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Meridian Credit Union Limited – Mobile Wallet Debit Contest – Full Contest Rules

Contest Description

Meridian Credit Union Limited (“Meridian”) is offering the Meridian Mobile Wallet Debit Contest (the “Contest”) to reward eligible personal Meridian Members who make qualifying Interac® debit purchases using a Meridian-issued debit card that is active, in good standing, and linked to a Member’s personal chequing or savings account, and that is enabled for use with a supported mobile wallet or for in app transactions during the Contest Period (“Eligible debit card”) , and the Prize is sponsored by Interac Corp (“Prize Sponsor”). For the purposes of the Contest, an “Entrant” means an eligible Member who has satisfied all applicable eligibility requirements and has earned at least one (1) valid ballot entry in accordance with these Official Contest Rules.

 Eligible Members who complete the required number of qualifying transactions will automatically receive an entry for a chance to win one of  four(4) cash prizes, subject to these Official Contest Rules (the “Official Contest Rules”), which set out the full terms and conditions of the Contest, including eligibility requirements, entry methods, prize details, winner selection, and general conditions governing participation.

  1. Eligibility

The Contest is open to legal residents of Ontario who have reached the age of majority (18 years or older) at the time of entry.

To be eligible, an entrant must:

  • Be a personal Meridian Member in good standing

  • Hold an active, eligible Meridian Interac® debit card

Only personal Meridian Memberships are eligible. Business or commercial accounts, including debit cards linked to those accounts, are not eligible.

Eligibility is determined based on the cardholder’s membership and account status as of July 6th.

Individuals who collaborate with or are connected to Meridian, this includes immediate family members (such as spouses) or individuals residing in the same household as an otherwise ineligible person, who may be deemed jointly affiliated and therefore subject to the same eligibility restrictions(“Jointly Affiliated Individuals”). Employees, representatives, and agents of Meridian, the Prize Sponsor, and their respective parents, affiliates, subsidiaries, advertising and promotional agencies — as well as Jointly Affiliated Individuals  (whether related or not) — are not eligible to enter or win.

  1. Contest Period

The Contest runs from 12:00:01 a.m. Eastern Time (ET) on June 8, 2026 to 11:59:59 p.m. ET on July 6, 2026 (the “Contest Period”).

  1. How to Enter

Automatic Entry – Qualifying Activity

No registration is required.

An eligible cardholder will automatically receive one (1) Contest entry when they one (1) eligible debit transactions using an eligible Meridian Interac® debit card through a mobile wallet or for in app purchases only during the Contest Period.

  • Once the qualifying activity is completed on a debit card, one (1) entry is generated for that card.

  • Each eligible transaction completed on an eligible debit card will generate one (1) Contest entry. Cardholders with multiple eligible debit cards may earn entries on each card, based on their qualifying transactions.

  • Regardless of the number of entries earned, each individual is limited to one (1) prize (see Section 4).

For greater certainty, transactions made using a physical debit card — including card “tap,” chip, or PIN transactions — do not qualify under any circumstances.

Eligible Transactions

To count toward the qualifying activity, each transaction must:

  • Be made using a supported mobile wallet or as an  in app purchase

  • Be processed using an eligible Meridian Interac® debit card

  • Have a minimum purchase amount of $2.50 CAD, excluding applicable taxes

  • Be completed at a Canadian merchant as defined below

  • Be successfully processed and settled during the Contest Period

The following transactions are not eligible:

  • Physical debit card transactions (including card tap)

  • Chip and PIN transactions

  • ATM withdrawals

  • Refunds, reversals, chargebacks, or disputed transactions

  • Peer to peer transfers

  • Transactions processed outside of Canada

A “Canadian merchant” is defined as a merchant that processes debit transactions in Canada. Eligibility of in app purchases is subject to Interac® processing and routing rules.

 

Opt Out

A selected entrant may decline the prize at the time of notification. By declining, the entrant forfeits the prize, and an alternate entrant may be selected in accordance with these Official Contest Rules.

If a prize is declined, the selected entrant confirms they no longer wish to participate, and their personal information will not be used for Contest fulfillment.

No Purchase Necessary (NPN) Entry

No purchase is necessary to enter the Contest. If you do not wish to enter by using your Eligible debit card, but wish to enter the Contest, you may do so by mailing a letter that includes all of the following information:

  • Your full legal name

  • Email address

  • Phone number

  • Name of your participating Meridian branch/credit union

  • The last four (4) digits of your debit card associated with your eligible Meridian account

  • In fifty (50) words or less, a written response to the following question:

“Describe how you support local businesses in your community.”

  • A statement confirming that you have read, understood, and agree to be bound by these Contest Rules

The email address and/or phone number provided must match the contact information associated with your Meridian account.

Mail your completed entry to:

Attention: Meridian Mobile Wallet Contest

Merdian Credit Union

75 Corporate Park Drive

St. Catharines, ON L2S 3W3

with the subject line “Meridian Mobile Wallet Contest”

Entries must be postmarked or dated during the Contest Period and received no later than ten (10) business days following the end of the Contest Period. Each valid mail-in entry will count as one (1) Contest entry during the Contest Period. 

  1. Prizes

Prize Limit

Limit of one (1) prize per person and per household during the Contest Period, regardless of the number of eligible entries.

Available Prizes

A total of four (4) prizes will be awarded:

Member Prizes

  • Four (4) eligible Meridian Members will each receive $500 CAD, awarded by direct deposit or another method determined by Meridian.

The total approximate retail value of all prizes is $2,000 CAD.

Prizes must be accepted as awarded, are non transferable, and may not be exchanged or substituted for cash, except at Meridian’s sole discretion. All winners assume any and all liability for any injury or damage caused, or claimed to be caused, by entering, participating in this Contest or the use or redemption of a prize. Meridian reserves the right to substitute an alternate prize of equal or greater value if an advertised prize is unavailable at the time of award.

Four (4) winners will be selected randomly at the end of the Contest Period on July 17th.  , The potential winners will be selected by a random draw conducted by Meridian using a random selection process from all remaining eligible ballots. Each selected entrant will be notified by Meridian using the contact information associated with the entrant’s Meridian membership, which may include telephone and/or email. Each selected entrant will have seven (7) days from the date of first notification attempt to respond and claim their prize (the “Claim Period”).

If a selected entrant does not respond within the Claim Period, cannot be contacted, fails to correctly answer the skill testing question, or is otherwise deemed ineligible, the selected entrant will be disqualified and forfeit the prize. An alternate entrant may then be selected by random draw from among the remaining eligible ballots, subject to the same conditions.

 

Winner Selection and Confirmation. On July 17th 2026 at 12:00 PM Eastern time zone at 75 Corporate Park Drive, St. Catharines Ontario) Meridian, will conduct a random draw from all eligible entries received before July 6th  and select the potential winners (Selected Entrants). Selected Entrants will be deemed winners if they meet all of the eligibility criteria set out in these Official Contest Rules. If a Selected Entrant does not meet the eligibility criteria, he/she will be disqualified and will not receive a prize and another entrant will be selected by way of a random draw from the remaining eligible entries. Before being declared a winner, Selected Entrants will be required to: (i) correctly answer the Meridian’s skill-testing question; (ii) sign and return Meridian and Prize Sponsor’s Declaration of Eligibility and Liability/Publicity Release form (Winner Release); and (iii) comply with all other Official Contest Rules, all in the sole discretion of Meridian.

 

Selected Entrants will be notified within 7 business days of the contest draw and will be contacted by phone and or email provided at the time of entry into the Contest. Up to three attempts will be made to contact Selected Entrants within seven (7)business days. following the draw. A Selected Entrant that does not or cannot accept a prize may be forfeited and a new Selected Entrant selected by random draw, in Meridian’s sole discretion. A signed copy of Meridian and Prize Sponsor’s Release must be signed and returned  to Meridian by July 20th 2026. . Meridian is not responsible for the failure for any reason whatsoever of a Selected Entrant to receive notification or for Meridian to receive a Selected Entrant’s response.

 

Disputes regarding identity of entrant: If the identity of a Selected Entrant is disputed, the entry will be deemed to have been submitted by [the individual assigned to the email address entered at the time of entry (Authorized Account Holder). Each Selected Entrant may be required to provide proof that he/she is the Authorized Account Holder associated with a selected entry. Prizes will be issued within two (2) weeks of winner confirmation and eligibility verification.

Prize Sponsor:

Prizes are sponsored by Interac Corp. Interac is not the administrator or organizer of the Contest and is not responsible for winner selection or prize fulfillment. All questions relating to the Contest entry or administration should be directed to Meridian.

 

 5. Odds of Winning

Odds of winning depend on the total number of eligible entries received during the Contest Period. Odds may vary depending on transaction processing and participation levels. 

 

  1. General Conditions

Any dispute regarding the interpretation, validity, eligibility, or administration of the Contest, including but not limited to disputes relating to the awarding of prizes, shall be resolved by Meridian Credit Union Limited (“Meridian”), in its sole and absolute discretion.

 

By participating, entrants agree to comply with these Official Contest Rules and with the decisions of Meridian, which are final and binding.

To be declared a winner, each selected entrant must:

  • Correctly answer, without assistance and within a specified time limit, a mathematical skill testing question; and

  • Confirm compliance with all eligibility requirements and the Official Contest Rules.

 Failure to meet these requirements will result in disqualification.

  • Sign and return a declaration and release form

 

Meridian reserves the right to disqualify any entrant who tampers with the Contest, attempts to circumvent these Official Contest Rules, or engages in conduct that compromises the integrity of mobile wallet or in app debit transactions.

The Contest is subject to all applicable Canadian federal, provincial (excluding Quebec), and municipal laws.

Meridian may cancel, suspend, or amend the Contest at any time, without notice, if circumstances arise that affect the fairness or proper administration of the Contest.

 

  1. Release and Indemnification

 All winners must sign Meridian and Interac Corp’s Winner Release to: (i) confirm compliance with all Contest Rules; (ii) agree to accept prizes as awarded; (iii) release, discharge and hold harmless Meridian and Prize Sponsor (Interac Corp), related and affiliated companies, subsidiaries, subcontractors, advertising and promotional agencies, counsel, partners, and each of their respective directors, officers, employees, members, shareholders, successors, partners, licensees, subsidiaries, agents, advisors, assignees, and all others associated with the administration, development and execution of the Contest (Released Parties) from and against any and all manner of action, cause of action, claim or demand, loss or injury, use or misuse of a prize or any travel related thereto, and the use of entries by Meridian and Interac Corp, , including legal fees and expenses, whatsoever, including but not limited to, claims based on negligence, breach of contract and fundamental breach, failure of any third-party contractor or supplier used in connection with any aspect of the Contest to perform or deliver any goods or services, any act of God or any other event beyond the Released Parties’ control, any dissatisfaction of any kind by a winner with any aspect of the Contest or any prize, liability for physical injury, death, or property damage which the Entrants, guests, their heirs, successors or assigns have, might have or could have suffered, by reason of or arising out of the Entrant’s participation in the Contest and/or in connection with the acceptance and/or exercise by the Entrant of prizes as awarded; and (iv) indemnify the Released Parties against any loss, damage or expense, including legal fees, that any of the Released Parties may suffer or incur as a result of any non-compliance by Entrants with any of the Official Contest Rules or participation in the Contest and/or in connection with the acceptance and/or exercise by an Entrant of a prize, and the use of entries by Meridian and Interac Corp.

Meridian and Prize Sponsor (Interac Corp)  are not responsible for: (i) incorrect or inaccurate entry information that may affect a person’s ability to participate in the Contest or be awarded a prize, including but not limited to human error, technical malfunctions, lost or delayed entries for any reason, mail failures, omission, or any combination thereof, and entries that fail to fully comply with these Official Contest Rules; (ii) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (iii) lost, incomplete, delayed, mutilated or misdirected entries or Winner Releases; (iv) injury or damage to entrants’ computers or to any other individual’s computer related to or resulting from participating in, or downloading any material regarding the Contest or accepting a prize; (v) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from entrant’s participation in the Contest or receipt or use or misuse of any prize, including any related travel and the use of entries by Meridian and Interac Corp; (vi) the security or privacy of information transmitted via computer networks or for breaches of privacy due to interference by third-party computer hackers or otherwise; or (vii) late, lost, misdirected or unsuccessful efforts to notify a potential winner

 

  1. Privacy

Personal information collected will be used solely for Contest administration and will be handled in accordance with Meridian’s Privacy Policy and applicable privacy laws.

Entrants may withdraw consent, but doing so may result in forfeiture of eligibility for a prize.

 

  1. Limitation of Liability

To the fullest extent permitted by law, Meridian and Interac Corp. are not responsible for indirect, incidental, or consequential damages arising from Contest participation or prize acceptance. Total liability shall not exceed the total value of prizes awarded.

10. Other Conditions. Meridian reserves the right to terminate or amend this Contest at any time and in any way, without prior notice to Entrants. Without limiting the foregoing, if, for any reason, the Contest is not capable of running as originally planned for any reason, Meridian reserves the right to cancel the Contest and conduct a random draw from all previously received eligible entries received by July 6th, 2026.

11. Law. The Contest is void where prohibited by law and is subject to all applicable Canadian federal, provincial, territorial, municipal and local laws. This Contest shall be governed exclusively by the laws of the Province of Ontario, including all issues and questions concerning the construction, validity, interpretation and enforceability of these Contest rules, rights and obligations between entrants and Meridian or the Prize Sponsor, and procedural provisions, without giving effect to any choice of law or conflict of law rules. Any dispute shall be adjudicated by the courts sitting in Toronto, Province of Ontario.

12. Rule Amendments. Meridian reserves the right, in its sole discretion, to amend or modify these Contest Rules, or modify, cancel or suspend this Contest, without prior notice for any reason whatsoever, including without limitation in the event that any cause beyond the reasonable control of Meridian corrupts, or threatens to corrupt, the security or proper administration of the Contest.

13. Intellectual Property. All intellectual property, including but not limited to trademarks, logos, designs, promotional materials, web pages, source codes, images, drawings, illustrations, slogans and representations are owned by Meridian and/or Meridian has licensed the right to use such IP. All rights reserved.  Unauthorized copying or use of any of the Prize Sponsor or Meridian’s intellectual property without the express written consent of the Prize Sponsor or Meridian is strictly prohibited.