liable for late, lost, misdirected, or unsuccessful efforts to notify the selected entrant. The Prize will be made available only after an in home presentation conducted by a Heritage Dealing Representative and by receipt of a signed enrollment application form into the Heritage Plans RESP within one (1) week after Heritage receives the properly completed and signed Declaration and Release form. The odds of winning depend on the number of eligible entries received. A condition for acceptance of an entry is that the entrant agrees to abide by and be bound by these Contest Rules, and agrees to have their name and picture published.

Prize Disclaimer:
Heritage is the sponsor of this contest and is solely responsible for the delivery of a Prize to an official winner, as declared by Heritage. By participating in the Contest, each entrant agrees to release and hold harmless Heritage and its employees, officers, directors, shareholders, agents, its parent company, affiliates, subsidiaries, advertising, promotion, and fulfillment agencies, from any and all losses, damages, rights, claims and actions of any kind in connection with the Contest or resulting from acceptance, possession, or use of any prize, including without limitation, personal injury, death, and property damage, and claims based on publicity rights, defamation, or invasion of privacy.

Heritage is not responsible for lost, interrupted or unavailable network server or other connections, miscommunications, failed telephone or computer or telephone transmissions or technical failure, jumbled, scrambled or misdirected transmissions, inability to access any online service or web site, inability to submit the online entry, or any other error or malfunction, or any injury or damage to entrant's or any other person's computer related to or resulting from participation or downloading any materials in this Contest, or for late, lost, stolen, postage due, illegible or misdirected entries or other error of any kind whether human, mechanical or electronic. Persons found tampering with or abusing any aspect of this Contest or the Heritage website, as determined by Heritage, in its sole discretion, will be disqualified. All entries that have been submitted through illicit means or do not conform to or satisfy any condition of the rules, may be disqualified by Heritage. If disqualified for any of the above abuses, Heritage reserves the right to terminate the entrant's eligibility to participate in a Contest. In the event any portion of a Contest is compromised at any time by a computer virus, bug, non-authorized human intervention or other causes beyond the control of Heritage which in the opinion of Heritage corrupts or impairs the administration, security, fairness or proper entry into the contest, Heritage reserves the right, in its sole discretion, to suspend or terminate the Contest and to award the prize to individuals selected from the pool of entrants received up to the point of termination. If a selected entrant is awarded the Prize due to a system error, malfunction or defect the Prize will be returned to the Prize pool, to be re-awarded. In no event will more prizes be awarded than those listed in the Contest Rules.

Tax Information.
Liability for any applicable taxes imposed by any government, if any, on any Prize won is the sole responsibility of the winner of such Prize.

Unless an entrant otherwise consents, all personally identifying information obtained for this Contest will be used by Heritage only for the purpose of conducting this Contest. This personal data is protected by Heritage's privacy policy which may be viewed by clicking on the link"Privacy" on the homepage of this website.

Contest Rules.
Participation in the contest constitutes full and unconditional agreement and acceptance of these Contest Rules, which are final on all matters relating to the Contest. Contest Rules are available at By entering the Contest, entrants agree to be bound by the decisions of the Contest judges (who are representatives of Heritage), which are final with respect to all matters relating to the Contest. Heritage reserves the right, in its sole discretion, to modify or terminate the Contest or the Contest Rules at any time, without notice, and for any reason. All entries become the property of Heritage and will not be returned and no correspondence will be made with or entered into except with the selected entrant and the confirmed winner. The Contest is subject to all applicable Federal, Provincial and Municipal laws. This Contest is void where prohibited by law. In the case of entrants in the province of Quebec, any litigation respecting the conduct or organization of a publicity contest may be submitted to the RÉGIE DES ALCOOLS, DES COURSES ET DES JEUX for a ruling. Any litigation respecting the awarding of a prize may be submitted to the Régie only for the purpose of helping the parties reach a settlement.