Spin2Win Contest Rules

/home/customer/www/pay2day.ca/public_html/wp-content/themes/betheme-child/page.php

Necessary Information: To enter the Pay2Day Spin2Win Prize Wheel game, fill out the required information on the spinning wheel page. Your name and email address are required for online entry.

Limitations: Players are required to employed part-time or full-time. Players are limited to one entry during the lifetime of the promotion. Subsequent entries determined to be submitted from the same email address or from the same individual using different email addresses is in violation of this rule and will be declared ineligible. This Promotion is open to players who are 18 years or older as of the date of entry. The promotion is only open to legal residents of Ontario and British Columbia, Canada and is void where prohibited by law. Employees of Pay2Day, its affiliates, subsidiaries, advertising and promotion agencies, and suppliers, (collectively the “Employees”), and immediate family members and/or those living in the same household of Employees are not eligible to participate in the Promotion. The Promotion is subject to all applicable federal, state, and local laws and regulations. Void where prohibited.

Agreement to Rules: By participating, the Contestant (“You”) agree to be fully unconditionally bound by these Rules, and You represent and warrant that You meet the eligibility requirements. In addition, You agree to accept the decisions of Pay2Day as final and binding as it relates to the content of this promotion.

Promotion Period: This promotion will be active online starting on October 1, 2019 at 12 AM EST and ending October 31, 2019 at 11:59 PM EST.

Prizes: Value of the prizes are from $20 to $500. Actual/appraised value may differ at time of prize award. The specifics of the prize shall be solely determined by Pay2Day. No cash or other prize substitution shall be permitted except at Pay2Day’s discretion. The prize is non-transferable. Any and all prize-related expenses, including without limitation any and all federal, provincial, and/or local taxes, shall be the sole responsibility of Winner. No substitution of prize or transfer/assignment of prize to others or request for the cash equivalent by Winner is permitted. Acceptance of prize constitutes permission for Pay2Day to use Winner’s name, likeness, and entry for purposes of advertising and trade without further compensation, unless prohibited by law.

Instant Prizes:

All Players of the Spin2Win promotion are Winners. The prize distribution is as follows:

Prize: A $300 payday loan, interest-free (total value of $45) – Chances of winning: 40%
Prize: $45 off the Player’s first payday loan (total value of $45) – Chances of winning: 40%
Prize: $20 off the Player’s first payday loan (total value of $20) – Chances of winning: 20%

Prize: $300 Cash Advance Free

Winning player is eligible for a $300 cash advance for free. To qualify for prize, winning player must borrow a minimum of $300 and repay loan in full, including interest, when loan is due. This offer is available to new customers at participating locations or online applicants on their FIRST LOAN ONLY. Some conditions apply. Loans are subject to net pay and other qualification requirements. Under this offer, for a $300 payday loan for 14 days, the cost of borrowing is $0 for each $100 advanced with a total payback amount of $300. The cost of borrowing for all amounts in excess of $300, plus all subsequent loan amounts, is $15 for each $100 advanced. Ontario Residents: The cost of borrowing at PAY2DAY in Ontario is $15 per each hundred advanced. On a $500 payday loan for 14 days, the cost of borrowing is $75 with a total payback amount of $575 and an APR of 391.07%. The maximum allowable cost of borrowing under payday loan agreements in Ontario is $15 per each $100 advanced. All loan amounts are subject to net pay and other qualification requirements. Rates are subject to change at any time without notice. For a $1500 payday loan for 14 days, the cost of borrowing is $15.00 for each $100.00 advanced with a total payback amount of $1725.00. British Columbia Residents: The maximum charges permitted in British Columbia for a Payday Loan is 15% of the principal. We charge $15 per $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $45, with a total payback amount of $345 and an APR of 391.07%. BC License #77089.

Prize: $45 Off Your First Cash Advance

Winning player is eligible for $45 off a cash advance of $300 or more. To qualify for prize, winning player must borrow a minimum of $300 and repay loan in full, including interest, when loan is due. This offer is available to new customers at participating locations or online applicants on their FIRST LOAN ONLY. Some conditions apply. Loans are subject to net pay and other qualification requirements. Under this offer, for a $300 payday loan for 14 days, the cost of borrowing is $0 for each $100 advanced with a total payback amount of $300. The cost of borrowing for all amounts in excess of $300, plus all subsequent loan amounts, is $15 for each $100 advanced. Ontario Residents: The cost of borrowing at PAY2DAY in Ontario is $15 per each hundred advanced. Cannot be combined with other offers. Additional conditions may apply. On a $500 payday loan for 14 days, the cost of borrowing is $75 with a total payback amount of $575 and an APR of 391.07%. The maximum allowable cost of borrowing under payday loan agreements in Ontario is $15 per each $100 advanced. All loan amounts are subject to net pay and other qualification requirements. Rates are subject to change at any time without notice. For a $1500 payday loan for 14 days, the cost of borrowing is $15.00 for each $100.00 advanced with a total payback amount of $1725.00. British Columbia Residents: The maximum charges permitted in British Columbia for a Payday Loan is 15% of the principal. We charge $15 per $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $45, with a total payback amount of $345 and an APR of 391.07%. BC License #77089.

Prize: $20 Discount on Your First Cash Advance

Winning player is eligible for $20 off a cash advance of $200 or more. To qualify for prize, winning player must borrow a minimum of $200 and repay loan in full, including interest, when loan is due. This offer is available to new customers at participating locations or online applicants on their FIRST LOAN ONLY. Some conditions apply. Loans are subject to net pay and other qualification requirements. Under this offer, for a $200 payday loan for 14 days, the cost of borrowing is $5 for each $100 advanced with a total payback amount of $210. The cost of borrowing for all amounts in excess of $200, plus all subsequent loan amounts, is $15 for each $100 advanced. Cannot be combined with other offers. Additional conditions may apply. Ontario Residents: The cost of borrowing at PAY2DAY in Ontario is $15 per each hundred advanced. On a $500 payday loan for 14 days, the cost of borrowing is $75 with a total payback amount of $575 and an APR of 391.07%. The maximum allowable cost of borrowing under payday loan agreements in Ontario is $15 per each $100 advanced. All loan amounts are subject to net pay and other qualification requirements. Rates are subject to change at any time without notice. For a $1500 payday loan for 14 days, the cost of borrowing is $15.00 for each $100.00 advanced with a total payback amount of $1725.00. British Columbia Residents: The maximum charges permitted in British Columbia for a Payday Loan is 15% of the principal. We charge $15 per $100 borrowed. On a $300 loan for 14 days, the total cost of borrowing is $45, with a total payback amount of $345 and an APR of 391.07%. BC License #77089.

Monthly Sweepstakes:

NO PURCHASE IS NECESSARY TO ENTER OR WIN.

In addition, a monthly draw for a $500 pre-paid VISA gift card will be held. The odds of winning this prize depend on the number of eligible entries received.

Winner Selection and Notification: Instant Winners will be notified instantly and a confirmation email will be sent to the Player’s email address.The Monthly Sweepstakes Winner will be selected randomly under the supervision of Pay2Day. Winner will be notified email within five (5) days following selection of Winner. Pay2Day shall have no liability for Winner’s failure to receive notices due to spam, junk e-mail or other security settings or for Winner’s provision of incorrect or otherwise non-functioning contact information. If Winner cannot be contacted, is ineligible, fails to claim the prize within 10 days from the time award notification was sent, or fails to timely return a completed and executed declaration and release as required, the prize may be forfeited and an alternate Winner selected. Receipt by Winner of the prize offered in this Promotion is conditioned upon compliance with any and all federal, provincial, and local laws and regulations. ANY VIOLATION OF THESE OFFICIAL RULES BY WINNER (AT PAY2DAY’S SOLE DISCRETION) WILL RESULT IN WINNER’S DISQUALIFICATION AS WINNER OF THE PROMOTION, AND ALL PRIVILEGES AS WINNER WILL BE IMMEDIATELY TERMINATED.

Terms & Conditions: Pay2Day reserves the right, in its sole discretion, to cancel, terminate, modify or suspend the Promotion should virus, bug, non-authorized human intervention, fraud, or other cause beyond Pay2Day’s control corrupt or affect the administration, security, fairness, or proper conduct of the Promotion. In such case, Pay2Day may select the Winner from all eligible entries received prior to and/or after (if appropriate) the action taken by Pay2Day. Pay2Day reserves the right, in its sole discretion, to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the Promotion or website or violates these Terms & Conditions. Pay2Day has the right, in its sole discretion, to maintain the integrity of the Promotion, to void votes for any reason, including, but not limited to: multiple entries from the same user from different IP addresses; multiple entries from the same computer in excess of that allowed by Promotion rules; or the use of bots, macros, scripts, or other technical means for entering. Any attempt by an entrant to deliberately damage any website or undermine the legitimate operation of the Promotion may be a violation of criminal and civil laws. Should such attempt be made, Pay2Day reserves the right to seek damages to the fullest extent permitted by law.

Limitation of Liability: By entering, You agree to release and hold harmless Pay2Day and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers, and directors from any liability, illness, injury, death, loss, litigation, claim, or damage that may occur, directly or indirectly, whether caused by negligence or not, from: (i) such entrant’s participation in the Promotion and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof; (ii) technical failures of any kind, including but not limited to the malfunction of any computer, cable, network, hardware, or software, or other mechanical equipment; (iii) the unavailability or inaccessibility of any transmissions, telephone, or Internet service; (iv) unauthorized human intervention in any part of the entry process or the Promotion; (v) electronic or human error in the administration of the Promotion or the processing of entries.

Disputes: THIS Promotion IS GOVERNED BY THE LAWS OF CANADA, BRITISH COLUMBIA AND ONTARIO WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. As a condition of participating in this Promotion, participant agrees that any and all disputes that cannot be resolved between the parties and causes of action arising out of or connected with this Promotion, shall be resolved individually, without resort to any form of class action, exclusively before a court located in Ontario or British Columbia having jurisdiction. Further, in any such dispute, under no circumstances shall participant be permitted to obtain awards for, and hereby waives all rights to, punitive, incidental, or consequential damages, including reasonable attorney’s fees, other than participant’s actual out-of-pocket expenses (i.e. costs associated with entering this Promotion). Participant further waives all rights to have damages multiplied or increased.

Privacy Policy: Information submitted with an entry is subject to the Privacy Policy stated on the Pay2Day website. To read the Privacy Policy, click here.

Winners List: To obtain a copy of the monthly Sweepstakes Winner’s name or a copy of these Official Rules, mail your request along with a stamped, self-addressed envelope to: Pay2Day [420 Ambassador Drive, 2nd Floor, Mississauga, Ontario, Canada]. Requests must be received no later than 15 days after the contest end date.