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GarbageDay Terms & Conditions

Effective October 24, 2024

1. Reading, Agreeing and Keeping a Copy. These terms are legally binding.

In these terms and conditions (Terms), we, us and our means RBC Ventures Inc., a direct wholly-owned subsidiary of RBC and you and your means the person who uses a Device to access the Services through the website (GD). These Terms govern your access and use of GD and the Services.

Read and check the box to agree. You must read and agree to these Terms, which are a legally binding contract between you and us, before you can use GD and access the Services.

By checking the box on-screen, you confirm (i) that you are the age of majority in the place where you live and (ii) that you have read and agree to these Terms. These Terms take effect on the date that you check the box on-screen. You cannot use GD or access the Services unless you have read and agreed to these Terms.

Keep a copy of the Terms. You can print or save these Terms using the print or save function in your browser or view them in the Website. We will provide a link to these Terms at the email address you provided when signing up for the Services.

No changes to other agreements. Unless expressly provided otherwise herein, these Terms do not replace any other agreement you may have with us or any RBC companies (now or in the future), including any consent or preference regarding the collection, use and disclosure of your personal information. All of the terms of your other agreements with us or any other RBC companies continue to apply.

Please see the definitions section at the end of these Terms for any other capitalized words not otherwise defined.

2. Services. What is the Service and how does it work?

Under these Terms, the Services means the features, functionality, content and information provided by us via GD and include any services that may be provided by Service Providers and Third Parties.  There may be times when at least some of the Services are not available.

The Services currently available through GD include:

  • Waste Collection and Expanded Household Reminder Service – You can select from a menu of reminders that we will send to you by email. At your option, we’ll send you push notifications or email reminders for things such as whether your house will get garbage or recycling collected each week along with any other special or seasonal waste collection reminders; household maintenance and home finance; street parking (where applicable); and other special and seasonal reminders. We may add or remove reminders from the Reminder Service from time to time. You will have the option at any time to opt out of receiving any one or more reminders from us.
  • Home Maintenance and Blog Content – We’ll display informative home maintenance tips and blog content.
  • Offers – We will from time to time include Offers in the reminders you receive from us.

The Services are currently available in English only, despite any language settings on your Device.

The Services may change over time. We may give you notice of changes as described in the “Changes” section.

3. Costs, Fees and Related Charges. Do I have to pay service fees?

There are no fees to access GD or the Services. In the future we may start to charge fees as GD or the Services develop.

You are responsible for all costs, fees, data plans and related charges associated with your use of any Devices, and they are not reimbursable by us.

4. Privacy. Information we collect and how we use it.

Collecting information about you

We will collect information about you, such as:

  1. Personal information like your name, home address, email address and phone number.
  2. Information for providing the Services.

We can collect this information from you, from sources that you give us, or from any other sources.

Using information about you

We can use the information that we collect about you for the following purposes:

  1. to create your profile and provide you with the Services;
  2. to determine if you are eligible for products and Services;
  3. To promote products and services (from us or third parties) that you may be interested in;
  4. to help us better understand the needs of our users;
  5. to help us better manage and improve our business, our technology and your relationship with us; and
  6. as required or permitted by law.

Sharing information about you

We can share the information about you, for these purposes, with our Service Providers. These Service Providers must keep the information confidential. If a Service Provider is located outside Canada, the laws of that jurisdiction will apply to the Service Provider and to the information, and the information may be disclosed according to those laws.

We can also share information about you with our subsidiaries and affiliates for the following purposes:

  1. to manage our risks and operations and those of our subsidiaries and affiliates;
  2. to comply with valid requests for information about you from regulators or other entities who have a right to issue such requests; and
  3. to let our subsidiaries and affiliates know your choices under optional uses, for the sole purpose of honouring your choices.

Optional uses of your information

We can use information that we collect about you in the following ways, unless you opt out:

  1. To share with our subsidiaries and affiliates for the purpose of referring you to them or promoting products and services that you may be interested in. Our subsidiaries and affiliates can advise us of the products or services they provide to you.
  2. To consolidate the information that we have about you with any information that our subsidiaries and affiliates may have about you, so that we can all more effectively manage our relationships with you.

You can opt out of these optional uses by contacting us as set out in the Communications and Notices section. We will respect your choices.

Your right to access information about you

You can obtain any personal information that we have about you at any time (subject to applicable laws) and have it amended as appropriate. You can do so by contacting us as set out in the Communications and Notices section.

You may obtain more information about our enterprise privacy policies by visiting www.rbc.com/privacysecurity.

Using non-personal information

We may create informational reports containing statistics, rules and data insights, as well as analysis and predictive models, based on information about you and other customers. The reports contain aggregated and de-identified information, not personal information, and cannot be used to identify you. These reports may be shared with third parties.

5. Communication. How will we contact each other?

You can contact us at care@garbageday.com. We will contact you and provide notices using information you provide through GD. Except as provided below in the “Notices and Changes” section of these Terms, email is our primary method of communication. When we use email, we will send you electronic correspondence, including notifications, to the email address you provide to us through GD. It is your responsibility to keep your email address up to date. You understand that if you do not keep your email address up to date, we may not be able to complete the signup process or otherwise contact you.

6. Termination. How can you or we end these Terms?

Termination by us – Without prior notice and for any reason, we can (i) suspend or terminate your use of GD and access to the Services, and (ii) terminate part or all of these Terms or the Services. We are not responsible for any loss or inconvenience that may result in such

suspension or termination.

Termination by you – To delete your profile and terminate your use of GD and access to the Services and these Terms, you can contact us using the contact information provided in the “Communication” section of these Terms.

The provisions under the Ownership and Liabilities & Indemnities sections will survive any termination of these terms.

7. Notice and Changes. How will we tell you about any changes?

Notice – Any notice may be given to you through GD or pursuant to the “Communication” section of these Terms.

Changes – We can change (add, remove or alter) any part or feature of the Services, without giving you notice. Following any such change, these Terms will continue to apply to all or parts of the Services. Subject to legal and regulatory requirements, we can also change these Terms by giving you notice of the change to the email address you provided when signing up for the Services, either before or after the changes take effect. When giving you such notice we will also provide you with a copy of or a link to the updated Terms. If you use GD or access the Services after we have notified you of a change, you are deemed to have reviewed and accepted the new version of these Terms.

8. Security. You are responsible for the security of your information.

You will be required to provide your email address to access the Services. You authorize us to accept and you agree to be responsible for any instruction given by you or purported to be given by you using GD. Any instruction will have the same legal effect as if it was a written instruction and signed by you.

You are responsible for keeping your sign-in credentials secure and confidential. We will not be responsible for any losses that you may experience if others use your sign-in credentials or if you lose them.

When using GD, it is important that you:

  1. Do not reveal any confidential information to anyone other than us and do not allow other people to see your device screen when viewing confidential information.
  2. Do not leave your device unattended while using GD.
  3. Take reasonable precautions to prevent losing your device or having it stolen.
  4. Do not let other people use their fingerprints or other biometric tools to access your device.
  5. Use reasonable security measures to keep your device safe, such as up-to-date virus scanning software and firewall systems, if those measures are available for your device.

We may impose additional security requirements in connection with the services, and you must comply with those as well.  

9. Service Providers and Third Parties. Other entities help us provide the Services or offer Third Party Services.

We may use Service Providers and Third Parties to provide or to assist us in providing the Services or Third Party Services, and other than RBC companies, we do not sponsor or endorse any Third Party and we are not affiliated or associated with any Service Provider or Third Party.

When using GD and accessing the Services,

  • You may use Service Provider Services solely for your own personal use;
  • You may not sell, distribute or otherwise use Service Provider Services or other information from GD or the Services, and you may not permit such distribution or use by anyone else; and
  • You may not provide or make available any Service Provider Services to any provider of products or services similar to those products and services provided by the Service Providers.

You understand and agree that (i) your use of any Third Party Services is at your sole risk and may be subject to the terms and privacy policy of the Third Party and (ii) Third Party Services are provided “as-is” and “as available”, and that we expressly disclaim all warranties (express and implied) in connection with any Third Party Services and all information, products and other content included in or accessible from any Third Party Services, including, without limitation, any warranties regarding accuracy, completeness, merchantability or fitness for a particular purpose.

Service Providers retain all ownership rights, including all intellectual property rights, in Service Provider Services and to their trademarks and logos that appear on GD and in the Services. Nothing in these Terms, GD or the Services should be interpreted as conferring any right for you: (i) to use Service Provider Services in any way other than as expressly permitted in these Terms; or (ii) to use any Service Provider trademarks or logos.

You agree that we, Third Parties and Service Providers may use information and content you provide through GD and the Services to create use and distribute statistical, profiling, performance or operational reports about GD and the Services. These reports may be shared with Third Parties, in which case, the information in the reports will not be attributable to you.

10. Referral Fees. We may receive fees when we refer you to Third Parties.

A Third Party may pay us, or we may receive from a Third Party, directly or indirectly, a referral fee when we refer you to the Third Party and you elect to purchase or obtain products or services from the Third Party. The amount of any referral fee paid or received for referrals will not affect the fees paid or payable, if any, by you to us or to the Third Party.

11. Compliance and Prohibitions. Appropriate use of GD.

Your use of GD and access to the Services must comply with these Terms and all applicable laws.

When using GD and accessing the Services, you will not:

  • Provide untrue, inaccurate or incomplete information;
  • Use GD or access the Services for any illegal, fraudulent, malicious, harassing or defamatory activity or purpose;
  • Use any robot, spider or other indexing device when using GD or accessing the Services;
  • Use any part of the Services to provide internet, service bureau, outsourcing or third-party services or redistribute all or any part of the Services;
  • Take steps or actions that could or do undermine the security, integrity, effectiveness, goodwill or connectivity of GD or the Services (including illegal, fraudulent, malicious, defamatory or other activities that threaten to harm or cause harm to any other person); or
  • Reverse engineer or reverse compile the source code for GD or any of the service technology.
12. Ownership. You can use it, but you can’t keep it.

We grant you a non-exclusive and non-transferable single-user (non-concurrent) license to use GD, in accordance with these Terms. At any time, and at our sole discretion, we may limit, restrict, suspend, declare a moratorium on, or terminate your ability to access GD, or any of the Services, or both; and with notice to you, we may end the terms relating to GD, including the Services. If these Terms are terminated, you will destroy all copies of GD and all copies of any documentation for GD then in your possession. The grant of this license may not be assigned by you unless agreed upon in writing by us.

We retain at all times all ownership rights, including without limitation, copyright, in GD. You agree not to copy, reproduce, transfer copies or reverse engineer GD and not to disclose or distribute GD to Third Parties. We have no obligation to provide any training, maintenance, or other assistance for GD.

RBC or RBC Ventures Inc. are the owners, or licensees, of all intellectual property rights subsisting on each screen made available through GD. Unless otherwise indicated, trademarks and logos, and all works, including texts, images, illustrations, software, HTML codes, audio clips and videos appearing on the Services are the property of RBC or RBC Ventures Inc., or those of our licensors, and without our express written permission, may not be reproduced, republished, downloaded, posted, transmitted, distributed or modified, in whole or in part, in any form whatsoever, except for personal and non-commercial use, including viewing, printing or archiving of electronic copies of your GD activities, in accordance with these Terms and as we may further instruct you. Nothing in these Terms or on GD is to be interpreted as conferring a right to use our works, trademarks or logos in any other way, or those of any RBC companies or Service Providers.

13. Voluntary Participation. Your decision to use GD is yours and yours alone.

Your use of a Device to access certain of the Services is voluntary.

14. No Representations or Warranties. GD and the Services are provided “as is”.

We are providing you with GD and the Services on an “as is” and “as available” basis and we do not make any representations or provide any warranties concerning them. Without limiting the foregoing, we expressly disclaim all warranties in connection with GD and in connection with the Services, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

15. Liabilities and Indemnities. Read this carefully—it limits your right to sue us.

You are solely responsible for all information or content that you give us through GD, the Services and the Third Party Services.

We and RBC companies will not be responsible for any loss, damage, harm, injury, delay or inconvenience suffered or incurred by you with respect to: (i) these Terms, GD, the Services or the Third Party Services, (ii) any instruction given to, by or purported to be given by you, using Sign-In Credentials, in connection with the Services or Third Party Services, or (iii) any products or services you obtain or purchase from us or from a Third Party to whom we refer you, or otherwise. Such losses, damages, injuries, delays and inconveniences include, without limitation, (i) direct, incidental, indirect, consequential, special, aggravated, punitive or exemplary damages, (ii) loss of data, profits, information, opportunity, revenues and goodwill, and (iii) any other business interruption, commercial or economic losses. The foregoing limitation of liability applies regardless of the cause of action, even if we or a RBC company have been advised of the possibility of such damages.

In addition, in no event, even if we are negligent or any RBC company is negligent, will we or any RBC company be liable for any loss or damage suffered by you that is caused by any one or more of:

  • The actions of, or any failure to act by a Third Party or Service Provider (and no such Third Party will be considered to be acting as our agent);
  • Mistakes, errors, omissions, inaccuracies or other inadequacies of, or contained in the Services or Third Party Services or any data given by you to us, any RBC company or any Third Party or Service Provider, including your failure to update;
  • Any delay, error, interruption or failure by us, any RBC company or any Third Party or Service Provider to perform or fulfill any of our obligations to you due to any cause beyond our control or their control, any system malfunctions or any technical failures;
  • Unsecured communication being inaccurate, intercepted, reviewed or altered by others, or not received by you;
  • Your access to the Services or Third Party Services, including, without limitation, any delay or inability to access the Services or Third Party Services;
  • Your failure to receive or view any communication that has been presented to you, and we will not be responsible, and no such RBC company will be responsible, for any delay, damage or inconvenience that such failure may cause; or
  • Your failure to fulfill any of your obligations under these Terms, including those in the “Security” section of these Terms, or to comply with any instructions we may provide to you from time to time in connection with GD and the Services.

You release and indemnify us for any claim, cost and liability incurred: (i) as a result of your use of GD any of the Services and Third Party Services; or (ii) as a result of your breach of these Terms.

16. On-Screen Terms. Terms shown on-screen form part of these Terms.

There may be terms, conditions, instructions or disclaimers related to the Services, Third Party Services, or Offers displayed on the screens in GD, or when you click on icons or links on GD screens. By using any of the Services or any Offers, you must access and agree that the terms, conditions, instructions or disclaimers apply to your use of or access to the applicable Services.

17. Records, Enforceability & Assignment

The records (electronic or otherwise) that we keep with respect to GD are final and conclusive. They will be admissible in any legal or administrative proceedings. Electronic records will be admissible in the same manner as original paper documents. You waive any right to object to the introduction of any such electronic records into evidence.

You agree to these terms in electronic form and these terms are binding between you and us. You will not contest that these terms are not valid or enforceable because you accepted these terms electronically.

If any provision of these terms is found to be invalid or unenforceable, the other provisions will remain valid and enforceable. If we fail to enforce the performance of any provision it does not mean that we have waived the provision or any right.

We can assign or transfer these terms, including the rights and obligations under these terms, to another person on notice to you.

You cannot assign or transfer these terms, or any of the rights or obligations set out in these terms, to any other person.

18. Language. We will talk to each other in English.

GD and the services are provided in certain areas of Ontario, British Columbia, Manitoba, Alberta, and they are only available in English.

You and we have expressly requested that these Terms and all related documents, including notices, be drawn up in the English language. Vous et nous avons expressément demandé que cette entente et tout document y afférent, y compris tout avis, soient rédigés en langue anglaise. (Quebec only / Québec seulement).

19. Governing Law. What law applies?

These Terms are entered into and governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. You and we agree that the Ontario courts shall have exclusive jurisdiction over each of us for the determination of any matters arising out of these Terms.

20. Defined Terms. What does everything mean?

Device means any mobile device, computer or other device you use to access GD and the Services.

Offers means any offers, rate discounts or promotions of a Third Party presented by us as part of the Services.

RBC means Royal Bank of Canada.

RBC companies or RBC company means RBC, its direct and indirect subsidiaries and their successors and assigns. While we are a RBC company, in these Terms, a reference to RBC companies or RBC company will not include us.

Services means the Services as defined by the “Services” section of these Terms.

Service Provider means a party retained by us to act on our behalf to provide, or to assist us in providing, GD and the Services.

Service Provider Services means content and information contained in the Services provided by any Service Provider.

Terms means these terms and conditions.

Third Party means any party other than you, us or a party when acting as a Service Provider.

Third Party Services means any products or services provided by a Third Party that can be used or accessed on or through GD or a Third Party that we refer you to for other products and services.

GarbageDay Contest Terms & Conditions

Updated February 9th 2026

CONTEST PERIOD:

The Never Miss a Pickup Contest (the “Contest”) begins on February 11, 2026 at 12:00 AM Eastern Time and ends on February 18, 2026 at 11:59 PM Eastern Time (the “Contest Period”).

AGREEMENT TO BE LEGALLY BOUND BY THESE RULES:

By participating in this Contest, you are signifying your agreement that you have read and agree to be legally bound by these Official Contest Rules (the “Rules”).

ELIGIBILITY:

The Contest is only open to residents of Canada who have reached the legal age of majority in their province/territory of residence at the time of entry except representatives or agents (and those with whom such persons are living, whether related or not) of Royal Bank of Canada (the “Sponsor”), its parent companies, subsidiaries, affiliates, prize suppliers, advertising/promotion agencies and any other individual or entity involved in the development, production, administration, or fulfillment of the Contest (collectively, the “Contest Parties”).

SOCIAL PLATFORMS NOT INVOLVED:

The Contest is in no way sponsored, endorsed or administered by, or associated with Instagram the (“Social Platform”). The Social Platform is hereby completely released of all liability by each entrant in this Contest. Any questions, comments or complaints regarding the Contest must be directed to the Sponsor and not to the Social Platform. You may only use one (1) Social Platform account (each, an “Account” and collectively, the “Accounts”) to participate in this Contest. You are solely responsible for ensuring your Account settings are set to be able to receive notification messages, monitoring your Account for such notification messages and following all instructions contained in such notification messages that may be received from the Sponsor regarding your participation in the Contest.

HOW TO ENTER

No purchase necessary. You may earn an entry in the Contest (each, an “Entry”) as follows:

Instagram:

To enter via Instagram, you must log-in to your Instagram Account and visit the Sponsor’s Instagram Account at @garbagedayco (the “Sponsor’s Account”). Next, locate the Contest post (the “Contest Post”) that has been posted on the Sponsor’s Account by or on behalf of the Sponsor. After locating the Contest Post, provide a comment on the Contest Post that: (i) tags another Instagram account (i.e. a friend). In addition, you must become a “follower” of the official @garbagedayco account on Instagram (note: you can un-follow at any time after the Contest ends without impacting your chances of winning). When all required steps of the entry process are complete, you will automatically be eligible to earn one (1) Entry in the Contest.

To be eligible, all content and materials associated with your Entry (collectively, the “Entry Materials”) must: (i) be submitted and received in accordance with these Rules during the Contest Period; (ii) include all required components and materials noted above; (iii) be in accordance with these Rules, including, but not limited to, the specific Participation Requirements listed below; and (iv) be in accordance with the terms, rules, policies and guidelines of the Social Platform (the “Social Platform Rules”) (all as determined by Sponsor in its sole and absolute discretion). Standard data rates apply to participants who choose to participate in the Contest via a mobile device. To be eligible, your Entry must be submitted and received in accordance with these Rules during the Contest Period.

ENTRY LIMIT:

There is a limit of one (1) entry per person. If it is discovered by the Sponsor (using any evidence or other information made available to or otherwise discovered by the Sponsor) that any person has attempted to: (i) exceed any of the limits stated in these Rules; and/or (ii) use multiple Accounts, names, identities, email addresses and/or any automated, macro, script, robotic or other system(s) or program(s) to enter or otherwise participate in or to disrupt this Contest; then they may be disqualified from the Contest in the sole and absolute discretion of the Sponsor. An Entry may be rejected if (in the sole and absolute discretion of the Sponsor): (i) the Entry (including, but not limited to, any associated Entry Materials) is not submitted and received in accordance with these Rules during the Contest Period; and/or (ii) the Entry Materials accompanying the Entry are not in compliance with these Rules (including, but not limited to, the specific Participation Requirements listed below) and/or the Social Platform Rules (all as determined by Sponsor in its sole and absolute discretion). The Released Parties (defined below) are not responsible for late, lost, misdirected, delayed, incomplete or incompatible Entries or any other Contest-related information (all of which are void).

VERIFICATION:

All Entries, Entry Materials and entrants are subject to verification at any time and for any reason. The Sponsor reserves the right, in its sole and absolute discretion, to require proof of identity and/or eligibility (in a form acceptable to the Sponsor - including, without limitation, government issued photo identification): (i) for the purposes of verifying an individual’s eligibility to participate in this Contest; (ii) for the purposes of verifying the eligibility and/or legitimacy of any Entry, Entry Materials or any other information submitted (or purportedly submitted) for the purposes of this Contest; and/or (iii) for any other reason the Sponsor deems necessary, in its sole and absolute discretion, for the purposes of administering this Contest in accordance with these Rules. Failure to provide such proof to the complete satisfaction of the Sponsor within the timeline specified by the Sponsor may result in disqualification in the sole and absolute discretion of the Sponsor. The sole determinant of the time for the purposes of this Contest will be the Contest server machine(s).

PARTICIPATION REQUIREMENTS:

BY SUBMITTING AN ENTRY, YOU AGREE THAT THE ENTRY (AND EACH INDIVIDUAL COMPONENT THEREOF – INCLUDING, WITHOUT LIMITATION, THE ENTRY MATERIALS) COMPLIES WITH ALL CONDITIONS STATED IN THESE RULES. THE RELEASED PARTIES (DEFINED BELOW) WILL BEAR NO LIABILITY WHATSOEVER REGARDING: (I) THE USE OF YOUR ENTRY (OR ANY COMPONENT THEREOF - INCLUDING, WITHOUT LIMITATION, THE ENTRY MATERIALS); (II) PARTICIPATION IN ANY CONTEST-RELATED ACTIVITIES; (III) ANY USE, COLLECTION, STORAGE AND DISCLOSURE OF ANY PERSONAL INFORMATION; AND/OR (IV) IF DECLARED A/THE WINNER, A/THE PRIZE (INCLUDING ANY USE OR MISUSE OF A/THE PRIZE). THE RELEASED PARTIES (DEFINED BELOW) SHALL BE HELD HARMLESS BY YOU (AND, IF YOU ARE A MINOR, YOUR PARENT OR LEGAL GUARDIAN) IN THE EVENT IT IS DISCOVERED THAT YOU HAVE DEPARTED FROM OR NOT OTHERWISE FULLY COMPLIED WITH ANY OF THESE RULES AND/OR THE SOCIAL PLATFORM RULES. THIS RELEASE AND INDEMNITY SHALL CONTINUE IN FORCE FOLLOWING THE TERMINATION OF THE CONTEST AND/OR AWARDING OF ANY/THE PRIZE.

By participating in the Contest, you (and, if you are a Minor, your parent or legal guardian) hereby warrant and represent that any Entry Materials you submit:

i. is/are original to you and that you have obtained all necessary rights in and to the Entry Materials for the purposes of entering such Entry Materials in the Contest;

ii. do not violate any law, statute, ordinance or regulation;

iii. do not contain any reference to or likeness of any identifiable third parties, unless consent has been obtained from all such individuals and their parent/legal guardian if they are under the age of majority in their jurisdiction of residence;

iv. will not give rise to any claims whatsoever, including, without limitation, claims of infringement, invasion of privacy or publicity, or infringe on any rights and/or interests of any third party; and

v. is/are not defamatory, trade libelous, pornographic or obscene, and further that it will not contain, depict, include, discuss or involve, without limitation, any of the following: nudity; alcohol/drug consumption or smoking; explicit or graphic sexual activity, or sexual innuendo; crude, vulgar or offensive language and/or symbols; derogatory characterizations of any ethnic, racial, sexual, religious or other groups (including, without limitation, any competitors of Sponsor); that endorses, condones and/or discusses any illegal, inappropriate or risky behaviour or conduct; personal information of individuals, including, without limitation, names, telephone numbers and addresses (physical or electronic); commercial messages, comparisons or solicitations for products or services other than products of Sponsor; any identifiable third party products, trade-marks, brands and/or logos, other than those of Sponsor; conduct or other activities in violation of these Rules; and/or any other materials that are or could be considered inappropriate, unsuitable or offensive, all as determined by the Sponsor in its sole and absolute discretion.

The Sponsor and/or its promotional agency or designated content moderator (the “Reviewer”) reserves the right to screen all Entry Materials. Any Entry Materials that the Reviewer deems, in its sole and absolute discretion, to violate the terms and conditions set forth in these Rules are subject to disqualification. The Reviewer reserves the right, in its sole and absolute discretion at any time and for any reason, to remove any Entry Materials (or any part thereof) and/or to request an entrant to modify, edit and/or re-submit their Entry Materials (or any part thereof) in order to ensure that the Entry Materials comply with these Rules, or for any other reason. If such an action is necessary at any point during or after the Contest, then the Sponsor reserves the right, in its sole discretion, to take whatever action it deems necessary based on the circumstances - including, without limitation, disqualifying the Entry Materials (and therefore the corresponding Entry and/or the associated entrant) - to help ensure that the Contest is being conducted in accordance with the letter and spirit of these Rules.

LICENSE

By entering the Contest and submitting an Entry, you: (i) without limiting the applicable Social Platform Rules, grant to the Sponsor, in perpetuity, a non-exclusive, worldwide license to publish, display, reproduce, modify, edit, make available, communicate to the public by telecommunication and otherwise use your Entry Materials (and each component thereof), in whole or in part, for advertising or promoting the Contest or for any other reason in any type of media; (ii) waive all moral rights in and to your Entry Materials (and each component thereof) in favour of the Sponsor (and anyone authorized by the Sponsor to use such Entry Materials); and (iii) agree to release and hold harmless the Released Parties (defined below) from and against any and all claims, damages, liabilities, costs, and expenses arising from use of their Entry Materials (or any component thereof), including, without limitation, any claim based on publicity rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other intellectual property related or other cause of action whatsoever.

PRIZE

There will be one (1) prize. The Prize consists of:

· One $100 CAD food service delivery gift card.  The gift card is subject to the terms and conditions of the issuer. The gift card must be accepted as awarded and is not transferable, assignable or convertible to cash (except as may be specifically permitted by Sponsor in its sole and absolute discretion).  No substitutions except at Sponsor’s option.  Sponsor reserves the right, in its sole and absolute discretion, to substitute any gift card or a component thereof with a prize of equal or greater retail value, including, without limitation, but at Sponsor’s sole and absolute discretion, a cash award.

PRIZE WINNER SELECTION PROCESS:

On February 19, 2026 (the “Selection Date”) in Toronto, Ontario at 1:00 PM Eastern Time, one (1) eligible entrant will be selected by random draw from among all eligible Entries submitted and received in accordance with these Rules during the Contest Period and such selected entrant will be deemed potential Prize Winner.

The odds of winning depend on the number of eligible Entries submitted and received in accordance with these Rules during the Contest Period.

WINNER NOTIFICATION PROCESS:

The Sponsor or its designated representative will make a minimum of 3 attempts to contact the potential Prize winner (using the information provided at the time of entry) within 2 business days of the Selection Date. If the potential prize winner cannot be contacted within 2 business days of the Selection Date, or if there is a return of any notification as undeliverable; then they may, in the sole and absolute discretion of the Sponsor, be disqualified (and, if disqualified, will forfeit all rights to the applicable Prize) and the Sponsor reserves the right, in its sole and absolute discretion and time permitting, to select an alternate potential Prize winner following the same applicable winner selection procedure described above (with the necessary amendments), in which case the foregoing provisions of this section shall apply to such new potential Prize winner.

WINNER CONFIRMATION PROCESS:

BEFORE BEING DECLARED THE CONFIRMED PRIZE WINNER, the potential Prize winner will be required to: (a) correctly answer a mathematical skill-testing question without mechanical or other aid (which may, in the sole and absolute discretion of the Sponsor, be administered online, by email or other electronic means, by telephone, or in the Sponsor’s form of declaration and release); and (b) sign and return within five (5) business days of notification the Sponsor’s declaration and release form, which (among other things): (i) confirms compliance with these Rules; (ii) acknowledges acceptance of the Prize (as awarded); (iii) releases the Contest Parties, Instagram 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 and/or the awarding and use/misuse of the Prize or any portion thereof; and (iv) agrees to the publication, reproduction and/or other use of the their name, address, voice, statements, about the Contest and/or photograph or other likeness without further notice or compensation, in any publicity or advertisement carried out by or on behalf of the Sponsor in any manner or medium whatsoever, including print, broadcast or the internet. If the potential Prize winner: (a) as applicable, fails to return the properly executed Contest documents within the specified time; (b) cannot accept (or is unwilling to accept) the Prize (as awarded) for any reason; (c) fails to correctly answer the skill-testing question; and/or (d) is determined to be in violation of these Rules (all as determined by the Sponsor in its sole and absolute discretion); then they may, in the sole and absolute discretion of the Sponsor, be disqualified (and, if disqualified, will forfeit all rights to the Prize) and the Sponsor reserves the right, in its sole and absolute discretion and time permitting, to select an alternate potential Prize winner following the same winner selection procedure described above (with the necessary amendments), in which case the foregoing provisions of this section shall apply to such new potential Prize winner. The Sponsor will have final discretion in selecting the winner in the event of a tie or for any other reason.

GENERAL CONDITIONS:

All Entries become the property of the Sponsor. This Contest is subject to all applicable federal, provincial and municipal laws.  The decisions of the Sponsor with respect to all aspects of this Contest are final and binding on all entrants without right of appeal, including, without limitation, any decisions regarding the eligibility/disqualification of Entries and/or entrants.  ANYONE DEEMED BY THE SPONSOR TO BE IN VIOLATION OF THESE RULES FOR ANY REASON IS SUBJECT TO DISQUALIFICATION IN THE SOLE AND ABSOLUTE DISCRETION OF THE SPONSOR AT ANY TIME.

The Released Parties will not be liable for: (i) any failure of any website during the Contest; (ii) any technical malfunction or other problems of any nature whatsoever, including, without limitation, those relating to the telephone network or lines, computer on-line systems, servers, access providers, computer equipment or software; (iii) the failure of any Entry or other information to be received, captured or recorded for any reason whatsoever, including, but not limited to, technical problems or traffic congestion on the internet or at any website; (iv) any injury or damage to an entrant’s or any other person’s computer or other device related to or resulting from participating in the Contest; and/or (v) any combination of the above.

Without limiting the generality of the foregoing, by participating in the Contest, each entrant releases the Released Parties from any and all liability in connection with this Contest and their participation therein.

In the event of a dispute regarding who submitted an Entry, the Sponsor reserves the right, in its sole and absolute discretion, to require any individual who purports to be the entrant that submitted the Entry in question to provide proof to the complete satisfaction of the Sponsor (as determined by the Sponsor in its sole and absolute discretion) of being the entrant that submitted such Entry. Failure to provide such proof to the complete satisfaction of the Sponsor within the timeline specified by the Sponsor may result in disqualification (as determined by the Sponsor in its sole and absolute discretion).

The Sponsor reserves the right, in its sole and absolute discretion, to withdraw, amend or suspend this Contest (or to amend these Rules) in any way, in the event of any cause beyond the reasonable control of the Sponsor that interferes with the proper conduct of this Contest as contemplated by these Rules, including, without limitation, any error, technical problem, computer virus, bugs, tampering, unauthorized intervention, fraud or technical failure.  Any attempt to deliberately damage any website or to undermine the legitimate operation of this Contest in any way (as determined by Sponsor in its sole and absolute discretion) is a violation of criminal and civil laws and should such an attempt be made, the Sponsor reserves the right to seek remedies and damages to the fullest extent permitted by law.  The Sponsor, in its sole and absolute discretion, reserves the right to cancel, amend or suspend this Contest, or to amend these Rules, in any way without prior notice or obligation, in the event of any accident, printing, administrative, or other error of any kind, or for any other reason whatsoever. Without limiting the generality of the forgoing, the Sponsor reserves the right, in its sole and absolute discretion, to administer an alternate test of skill as it deems appropriate based on the circumstances and/or to comply with applicable law.

By entering this Contest, each entrant expressly consents to the Sponsor, its agents and/or representatives, storing, sharing and using the personal information submitted with their Entry only for the purpose of administering the Contest and in accordance with Sponsor’s privacy policy available at: https://www.rbc.com/privacysecurity/ca/global-privacy-notice.html .

This section does not limit any other consent(s) that an individual may provide the Sponsor or others in relation to the collection, use and/or disclosure of their personal information.

The Sponsor reserves the right, in its sole and absolute discretion, to adjust any of the dates, timeframes and/or other Contest mechanics stipulated in these Rules, to the extent necessary, for purposes of verifying compliance by any entrant or Entry with these Rules, or as a result of any technical or other problems, or in light of any other circumstances which, in the opinion of the Sponsor, in its sole and absolute discretion, affect the proper administration of the Contest as contemplated in these Rules, or for any other reason.

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 or website(s), including, but not limited to: an entry form and/or point of sale, television, print or online advertising; the terms and conditions of these Rules shall prevail, govern and control to the fullest extent permitted by law.