Essay Contest Application


    The Credit Education Week Canada Essay Writing Competition (the “Competition”) is sponsored by Credit Canada Debt Solutions. They are the Competition “Sponsor”. The Competition starts at 12:01:00 a.m. on September 3, 2019 and ends at 11:59:59 pm ET on October 15, 2019. This is the “Competition Period.” To be eligible to win, send us your essay (as described below) and your contact information by October 15, 2019. Together, the essay and your contact information are called your “Entry.” By participating in this Competition, you agree to obey all of these Competition rules and regulations — the “Official Rules.”


    No purchase necessary. To enter the Competition:

    1. 1. WRITE AN ORIGINAL ESSAY – Write an original essay that describes the dumbest thing you’ve done with your money and what you learned from it (the “Essay”). Your Essay must be between 900 and 1000 words. See section 5 below for other Essay requirements.
    2. 2. SUBMIT YOUR ENTRY - At the bottom of this webpage, click the Choose File button to upload your essay, and then click the Submit Your Essay button to complete the process.

    LIMIT ONE (1) ENTRY PER PERSON. You may only submit 1 Entry to this Competition. If we get more than one Entry from you or from your e-mail address, we’ll only consider your first Entry valid. We’ll disqualify all other Entries we get from you or from your e-mail address


    To enter and be eligible to win, you must be a legal resident of Canada and enrolled as a full-time Grade 12 student in a Canadian high school for the entire Competition Period.

    You’re not eligible to participate if you’re an employee, representative or board member of the Sponsors, Credit Counselling Canada (CCC), Capital One Bank (Canada Branch), or any other sponsor or prize provider associated with Credit Education Week Canada, their affiliates or related companies, licensees, promotion partners, advertising and promotional agencies, or a member of the households (whether related or not) of those employees.


    The Sponsor will choose eight Competition judges who will review and score the eligible Essays received according to the following criteria:

    • Funny (20%)
    • Creativity (20%)
    • Knowledge of savings and money management (20%)
    • Organization (20%)
    • Grammar/Spelling/Punctuation (20%)

    The Essays given the highest scores are eligible to win. These are the “Selected Essays.” If there’s a tie between any Selected Essays, then the score earned in the Creativity category acts as tie-breaker. If there’s still a tie, then the Selected Essay with the highest score(s) in both the Creativity and Organization categories will win the tie. In the unlikely event that there’s still a tie, the Sponsor (at their sole discretion) will choose an independent judge to break the tie. The independent judge will review and score the tied Essays according to the same criteria above.

    If your Essay is one of the Selected Essays, you’re considered a “Selected Entrant.” We’ll notify you by telephone that you’re eligible to win, on or about October 31, 2019. If we can’t reach you, or if you don’t respond within 2 days of the first time we try to reach you, you will be disqualified and the Sponsor may, at its sole and absolute discretion, choose the next-highest scoring entrant. Your odds of winning depend upon your skill and on the number of eligible Entries received.


    • 1. Write your Essay in either English or French.
    • 2. Present your Essay in 12-point font, double-spaced with one-inch margins, using Microsoft Word or Rich Text format. We won’t accept any handwritten Essays.
    • 3. Write an essay that is between 900 and 1,000 words only!
    • 4. Make sure your Essay is your original work, created specifically for this Competition. This means that you have exclusive intellectual property rights, and that your work wasn’t previously published, submitted or distributed anywhere else for any other reason.
    • 5. Include a cover page stating your name, mailing address, telephone number, and e-mail address right in the Essay document. This information won’t count toward the 1000-word limit.

    If we find that your Essay violates any of the above requirements, or anything else in these Official Rules, we may choose to disqualify your Essay from the Competition.

    You agree that your Essay will not be defamatory or obscene, and that it won’t include: obscenities; explicit, graphic or excessive sexual activity; crude, vulgar or offensive language; derogatory characterizations of any ethnic, racial, political, sexual or religious groups; content that endorses, condones or discusses any illegal, inappropriate or risky activity; substance abuse, underage drinking or smoking; any identifiable third-party products and/or trademarks or brands, all as determined by the Sponsor in its sole discretion.

    6. PRIZES

    There are 20 prizes available to be won.

    • 1 Grand Prize: The Selected Entrant who submits the highest-scoring Selected Essay is eligible to win $5000.
    • 1 Second-place Prize: The Selected Entrant who submits the second highest-scoring Selected Essay is eligible to win $3000.
    • 2 Third-place Prizes: The Selected Entrants who submit the next two third highest-scoring Selected Essays are each eligible to win $2500.
    • 5 Fourth-place Prizes: The Selected Entrants who submit the next five fourth highest-scoring Selected Essays are each eligible to win $1500.
    • 11 Fifth-place Prizes: The Selected Entrants who submit the next eleven fifth highest-scoring Selected Essays are each eligible to win $1000.

    All Selected Entrants receive 2 tickets (worth $155 each) to attend our Credit Education Week Canada Dinner Gala at the Royal York Hotel in Toronto, on November 14, 2019. We’ll announce the winners at the Gala Dinner and invite the grand prize winner to read his or her Essay. Selected Entrants are responsible for any airfare and hotel arrangements. A parent or legal guardian must accompany any Selected Entrant who is under the age of majority.

    7. RELEASE

    By entering the Competition, you agree to release the Sponsor, all prize providers associated with Credit Education Week Canada, their affiliates or related companies, licensees, promotion partners, advertising and promotional agencies, and their directors, officers, owners, partners, employees, agents, representatives, successors and assigns (collectively, the “Releases”) from any of the following:

    Claims; damages or liability due to any injuries; damages; losses to any person or property as a result of participating in this Competition or accepting a prize.

    By accepting a prize, Selected Entrants give their copyrights to the Sponsor (described in more detail in section 9). Before being declared a winner, Selected Entrants must sign a form confirming that they’ve complied with the Official Rules, a release of liability, and an assignment of copyright form. Selected Entrants must return each of these documents within the time period indicated on each document, or the prize will be forfeited. Any Selected Entrant under the age of majority must have a parent or legal guardian sign the documents within the time period shown before being declared winner.

    Without limiting the Releases’ responsibilities, and for greater certainty, Releases are not be liable for

    • 1. Any incomplete or inaccurate information (no matter the cause).
    • 2. Any theft, destruction, unauthorized access to, or alteration of any Entry.
    • 3. Any problems with telephone networks or lines, computer systems, servers, or network providers, computer equipment, software, bugs, viruses, trojan horses, worms.
    • 4. Any failure of any e-mail to be received by or from the Sponsor (for any reason).
    • 5. Any damage to an entrant’s or other person’s computer caused by participating in or downloading materials for this Competition.
    CAUTION: Any attempt to deliberately damage any website or undermine the Competition’s legitimate operation violates criminal and civil laws, and will result in disqualification. Should such an attempt be made, the Sponsor reserves the right to seek damages from any such Entrant to the fullest extent permitted by law.

    8. GENERAL

    The Sponsor isn’t responsible for Entries that are incomplete, lost, misdirected, garbled, illegible, undelivered or late, and these Entries won’t be accepted. All of the judges’ decisions are final in all matters relating to this Competition. All prizes must be accepted as awarded. Prizes are not transferable. Limit of one (1) prize per person. If there’s a dispute about the identity of the person who submitted an Entry, the Sponsor considers the person whose name is shown as author in the Essay document as the one who submitted the Entry. We’ll only be corresponding with Selected Entrants. The Competition is void where prohibited or otherwise restricted by law. The Competition is subject to all applicable federal, provincial/territorial, and municipal laws. Paragraph headings are for reference only and must not affect how you interpret these Official Rules. We won’t acknowledge or return any Entries.

    By accepting a prize, winners agree to read their Essays at the Dinner Gala. Winners grant the Sponsor and its designees the right to use their names, photographs, city/province of residence, biographical information, statements, voice, and likeness for promotional purposes relating to the Sponsor’s products, services, website, and this Competition or any subsequent competition, in any media or format, now and in the future without a time limit, and without compensation or notification. Entries not complying with these Official Rules may be disqualified. The Sponsor reserves the right to cancel or modify this Competition at any time without notice, subject to the approval of the Régie des alcools, des courses et des jeux. The Sponsor can do this for any reason including administrative error, omissions, technical problems such as computer viruses and bugs, tampering, unauthorized intervention and fraud, and any other causes beyond the reasonable control of the Sponsor that adversely affect the Competition’s administration, security, fairness, integrity or proper conduct as outlined in these Official Rules.

    For Quebec residents: Any litigation that concerns how this Competition is run or how prizes are awarded may be submitted to the Régie des alcools, des courses et des jeux. In all other cases, litigation concerning this Competition must be initiated in the City of Toronto, in Ontario, Canada.


    By accepting a prize, Selected Entrants assign all rights, title and interest to the Sponsor. Selected Entrants also waive their moral rights in and to their respective Essays. Further, they grant the Sponsor the non-exclusive, irrevocable right to use or modify the Essay in any way, for any purpose, without notice or compensation. Entrants will be required to sign a document to this effect. If a Selected Entrant is a minor, his or her parent or legal guardian must sign the document.

    10. PRIVACY

    By entering the Competition and voluntarily providing personal information including, but not limited to name, telephone number, mailing address and email address, the Entrant grants permission to the Sponsor and its affiliates to collect, use and disclose the personal information to administer the Competition, select the prize winners, distribute prizes, for publicity purposes, and for any other purposes required or permitted by law. All personal information submitted to the Sponsor as a part of this Competition is treated in accordance with our Privacy Policy. You can review a copy of our privacy policy at:
  • File can be in any of these formats: rtf, odf, pdf, doc, or docx.
    Accepted file types: rtf, odf, pdf, doc, docx.
  • For more information or questions about the essay contest contact us.
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