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The 2025 Invest in Your Future Offer (the “Offer”) is offered by Educators Financial Group Inc. (“Educators” or “Educators Financial Group”) and is subject to these terms and conditions (“Terms”). By participating in the Offer, you agree to be bound by these Terms.
The Offer starts on January 1, 2025 and ends on February 28, 2025 at 11:59 p.m., Eastern Standard Time (the “Offer Period”).
The Offer is available only to new Educators clients who (1) are either a teaching or non-teaching educational worker in a province in Canada, which includes staff of a board of education, a university, a college, a private educational facility, an education consortium or affiliate (including the Ontario Secondary School Teachers’ Federation and other education unions), or their family members, (2) are a resident of Ontario, (3) have reached the age of majority in their province of residence by January 1, 2025 and (4) are not an employee, representative or agent of, or domiciled with an employee, representative or agent of, Educators, its affiliates, marketing and advertising agencies, or suppliers. This offer cannot be combined with any other offers.
Existing Educators clients are not eligible for this Offer. An “Existing Client” includes any individual or business who has more than $1 of investable assets in an Educators account prior to the Offer Period.
Previous Educators clients are not eligible for the Program. Previous Educators clients include any individual or business who has had more than $1 of investable assets in an Educators account within the last year (2024).
(the “Client”)
To participate in the Offer, eligible Clients must be one (1) of the first one hundred (100) participants to successfully meet the requirements set out below:
A “new RRSP” is a new personal or spousal Educators Financial Group Registered Retirement Savings Plan opened by an eligible individual during the Offer Period where such eligible individual has not had a personal and/or spousal Educators Financial Group Retirement Savings Plan prior to the start of the Offer Period, or otherwise already opened an Educators Financial Group Retirement Savings Plan during the Offer Period.
A “new TFSA” is a new Educators Financial Group Tax-Free Savings Account opened by an eligible individual during the Offer Period where such eligible individual has not had an Educators Financial Group Tax-Free Savings Account prior to the start of the Offer Period, or otherwise already opened an Educators Financial Group Tax Free Savings Account during the Offer Period.
A “new FHSA” is a new Educators Financial Group First Home Savings Account opened by an eligible individual during the Offer Period where such eligible individual has not had an Educators Financial Group First Home Savings Account prior to the start of the Offer Period, or otherwise already opened an Educators Financial Group First Home Savings Account during the Offer Period.
A “new Non-registered Account” is a new Educators Financial Group Non-registered Investment Account opened by an eligible individual during the Offer Period where such eligible individual has not had an Educators Financial Group Non-registered Investment Account prior to the start of the Offer Period, or otherwise already opened an Educators Financial Group Non-registered Investment Account during the Offer Period.
There are a maximum of one hundred (100) Awards available.
The Award will be issued on a first-come, first-serve basis. Eligible Clients will receive a $100 contribution (the “Award”) to your Qualifying Plan. Maximum one (1) Award per Client.
There is a limit of one (1) Award per eligible individual regardless of the number of eligible Qualifying Plans.
An individual is eligible to receive the Award under this Offer in either the new RRSP, new TFSA, new FHSA, or new Non-registered Account and cannot receive the Award for all. If an individual becomes eligible for this Offer by opening more than one Qualifying Plan, the single Award will be paid into the New RRSP as set out below unless specific instructions are provided at the time of Qualifying Plan opening.
The Award does not apply to any type of Locked-in RRSP, including Locked-in Retirement Account (LIRA), Registered Education Savings Plan (RESP), Retirement Income Fund (RIF), or locked-in types of RIF.
The Award will be contributed directly into the Qualifying Plan, as applicable, by March 14, 2025 and Educators confirming your eligibility for the Award, and is not considered to be a contribution and is not tax deductible.
For cash deposits, the Award will be invested proportionally to how the contribution is invested or according to client provided instructions.
For an in-kind transfer, the Award will be invested into the Educators Financial Group Money Market Fund unless the client provides other instructions at the time of Qualifying Plan opening.
This Offer may be changed, extended, or withdrawn at any time and without notice. Offer cannot be used in conjunction with or combined with any other offer.
All currency referenced in these Terms is in Canadian dollars.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts and prospectus, which contain detailed investment information, before investing. Mutual funds are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer and are not guaranteed or insured. Their values change frequently. There can be no assurances that a money market fund will be able to maintain its net asset value per unit at a constant amount or that the full amount of your investment will be returned to you. Past performance may not be repeated.
®/™ Trademarks of Educators Financial Group Inc.