Contiki x Koho Partnership  
Short Rules 

No purchase required. Contest begins on August 9th, 2023, at 12:00am EST and ends on August 13th, 2023 at 11:59pm EST. There is one prize available to be won: $500 CAD travel credit toward any Contiki Holiday vacation 7 days or longer (ARV: $500 CAD);  Skill-testing question required. Open to legal residents of Canada, excluding Quebec, who are age of majority in the province or territory of residence at time of entry. Odds of winning depend on number of eligible entries received before contest closes. Limit one entry per person. Full rules and entry details available at: [www.contiki.com/en-ca/activity/koho]. 

KOHO REFERRAL CONTEST OFFICIAL RULES 

1. Sponsor. The Referral Contest (“Contest”) is sponsored by Koho Financial Inc. (“Sponsor”). 
   
   
2. Contest Dates and Times. The Contest begins on August 9th, 2023, at 12:00am EST and ends on August 13th, 2023 at 11:59pm EST (“Contest Period”) after which no further entries will be accepted.
   
   
3. Eligibility. The Contest is open to legal residents of Canada (excluding residents of Quebec) who have reached the age of majority in their province or territory of residence and are not a KOHO User (i.e., You have not previously signed up for an account on koho.ca or as a user of the KOHO Financial mobile application (the “KOHO App”) except for the following parties (“Contest Parties”): employees, representatives, mandataries, or agents (and those living in the same household) of the Sponsor, its subsidiaries, affiliates, prize suppliers, advertising/promotion agencies and any other entity involved in the development, production, administration, or fulfillment of the Contest. By participating in the Contest, you agree to comply with and be bound by these Rules. Failure to comply with any of the Rules may result in disqualification. The Sponsor’s decisions regarding any aspect of the Contest, including without limitation the eligibility of Entries, are final and binding on all entrants in all matters related to the Contest. 
   
   
4. How to Enter. NO PURCHASE NECESSARY. To enter the Contest, sign up for an account on koho.ca or on the KOHO App using the referral code TRAVEL50. You will receive one contest entry upon becoming a KOHO User during the Contest Period (an “Entry”). To be entered into the contest, you must successfully become a KOHO User by 11:59pm EST on August 13th, 2023. Entries are limited to one per person.Any attempt or suspected attempt to use robotic, automatic, programmed or otherwise illicit means to enter the Contest, or any other methods not authorized by these Rules, for example, but not limited to, creating multiple accounts, identities, or registrations, all in the Sponsor’s sole discretion, shall be deemed as tampering and may disqualify you from entering, participating and/or winning a prize.
   
5. Prize. Total of 1 prize to be won of a $500 CAD Contiki travel credit to be used toward any Contiki Holidays vacations 7 days or longer (the “Prize”). Limit of one prize per person. Prize must be accepted as awarded. The winner assumes 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 the prize. The Prize is not transferable or assignable, or redeemable for cash or any other consideration, and no substitutions will be allowed. The winner is responsible for the payment of all applicable taxes. The vacation must be booked directly with Contiki Holidays at least forty-five (45) days in advance of the travel date. Prize must be redeemed in accordance with Contiki Holidays policies with travel completed and be done by December 31, 2024. Trip and travel expenses and insurance are not included. Winner must possess valid travel documents (i.e., valid photo ID, passport, visa, etc.) in order to travel. Winner must get any required inoculations and/or required medical forms completed to clear them for travel (medical forms provided by Prize provider prior to travel, if necessary). All expenses not specifically and expressly provided herein are the responsibility of the winner, including, without limitation, airfare, taxes, and incidental charges. 
   
   
6. Winner Selection and Confirmation. On August 14th at 12:00pm EST, Sponsor will conduct a random draw from all eligible Entries received during the Contest Period and select the potential winner (“Selected Entrant”). A Selected Entrant will be deemed the winner if they meet all of the eligibility criteria set out in these Contest Rules. If a Selected Entrant does not meet the eligibility criteria, this person 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, a Selected Entrant will be required to: (i) correctly answer without assistance, the Sponsor’s time-limited mathematical skill-testing question to be administered via the Winner Release, or during a pre-arranged telephone call, email or other communication; (ii) sign and return the Sponsor’s Declaration of Eligibility and Liability/Publicity Release form (“Winner Release”); and (iii) comply with all other Rules. 
   Odds of Winning. The odds of winning a prize will depend on the number of eligible Entries received during the Contest Period. One entry per person. 
    
7. Notification. The Sponsor will notify a Selected Entrant within 2 business days of the draw and will be contacted by direct message to their KOHO account in the KOHO mobile application and/or via email (as determined by the Sponsor in its sole and absolute discretion). Up to three attempts will be made to contact a Selected Entrant within 5 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 the Sponsor’s sole discretion. Each Selected Entrant is solely responsible for monitoring their KOHO account for such notification message(s). A signed copy of the Winner Release must be received by the Sponsor no later than two business days after being notified. Sponsor is not responsible for the failure for any reason whatsoever of a Selected Entrant to receive notification or for the Sponsor to receive a Selected Entrant’s response. Proof of identification must be provided upon request. Instructions on how to claim and redeem the Prize will be delivered via email to the winner’s provided email address. 
   
   
8. Winner Release. In order to be declared a winner and awarded a prize, the Selected Entrant must sign the Winner Release to: (i) confirm compliance with all Rules; (ii) agree to accept prizes as awarded; (iii) authorize the Sponsor to publish and otherwise use their name, city/town/village and province/territory of residence, photograph, voice and any other likeness, in connection with any promotion, publicity, or for general news, entertainment or information purposes without additional compensation to the potential winner; and (iv) release the Contest Parties and each of their respective officers, directors, employees, agents, representatives, successors and assigns (collectively, the “Released Parties”) from any and all liability in connection with this Contest, their participation therein or the awarding and use or misuse of the Prize. 
   
   
9. Limitation of Liability. The Sponsor is not responsible for: (i) 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 the 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 in connection with the attempted or actual use or redemption of the prize; (vi) the security or privacy of information transmitted via computer networks or for privacy breaches due to interference by third-party computer hackers or otherwise; or (vii) late, lost, misdirected or unsuccessful efforts to notify a potential winner. 
   
   
10. The official winner’s name may be obtained by emailing the Sponsor at support@koho.ca Attention: Marketing, on or after August 14th, 2023. 
    
    
11. The Contest is void where prohibited by law and is subject to all applicable Canadian federal, provincial, territorial, and municipal laws. This Contest shall be governed exclusively by the laws of Ontario, without giving effect to any choice of law or conflict of law rules. Any dispute shall be adjudicated by the courts sitting in Toronto, Ontario. 
    
    
12. Rule Amendments. The Sponsor reserves the right, to amend or modify these Rules, or modify, cancel or suspend the Contest, without prior notice for any reason whatsoever, including without limitation if any cause beyond the reasonable control of the Sponsor corrupts, or threatens to corrupt, the security or proper administration of the Contest. 
    
    
13. Privacy. By entering the Contest, you consent to the Sponsor storing, sharing and using the personal information submitted with your Entry for the purpose of administering the Contest and in accordance with Sponsor’s privacy policy. 
    
    
14. Conflict. In the event of any discrepancy or inconsistency between the terms and conditions of these Rules and disclosures or other statements contained in any Contest related materials, including but not limited to point of sale, television, print or online advertising, the terms and conditions of the Rules shall prevail, govern and control. 
    
    
15. Intellectual Property. All intellectual property, including but not limited to trade-marks, trade-names, logos, designs, promotional materials, web pages, source codes, drawings, illustrations, slogans and representations are owned by the Sponsor. All rights are reserved. Unauthorized use of any intellectual property without the express written consent of the Sponsor is prohibited.