This Contest is open to Canadian registered charities and is governed by Canadian law.  No purchase necessary.


Contest begins on January 1, 2020 at 12:00:01 a.m. Eastern Standard Time and ends on March 31, 2020 at 11:59:59 p.m. Eastern Daylight Time (the “Contest Period”).


An organization is eligible to participate in the Contest (“Eligible Participants”) if:

  • the organization is registered as a charity with the Canada Revenue Agency;

  • the organization conducts charitable activities in Canada and has its head office located in Canada; and

  • the organization’s charitable purposes are consistent with the Vision, Mission and Values of The Equitable Life Insurance Company of Canada and focus on one or more of the following areas (the “Charitable Areas”): health and wellness, education, arts and culture, and disaster relief.

Notwithstanding the above, an organization is not an Eligible Participant if:

  • the organization has an officer or director who is an employee, representative or agent (or a person domiciled with an employee, representative or agent) of The Equitable Life Insurance Company of Canada (“Sponsor”) or the Sponsor’s subsidiaries, affiliates, distributors, prize suppliers and advertising/promotion agencies; or

  • the organization’s charitable purposes:

    • benefit a small number of individuals;

    • relate primarily to trips and tours, including subsidized travel, accommodation and entertainment expenses; or

    • relate primarily to conferences, seminars, workshops and conventions, except medical and educational career symposiums; or

  • the organization is a:

    • religious or sectarian organization, except for community services offered on a non-denominational basis;

    • professional or technical association;

    • organization or program operating outside Canada;

    • private or public pre-school, elementary, secondary school or daycare, including student organizations;

    • private club or fraternal organization;

    • amateur or elite sports team or sports-related event;

    • service club, commercial marketer or third-party fundraiser for charities; or

    • private foundation.


All determinations as to whether an organization is an Eligible Participant shall be made by Equitable Life in its sole discretion.



An Eligible Contestant may only submit one entry (“Entry”).  To be eligible, an Entry must be received by Equitable Life during the Contest Period.

Eligible Contestants may enter the contest by:

  • completing an original essay (the “Essay”) of not less than 100 words and not more than 500 words describing the way in which the Eligible Participant will use $10,000 to further its charitable purposes should the Eligible Participant be a Prize Recipient; and

  • submitting the Essay by mail, along with their legal name, telephone number, province in which head office is located and complete mailing address to the following mailing address: Equitable Life of Canada, One Westmount Road North, Waterloo, Ontario, N2J 4C7, Attention: Equitable Gives Back Contest or by email to


By submitting an Entry, each entrant agrees to be bound by these official Contest rules (“Rules”). All Entries, including the Essay submitted in connection with the Entry, become the property of the Sponsor. 

Sponsor reserves the right, in its sole discretion, to reject any Entry should it be incomplete, or not meet all requirements of these Rules.

All Entries and Eligible Participants are subject to verification at any time and for any reason. The Sponsor reserves the right, in its sole and absolute discretion, to require proof of identity and/or eligibility (in a form acceptable to the Sponsor): i) for the purposes of verifying eligibility to participate in this Contest; ii) for the purposes of verifying the eligibility and/or legitimacy of any Entry or other information entered (or purportedly entered) for the purposes of this Contest; and/or iii) for any other reason the Sponsor deems necessary, in its sole and absolute discretion, for the purposes of administering this Contest in accordance with these Rules. Failure to provide such proof to the complete satisfaction of the Sponsor within the timeline specified by the Sponsor may result in disqualification in the sole and absolute discretion of the Sponsor. The sole determinant of the time for the purposes of this Contest will be the Contest server machine(s).


There will be five prizes (collectively the “Prizes”) available to be won, as follows:

The total value of the five prizes to be awarded is $50,000.


Each Prize shall be delivered to the winner in the manner determined by the Sponsor in its sole and absolute discretion. Prizes must be accepted as awarded and may not be substituted or transferred. Sponsor will not replace any lost or stolen Prize.  Any cost that is not specifically and expressly stated above as included in a Prize is the sole and absolute responsibility of the winner.  Prizes will only be awarded to confirmed Prize Recipients. Prize Recipients are solely responsible for the reporting and payment of any income tax relating to any Prize they have received. Sponsor reserves the right to select another entrant if a Selected Entrant cannot accept the Prize offered.


In Waterloo, Ontario at approximately 10:00 a.m. Eastern Daylight Time on May 15, 2020 (the “Selection Date”) one Entry will be selected from among all eligible Entries in Prize Group 1 (charities with head office located in Quebec) and four Entries will be selected from the Entries in Prize Group 2 (charities with head office located in Canada outside of Quebec). Accordingly, there will be a total of five Entries selected.

A panel of judges (the “Panel”) will select the five Entries.  The members of the Panel will be chosen by the Sponsor in its sole and absolute discretion.  The Panel may include, and may consist entirely of, employees of the Sponsor.


The Panel may, in its sole discretion, ask one or more Entrants for additional information regarding the Entrant’s financial circumstances before making its decisions.

Each of the organizations that submitted one of the five Entries selected is a “Selected Entrant”.  The Panel will select the five Selected Entrants based on the Essays that the Panel believes, in the Panel’s sole and absolute discretion, best fulfill the vision, mission and values of the Sponsor’s corporate giving mandate. In making its decisions, the Panel may also take into consideration the financial circumstances of the Entrants and any other factors that the Panel members consider relevant in their sole and absolute discretion.


For each Prize, the odds of being selected as eligible to win a Prize depends on the number of eligible Entries received during the Contest Period with respect to the associated Prize Group.


The Sponsor will make three attempts to contact each Selected Entrant by telephone (or using any other information available to Sponsor) within five days of the Selection Date.  If a Selected Entrant cannot be contacted within three attempts or five days of the Selection Date (whichever occurs first), or there is a return of any notification as undeliverable; then the Selected Entrant will be disqualified and the Sponsor reserves the right, in its sole discretion, to randomly select an alternate Selected Entrant from among the remaining eligible Entries for the applicable Prize Group, and the date of such random selection shall be the “Selection Date” for such Selected Entrant.


Before being declared a “Prize Recipient”, each Selected Entrant will be required to: a) correctly answer a mathematical skill-testing question without mechanical or other aid; and b) sign and return, within five business days of notification, the Declaration and Release form to be provided to them, which (among other things): i) confirms compliance with these Rules; ii) acknowledges acceptance of the applicable Prize (as awarded); iii) agrees to use the Prize in accordance with any applicable laws or regulations, and acknowledges that they will be solely responsible if they fail to do so; and, iv) releases the Sponsor and its subsidiaries, affiliates, distributors, prize suppliers and advertising/promotion agencies from any and all liability in connection with this Contest, the Selected Entrant’s participation therein and/or the awarding and use/misuse of the Prize or any portion thereof.

By accepting a Prize, each Prize Recipient:

  • acknowledges acceptance of the Prize (as awarded) and releases the Sponsor and each of its respective officers, directors, employees, agents, representatives, successors and assigns from any and all liability in connection with this Contest, the Prize Recipient’s participation therein and/or the awarding and use/misuse of the Prize or any portion thereof; and

  • agrees to the publication, reproduction and/or other use by Sponsor of: (a) the Prize Recipient’s name and province/territory where its head office is located; and (b) all or any part of the Essay submitted in connection with the Prize Recipient’s Entry, without further notice or compensation, in any publicity or advertisement carried out by or on behalf of the Sponsor in any manner or medium whatsoever, including print, broadcast or the internet; and

  • agrees that its Entry (including the Essay submitted in connection with the Entry), including all right, title and interest therein, shall belong exclusively to Sponsor.

If a Selected Entrant: a) fails to correctly answer the skill-testing question; b) fails to return the duly executed Declaration and Release in the manner provided above; c) cannot accept (or is unwilling to accept) the Prize (as awarded) for any reason; d) is no longer a charity registered with Canada Revenue Agency at the time of awarding the Prize; or e) is determined to be in violation of these Rules (all as determined by the Sponsor in its sole and absolute discretion); then the Selected Entrant may, in the sole and absolute discretion of the Sponsor, be disqualified (and, if disqualified, will forfeit all rights to the Prize) and Sponsor reserves the right, in its sole discretion, to select an alternate eligible winner from among the remaining eligible Entries for the applicable Entry Period (in which case the foregoing provisions of this section shall apply to such new Selected Entrant). 


The Sponsor assumes no responsibility for lost, delayed, incomplete, incompatible or misdirected Entries.  This Contest is subject to all applicable federal, provincial and municipal laws.  The decisions of the Sponsor with respect to all aspects of this Contest are final and binding on all entrants without right of appeal, including, without limitation, any decisions regarding the eligibility/disqualification of Entries and/or entrants. 

The Sponsor will not be liable for any technical failure during the Contest Period; for any technical malfunction or other problems relating to the telephone network or lines, computer online systems, servers, access providers, computer equipment or software; for the failure of any Eligible Participant’s submission to be received by the Sponsor for any reason, including, but not limited to technical problems or traffic congestion on the internet and delays of the postal service; or any combination of the above.  Further, the Sponsor will not be liable for any injury or damage to an entrant’s, Eligible Participant’s, or any other person’s computer related to or resulting from participating, registration or downloading any material in the Contest.

The Sponsor reserves the right, subject only to the approval of the Régie des alcools, des courses et des jeux (the “Régie”) in Quebec, to withdraw or amend this Contest (or to amend these Rules) in any way, in the event of an error, technical problem, computer virus, bugs, tampering, unauthorized intervention, fraud, technical failure or any other cause beyond the reasonable control of the Sponsor that interferes with the proper conduct of this Contest as contemplated by these Rules.  Any attempt to deliberately 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 remedies and damages to the fullest extent permitted by law.  The Sponsor, with the consent of the Régie in Quebec, reserves the right to cancel or suspend this Contest, or to amend these Rules without prior notice or obligation, in the event of any accident, printing, administrative, or other error of any kind.

For Quebec residents:  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 board only for the purpose of helping the parties reach a settlement.

In the event of a dispute regarding who submitted an Entry, the Sponsor reserves the right, in its sole and absolute discretion, to deem an Entry to have been submitted by the person stated in the submission.

The Sponsor reserves the right, subject only to the approval of the Régie in Quebec, to adjust any of the dates, timeframes 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 circumstances 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.

By entering this Contest, each entrant expressly consents to the Sponsor, its agents and/or representatives storing, sharing and using the personal information submitted by the entrant for the purpose of administering the Contest and in accordance with Sponsor’s privacy policy (available at:   


All intellectual property used by the Sponsor in connection with the promotion and/or administration of the Contest, including, without limitation, all trade-marks, trade names, logos, designs, promotional materials, web pages, source code, drawings, illustrations, slogans and representations are owned (or licensed, as the case may be) by the Sponsor. All rights are reserved. Unauthorized copying or use of any such intellectual property without the express written consent of its owner is strictly prohibited.


In the event of any discrepancy or inconsistency between the terms and conditions of these Rules and disclosures or other statements contained in any Contest related materials, including but not limited to, the French version of these Rules and point of sale, print or online advertising; the terms and conditions of the English Rules shall prevail, govern and control.


The Equitable Life Insurance Company of Canada, One Westmount Rd. North, Waterloo, Ontario, N2C 4J7 Attn: Equitable Gives Back Contest.