Listed below are the terms and conditions for the LowestRates.ca giveaway "My Lucky Valentine."  The list below contains details on the following: how to enter, eligibility, prize, and other information regarding the promotion.

How to Enter
 
Prize
 
Random Draw
 
Refer a Friend
 
Eligibility
 
Application Qualifications
 
Prize Winner Notification
 
Releases
 
Governing Conditions
 
  1. The giveaway commences at 12:00 AM EST (Eastern Standard Time) on February 1,2013 and closes at 11:59 PM EST (Eastern Standard Time) on February 28, 2013.
  2. Submit a mortgage, life insurance, or auto insurance inquiry form on LowestRates.ca to be entered into a draw for $100.  Submit additional mortgage, life insurance, or auto insurance inquiry forms on LowestRates.ca to increase your potential prize pool up to a maximum of $300.
    1. If you submit one inquiry form, your potential prize pool will be $100 and you will have one entry in the draw.
    2. If you submit two applications, your potential prize pool will be $200 and you will have one entry in the draw.
    3. If you submit three or more applications, your potential prize pool will be $300 and you will have one entry in the draw.
  3. Refer a friend for additional entries in the draw.  Every friend that you refer that completes a mortgage, life insurance, or auto insurance inquiry form on LowestRates.ca increases your chance of winning by gaining you one additional entry into the draw.
  4. A prize of up to $300 will be awarded to a winner that is randomly drawn at 11:59 PM EST on February 28, 2012.
    1. If the winner drawn has completed one inquiry form, then the prize will be $100.
    2. If the winner drawn has completed two inquiry forms, then the prize will be $200.
    3. If the winner drawn has completed three or more inquiry forms, then the prize will be $300.
  5. The random draw will be conducted using an excel spreadsheet.
     
     
    1. An "entry number" will be assigned to each person for each entry into the draw.  Each additional entry from that person will be assigned the same entry number, increasing that person's chances of winning by one.
    2. Each entry number will be recorded in a column.
    3. A random number ("row number") from rows 2 to x (x being the last row in the entry number column as of 11:59 PM EST on February 28, 2013) will be picked using the RAND function on excel and the entry number that corresponds with the row number will be awarded the prize.
  6. Once you have submitted a mortgage, life insurance, or auto insurance inquiry form, you have two options to share the contest with a friend via email and gain an additional entry into the contest:
    1. A link will appear on the page following your form submission: "Refer a friend here"
    2. A link will appear in an email we send you following your form submission: "Refer a friend here"
  7. Each friend that you share the contest with must complete a mortgage, life insurance, or car insurance inquiry form in order for your referee's application to qualify as an additional entry for you.
    1. In the mortgage, life insurance, and auto insurance inquiry form, there is a field asking for the referee's email, in which a friend must input the referee's exact email address.
    2. An inquiry form with the referee's email address submitted will assign an additional entry for the referee, as seen in Section 5, c (Row 3).
  8. This giveaway is open to Canadian residents only.
  9. Entrants are eligible only for the prize described in the section titled "Prize", providing all submission conditions set forth in the following section titled "Application Qualifications" are met
  10. The following conditions must be met for a mortgage inquiry form to qualify:
     
     
    1. User must search for a mortgage offer by filling out the form at the top of https://www.lowestrates.ca/mortgage or viewing any of the pages in the "By Province" menu on the left side of the page.
    2. User must access a mortgage inquiry form by clicking on "Get Rate" for any mortgage offer found in step a.
    3. User must provide first name, last name, phone number, email, and city.
    4. User must click "Email Lender" to submit the form.
  11. User must reach https://www.lowestrates.ca/whats-your-next-step.
  12. The following conditions must be met for a life insurance inquiry form to qualify:
     
     
    1. User must search for a quote by filling out the form on https://www.lowestrates.ca/insurance/life.
    2. User must access a life insurance inquiry form by clicking on "Get Rate" for any of the offers listed on https://www.lowestrates.ca/insurance/life-insurance-list.
    3. User must provide first name, last name, phone number, email, province, and city.
    4. User must click "Email Provider" to submit the form.
    5. User must reach https://www.lowestrates.ca/whats-your-next-step?action=life.
  13. The following conditions must be met for an auto insurance inquiry form to qualify:
     
     
     
     
    1. User must complete form on www.lowestrates.ca/insurance/auto and click on "Get Quote" to obtain a range of quotes.
    2. User must click on "Get Quote" to transfer to our partner's page to continue the inquiry.
    3. User must complete Steps 1 (Vehicle Details), 2 (Driver Details), and 3 (Discounts) on https://www.lowestrates.ca/insurance/auto.
    4. User must secure a rate by either clicking on "CALL NOW!", the number listed, "REQUEST A CALL NOW!", or "APPLY ONLINE NOW!"
       
       
      1. If user selects "APPLY ONLINE NOW!", proceed by clicking on "NEXT STEP".
      2. User must complete the application by clicking on "Submit" at the bottom of the form.
  14. LowestRates.ca will communicate the method of prize distribution to the winner via email after 11:59 PM EST (Eastern Standard Time) on February 28, 2013.
  15. The winner must allow the use of their name, picture, city of residence, and statements (text, audio, or video) for promotional purposes.
  16. The prize will be sent via email transfer of funds.
  17. If the winner fails to respond after 48 hours, the prize will be given to an alternate winner that is selected via another random draw as outlined in the section titled "Random Draw".
  18. For all entries, LowestRates.ca, its employees, and any company involved in the administration of the contest are not responsible for misdirected, lost, late, damaged, incomplete and/or illegible entries and incorrect transcription of entry information, as well as any technical malfunctions and failure of any network which may limit an individual's participation.
  19. This contest complies with all Canadian laws.
  20. By entering this giveaway, entrants agree to abide by all items in these Terms and Conditions.
  21. By providing name and email address, entrants agree to allow LowestRates.ca to contact them regarding this contest and any future marketing material.