BrokerLink Photo Contest

Official Contest Rules and Regulations

The BrokerLink Photo Contest (the “Contest”) is sponsored by Brokerlink Inc. (the “Sponsor”). The Contest starts on November 3, 2025 12:01 AM ET and closes on February 28, 2026 11:59 PM ET (the “Contest Period”).

The Sponsor reserves the right to permit its subsidiaries, affiliated companies and parent companies and each of their respective directors and partners, officers, employees, brokers, agents, representatives, advertising and/or promotional agencies (the “Agents”) to perform all or any portion of the activities necessary in connection with this Contest.

1. ELIGIBILITY

This Contest is open to legal residents of Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Nova Scotia, Newfoundland and Labrador and Prince Edward Island who have reached the age of majority in their province of residence at the time of entry. Eligible participants must be active BrokerLink customers at the time of the draw, not in default of payment, and not in the process of terminating or canceling their insurance policy(ies). ("Eligible Persons").

Employees, agents and representatives of the Sponsor, its affiliated companies, parent companies, advertising and promotional agencies, legal advisors, or parties engaged in the development, productions and distribution of materials related to this Contest, as well as members of their immediate family and/or persons living in the same household during the Contest Period are excluded.

2. HOW TO PARTICIPATE

No purchase required.

Eligible Persons will be entered into the Contest when they submit a photo via the submission form during the Contest period. (collectively referred to as the “Participants” or individually as a “Participant”).

Photo Submission Criteria:

• Open to amateurs and professionals alike.
• Photos must be the policy holders’ own work.
• Photos must align with the following themes:
  • Lifestyle pictures containing any of the following:
    • Houses, condos/apartments/rental, vacation property, cars, motorcycles, RVs and trailers, snowmobiles, ATVs, boats, pets, farms, commercial marine and boats, miscellaneous businesses and their activities (e.g. hospitality, retail, construction, etc.)
  • Pictures featuring Canadian communities, landscapes, attractions
• Photos taken with DSLR/DSLT cameras, as well as high-resolution mobile phones/tablets accepted.
• JPEG or PNG formats preferred.
• Photos in RGB colour format preferred.
• Photos need to be in landscape orientation (wider than tall). Minimum width of 2,000 pixels on its longest side.
• Maximum file size: 25MB
• Photos should include camera-recorded metadata.
• Basic editing (cropping, colour correction) allowed. No heavy manipulation (e.g. no composites or AI-generated content).
• No watermarks or identifying marks.
• Release required if photo shows persons.
• No identifiable brands or signage to be included due to copyright concerns.

The odds of winning depend on the total number of Participants entered into the Contest.

No other methods of entry will be accepted. Limit of one (1) entry per eligible policyholder.

Entries will be deemed submitted by the authorized account holder of the e-mail address associated with the insurance policy and contest entry, as applicable. For the purposes of these Contest Rules, “authorized account holder” is defined as the natural person assigned to an e-mail address by an Internet access provider, online service provider, or other organization responsible for assigning e-mail addresses. Selected Participants may be required to provide the Sponsor with proof that they are the authorized account holder of the e-mail address associated with the winning entry.

All photos must be original work, taken by the participants. No third party may own or control any materials the photo contains, and the photo must not infringe upon the trademark, copyright, moral rights, intellectual rights, or rights of privacy of any entity or person. Participants retain the copyright of any images submitted. By entering, the Participants grant the Sponsor the right to use the images in their 2027 calendar as well as in communications and social media related to the contest and subsequent calendar publication. Name and location attributions shall be added to any instance in which the winning image(s) are used.

By submitting photos to this contest, participants acknowledge and agree that submitted images may be edited for production purposes. This may include, but is not limited to, cropping, resizing, colour correction, brightness and contrast adjustments, and other modifications necessary to ensure optimal presentation in print and digital formats. All edits will be made with the intent to preserve the integrity and impact of the original image.

3. THE PRIZE(S)

One of five $500 cash prizes (“the Prize”) will be awarded at the end of the contest period.

The Prize(s) must be accepted as awarded. It cannot be substituted or transferred to another person, except at the Sponsor’s sole discretion, subject to what is provided hereunder.

4. THE DRAW

The Prize(s) will be awarded to the Winners (as defined hereinafter) based on selections made amongst all eligible entries received for the Contest. Selection to be completed by a panel consisting of BrokerLink Insurance employees.

Judging Criteria:

• Creativity
• Originality
• Technical quality
• Relevance to theme
• Adherence to photo submission criteria

Selections to be completed by March 31, 2026, at the Sponsor’s office located at 700 University Avenue, Suite 1000, 10th floor, Toronto, ON, M5G 1Z5.

In order to be declared a Winner (as defined hereinafter), the selected Participant must meet all the criteria described under “ELIGIBILITY“, “HOW TO PARTICIPATE” and “CLAIMING A PRIZE” and their entry must be verified by the Sponsor.

5. CLAIMING A PRIZE

A representative of the Sponsor will inform by email the selected Participant whose name has been selected within seven (7) business days of the panel decision. If the Sponsor is unable to reach the selected Participant within seven (7) business days of the winning decision using all reasonable means, a new winner will be selected at the Sponsor’s office.

Should the selected Participant fail to meet the requirements set out in these Official Contest Rules and Regulations or be otherwise ineligible to win the Prize(s), the selected Participant will be disqualified, and the Prize(s) will be awarded to an alternate winner selected from the remaining eligible entries.

To claim their Prize(s) and be declared the Winner, the selected Participant will be required to meet all the following criteria:

1. correctly answer a time-limited mathematical skill-testing question; and
2. sign and return a standard form of Declaration and Release Form confirming compliance with these Official Contest Rules and Regulations within ten (10) business days of the date on which the selected Participant received the Declaration and Release Form for signing.

All Declaration and Release Forms may be subject to verification by the Sponsor. Those which are, depending on the case, incomplete, inaccurate, illegible, mechanically reproduced, mutilated, fraudulent, submitted or transmitted late, containing an invalid telephone number or otherwise non-compliant, may be rejected by the Sponsor. The non-compliant form will be considered as a formal or deemed refusal and releases the Sponsor from any obligation relating to the award of this prize. The Sponsor may, at its discretion, cancel this prize or make a new winning selection.

The Sponsor will arrange for delivery of the Prize in cheque format to the Winner. The Prize(s) may, at the entire discretion of the Sponsor be sent by mail or courier means upon receipt of the signed Declaration and Release Form.

(hereinafter collectively or individually the “Winner”)

6. GENERAL CONDITIONS

The Sponsor is not responsible for any associated costs incurred by the Winner with claiming the Prize(s). The Winner is solely responsible for the reporting and payment of any and all taxes, if any, that may result in claiming a Prize(s) in this Contest. Any claim to a Prize(s) will be subject to verification by the Sponsor, whose decision in this regard and on all matters of fact, interpretation, eligibility, procedure and fulfillment in respect to this Contest will be final and binding.

Entries submitted by third parties and any entries that are in any way tampered with, forged, mutilated, incomplete, illegible, photocopied or mechanically reproduced, or submitted by or through fraudulent means, may be disqualified, in the sole discretion of the Sponsor. This includes any entry that does not comply with these Official Contest Rules and Regulations in any respect.

By participating in this Contest, each Participant agrees to release and hold harmless the Sponsor, its subsidiaries, affiliated companies, parent companies, officers, directors and partners, including its advertising and/or promotional agencies, as well as their employees, brokers, agents and representatives and any third party websites or platforms including those owned by Meta Platforms, Inc. and X Corp. on which the Contest is advertised, of all liability direct or indirect, physical or material arising out of accepting or using a Prize(s), and each Participant releases the Sponsor, its sales promotion agency and all others involved from any recourse, claims or charges that could arise against them or one of them, now or in the future, by the Participant, his/her heirs, executors or estate administrators relating to the Contest or Prize(s).

The Winner agrees and consents that his/her name, age, photograph, location, voice, testimony and/or statements be used in whole or in part by the Sponsor, its advertising agencies and any other parties involved in the development, production and distribution of materials relating to the Contest, for any purpose, through any media present or future, including social media, in any jurisdiction and in any manner without compensation and without any additional approval from the Winner. No correspondence will be entered into with any person other than the Winner.

Any personally identifiable information collected during a Participant’s participation in the Contest will be collected and used in accordance with the Sponsor’s Privacy Policy available at https://www.brokerlink.ca/privacy-promise.

The Sponsor, its Agents, and legal advisors are not responsible for and shall not be liable for: (1) lost, late, damaged, illegible, stolen, misdirected, misidentified, or incomplete entries, for any problems or technical or mechanical malfunction of any telephone systems, computer on-line systems, servers, access providers, computer equipment, hardware or software programs, failure of any entry to be received by the close of the Contest Period on account of technical problems or traffic congestion on the Internet or at any website, or inaccurate entry information, whether caused by equipment, programming used in this Contest, human processing or otherwise, or any combination thereof; (2) any condition caused by events beyond the control of the Sponsor that may cause this Contest to be disrupted or corrupted; (3) any injuries, losses or damages of any kind arising in connection with or as a result of the Prize(s), or acceptance, possession, or use of the Prize(s), or from participation in this Contest; or (4) any printing or typographical errors in any materials associated with this Contest.

Should the Sponsor be unable to award the Prize(s) as described in these Official Contest Rules and Regulations, it reserves the right, at its sole discretion, to replace the Prize(s) with a prize(s) of a similar nature and equivalent value of the value of the Prize(s) as stated in these Official Contest Rules and Regulations in cash. The Sponsor disclaims any warranty, representation or guarantee, express or implied by fact or in law relative to the prize, including but not limited to its quality and condition.

A Winner’s express or implied refusal to accept a prize(s) releases the Sponsor from any prize-related liability toward that person. Following the express or implied refusal of a prize by the Winner, the Organizer may proceed, at its discretion, to the cancellation of this prize or to a new draw.

The Sponsor reserves the right at any time to withdraw this Contest or to modify, amend, change, or supplement these Official Contest Rules and Regulations, in its sole discretion, subject to applicable law. The Sponsor also reserves the right, at its entire discretion, to cancel, terminate or suspend this Contest should any event or cause beyond their control arise, which may corrupt or affect the administration, security, impartiality or progress of the Contest, as stipulated in these Official Contest Rules and Regulations.

The Contest is governed by all applicable federal, provincial and municipal laws and regulations.

If applicable, all Participants agree that: (1) any and all disputes, claims or causes of action arising out of or connected with the Contest or any prize(s) awarded shall be resolved individually, without resort to any form of class action, and exclusively by arbitration or alternate dispute resolution, as selected by the Sponsor, to take place in Toronto, Ontario; (2) any and all claims, judgments and awards shall be limited to actual out of pocket costs incurred in the participation of the Contest but in no event legal fees and expenses; and (3) under no circumstances will a Participant be entitled to obtain awards for and hereby waives all rights to claim punitive, incidental, indirect and consequential damages and any other damages (other than for direct damages limited to actual out-of-pocket reasonable costs), and any and all rights to have damages multiplied or otherwise increased.

Except where prohibited, all issues and questions concerning the construction, validity, interpretation and enforceability of these Official Contest Rules and Regulations and the decisions of the Sponsor in connection with the Contest, shall be governed by and construed in accordance with the laws of the province in which the Participant resides, without regard for conflict of laws doctrine.

For the identification of the Winner or for a copy of these Official Contest Rules and Regulations, send a self-addressed stamped envelope to: 700 University Ave. Suite 1000, 10th floor, Toronto, ON, M5G 1Z5, Attention: Marketing and Communications Team within one (1) year of the end of the Contest Period.