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Reflection Rewards Contest
This contest is open to Canadian residents only, excluding Quebec residents, and is governed by Canadian law 

1.     CONTEST PERIOD:  
Reflection Rewards Contest (the “Contest”) begins on March 9th, 2020 at 12:01 a.m. Eastern Time (“ET”) and ends on November 1st, 2020 at 11:59 p.m. ET (the “Contest Period”).

 2.     ELIGIBILITY: Contest is open to all Active Wellspent Users (defined below) who have reached the legal age of majority in their province/territory of residence at the time of entry, except Quebec residents and employees, representatives or agents (and those with whom such persons are domiciled, whether related or not) of RBC Ventures Inc.  (the “Sponsor”), its affiliates, prize suppliers, advertising/promotion agencies and any entity involved in the development, production, implementation, administration, judging or fulfillment of the Contest (collectively, the “Contest Parties”).  
An “Active Wellspent User” is an individual who has: (i) downloaded the Wellspent app and registered an account with Wellspent; (ii) linked a debit or credit card account and/or added transactions manually via the feed page in the app; and (iii) reflected on at least one (1) transaction in app per week during the four (4) weeks prior to any Draw Date (defined below). 

3.     HOW TO ENTER: Automatic Entry for Active Wellspent Users:  You will be automatically entered and receive one (1) contest entry into the Contest (an “Entry”) if you are an Active Wellspent User  and your Wellspent account is in good-standing during the Contest Period at the time of winner selection.   All eligible Entries submitted and received during the Contest Period will be entered into the random Prize draw.  If you wish to opt out of the automatic entry for the Contest please send your request to: hello@wellspent.co.

No-Purchase Means of Entry
:  To enter the Contest without becoming an Active Wellspent User, you must download the app, register an account with Wellspent and write a 50 word essay on how you are using the practice of reflection to learn to spend your money better and mail it to;

Wellspent c/o RBC Ventures Inc.
20 Bay St.17th floor
Toronto, ON
M5J 2N8

An automatic entry and a mail-in entry are each hereinafter referred to as an “Entry”. 

There is a limit of one (1) Entry per person/email address permitted during the Contest Week.  For greater certainty and the avoidance of any doubt, you can only use one (1) email address to enter the Contest.  If it is discovered by the Sponsor (using any evidence or other information made available to or otherwise discovered by the Sponsor) that any person has attempted to: (i) obtain more than one (1) Entry per person/email address during the Contest Period; and/or (ii) use (or attempt to use) multiple names, identities email addresses and/or any automated, macro, script, robotic or other system(s) or program(s) to enter or otherwise participate in or disrupt this Contest; then he/she may be disqualified from the Contest in the sole and absolute discretion of the Sponsor.  Your Entry may be rejected if (in the sole and absolute discretion of the Sponsor) it is not in compliance with these contest rules (“Rules”).  The Released Parties (defined below) are not responsible for late, lost, misdirected, delayed, incomplete or incompatible Entries (all of which are void).

All Entries 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 – including, without limitation, government issued photo identification): (i) for the purposes of verifying an individual’s eligibility to participate in this Contest; (ii) for the purposes of verifying the eligibility and/or legitimacy of an Entry 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 satisfaction of the Sponsor in a timely manner may result in disqualification in the sole and absolute discretion of the Sponsor.  The sole determinant of the time for the purposes of a valid Entry in this Contest will be the Contest server machine(s).

4.     THE PRIZE AND APPROXIMATE RETAIL VALUE:
  There will be a total of 68 prizes during the Contest Period with a total retail prize value of $6,800 CAD consisting of Amazon.ca eGift Cards or Chapters Indigo eGift Cards. Each Contest Week two (2) prizes will be available to be won on the Draw Date, each consisting of a $100 Amazon.ca eGift Card or Chapters Indigo eGift Card which will be sent via email to the email address registered with Wellspent.  Prize must be accepted as awarded and is not transferable, assignable or convertible to cash (except as may be specifically permitted by Sponsor in its sole and absolute discretion).  No substitutions except at Sponsor’s option.  Sponsor reserves the right, in its sole and absolute discretion, to substitute the Prize or a component thereof with a prize of equal or greater value, including, without limitation, but at Sponsor’s sole and absolute discretion, a cash award. Prize will only be awarded to the person whose verifiable full name and valid email address appears on their Wellspent account and who has completed the steps in Section 5. 

5.     RANDOM PRIZE DRAW AND WINNER SELECTION: A draw will be held once each week (each a “Contest Week”) during the Contest Period in Toronto, Ontario. Draws will take place at or around 12:00 PM EST every Monday starting March 16th, 2020 and ending on November 2nd, 2020 (each a “Draw Date”). Two potential winners will be drawn at random each Contest Week (see chart below) on each Draw Date from among all eligible Entries received from the start of the Contest Period up to midnight the Sunday before each Draw Date. Maximum of one (1) Prize per person for the Contest Week. The odds of winning depend on the number of eligible Entries submitted and received until such date during the Contest Period in accordance with these Rules.

Contest week 1
Duration:
March 9 – March 15
Draw Date: March 16

Contest week 2
Duration:
March 16 – March 22
Draw Date: March 23

Contest week 3
Duration:
March 23 – March 29
Draw Date: March 30

Contest week 4
Duration:
March 30 – April 5
Draw Date: April 6

Contest week 5
Duration:
April 6 – April 12
Draw Date: April 13

Contest week 6
Duration:
April 13 – April 19
Draw Date: April 20

Contest week 7
Duration:
April 20 – April 26
Draw Date: April 27

Contest week 8
Duration:
April 27 – May 3
Draw Date: May 4 

Contest week 9
Duration:
May 4 – May 10
Draw Date: May 11

Contest week 10
Duration:
May 11 –May 17
Draw Date: May 18

Contest week 11
Duration:
May 18 – May 24
Draw Date: May 25

Contest week 12
Duration:
May 25 – May 31
Draw Date: June 1

Contest week 13
Duration:
June 1 – June 7
Draw Date: June 8

Contest week 14
Duration:
June 8 – June 14
Draw Date: June 15

Contest week 15
Duration:
June 15 – June 21
Draw Date: June 22

Contest week 16
Duration:
June 22 – June 28
Draw Date: June 29

Contest week 17
Duration:
June 29 – July 5
Draw Date: July 6

Contest week 18
Duration:
July 6 – July 12
Draw Date: July 13

Contest week 19
Duration:
July 13 – July 19
Draw Date: July 20

Contest week 20
Duration:
July 20 – July 26
Draw Date: July 27

Contest week 21
Duration:
July 27 – August 2
Draw Date: August 3

Contest week 22
Duration:
August 3 – August 9
Draw Date: August 10

Contest week 23
Duration:
August 10 – August 16
Draw Date: August 17

Contest week 24
Duration:
August 17 – August 23
Draw Date: August 24

Contest week 25
Duration:
August 24 – August 30
Draw Date: August 31

Contest week 26
Duration:
August 31 – September 6
Draw Date: September 7

Contest week 27
Duration:
September 7 – September 13
Draw Date: September 14

Contest week 28
Duration:
September 14 – September 20
Draw Date: September 21

Contest week 29
Duration:
September 21 – September 27
Draw Date: September 28

Contest week 30
Duration:
September 28 – October 4
Draw Date: October 5

Contest week 31
Duration:
October 7 – October 13
Draw Date: October 14

Contest week 32
Duration:
October 14 – October 18
Draw Date: October 19

Contest week 33
Duration:
October 19 – October 25
Draw Date: October 26

Contest week 34
Duration:
October 26 – November 1
Draw Date: November 2

The Sponsor or its designated representative will make a minimum of two attempts to contact the selected entrant (using the information provided on the winner’s account) within three business days of the Draw Date.  If the selected entrant cannot be contacted within three business days of the Draw Date, or if there is a return of any notification as undeliverable; then he/she may, in the sole and absolute discretion of the Sponsor, be disqualified (and, if disqualified, will forfeit all rights to the Prize) and the Sponsor reserves the right, in its sole and absolute discretion and time permitting, to randomly select an alternate eligible entrant from among the remaining eligible Entries (in which case the foregoing provisions of this section shall apply to such newly selected entrant). 

Before being declared THE CONFIRMED PRIZE winner, the 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 two business days of notification the Sponsor’s declaration and release form, which (among other things): (i) confirms compliance with these Rules; (ii) acknowledges acceptance of the Prize as awarded; (iii) releases the Contest Parties and each of their respective officers, directors, agents, representatives, successors and assigns (collectively, the “Released Parties”) from any and all liability in connection with this Contest, his/her participation therein and/or the awarding and use/misuse of the Prize or any portion thereof; (iv) agrees to the publication, reproduction and/or other use of his/her name, address, voice, statements about the Contest and/or photograph or other likeness without further notice or compensation, in any publicity or advertisement carried out by or on behalf of the Sponsor in any manner whatsoever, including print, broadcast or the internet; and (v) provides his/her mailing address for receipt of the Prize.  If the selected entrant: (a) fails to correctly answer the skill-testing question[87] ; (b) fails to return the properly executed Contest documents within the specified time; (c) cannot accept (or is unwilling to accept) the Prize as awarded for any reason; and/or (d) is determined to be in violation of these Rules (all as determined by the Sponsor in its sole and absolute discretion); then he/she may, in the sole and absolute discretion of the Sponsor, be disqualified (and, if disqualified, will forfeit all rights to the Prize) and the Sponsor reserves the right, in its sole and absolute discretion and time permitting, to randomly select an alternate eligible entrant from among the remaining eligible Entries (in which case the foregoing provisions of this section shall apply to such newly selected entrant).                                               

6.     CONSENT TO SEND COMMERCIAL ELECTRONIC MESSAGES

By entering this Contest, each entrant expressly consents to the Sponsor, its agents and/or representatives, storing, sharing and using the personal information submitted with his/her Entry only for the purpose of administering the Contest and in accordance with Sponsor’s privacy policy (available at: http://www.rbc.com/privacysecurity/ca/our-privacy-policy.html).  Any other consent that the entrant has given to the Sponsor to receive commercial electronic messages which are currently in effect, and unrelated to this Contest, shall not be affected by the request for consent made pursuant to this Contest.

7.     GENERAL CONDITIONS: 
All Entries become the property of the Sponsor. 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.  By participating in this Contest, you are agreeing to be legally bound by the terms and conditions of these Rules. ANYONE DETERMINED TO BE IN VIOLATION OF THESE RULES FOR ANY REASON IS SUBJECT TO DISQUALIFICATION IN THE SOLE AND ABSOLUTE DISCRETION OF THE SPONSOR AT ANY TIME. 

The Released Parties will not be liable for: (i) any failure of the Website during the Contest; (ii) any technical malfunction or other problems relating to the telephone network or lines, computer on-line systems, servers, access providers, computer equipment or software; (iii) the failure of any Entry to be received, captured or recorded for any reason, including, but not limited to, technical problems or traffic congestion on the internet or at any website; (iv) any injury or damage to an entrant’s or any other person’s computer or other device related to or resulting from participating in the Contest; and/or (v) any combination of the above.

In the event of a dispute regarding who submitted an Entry, Entries will be deemed to have been submitted by the authorized account holder of the email address submitted at the time of entry.  “Authorized account holder” is defined as the person who is assigned an email address by an internet provider, online service provider, or other organization (e.g. business, educational institute, etc.) that is responsible for assigning email addresses for the domain associated with the submitted email address. An entrant may be required to provide proof (in a form acceptable to the Sponsor – including, without limitation, government issued photo identification) that he/she is the authorized account holder of the email address associated with the Entry in question.

The Sponsor reserves the right to withdraw, amend or suspend 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 damage any website or to undermine the legitimate operation of this Contest in any way (as determined by Sponsor in its sole and absolute discretion) is 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   reserves the right to cancel, amend or suspend this Contest, or to amend these Rules, in any way without prior notice or obligation, in the event of any accident, printing, administrative, or other error of any kind, or for any other reason whatsoever.  Without limiting the generality of the forgoing, the Sponsor reserves the right, in its sole and absolute discretion, to administer an alternate test of skill as it deems appropriate based on the circumstances and/or to comply with applicable law.

The Sponsor reserves the right, in its sole and absolute discretion, and without prior notice, to adjust any of the dates and/or time frames 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.

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: Website, television, print or online advertising, the terms and conditions of these Rules shall prevail, govern and control to the fullest extent permitted by law. 

The Sponsor or its designated representative will make a minimum of two attempts to contact the selected entrant (using the information provided on the winner’s account) within three business days of the Draw Date.  If the selected entrant cannot be contacted within three business days of the Draw Date, or if there is a return of any notification as undeliverable; then he/she may, in the sole and absolute discretion of the Sponsor, be disqualified (and, if disqualified, will forfeit all rights to the Prize) and the Sponsor reserves the right, in its sole and absolute discretion and time permitting, to randomly select an alternate eligible entrant from among the remaining eligible Entries (in which case the foregoing provisions of this section shall apply to such newly selected entrant). 

Before being declared THE CONFIRMED PRIZE winner, the 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 two business days of notification the Sponsor’s declaration and release form, which (among other things): (i) confirms compliance with these Rules; (ii) acknowledges acceptance of the Prize as awarded; (iii) releases the Contest Parties and each of their respective officers, directors, agents, representatives, successors and assigns (collectively, the “Released Parties”) from any and all liability in connection with this Contest, his/her participation therein and/or the awarding and use/misuse of the Prize or any portion thereof; (iv) agrees to the publication, reproduction and/or other use of his/her name, address, voice, statements about the Contest and/or photograph or other likeness without further notice or compensation, in any publicity or advertisement carried out by or on behalf of the Sponsor in any manner whatsoever, including print, broadcast or the internet; and (v) provides his/her mailing address for receipt of the Prize.  If the selected entrant: (a) fails to correctly answer the skill-testing question[87] ; (b) fails to return the properly executed Contest documents within the specified time; (c) cannot accept (or is unwilling to accept) the Prize as awarded for any reason; and/or (d) is determined to be in violation of these Rules (all as determined by the Sponsor in its sole and absolute discretion); then he/she may, in the sole and absolute discretion of the Sponsor, be disqualified (and, if disqualified, will forfeit all rights to the Prize) and the Sponsor reserves the right, in its sole and absolute discretion and time permitting, to randomly select an alternate eligible entrant from among the remaining eligible Entries (in which case the foregoing provisions of this section shall apply to such newly selected entrant).                                               

6.     CONSENT TO SEND COMMERCIAL ELECTRONIC MESSAGES

By entering this Contest, each entrant expressly consents to the Sponsor, its agents and/or representatives, storing, sharing and using the personal information submitted with his/her Entry only for the purpose of administering the Contest and in accordance with Sponsor’s privacy policy (available at: http://www.rbc.com/privacysecurity/ca/our-privacy-policy.html).  Any other consent that the entrant has given to the Sponsor to receive commercial electronic messages which are currently in effect, and unrelated to this Contest, shall not be affected by the request for consent made pursuant to this Contest.

7.     GENERAL CONDITIONS: 
All Entries become the property of the Sponsor. 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.  By participating in this Contest, you are agreeing to be legally bound by the terms and conditions of these Rules. ANYONE DETERMINED TO BE IN VIOLATION OF THESE RULES FOR ANY REASON IS SUBJECT TO DISQUALIFICATION IN THE SOLE AND ABSOLUTE DISCRETION OF THE SPONSOR AT ANY TIME. 

The Released Parties will not be liable for: (i) any failure of the Website during the Contest; (ii) any technical malfunction or other problems relating to the telephone network or lines, computer on-line systems, servers, access providers, computer equipment or software; (iii) the failure of any Entry to be received, captured or recorded for any reason, including, but not limited to, technical problems or traffic congestion on the internet or at any website; (iv) any injury or damage to an entrant’s or any other person’s computer or other device related to or resulting from participating in the Contest; and/or (v) any combination of the above.

In the event of a dispute regarding who submitted an Entry, Entries will be deemed to have been submitted by the authorized account holder of the email address submitted at the time of entry.  “Authorized account holder” is defined as the person who is assigned an email address by an internet provider, online service provider, or other organization (e.g. business, educational institute, etc.) that is responsible for assigning email addresses for the domain associated with the submitted email address. An entrant may be required to provide proof (in a form acceptable to the Sponsor – including, without limitation, government issued photo identification) that he/she is the authorized account holder of the email address associated with the Entry in question.

The Sponsor reserves the right to withdraw, amend or suspend 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 damage any website or to undermine the legitimate operation of this Contest in any way (as determined by Sponsor in its sole and absolute discretion) is 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   reserves the right to cancel, amend or suspend this Contest, or to amend these Rules, in any way without prior notice or obligation, in the event of any accident, printing, administrative, or other error of any kind, or for any other reason whatsoever.  Without limiting the generality of the forgoing, the Sponsor reserves the right, in its sole and absolute discretion, to administer an alternate test of skill as it deems appropriate based on the circumstances and/or to comply with applicable law.

The Sponsor reserves the right, in its sole and absolute discretion, and without prior notice, to adjust any of the dates and/or time frames 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.

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: Website, television, print or online advertising, the terms and conditions of these Rules shall prevail, govern and control to the fullest extent permitted by law.