The Innovation Federal Credit Union No Essay Required Scholarships are sponsored and administered by Innovation Federal Credit Union , PO Box 1090, Stn Main, Swift Current, SK, S9H 3X3. By participating in the contest, each entrant (or parent/guardian, in the case where the entrant is under 18 years of age) agrees to abide by and be bound by the Terms and Conditions. Entrants further agree to abide by and be bound by all decisions of Innovation Credit Union which shall be final and binding, without right of appeal, in all matters relating to the Innovation Federal Credit Union  No Essay Scholarships, including eligibility and/or disqualification of entries. 

Promotion Period

The contest promotion period begins January 1, 2023, at 11:00 am (CST) and ends on December 31, 2023, at 11:59 pm (CST). Only entries submitted and received during the promotion period will be accepted. Within the promotion period, there will be a total of twelve (12) monthly contest draw periods, which are as follows:

Eligibility 

The contest is only open to: (i) students that are enrolled full-time in a degree, diploma, or certificate program at a Canadian post-secondary educational institution (school) regardless of the student’s year of study and (ii) legal residents of Canada (excluding Quebec) who are 18 years or older at time of entry or have the permission of a parent or guardian to participate. Entrants are not required to be an Innovation Federal Credit Union member. No purchase or payment is necessary to enter or win. Purchases or payments do not increase the odds of winning. The odds of winning depend on the number of eligible entries received before the monthly contest draw period closes. Employees and immediate family members of Innovation Credit Union and Innovation Wealth are ineligible to enter. This includes spouse or common-law partner, dependent children, dependent children of a dependent child, parents or stepparents, parents or stepparents of the spouse or common-law partner, and guardians.

Conditions of Entry

Entries must be submitted on this page prior to the deadline of the monthly contest draw periods. Entries submitted that do not comply with the Terms and Conditions may be disqualified at the discretion of Innovation Federal Credit Union. Innovation Federal Credit Union reserves the right to disqualify any individual who tampers or attempts to tamper with the entry process, the operation of the contest, the contest webpage, violates these Terms and Conditions, or acts with intent to abuse, threaten, or harass any person involved in the contest. Invalid, incomplete, late, or undelivered entries will result in disqualification and are not the responsibility of Innovation Federal Credit Union. Limit one entry per person. Entrants that attempt to submit more than one entry per promotion period by using multiple email addresses, phone numbers, or identities will also be disqualified. Entrants are required to provide the following information to participate in the contest and to be eligible to win a prize:

• First Name
  
• Last Name
• Email 
• Mobile Phone Number
• Address
• City
• Province
• Postal Code
• Instagram Handle 
• Are you an Innovation Federal Credit Union member? 
• Post-Secondary School You’re Attending
• Type of Post-Secondary School
• Type of Post-Secondary Program
• What post-secondary program are you studying?
• Name of Post-Secondary Program
• Current Year of Program
• Registration – I confirm I am registered in post-secondary school full-time
• Age – I confirm I am at least 18 years old or have the permission of a parent or guardian to participate.

Proof of sent entry and/or entry receipt (“thank you for entering” message or screen) is not considered actual proof of entry by Innovation Federal Credit Union.

Innovation Federal Credit Union reserves the right to terminate, suspend, or modify the contest, at any time and without notice or obligation if any factor or event arises that could interfere with the proper conduct, administration, or security of the contest as outlined by these Terms and Conditions. 

How to Apply

Each eligible individual who completes the entry requirements to its entirety during the monthly contest draw period will become an entrant. Each entrant is limited to one (1) entry per monthly contest draw period. Non-winning entries will not be carried over to future monthly contest draw periods. An entrant is welcome to enter in multiple monthly contest draw periods but may only win one prize regardless of the promotion period. 

To enter and qualify, the entrant must complete the following steps:

1. Visit this page to complete an entry form.
2. Follow Innovation Federal Credit Union on Instagram (@innovationcu) 
3. Like this month’s No Essay Scholarships contest post.
   
4. Leave a comment to answer this month’s contest question.
5. Tag a friend.

Prizes

There are a total of forty-eight (48) $1,000 ($48,000) prizes available to be won at the start on the contest period, with four (4) $1,000 ($4,000) prizes awarded during each monthly contest draw period. The total number of prizes will diminish as prizes are awarded monthly. Funds are not transferable. Innovation Federal Credit Union will not replace any lost or stolen prizes. The funds can be used to help cover the cost of tuition, books, housing, and any other education-related expense. Innovation Federal Credit Union will not be responsible for tracking, managing, or overseeing the use of funds issued to the winner. 

Winner Determination and Verification

A random draw will be conducted amongst all eligible entries received during each monthly contest draw period. The winners will be selected by 5:00 pm (CST) on the next business day (Monday to Friday) after the draw period closes. All random draws will be made as follows:

The winners will be contacted via email within two (2) business days (Monday to Friday) after the monthly contest draw period closes.

In order to be declared a winner, the entrant or parent/guardian where applicable must complete the following within five (5) business days of the initial contact by Innovation Federal Credit Union :

• Verify compliance with the Terms and Conditions.
  
• Respond to the initial email notification.                                 
  
• Provide an official Confirmation of Enrolment letter (valid within 120 days). *
  
• Provide a selfie photo (JPEG file).
  
• Complete a winner release form.
  
• Complete a winner recipient form, which includes answering a skill-testing question.**
  

* A Confirmation of Enrolment letter is an official document issued by the post-secondary educational institution (school), verifying your full-time enrolment status. The Confirmation of Enrolment letter must be valid within 120 days. A Letter of Acceptance, Proof of Paid Tuition, or Transcripts will not be accepted.

**The winner recipient form will be sent using DocuSign, an e-Signature and Digital Transaction Management platform. To complete the winner recipient form, you will be provided with an access code verbally.

Upon verification and confirmation to the satisfactory of Innovation Federal Credit Union, the winners will be posted to Innovation Federal Credit Union’s Facebook, Instagram, and TikTok channels, as well as on this page. In addition, the funds will be disbursed via Interac e-Transfer to the email address provided within the winner recipient form. The entrant will receive a verbal password to accept the e-Transfer if the entrant is not set up with Interac e-Transfer Autodeposit.. The entrant must accept the Interac e-Transfer within thirty (30) days. 

Inability to reach the selected winner using the information provided (notification returned an error as undeliverable) in the entry form; failure to respond to the email notification, failure to verify compliance, to return the release form or the recipient form, to correctly answer the skill-testing question, or provide a valid Confirmation of Enrolment letter or selfie photo all within five (5) business days; or failure to accept the Interac e-Transfer within thirty (30) days may result in disqualification an forfeit of the prize an alternative winner will be randomly selected (this process will be repeated until the prize is awarded).

The winner will be issued a T4 for the current tax year to the email address provided within the winner recipient form. The collection of the winner’s Social Insurance Number (SIN) will be used only for the purpose of issuing a T4A tax slip. It is the sole responsibility of the winner to ensure appropriate declarations for tax purposes if applicable. 

Limitations of Liability 

By participating in this contest, entrants and parent/guardian where applicable agree that Innovation Federal Credit Union and its affiliated and related companies, business partners, advertising and promotional agencies, prize suppliers, Instagram, and each of their respective directions, officers, employees, agents, representatives, successors and assigns and all others associated with the contest (Released Parties) have no liability whatsoever for, and release them from, any loss damage, injury, claim, or cause of actions to persons or property related or resulting from the contest or prize. 

Entrants and parent/guardian where applicable waive any right to claim ambiguity in these Terms and Conditions. The Released Parties are not responsible for the following errors that may occur in the administration of the contest, including information or announcements associated with the contest, winner, or prize, and/or processing of the entries:

• Incomplete or inaccurate information
  
• Technical failures of any kind
  
• Human error
  
• Unauthorized human intervention
  
• Any injury or damage to persons or property associated directly or indirectly with the contest
  
• The receipt or misuse of the prize
  
• Lost, deleted, or destroyed entries 
  

If for any reason an entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted by Innovation Federal Credit Union, the entrant’s sole solution is to submit another entry in the contest, provided that the contest draw period has not expired. 

Publicity

By entering the contest, the winner authorizes Innovation Federal Credit Union to use the student's name and/or social media post or statement regarding the prize without any compensation in announcements connected exclusively to the contest on social media, Innovation Federal Credit Union’s website, and any other media that Innovation Federal Credit Union deems appropriate. 

Privacy

By entering this contest, the entrant agrees to Innovation Federal Credit Union’s collection, use, and retention of their personal information in accordance with Innovation Federal Credit Union’s Privacy Policy.

With an entrant’s expressed consent, Innovation Federal Credit Union may communicate with entrants in connection with the contest by phone, Short Message Service (SMS), and/or send entrants email updates regarding products, community events, and special offers. Entrants can withdraw their consent at any time by contacting Innovation Federal Credit Union at phone number or email address. Entrants also have the ability to unsubscribe in each marketing email. 

Promotion

This contest is in no way sponsored, endorsed, administered, or associated with Facebook, Instagram, Twitter, Snapchat, TikTok, or any other site or medium where information about this contest is promoted.

Governing Law

This contest is governed by the laws of the province of Saskatchewan and the laws of Canada. Each entrant agrees, to the extent permitted by law, that any judicial proceedings relating to any disputes, claims or causes of action arising out of or in connection with the contest shall take place in the province of Saskatchewan pursuant to the laws of that province.

The Innovation Federal Credit Union ("Innovation") No Essay $10,000 Membership Scholarships are sponsored and administered by Innovation, PO Box 1090, Station Main, Swift Current, SK, S9H 3X3. By participating in the contest, each entrant agrees to abide by and be bound by the Terms and Conditions. Entrants further agree to abide by and be bound by all decisions of Innovation which shall be final and binding, without right of appeal, in all matters relating to the Innovation No Essay Scholarships, including eligibility and/or disqualification of entries. 

Promotion Period

The contest promotion period begins August 15, 2023, at 11:00 am (CST) and ends on March 30, 2024, at 11:59 pm (CST). Only entries submitted and received during the promotion period will be accepted. Within the promotion period, there will be a total of two (2) monthly contest draw periods, which are as follows:

Eligibility 

The contest is only open to: (i) students that are enrolled full-time in a degree, diploma, or certificate program at a Canadian post-secondary educational institution (school) regardless of the student’s year of study and (ii) legal residents of Canada (except the province of Quebec) who are 18 years or older at time of entry or have parental/guardian permission. Entrants are required to be an Innovation member. No purchase or payment is necessary to enter or win. Purchases or payments do not increase the odds of winning. The odds of winning depend on the number of eligible entries received before the monthly contest draw period closes. Employees and immediate family members of Innovation and Innovation Wealth are ineligible to enter. This includes spouse or common-law partner, dependent children, dependent children of a dependent child, parents or stepparents, parents or stepparents of the spouse or common-law partner, and guardians.

Conditions of Entry

Entries must be submitted on this page prior to the deadline of the monthly contest draw periods. Entries submitted that do not comply with the Terms and Conditions may be disqualified at the discretion of Innovation. Innovation reserves the right to disqualify any individual who tampers or attempts to tamper with the entry process, the operation of the contest, the contest webpage, violates these Terms and Conditions, or acts with intent to abuse, threaten, or harass any person involved in the contest. Invalid, incomplete, late, or undelivered entries will result in disqualification and are not the responsibility of Innovation. Limit one entry per person. Entrants that attempt to submit more than one entry per promotion period by using multiple email addresses, phone numbers, or identities will also be disqualified. Entrants are required to provide the following information to participate in the contest and to be eligible to win a prize:

• Innovation Membership number
  
• First Name
  
• Last Name
  
• Email 
  
• Mobile Phone Number
  
• Address
  
• City
  
• Province
  
• Postal Code
  
• Instagram Handle
  
• Post-Secondary School You’re Attending
  
• Type of Post-Secondary School
  
• Type of Post-Secondary Program
  
• What post-secondary program are you studying?
  
• Current Year of Program
  
• Registration – I confirm I am registered in post-secondary school full-time
  
• Age – I confirm I am at least 18 years old or have parental permission 
  

Proof of sent entry and/or entry receipt (“thank you for entering” message or screen) is not considered actual proof of entry by Innovation.

Innovation reserves the right to terminate, suspend, or modify the contest, at any time and without notice or obligation if any factor or event arises that could interfere with the proper conduct, administration, or security of the contest as outlined by these Terms and Conditions. 

How to Apply

Each eligible individual who completes the entry requirements to its entirety during the monthly contest draw period will become an entrant. Each entrant is limited to one (1) entry per monthly contest draw period. Non-winning entries will not be carried over to future monthly contest draw periods. An entrant is welcome to enter in multiple monthly contest draw periods but may only win one prize regardless of the promotion period. 

To enter and qualify, the entrant must complete the following steps:

1. Visit this page to complete an entry form.
   
2. Follow Innovation on Instagram (@innovationcu).
   
3. Like this month’s No Essay Scholarships contest post.
   
4. Leave a comment to answer this month’s contest question.
5. Tag a friend.

Prizes

There are a total of two (2) $10,000 ($20,000) prizes available to be won at the start on the contest period, with one (1) $10,000 prize awarded during each contest draw period. Funds are not transferable. Innovation will not replace any lost or stolen prizes. The funds can be used to help cover the cost of tuition, books, housing, and any other education-related expense. Innovation  will not be responsible for tracking, managing, or overseeing the use of funds issued to the winner. 

Winner Determination and Verification

A random draw will be conducted amongst all eligible entries received during each monthly contest draw period. The winners will be selected by 5:00 pm (CST) on the next business day (Monday to Friday) after the draw period closes. All random draws will be made as follows:

The winners will be contacted via email within two (2) business days (Monday to Friday) after the monthly contest draw period closes.

In order to be declared a winner, the entrant must complete the following within five (5) business days of the initial contact by Innovation:

• Verify compliance with the Terms and Conditions.
  
• Respond to the initial email notification.                                 
  
• Provide an official Confirmation of Enrolment letter (valid within 120 days). *
  
• Provide a selfie photo (JPEG file).
  
• Complete a winner release form.
  
• Complete a winner recipient form, which includes answering a skill-testing question. **
  

* A Confirmation of Enrolment letter is an official document issued by the post-secondary educational institution (school), verifying your full-time enrolment status. The Confirmation of Enrolment letter must be valid within 120 days. A Letter of Acceptance, Proof of Paid Tuition, or Transcripts will not be accepted.

** The winner recipient form and winner release form will be sent using DocuSign, an e-signature and Digital Transaction Management platform. To complete the forms, you will be provided with an access code verbally.

Upon verification and confirmation to the satisfactory of Innovation, the winners will be posted to Innovation’s Facebook, Instagram, and TikTok channels, as well as on this page. In addition, the funds will be disbursed via Interac e-Transfer® to the email address provided within the winner recipient form. The entrant will receive a verbal password to accept the Interac e-Transfer® if the entrant is not set up with Interac e-Transfer® Autodeposit. The entrant must accept the Interac e-Transfer® within thirty (30) days. 

Inability to reach the selected winner using the information provided (notification returned an error as undeliverable) in the entry form; failure to respond to the email notification, failure to verify compliance, to return the release form or the recipient form, to correctly answer the skill-testing question, provide a valid Confirmation of Enrolment letter or selfie photo all within five (5) business days; or failure to accept the Interac e-Transfer® within thirty (30) days may result in disqualification an forfeit of the prize an alternative winner will be randomly selected (this process will be repeated until the prize is awarded).

The winner will be issued a T4 for the current tax year to the email address provided within the winner recipient form. The collection of the winner’s Social Insurance Number (SIN) will be used only for the purpose of issuing a T4A tax slip. It is the sole responsibility of the winner to ensure appropriate declarations for tax purposes if applicable. 

Limitations of Liability 

By participating in this contest, entrants agree that Innovation and its affiliated and related companies, business partners, advertising and promotional agencies, prize suppliers, Instagram, and each of their respective directions, officers, employees, agents, representatives, successors and assigns and all others associated with the contest (Released Parties) have no liability whatsoever for, and release them from, any loss damage, injury, claim, or cause of actions to persons or property related or resulting from the contest or prize. 

Entrants waive any right to claim ambiguity in these Terms and Conditions. The Released Parties are not responsible for the following errors that may occur in the administration of the contest, including information or announcements associated with the contest, winner, or prize, and/or processing of the entries:

• Incomplete or inaccurate information
  
• Technical failures of any kind
  
• Human error
  
• Unauthorized human intervention
  
• Any injury or damage to persons or property associated directly or indirectly with the contest
  
• The receipt or misuse of the prize
  
• Lost, deleted, or destroyed entries 
  

If for any reason an entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted by Innovation, the entrant’s sole solution is to submit another entry in the contest, provided that the contest draw period has not expired. 

Publicity

By entering the contest, the winner authorizes Innovation to use their name and/or social media post or statement regarding the prize without any compensation in announcements connected exclusively to the contest on social media, Innovation’s website, and any other media that Innovation deems appropriate. 

Privacy

By entering this contest, the entrant agrees to Innovation’s collection, use, and retention of their personal information in accordance with Innovation’s Privacy Policy.

With an entrant’s expressed consent, Innovation may communicate with entrants in connection with the contest by phone, Short Message Service (SMS), and/or send entrants email updates regarding products, community events, and special offers. Entrants can withdraw their consent at any time by contacting Innovation at phone number or email address. Entrants also have the ability to unsubscribe in each marketing email. 

Promotion

This contest is in no way sponsored, endorsed, administered, or associated with Facebook, Instagram, Twitter, Snapchat, TikTok, or any other site or medium where information about this contest is promoted.

Governing Law

This contest is governed by the laws of the province of Saskatchewan and the laws of Canada. Each entrant agrees, to the extent permitted by law, that any judicial proceedings relating to any disputes, claims or causes of action arising out of or in connection with the contest shall take place in the province of Saskatchewan pursuant to the laws of that province.