Skipped to content anchor



Educators Financial Group, 2225 Sheppard Ave E #1105, North York, ON M2J 5C2. Educators Financial Group-sponsored contests are in no way sponsored, endorsed or administered by, or associated with, Instagram. You understand that by participating in any Educators Financial Group-sponsored contest, you are providing your information to Educators Financial Group and not to Instagram (except as otherwise specified in the Instagram platform terms). You agree to completely release Instagram of all liability in connection with any Educators Financial Group-sponsored contest. Any questions or comments regarding a contest must be directed to Educators Financial Group and not to Instagram.


At various times, Educators Financial Group may sponsor contests on Instagram (each a “contest”). The starting date and time for any such contest and the details to enter will be announced in an Instagram post via Educators Financial Group’s Instagram account (

To enter the contest: eligible participants must read and accept the OFFICIAL CONTEST RULES and have an Instagram account to follow the guidelines detailed in Educators Financial Group’s Instagram post. The method of entry will be provided in the Instagram contest post. For example, you may be asked to “like” the post, tag a friend on the post, leave a comment on the post, answer a question on the post, or share a photo on Instagram and include a specific hashtag(s).

In the instance that a contest offered by Educators Financial Group requires followers to send a photograph and/or image of any sort, each entrant’s photo entry must:

  • be their original creation, and be a photograph taken solely by entrant. Reproducing, modifying, enhancing or altering a third party’s pre-existing work does not qualify as original creation;
  • not violate the rights of any third party, including, but not limited to copyright. For example, photo entry must not defame, infringe or violate publicity or privacy rights of any person, living or deceased, or otherwise infringe upon any person’s, entity’s or organization’s personal or proprietary rights, including but not limited to, intellectual property rights;
  • not have been previously used commercially, submitted to another competition or contest, or won any other award;
  • be in “good taste” and in keeping Educators Financial Group’s brand image and must not be explicit or offensive, as determined by Educators Financial Group, in its sole and absolute discretion;
  • not contain any commercial content that promotes any product or service;
  • not be false, inaccurate or misleading;
  • not violate any law or regulation;
  • not be libelous, threatening or harassing;
  • not instigate others to commit illegal activities or violate human rights; and
  • not contain any viruses, worms, or other interfering computer programming.

An entrant(s)’ right to submit a photo entry must not be restricted in any way. Each entrant must be able to provide legal releases for use of their photo entry by Educators Financial Group in any format, and materials related to the Contest, including in relation to any third party’s name, likenesses or work (“Third Party Elements”) included in your photo entry.

Each selected entrant acknowledges that their photo entries may appear in other electronic and print materials related to the Contest, including promotional materials. By posting a photo, entrant irrevocably, perpetually, and without limitation, grants Educators Financial Group the right to use, publish, adapt, sub-license, edit, dispose of, and/or modify such photo entry and the concepts and Third Party Elements embodied therein in any way, in commerce, and in any and all media worldwide in electronic and print materials related to the Contest, and waive all rights, including moral rights, in the photo entry, without notice or compensation, and agree that they may be required to sign a release to that effect.

All entries are subject to verification. Educators Financial Group reserves the right, in its sole discretion, to require proof of identity and/or eligibility (in a form acceptable to Educators Financial Group) to participate. Failure to provide such proof in a timely manner may result in disqualification. The sole determinant of the time for the purposes of a valid entry will be the Contest server machine(s).


Only one entry per person (unless otherwise stated), and you may only use one Instagram account to participate. Each complete and eligible response automatically qualifies as an entry to the contest. Educators Financial Group does not accept entries for its Instagram contests by phone, fax, courier, mail or email.


To be eligible for the contests, a person must (1) be an Instagram user who is a resident of Ontario or British Columbia, (2) have reached the age of majority in their province of residence and (3) not be an employee, representative or agent of, or domiciled with an employee, representative or agent of, Educators Financial Group, its affiliates, marketing, and advertising agencies, suppliers or Contest judges.


In the event of a dispute, the name and mailing address first sent by Private Message from the holder of the Instagram account will be deemed to be the entrant. The sole determinant of time for the purposes of a valid entry in the contest will be the date stamp on the Instagram post.


Winner selection is based upon a random draw held at Educators Financial Group’s head office located at 2225 Sheppard Ave E #1105, North York, ON M2J 5C2 following the contest closing date from all eligible entries received. Odds of winning depend on the number of eligible entries received.


For Educators Financial Group sponsored contests on Instagram, the number of prizes to be awarded will range from 1 to 10 with each prize having an approximate retail value ranging between $25 and $100 (Canadian dollars). Limit of one (1) prize per entrant. Prize selection for each contest is at the sole discretion of Educators Financial Group but will consist of prizes like gift cards (Amazon, Indigo, Home Depot. etc.), gift baskets, and books.

Prizes will be set out prior to the start of each contest in the applicable Educators Financial Group Instagram contest post. Prizes will be shipped via standard post at no cost to confirmed winner(s) at the mailing address provided by winner(s) or sent by email to the confirmed winner(s) email address provided by winner(s). Prize(s) must be accepted as awarded, is not transferable and cannot be exchanged for cash. No telephone contact or correspondence will be entered into except with the selected entrant(s) and confirmed winner(s). Educators Financial Group reserves the right to substitute a prize that is, in their sole discretion, a prize of equivalent or greater value.


Any selected entrant(s) will be announced within 2 days after the draw via the applicable Educators Financial Group Instagram post by direct message to the selected entrant(s)’ username(s). Selected entrant(s) will be required to contact Educators Financial Group via Private Message on Instagram to confirm eligibility and provide contact information (full name, email address, and mailing address). Each potential winner has until midnight EST, 4 business days after the selected entrant(s) is announced to private message Educators Financial Group on Instagram and to satisfy all contest requirements, which may include correctly answering, unassisted, a mathematical skill-testing question, among other requirements. If a private message is not received within the prescribed time, the prize may be forfeited and awarded to an alternate entrant. Selected entrant(s) may be required to execute and return by mail and/or email an Affidavit of Eligibility, General Liability Release and Consent to Publicity form within 10 days of notification or the prize may be forfeited and awarded to an alternate entrant.


By accepting a prize, winner(s) consents to the use of his or her name, photo entry, profile picture, comments and/or likeness for purposes of advertising or promotion without further compensation.


All entrants agree to be bound by these Rules, Instagram’s “Terms of Use” and “Photo Sharing Guidelines” and decisions of Educators Financial Group. Educators Financial Group in its sole discretion, reserves the right to disqualify any person it finds to be in violation of these Rules, Instagram’s “Terms of Use”, or “Photo Sharing Guidelines”. Educators Financial Group is not liable if any entrant’s account is suspended by Instagram for violation of Instagram’s “Terms of Service” or “Community Guidelines”. Such entrant will also be disqualified from any Educators Financial Group-sponsored contest.


Educators Financial Group is not responsible for late, lost, incomplete, irregular, or misdirected “comments”, email or for any computer, online, telephone or technical malfunctions or human errors that may occur. If for any reason, the contest is not capable of running as planned, or more prizes are awarded than planned, including due to a computer virus, bugs, tampering, unauthorized intervention or technical failures of any sort, Educators Financial Group may cancel, terminate, modify, or suspend the applicable contest, in whole or in part, without notice or obligation.. Entrants further agree to release Educators Financial Group and Instagram from any liability resulting from or related to participation in the contests or the awarding or use of any prize. Educators Financial Group reserves the right to terminate or withdraw this contest at any time.


Personal data gathered by Educators Financial Group will be used to administer this Contest. No further informational or marketing communications will be received by entrants unless entrants provide explicit permission to do so as indicated on the entry form. Please see Educators Financial Group’s Privacy Policy at for information on its policy towards maintaining the privacy and security of your information.


Decisions of Educators Financial Group shall be final and binding in all matters relating to contests and the awarding of a prize. These Contest Rules shall prevail, govern and control over contests offered by Educators Financial Group on Instagram. The contest is void where prohibited by law and is subject to all applicable federal, provincial and municipal laws and regulations. The contest and these Rules are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

These Contest Rules are effective as of May 2, 2022.

Back to Site