2025 Credit Union Day GIC Contest
Rules and Regulations
1. Eligibility: The 2025 Credit Union Day GIC contest (the “Contest”) is being conducted by Brunswick Credit Union Limited. The Contest runs from October 16th to October 23rd, 2025, and is open to residents of New Brunswick who are members of Brunswick Credit Union.
2. Entry: Only eligible entries will be entered into the Contest. To enter the Contest, eligible individuals are required, during the Contest Period, to:
a.) Complete the 2025 Credit Union Day GIC Contest Entry Ballot.
b.) Provide their name and preferred contact information; and
c.) Be a member of Brunswick Credit Union.
Entries will ONLY be accepted via completion of the online entry ballot. Incomplete entries will be disqualified.
3. No Purchase Necessary: No purchase of any credit union product or service is necessary to enter or win the Contest. A purchase does not increase the chances of winning.
4. Entry Deadline: To be accepted, entries must be received no later than October 23rd, 2025 at 11:59 PM ADT. Entries received after the deadline will not qualify for the draw.
5. Entry Restrictions: The contest is ONLY open to members of Brunswick Credit Union. To be eligible to enter the Contest, entrants must be, as of the end of the Contest Period: a legal resident of Canada, a member of Brunswick Credit Union, and must have reached the age of majority (19 in NB). All entries will be subject to verification of their eligibility in meeting these requirements. Entrants may only submit one entry. Additional Entries by the same person will be disqualified.
Employees and board members from the following organizations in Atlantic Canada are not eligible for Contest entry: any credit union, any credit union wealth management partner, Atlantic Central, League Savings and Mortgage Company, League Data Ltd., and any credit union deposit insurance corporation (NSCUDIC, PEICUDIC, NBCUDIC, and CUDGC). Immediate family members (i.e. those living within the same household) of Brunswick Credit Union employees are not eligible for Contest entry.
6. Prizes: One (1) prize of a $500 Guaranteed Investment Certificate (GIC) held at Brunswick Credit Union in a non-redeemable term in the name of the Entrant. Interest term can be chosen by winner between one (1) and five (5) years at the set interest rate being offered by Brunswick Credit Union. The GIC can also be chosen to be deposited in a Non-Registered or Registered (TFSA or RRSP) product.
The Entrant must satisfy GIC application requirements and will be required to complete the corresponding application form. The Entrant will be bound by the terms and conditions that are applicable to the GIC plan.
7. Selection and Determination of Prize Winners and Prize Distribution: The Selected Entrants will be selected through a random draw from all eligible entries collected. The draw will be held on October 24th, 2025, at 10:00 AM ADT.
Selected Entrant will be notified by email or phone as indicated on the entry form. If there is no response within five (5) business days, Brunswick Credit Union will send one follow-up phone call, or email. If there is no response to the second notification within twenty-four (24) hours, the entry will be considered void and disqualified and the Selected Entrant will not receive a prize. The entrant will then have no recourse against Brunswick Credit Union. A new Selected Entrant will be chosen from the remaining eligible entries, and the above notification process will be repeated until all selected entrants are contacted. The odds of selection will depend on the total number of eligible entries received.
Before being declared a prize winner, each Selected Entrant must
a) confirmed as eligible to be a prize winner; and
b) may be required to sign a Complete Release and Waiver of Claim.
Prize winners must accept the prize as awarded; the prize cannot be transferred, exchanged or redeemed for cash at time of winning or another substitution.
The prize winners are required to attend a Brunswick Credit Union branch to receive their prize. The winner will be asked to present photo identification as verification to claim the prize. Upon opening a GIC account in the name of the Entrant/winner with a $500 amount contributed to by Brunswick Credit Union, the Credit Union will be deemed to have awarded the prize to the winner, with the winner assuming full responsibility for the prize.
8. Terms of Entry: By entering the Contest, entrants:
a.) agree to abide by all Contest rules and regulations.
b.) agree to accept the decisions of Brunswick Credit Union as final and binding in any matter relating to this draw.
c.) agree to release and hold harmless Brunswick Credit Union, including, but not limited to, their respective officers, directors, employees, agents, representatives, contractors, sub-contractors, wealth management partners, and shareholders from all liability resulting from actions taken in preparing for Contest entry, award, use, possession, or misuse of any prize, including any and all liability for injuries and loss or damage of any kind.
d.) acknowledge that no warranty or guarantee is given by Brunswick Credit Union surrounding the use of any prize.
e.) agree to a full release and hold harmless LinkedIn, Instagram and Facebook from all liability resulting from Contest entry, award, use, possession, or misuse of any prize, including any and all liability for injuries and loss or damage of any kind.
9. Applicable Law: The Contest and the prizes awarded are subject to all applicable federal, provincial, and municipal laws and regulations.
10. Privacy: All personal information collected in relation to the Contest will be destroyed immediately after the prizes are awarded, and will not be used for any other purpose, except where the entrant expressly consents to their personal information being used for another purpose as described.
Brunswick Credit Union reserves the right to modify, suspend, or cancel the Contest or these Rules at any time and without notice; including in the event that the Credit Union is prevented from continuing with the Contest as contemplated herein by any event beyond its control, or otherwise.