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Your Credit Union RESP Contribution Contest – Official Rules and Regulations

1. Contest Organizer

The contest is organized by Your Credit Union (YCU), a registered credit union operating in Ontario, Canada.

 

2. Eligibility

This contest is open to all legal residents of Ontario who have reached the age of majority in their province of residence at the time of entry.

To qualify for a prize, the entrant must be:

  • An existing member of YCU or
  • A new member who joins YCU and opens an RESP account at YCU or Aviso Wealth (no additional cost to join).

Employees, directors, and officers of YCU and their immediate families are not eligible.

 

3. Contest Period

The contest runs from September 1, 2025, at 12:00 AM ET to February 28, 2026, at 11:59 PM ET.

The Early Bird Prize entry period runs from September 1, 2025, to December 18, 2025, at 11:59 PM ET.

 

4. How to Enter

Entrants will automatically receive one (1) contest entry for any of the following actions completed during the contest period:

  • Open a new Registered Education Savings Plan (RESP) with YCU or Aviso Wealth and set up a minimum monthly recurring deposit of $25 or more.
  • Add a new recurring monthly deposit of $25 or more to an existing RESP with YCU or Aviso Wealth.
  • Transfer an existing RESP from another financial institution to YCU or Aviso Wealth and maintain a recurring monthly deposit of at least $25.

No purchase is required to enter beyond fulfilling one of the above qualifying actions.

 

5. Prizes

YCU will award the following RESP contributions:

  • Grand Prize: One (1) contribution of $2,000 to the winner's RESP account.
  • Early Bird Prize: One (1) contribution of $500 to the winner's RESP account.

Each winner must have an active RESP account with YCU or Aviso Wealth at the time of the draw.

 

6. Winner Selection and Notification

  • The Early Bird Prize draw will occur on or about December 20, 2025.
  • The Grand Prize draw will occur on or about March 5, 2026.

Winners will be selected via random draw from all eligible entries received by the applicable deadline. Odds of winning depend on the number of eligible entries received.

Winners will be contacted by phone or email within five (5) business days of the draw. If a winner cannot be reached within ten (10) business days, or does not meet eligibility requirements, an alternate winner may be selected.

Winners must correctly answer a time-limited mathematical skill-testing question to claim the prize, as per Canadian contest law.

 

7. General Terms

  • Prizes are not transferable, substitutable, or redeemable for cash.
  • YCU reserves the right to verify eligibility and disqualify any entrant who tampers with or abuses the entry process or violates these rules.
  • By entering, entrants consent to the use of their name and photograph for promotional purposes without additional compensation (unless prohibited by law).
  • YCU is not responsible for lost, late, or misdirected entries or technical failures that may affect entry.

 

8. Privacy

Personal information collected in connection with the contest will be used solely for contest administration and in accordance with YCU’s Privacy Policy.

 

9. Sponsor

Your Credit Union, Ontario, Canada
www.yourcu.com

10. Dealer Disclaimer

Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.