Straight Talk on Your Money Giveaway - Terms and Conditions

Terms and Conditions for Straight Talk on Your Money Giveaway

By participating in the Debt Free in 30: Straight Talk on Your Money Giveaway (the “Giveaway” or “Promotion”) you agree to the Terms and Conditions of The Giveaway as listed below (the “Rules”). The Giveaway is sponsored by Hoyes, Michalos & Associates Inc. and (collectively, “Hoyes Michalos”).


1. Eligibility: The Giveaway is open only to those who sign up and who are 18+ as of the date of entry. The Giveaway is only open to legal residents of Canada (excluding Quebec) and is void where prohibited by law. Hoyes Michalos, suppliers and their immediate family members and/or those living in the same household of each are not eligible to participate in the Giveaway.

2. Agreement to Rules: By participating, you agree to be fully unconditionally bound by these Rules, and you represent and warrant that you meet the eligibility requirements set forth herein. In addition, you agree to accept the decisions of Hoyes Michalos, as final and binding as it relates to the Giveaway.

3. Giveaway Period: Entries will be accepted online starting on or about the posted start date and ending on the posted end date. All online entries must be received by the posted end date at 11:59 PM EST (unless otherwise stated).

4. Entry Limit: Maximum three (3) entries per person.

5. How to Enter: The Giveaway must be entered by participating in one of the entrant options listed on the Giveaway. Entries that are not complete or do not adhere to the Rules may be disqualified at the sole discretion of Hoyes Michalos, with or without notice. You may enter as specified on each Giveaway and you must fill in the information requested. You may not enter more times than indicated by using multiple email addresses, identities or devices in an attempt to circumvent the rules. If you use fraudulent methods or otherwise attempt to circumvent the Rules your entry may be deemed ineligible at the sole discretion of Hoyes Michalos.

6. Prizes: Entrants are eligible to win one (1) prize consisting of one (1) copy of Doug Hoyes’ book “Straight Talk on Your Money” with an estimated retail value of between $11Cdn and $23Cdn (actual value may differ at time of prize award and no financial compensation will be made or required if actual prize value is lower than the estimated retail value quoted in these Rules). No cash or other prize substitution permitted. The prize is non-transferable. Any and all prize related expenses, including without limitation any and all federal, provincial, and/or local taxes shall be the sole responsibility of the winner.

Prizes are provided and shipped by Hoyes Michalos within approximately 2 to 4 weeks of prize claim. Hoyes Michalos is not responsible for lost, stolen or otherwise undeliverable prizes.

7. Odds: The odds of winning depend on the number of eligible entries received. Hoyes Michalos is not responsible for any entry that is placed into ‘SPAM’ and/or deleted.

8. Winner selection and notification: Each winner of the Giveaway will be selected in a random drawing from all eligible entries received. The winner will be notified via email to the email address they entered the Giveaway with within two business (2) days following the winner selection. A selected winner may be required to provide proof of identification to Hoyes Michalos when claiming a prize or otherwise in connection with the Giveaway to facilitate the accurate identification of the Giveaway winner. Before being declared a winner and receiving the prize, the eligible winner must complete a Prize Claim Form and correctly answer a mathematical skill-testing question without mechanical or other aid, which will be provided electronically. Hoyes Michalos shall have no liability for a winner’s failure to receive notices due to winner’s spam, junk e-mail or other security settings or for winner’s provision of incorrect or otherwise non-functioning contact information.

If the selected winner (i) cannot be contacted after a minimum of three(3) attempts are made, (ii) is ineligible, (iii) declines the prize or fails to claim the prize within 4 days from the time the prize notification was sent, (iv) fails to correctly answer the skill-testing question, (v) fails to return within 5 days a completed Prize Claim Form and execute a declaration and release as may be required, or vi) the Rules are not adhered to, the selected entrant will be disqualified and required to forfeit any claim to the Giveaway prize and Hoyes Michalos may cancel the Giveaway prize or select another entrant from the remaining eligible entries pursuant to the process described herein.

9. Rights Granted by you: By entering this Giveaway you authorize Hoyes Michalos, where permitted by law, without any further notice, review or consent, to print, publish, broadcast, distribute, and use, your entry, including, without limitation, the entry and winner’s name, statements about the Giveaway, and biographical information to administer the Giveaway without any further compensation and you waive any rights that may exist in respect of materials produced pursuant to the foregoing.

10. Other Terms: Hoyes Michalos reserves the right, in its sole discretion to cancel, terminate, modify or suspend the Giveaway or to amend the Rules at any time and in any way, without prior notice, for any reason whatsoever. Without limiting the foregoing, if for any reason the Giveaway is not capable of running as originally planned, for example as a result of a virus, bugs, non-authorized human intervention, fraud or other causes beyond its control corrupt or affect the administration, security, fairness or proper conduct of the Giveaway, Hoyes Michalos reserves the right to cancel or suspend the Giveaway or randomly select the winner from all eligible entries received prior to and/or after (if appropriate) the action taken by Hoyes Michalos. Hoyes Michalos reserves the right at its sole discretion to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the Giveaway or website or violates these Rules.

Hoyes Michalos has the right, in its sole discretion, to maintain the integrity of the Giveaway, to disqualify entries for any reason, including, but not limited to; multiple entries from the same entrant from different IP addresses; multiple entries from the same computer in excess of that allowed by the Rules; or the use of bots, macros or scripts or other technical means for entering.

Any attempt by an entrant or any other individual to deliberately damage any web site or undermine the legitimate operation of the Giveaway may be a violation of criminal and civil laws and should such an attempt be made, Hoyes Michalos reserves the right to seek damages from any such person to the fullest extent permitted by law, and the right to ban or disqualify an entrant from this Giveaway and any future giveaways.

11. Limitation of Liability: By entering the Giveaway you agree to release and hold harmless Hoyes Michalos, its employees, officers and directors from any liability, illness, injury, death, loss, litigation, claim, action, cause of action, suits, cost or expenses or damage that may occur, directly or indirectly, whether caused by negligence or not, from (i) such entrant’s participation in the Giveaway and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof, (ii) technical failures of any kind, including but not limited to the malfunctioning of any computer, cable, network, hardware or software; (iii) the unavailability or inaccessibility of any transmissions or telephone or Internet service; (iv) unauthorized human intervention in any part of the entry process or the Promotion; and (v) electronic or human error which may occur in the administration of the Promotion or the processing of entries.

12. Laws: This Giveaway will be run in accordance with these Rules, which shall be subject to amendment by Hoyes Michalos without notice or liability to you. Entrants must comply with these Rules and will be deemed to have received and, understood and agreed to be bound by these rules by participating in this Giveaway. The Rules are not subject to amendment or counter-offer, except as set out herein. This Giveaway is subject to all applicable federal, provincial and municipal laws and regulations. These Rules are governed exclusively by the laws having application in the province of Ontario and you submit to the exclusive jurisdiction of the courts of Ontario. If any provision of these Rules is found by any court of competent jurisdiction to be unenforceable, all other provisions will remain in full force and effect.

13. Privacy: By entering this Giveaway, each entrant consents to the collection, use and disclosure of his/her personal information for the purposes of administering this Giveaway and as otherwise set out in these Rules. Personal information submitted with an entry is subject to the Privacy Policy stated on the Hoyes Michalos Website. Read the Privacy Policy.

By entering the Giveaway you may be given the option to receive email newsletters and other commercial emails periodically from Hoyes Michalos and if consent is given, you will be added to Hoyes Michalos’ e-mail database; however, eligibility to participate in the Giveaway is not dependent upon an entrant’s consent to receive any such emails and communications, and consenting to receiving such emails and communications will not impact an entrant’s chances of winning. You can opt-out of receiving these communications at any time by clicking the unsubscribe link in the newsletter or communication you receive.

14. Winners: The selected winner(s) will be announced on a separate Giveaway Winner post.

NOTE: Entrants who do not abide by these Rules will be disqualified with or without notice and banned from future entries in other Giveaways.

Should you have any questions contact us online.

This promotion is in no way sponsored, endorsed or administered by, or associated with, Instagram or Facebook.

Get A Personalized Debt Free Plan

Find an Office Near You

Offices throughout Toronto and Ontario